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FINERACT-2260: added e2e tests for incorrect interest handling in case of early repayment

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mdmytriv
2025-04-22 17:21:17 +02:00
committed by Arnold Gálovics
parent 07e64da523
commit e326ed4b8a
1 changed files with 631 additions and 1 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature
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@@ -4570,7 +4570,7 @@ Feature: LoanRepayment
Then Loan has 0 outstanding amount
@TestRailId:C3589
Scenario: Verify early repayment on high interest loan works properly and align the interest properly
Scenario: Verify early repayment on high interest loan works properly and align the interest properly - UC1
When Admin sets the business date to "10 April 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
@@ -4667,6 +4667,636 @@ Feature: LoanRepayment
| 13 April 2025 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.9 | 0.0 | 0.9 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3614
Scenario: Verify early repayment on high interest loan works properly and align the interest properly while increase interest rate - UC2
When Admin sets the business date to "10 April 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| 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 |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 10 April 2025 | 1001 | 17 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "10 April 2025" with "1001" amount and expected disbursement date on "10 April 2025"
When Admin successfully disburse the loan on "10 April 2025" with "1001" EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | | 965.69 | 35.31 | 14.18 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 2 | 31 | 10 June 2025 | | 929.88 | 35.81 | 13.68 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 3 | 30 | 10 July 2025 | | 893.56 | 36.32 | 13.17 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 4 | 31 | 10 August 2025 | | 856.73 | 36.83 | 12.66 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 5 | 31 | 10 September 2025 | | 819.38 | 37.35 | 12.14 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 6 | 30 | 10 October 2025 | | 781.5 | 37.88 | 11.61 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 7 | 31 | 10 November 2025 | | 743.08 | 38.42 | 11.07 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 8 | 30 | 10 December 2025 | | 704.12 | 38.96 | 10.53 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 9 | 31 | 10 January 2026 | | 664.61 | 39.51 | 9.98 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 10 | 31 | 10 February 2026 | | 624.54 | 40.07 | 9.42 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 11 | 28 | 10 March 2026 | | 583.9 | 40.64 | 8.85 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 12 | 31 | 10 April 2026 | | 542.68 | 41.22 | 8.27 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 13 | 30 | 10 May 2026 | | 500.88 | 41.8 | 7.69 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 14 | 31 | 10 June 2026 | | 458.49 | 42.39 | 7.1 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 15 | 30 | 10 July 2026 | | 415.5 | 42.99 | 6.5 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 16 | 31 | 10 August 2026 | | 371.9 | 43.6 | 5.89 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 17 | 31 | 10 September 2026 | | 327.68 | 44.22 | 5.27 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 18 | 30 | 10 October 2026 | | 282.83 | 44.85 | 4.64 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 19 | 31 | 10 November 2026 | | 237.35 | 45.48 | 4.01 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 20 | 30 | 10 December 2026 | | 191.22 | 46.13 | 3.36 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 21 | 31 | 10 January 2027 | | 144.44 | 46.78 | 2.71 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 22 | 31 | 10 February 2027 | | 97.0 | 47.44 | 2.05 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 23 | 28 | 10 March 2027 | | 48.88 | 48.12 | 1.37 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 24 | 31 | 10 April 2027 | | 0.0 | 48.88 | 0.69 | 0.0 | 0.0 | 49.57 | 0.0 | 0.0 | 0.0 | 49.57 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 186.84 | 0.0 | 0.0 | 1187.84 | 0.0 | 0.0 | 0.0 | 1187.84 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
When Admin runs inline COB job for Loan
When Admin sets the business date to "13 April 2025"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "10 April 2025" with 130 EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 10 April 2025 | 951.51 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 | 49.49 | 49.49 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | 10 April 2025 | 902.02 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 | 49.49 | 49.49 | 0.0 | 0.0 |
| 3 | 30 | 10 July 2025 | | 852.53 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 | 31.02 | 31.02 | 0.0 | 18.47 |
