FINERACT-2232: Capitalized income - Add Capitalized income to Loan
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Adam Saghy
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@CapitalizedIncomeFeature
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Feature: Capitalized Income
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Scenario: As a user I want to add capitalized income to a progressive loan after disbursement
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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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When 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_CAPITALIZED_INCOME | 1 January 2024 | 1000.0 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "1 January 2024" with "1000" amount and expected disbursement date on "1 January 2024"
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And Admin successfully disburse the loan on "1 January 2024" with "900" EUR transaction amount
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Then Loan status will be "ACTIVE"
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When Admin sets the business date to "2 January 2024"
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And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "2 January 2024" with "100" EUR transaction amount
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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 | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
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| 01 January 2024 | Down Payment | 225.0 | 225.0 | 0.0 | 0.0 | 0.0 | 675.0 | false |
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| 02 January 2024 | Capitalized Income | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 775.0 | false |
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Then Loan Transactions tab has a "CAPITALIZED_INCOME" transaction with date "02 January 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | 100.0 | |
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| LIABILITY | 145024 | Deferred Income | | 100.0 |
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