FINERACT-2311: Added e2e tests for validation of backend part of buy down fees
This commit is contained in:
Rustam Zeinalov
committed by
Adam Saghy
Adam Saghy
parent
1b1d6be956
commit
dc3ead4f80
@@ -0,0 +1,100 @@
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@BuyDownFeeFeature
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Feature:Feature: Buy Down Fees
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#TODO Waiting for the implementation of the feature PS-2569
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@Skip
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@TestRailId:C3770
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Scenario: Simple loan with Buy Down fees and full payment - UC1
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When Admin sets the business date to "1 January 2024"
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And Admin creates a client with random data
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And Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 1 January 2024 | 100 | 7 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
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And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
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Then Loan status will be "ACTIVE"
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When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
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Then Loan Repayment schedule has 3 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
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| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
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| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.20 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
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And Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
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And Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
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| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
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| 01 January 2024 | Buy Down fees | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
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And Loan Transactions tab has a "BUY_DOWN_FEES" transaction with date "01 January 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| EXPENSE | 51001 | BuyDown Expense | 50.0 | |
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| LIABILITY | 22001 | Deferred Income | | 50.0 |
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When Admin sets the business date to "1 February 2024"
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And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
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Then Loan status will be "ACTIVE"
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
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| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
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| 01 January 2024 | Buy Down fees | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
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| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
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When Admin sets the business date to "1 March 2024"
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And Customer makes "AUTOPAY" repayment on "01 March 2024" with 33.72 EUR transaction amount
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When Admin sets the business date to "1 April 2024"
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And Customer makes "AUTOPAY" repayment on "01 April 2024" with 33.72 EUR transaction amount
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Then Loan status will be "CLOSED_OBLIGATIONS_MET"
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And Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
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| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
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| 01 January 2024 | Buy Down fees | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
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| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
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| 01 March 2024 | Repayment | 33.72 | 33.33 | 0.39 | 0.0 | 0.0 | 33.53 | false |
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| 01 April 2024 | Repayment | 33.73 | 33.53 | 0.20 | 0.0 | 0.0 | 0.0 | false |
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#TODO Waiting for the implementation of the feature PS-2569
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#TODO test should be extended with checks for repayment schedule and transactions list after implementation of PS-2572
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@Skip
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@TestRailId:C3771
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Scenario: Loan with Buy Down fees and early payoff - UC2
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When Admin sets the business date to "1 January 2024"
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And Admin creates a client with random data
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And Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 1 January 2024 | 100 | 7 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
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And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
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Then Loan status will be "ACTIVE"
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When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
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When Admin sets the business date to "15 January 2024"
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And Customer makes "AUTOPAY" repayment on "15 January 2024" with 100.58 EUR transaction amount
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Then Loan status will be "CLOSED_OBLIGATIONS_MET"
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And Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
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| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
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| 01 January 2024 | Buy Down fees | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
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| 15 January 2024 | Repayment | 100.58 | 100.0 | 0.58 | 0.0 | 0.0 | 0.0 | false |
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#TODO Waiting for the implementation of the feature PS-2569
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#TODO test should be extended with checks for repayment schedule and transactions list after implementation of PS-2572
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@Skip
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@TestRailId:C3772
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Scenario: Loan with Buy Down fees and charge-off - UC3
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When Admin sets the business date to "1 January 2024"
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And Admin creates a client with random data
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And Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP_PROGRESSIVE_BUYDOWN_FEES_ENABLED | 1 January 2024 | 100 | 7 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
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And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
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Then Loan status will be "ACTIVE"
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When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
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When Admin sets the business date to "1 May 2024"
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And Admin does charge-off the loan on "1 May 2024"
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Then Loan status will be "ACTIVE"
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And Loan marked as charged-off on "1 May 2024"
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And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 May 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| EXPENSE | 61002 | Credit Loss-Bad Debt | 101.17 | |
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| ASSET | 12002 | Loans Receivable | | 100.0 |
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| ASSET | 12003 | Interest Receivable | | 1.17 |
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