| 4 | 31 | 10 August 2025 | | 852.14 | 0.39 | 49.1 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 5 | 31 | 10 September 2025 | | 814.72 | 37.42 | 12.07 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 6 | 30 | 10 October 2025 | | 776.77 | 37.95 | 11.54 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 7 | 31 | 10 November 2025 | | 738.28 | 38.49 | 11.0 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 8 | 30 | 10 December 2025 | | 699.25 | 39.03 | 10.46 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 9 | 31 | 10 January 2026 | | 659.67 | 39.58 | 9.91 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 10 | 31 | 10 February 2026 | | 619.53 | 40.14 | 9.35 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 11 | 28 | 10 March 2026 | | 578.82 | 40.71 | 8.78 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 12 | 31 | 10 April 2026 | | 537.53 | 41.29 | 8.2 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 13 | 30 | 10 May 2026 | | 495.66 | 41.87 | 7.62 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 14 | 31 | 10 June 2026 | | 453.19 | 42.47 | 7.02 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 15 | 30 | 10 July 2026 | | 410.12 | 43.07 | 6.42 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 16 | 31 | 10 August 2026 | | 366.44 | 43.68 | 5.81 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 17 | 31 | 10 September 2026 | | 322.14 | 44.3 | 5.19 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 18 | 30 | 10 October 2026 | | 277.21 | 44.93 | 4.56 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 19 | 31 | 10 November 2026 | | 231.65 | 45.56 | 3.93 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 20 | 30 | 10 December 2026 | | 185.44 | 46.21 | 3.28 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 21 | 31 | 10 January 2027 | | 138.58 | 46.86 | 2.63 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 22 | 31 | 10 February 2027 | | 91.05 | 47.53 | 1.96 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 23 | 28 | 10 March 2027 | | 42.85 | 48.2 | 1.29 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 24 | 31 | 10 April 2027 | | 0.0 | 42.85 | 0.61 | 0.0 | 0.0 | 43.46 | 0.0 | 0.0 | 0.0 | 43.46 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 180.73 | 0.0 | 0.0 | 1181.73 | 130.0 | 130.0 | 0.0 | 1051.73 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 130.0 | 130.0 | 0.0 | 0.0 | 0.0 | 871.0 | false | false |
| 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
# --- Loan reschedule: Interest rate modification effective from next day ---
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 14 April 2025 | 13 April 2025 | | | | | 38 |
When Admin sets the business date to "14 April 2025"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 10 April 2025 | 951.51 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 | 49.49 | 49.49 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | 10 April 2025 | 902.02 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 | 49.49 | 49.49 | 0.0 | 0.0 |
| 3 | 30 | 10 July 2025 | | 842.82 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 31.02 | 31.02 | 0.0 | 28.18 |
| 4 | 31 | 10 August 2025 | | 842.82 | 0.0 | 59.2 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 5 | 31 | 10 September 2025 | | 842.82 | 0.0 | 59.2 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 6 | 30 | 10 October 2025 | | 823.73 | 19.09 | 40.11 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 7 | 31 | 10 November 2025 | | 790.0 | 33.73 | 25.47 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 8 | 30 | 10 December 2025 | | 755.2 | 34.8 | 24.4 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 9 | 31 | 10 January 2026 | | 719.3 | 35.9 | 23.3 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 10 | 31 | 10 February 2026 | | 682.26 | 37.04 | 22.16 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 11 | 28 | 10 March 2026 | | 644.05 | 38.21 | 20.99 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 12 | 31 | 10 April 2026 | | 604.63 | 39.42 | 19.78 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 13 | 30 | 10 May 2026 | | 563.96 | 40.67 | 18.53 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 14 | 31 | 10 June 2026 | | 522.0 | 41.96 | 17.24 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 15 | 30 | 10 July 2026 | | 478.72 | 43.28 | 15.92 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 16 | 31 | 10 August 2026 | | 434.06 | 44.66 | 14.54 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 17 | 31 | 10 September 2026 | | 387.99 | 46.07 | 13.13 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 18 | 30 | 10 October 2026 | | 340.46 | 47.53 | 11.67 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 19 | 31 | 10 November 2026 | | 291.43 | 49.03 | 10.17 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 20 | 30 | 10 December 2026 | | 240.84 | 50.59 | 8.61 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 21 | 31 | 10 January 2027 | | 188.65 | 52.19 | 7.01 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 22 | 31 | 10 February 2027 | | 134.81 | 53.84 | 5.36 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 23 | 28 | 10 March 2027 | | 79.26 | 55.55 | 3.65 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 24 | 31 | 10 April 2027 | | 19.42 | 59.84 | 1.89 | 0.0 | 0.0 | 61.73 | 0.0 | 0.0 | 0.0 | 61.73 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 981.58 | 422.33 | 0.0 | 0.0 | 1403.91 | 130.0 | 130.0 | 0.0 | 1273.91 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 130.0 | 130.0 | 0.0 | 0.0 | 0.0 | 871.0 | false | false |
| 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "14 April 2025" with 170 EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 14 April 2025 | 943.95 | 57.05 | 2.15 | 0.0 | 0.0 | 59.2 | 59.2 | 59.2 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | 14 April 2025 | 884.75 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 59.2 | 59.2 | 0.0 | 0.0 |
| 3 | 30 | 10 July 2025 | 14 April 2025 | 825.55 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 59.2 | 59.2 | 0.0 | 0.0 |
| 4 | 31 | 10 August 2025 | 14 April 2025 | 766.35 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 59.2 | 59.2 | 0.0 | 0.0 |
| 5 | 31 | 10 September 2025 | 14 April 2025 | 707.15 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 59.2 | 59.2 | 0.0 | 0.0 |
| 6 | 30 | 10 October 2025 | | 647.95 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 4.0 | 4.0 | 0.0 | 55.2 |
| 7 | 31 | 10 November 2025 | | 647.95 | 0.0 | 59.2 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 8 | 30 | 10 December 2025 | | 647.95 | 0.0 | 59.2 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 9 | 31 | 10 January 2026 | | 647.95 | 0.0 | 59.2 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 10 | 31 | 10 February 2026 | | 623.88 | 24.07 | 35.13 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 11 | 28 | 10 March 2026 | | 584.44 | 39.44 | 19.76 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 12 | 31 | 10 April 2026 | | 543.75 | 40.69 | 18.51 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 13 | 30 | 10 May 2026 | | 501.77 | 41.98 | 17.22 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 14 | 31 | 10 June 2026 | | 458.46 | 43.31 | 15.89 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 15 | 30 | 10 July 2026 | | 413.78 | 44.68 | 14.52 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 16 | 31 | 10 August 2026 | | 367.68 | 46.1 | 13.1 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 17 | 31 | 10 September 2026 | | 320.12 | 47.56 | 11.64 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 18 | 30 | 10 October 2026 | | 271.06 | 49.06 | 10.14 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 19 | 31 | 10 November 2026 | | 220.44 | 50.62 | 8.58 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 20 | 30 | 10 December 2026 | | 168.22 | 52.22 | 6.98 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 21 | 31 | 10 January 2027 | | 114.35 | 53.87 | 5.33 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 22 | 31 | 10 February 2027 | | 58.77 | 55.58 | 3.62 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 23 | 28 | 10 March 2027 | | 1.43 | 57.34 | 1.86 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 24 | 31 | 10 April 2027 | | 0.0 | 1.43 | 0.05 | 0.0 | 0.0 | 1.48 | 0.0 | 0.0 | 0.0 | 1.48 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 362.08 | 0.0 | 0.0 | 1363.08 | 300.0 | 300.0 | 0.0 | 1063.08 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 130.0 | 130.0 | 0.0 | 0.0 | 0.0 | 871.0 | false | false |
| 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Repayment | 170.0 | 167.85 | 2.15 | 0.0 | 0.0 | 703.15 | false | false |
When Admin sets the business date to "15 April 2025"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 130.0 | 130.0 | 0.0 | 0.0 | 0.0 | 871.0 | false | false |
| 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Repayment | 170.0 | 167.85 | 2.15 | 0.0 | 0.0 | 703.15 | false | false |
| 14 April 2025 | Accrual | 0.92 | 0.0 | 0.92 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3615
Scenario: Verify early repayment on high interest loan works properly and align the interest properly while reduce interest rate with repayment undo - UC3
When Admin sets the business date to "10 April 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| 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 |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 10 April 2025 | 1001 | 36 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "10 April 2025" with "1001" amount and expected disbursement date on "10 April 2025"
When Admin successfully disburse the loan on "10 April 2025" with "1001" EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | | 971.92 | 29.08 | 30.03 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 2 | 31 | 10 June 2025 | | 941.97 | 29.95 | 29.16 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 3 | 30 | 10 July 2025 | | 911.12 | 30.85 | 28.26 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 4 | 31 | 10 August 2025 | | 879.34 | 31.78 | 27.33 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 5 | 31 | 10 September 2025 | | 846.61 | 32.73 | 26.38 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 6 | 30 | 10 October 2025 | | 812.9 | 33.71 | 25.4 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 7 | 31 | 10 November 2025 | | 778.18 | 34.72 | 24.39 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 8 | 30 | 10 December 2025 | | 742.42 | 35.76 | 23.35 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 9 | 31 | 10 January 2026 | | 705.58 | 36.84 | 22.27 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 10 | 31 | 10 February 2026 | | 667.64 | 37.94 | 21.17 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 11 | 28 | 10 March 2026 | | 628.56 | 39.08 | 20.03 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 12 | 31 | 10 April 2026 | | 588.31 | 40.25 | 18.86 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 13 | 30 | 10 May 2026 | | 546.85 | 41.46 | 17.65 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 14 | 31 | 10 June 2026 | | 504.15 | 42.7 | 16.41 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 15 | 30 | 10 July 2026 | | 460.16 | 43.99 | 15.12 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 16 | 31 | 10 August 2026 | | 414.85 | 45.31 | 13.8 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 17 | 31 | 10 September 2026 | | 368.19 | 46.66 | 12.45 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 18 | 30 | 10 October 2026 | | 320.13 | 48.06 | 11.05 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 19 | 31 | 10 November 2026 | | 270.62 | 49.51 | 9.6 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 20 | 30 | 10 December 2026 | | 219.63 | 50.99 | 8.12 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 21 | 31 | 10 January 2027 | | 167.11 | 52.52 | 6.59 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 22 | 31 | 10 February 2027 | | 113.01 | 54.1 | 5.01 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 23 | 28 | 10 March 2027 | | 57.29 | 55.72 | 3.39 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 24 | 31 | 10 April 2027 | | 0.0 | 57.29 | 1.72 | 0.0 | 0.0 | 59.01 | 0.0 | 0.0 | 0.0 | 59.01 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 417.54 | 0.0 | 0.0 | 1418.54 | 0.0 | 0.0 | 0.0 | 1418.54 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
When Admin runs inline COB job for Loan
When Admin sets the business date to "13 April 2025"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "10 April 2025" with 150 EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 10 April 2025 | 941.89 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 | 59.11 | 59.11 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | 10 April 2025 | 882.78 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 | 59.11 | 59.11 | 0.0 | 0.0 |
| 3 | 30 | 10 July 2025 | | 823.67 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 | 31.78 | 31.78 | 0.0 | 27.33 |
| 4 | 31 | 10 August 2025 | | 823.67 | 0.0 | 59.11 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 5 | 31 | 10 September 2025 | | 823.67 | 0.0 | 59.11 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 6 | 30 | 10 October 2025 | | 797.06 | 26.61 | 32.5 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 7 | 31 | 10 November 2025 | | 761.86 | 35.2 | 23.91 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 8 | 30 | 10 December 2025 | | 725.61 | 36.25 | 22.86 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 9 | 31 | 10 January 2026 | | 688.27 | 37.34 | 21.77 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 10 | 31 | 10 February 2026 | | 649.81 | 38.46 | 20.65 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 11 | 28 | 10 March 2026 | | 610.19 | 39.62 | 19.49 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 12 | 31 | 10 April 2026 | | 569.39 | 40.8 | 18.31 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 13 | 30 | 10 May 2026 | | 527.36 | 42.03 | 17.08 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 14 | 31 | 10 June 2026 | | 484.07 | 43.29 | 15.82 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 15 | 30 | 10 July 2026 | | 439.48 | 44.59 | 14.52 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 16 | 31 | 10 August 2026 | | 393.55 | 45.93 | 13.18 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 17 | 31 | 10 September 2026 | | 346.25 | 47.3 | 11.81 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 18 | 30 | 10 October 2026 | | 297.53 | 48.72 | 10.39 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 19 | 31 | 10 November 2026 | | 247.35 | 50.18 | 8.93 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 20 | 30 | 10 December 2026 | | 195.66 | 51.69 | 7.42 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 21 | 31 | 10 January 2027 | | 142.42 | 53.24 | 5.87 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 22 | 31 | 10 February 2027 | | 87.58 | 54.84 | 4.27 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 23 | 28 | 10 March 2027 | | 31.1 | 56.48 | 2.63 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 24 | 31 | 10 April 2027 | | 0.0 | 31.1 | 0.93 | 0.0 | 0.0 | 32.03 | 0.0 | 0.0 | 0.0 | 32.03 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 390.56 | 0.0 | 0.0 | 1391.56 | 150.0 | 150.0 | 0.0 | 1241.56 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 851.0 | false | false |
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
When Customer undo "1"th "Repayment" transaction made on "10 April 2025"
# --- Loan reschedule: Interest rate modification effective from next day ---
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 14 April 2025 | 13 April 2025 | | | | | 12 |
When Admin sets the business date to "14 April 2025"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | | 965.8 | 35.2 | 12.01 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 2 | 31 | 10 June 2025 | | 928.25 | 37.55 | 9.66 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 3 | 30 | 10 July 2025 | | 890.32 | 37.93 | 9.28 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 4 | 31 | 10 August 2025 | | 852.01 | 38.31 | 8.9 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 5 | 31 | 10 September 2025 | | 813.32 | 38.69 | 8.52 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 6 | 30 | 10 October 2025 | | 774.24 | 39.08 | 8.13 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 7 | 31 | 10 November 2025 | | 734.77 | 39.47 | 7.74 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 8 | 30 | 10 December 2025 | | 694.91 | 39.86 | 7.35 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 9 | 31 | 10 January 2026 | | 654.65 | 40.26 | 6.95 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 10 | 31 | 10 February 2026 | | 613.99 | 40.66 | 6.55 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 11 | 28 | 10 March 2026 | | 572.92 | 41.07 | 6.14 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 12 | 31 | 10 April 2026 | | 531.44 | 41.48 | 5.73 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 13 | 30 | 10 May 2026 | | 489.54 | 41.9 | 5.31 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 14 | 31 | 10 June 2026 | | 447.23 | 42.31 | 4.9 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 15 | 30 | 10 July 2026 | | 404.49 | 42.74 | 4.47 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 16 | 31 | 10 August 2026 | | 361.32 | 43.17 | 4.04 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 17 | 31 | 10 September 2026 | | 317.72 | 43.6 | 3.61 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 18 | 30 | 10 October 2026 | | 273.69 | 44.03 | 3.18 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 19 | 31 | 10 November 2026 | | 229.22 | 44.47 | 2.74 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 20 | 30 | 10 December 2026 | | 184.3 | 44.92 | 2.29 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 21 | 31 | 10 January 2027 | | 138.93 | 45.37 | 1.84 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 22 | 31 | 10 February 2027 | | 93.11 | 45.82 | 1.39 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 23 | 28 | 10 March 2027 | | 46.83 | 46.28 | 0.93 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 24 | 31 | 10 April 2027 | | 0.0 | 46.83 | 0.47 | 0.0 | 0.0 | 47.3 | 0.0 | 0.0 | 0.0 | 47.3 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 132.13 | 0.0 | 0.0 | 1133.13 | 0.0 | 0.0 | 0.0 | 1133.13 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 851.0 | true | false |
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "14 April 2025" with 120 EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 14 April 2025 | 957.13 | 43.87 | 3.34 | 0.0 | 0.0 | 47.21 | 47.21 | 47.21 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | 14 April 2025 | 909.92 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 | 47.21 | 47.21 | 0.0 | 0.0 |
| 3 | 30 | 10 July 2025 | | 862.71 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 | 25.58 | 25.58 | 0.0 | 21.63 |
| 4 | 31 | 10 August 2025 | | 849.47 | 13.24 | 33.97 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 5 | 31 | 10 September 2025 | | 810.75 | 38.72 | 8.49 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 6 | 30 | 10 October 2025 | | 771.65 | 39.1 | 8.11 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 7 | 31 | 10 November 2025 | | 732.16 | 39.49 | 7.72 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 8 | 30 | 10 December 2025 | | 692.27 | 39.89 | 7.32 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 9 | 31 | 10 January 2026 | | 651.98 | 40.29 | 6.92 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 10 | 31 | 10 February 2026 | | 611.29 | 40.69 | 6.52 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 11 | 28 | 10 March 2026 | | 570.19 | 41.1 | 6.11 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 12 | 31 | 10 April 2026 | | 528.68 | 41.51 | 5.7 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 13 | 30 | 10 May 2026 | | 486.76 | 41.92 | 5.29 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 14 | 31 | 10 June 2026 | | 444.42 | 42.34 | 4.87 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 15 | 30 | 10 July 2026 | | 401.65 | 42.77 | 4.44 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 16 | 31 | 10 August 2026 | | 358.46 | 43.19 | 4.02 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 17 | 31 | 10 September 2026 | | 314.83 | 43.63 | 3.58 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 18 | 30 | 10 October 2026 | | 270.77 | 44.06 | 3.15 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 19 | 31 | 10 November 2026 | | 226.27 | 44.5 | 2.71 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 20 | 30 | 10 December 2026 | | 181.32 | 44.95 | 2.26 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 21 | 31 | 10 January 2027 | | 135.92 | 45.4 | 1.81 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 22 | 31 | 10 February 2027 | | 90.07 | 45.85 | 1.36 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 23 | 28 | 10 March 2027 | | 43.76 | 46.31 | 0.9 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 24 | 31 | 10 April 2027 | | 0.0 | 43.76 | 0.44 | 0.0 | 0.0 | 44.2 | 0.0 | 0.0 | 0.0 | 44.2 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 129.03 | 0.0 | 0.0 | 1130.03 | 120.0 | 120.0 | 0.0 | 1010.03 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 851.0 | true | false |
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Repayment | 120.0 | 116.66 | 3.34 | 0.0 | 0.0 | 884.34 | false | false |
When Admin sets the business date to "15 April 2025"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 851.0 | true | false |
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Repayment | 120.0 | 116.66 | 3.34 | 0.0 | 0.0 | 884.34 | false | false |
| 14 April 2025 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3616
Scenario: Verify early repayment on high interest loan works properly and align the interest properly with charge trans and charge-off transactions - UC4
When Admin sets the business date to "10 April 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| 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 |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 10 April 2025 | 1001 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "10 April 2025" with "1001" amount and expected disbursement date on "10 April 2025"
When Admin successfully disburse the loan on "10 April 2025" with "1001" EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | | 971.0 | 30.0 | 27.53 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 2 | 31 | 10 June 2025 | | 940.17 | 30.83 | 26.7 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 3 | 30 | 10 July 2025 | | 908.49 | 31.68 | 25.85 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 4 | 31 | 10 August 2025 | | 875.94 | 32.55 | 24.98 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 5 | 31 | 10 September 2025 | | 842.5 | 33.44 | 24.09 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 6 | 30 | 10 October 2025 | | 808.14 | 34.36 | 23.17 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 7 | 31 | 10 November 2025 | | 772.83 | 35.31 | 22.22 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 8 | 30 | 10 December 2025 | | 736.55 | 36.28 | 21.25 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 9 | 31 | 10 January 2026 | | 699.28 | 37.27 | 20.26 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 10 | 31 | 10 February 2026 | | 660.98 | 38.3 | 19.23 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 11 | 28 | 10 March 2026 | | 621.63 | 39.35 | 18.18 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 12 | 31 | 10 April 2026 | | 581.19 | 40.44 | 17.09 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 13 | 30 | 10 May 2026 | | 539.64 | 41.55 | 15.98 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 14 | 31 | 10 June 2026 | | 496.95 | 42.69 | 14.84 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 15 | 30 | 10 July 2026 | | 453.09 | 43.86 | 13.67 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 16 | 31 | 10 August 2026 | | 408.02 | 45.07 | 12.46 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 17 | 31 | 10 September 2026 | | 361.71 | 46.31 | 11.22 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 18 | 30 | 10 October 2026 | | 314.13 | 47.58 | 9.95 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 19 | 31 | 10 November 2026 | | 265.24 | 48.89 | 8.64 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 20 | 30 | 10 December 2026 | | 215.0 | 50.24 | 7.29 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 21 | 31 | 10 January 2027 | | 163.38 | 51.62 | 5.91 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 22 | 31 | 10 February 2027 | | 110.34 | 53.04 | 4.49 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 23 | 28 | 10 March 2027 | | 55.84 | 54.5 | 3.03 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 24 | 31 | 10 April 2027 | | 0.0 | 55.84 | 1.54 | 0.0 | 0.0 | 57.38 | 0.0 | 0.0 | 0.0 | 57.38 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 379.57 | 0.0 | 0.0 | 1380.57 | 0.0 | 0.0 | 0.0 | 1380.57 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
When Admin runs inline COB job for Loan
When Admin sets the business date to "13 April 2025"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 0.92 | 0.0 | 0.92 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.92 | 0.0 | 0.92 | 0.0 | 0.0 | 0.0 | false | false |
And Admin adds "LOAN_NSF_FEE" due date charge with "13 April 2025" due date and 115 EUR transaction amount
And Admin waives due date charge
And Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 13 April 2025 | Flat | 115.0 | 0.0 | 115.0 | 0.0 |
And Admin does charge-off the loan on "13 April 2025"
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | | 971.0 | 30.0 | 27.53 | 0.0 | 115.0 | 172.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 2 | 31 | 10 June 2025 | | 940.17 | 30.83 | 26.7 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 3 | 30 | 10 July 2025 | | 908.49 | 31.68 | 25.85 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 4 | 31 | 10 August 2025 | | 875.94 | 32.55 | 24.98 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 5 | 31 | 10 September 2025 | | 842.5 | 33.44 | 24.09 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 6 | 30 | 10 October 2025 | | 808.14 | 34.36 | 23.17 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 7 | 31 | 10 November 2025 | | 772.83 | 35.31 | 22.22 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 8 | 30 | 10 December 2025 | | 736.55 | 36.28 | 21.25 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 9 | 31 | 10 January 2026 | | 699.28 | 37.27 | 20.26 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 10 | 31 | 10 February 2026 | | 660.98 | 38.3 | 19.23 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 11 | 28 | 10 March 2026 | | 621.63 | 39.35 | 18.18 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 12 | 31 | 10 April 2026 | | 581.19 | 40.44 | 17.09 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 13 | 30 | 10 May 2026 | | 539.64 | 41.55 | 15.98 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 14 | 31 | 10 June 2026 | | 496.95 | 42.69 | 14.84 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 15 | 30 | 10 July 2026 | | 453.09 | 43.86 | 13.67 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 16 | 31 | 10 August 2026 | | 408.02 | 45.07 | 12.46 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 17 | 31 | 10 September 2026 | | 361.71 | 46.31 | 11.22 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 18 | 30 | 10 October 2026 | | 314.13 | 47.58 | 9.95 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 19 | 31 | 10 November 2026 | | 265.24 | 48.89 | 8.64 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 20 | 30 | 10 December 2026 | | 215.0 | 50.24 | 7.29 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 21 | 31 | 10 January 2027 | | 163.38 | 51.62 | 5.91 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 22 | 31 | 10 February 2027 | | 110.34 | 53.04 | 4.49 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 23 | 28 | 10 March 2027 | | 55.84 | 54.5 | 3.03 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 24 | 31 | 10 April 2027 | | 0.0 | 55.84 | 1.54 | 0.0 | 0.0 | 57.38 | 0.0 | 0.0 | 0.0 | 57.38 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 379.57 | 0.0 | 115.0 | 1495.57 | 0.0 | 0.0 | 0.0 | 1380.57 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 0.92 | 0.0 | 0.92 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.92 | 0.0 | 0.92 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Waive loan charges | 115.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 13 April 2025 | Accrual | 0.91 | 0.0 | 0.91 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Charge-off | 1380.57 | 1001.0 | 379.57 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "14 April 2025"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "12 April 2025" with 250 EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 12 April 2025 | 945.31 | 55.69 | 1.84 | 0.0 | 115.0 | 172.53 | 57.53 | 57.53 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | 12 April 2025 | 887.78 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 | 57.53 | 57.53 | 0.0 | 0.0 |
| 3 | 30 | 10 July 2025 | 12 April 2025 | 830.25 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 | 57.53 | 57.53 | 0.0 | 0.0 |
| 4 | 31 | 10 August 2025 | 12 April 2025 | 772.72 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 | 57.53 | 57.53 | 0.0 | 0.0 |
| 5 | 31 | 10 September 2025 | | 715.19 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 | 19.88 | 19.88 | 0.0 | 37.65 |
| 6 | 30 | 10 October 2025 | | 715.19 | 0.0 | 57.53 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 7 | 31 | 10 November 2025 | | 715.19 | 0.0 | 57.53 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 8 | 30 | 10 December 2025 | | 703.73 | 11.46 | 46.07 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 9 | 31 | 10 January 2026 | | 665.55 | 38.18 | 19.35 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 10 | 31 | 10 February 2026 | | 626.32 | 39.23 | 18.3 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 11 | 28 | 10 March 2026 | | 586.01 | 40.31 | 17.22 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 12 | 31 | 10 April 2026 | | 544.6 | 41.41 | 16.12 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 13 | 30 | 10 May 2026 | | 502.05 | 42.55 | 14.98 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 14 | 31 | 10 June 2026 | | 458.33 | 43.72 | 13.81 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 15 | 30 | 10 July 2026 | | 413.4 | 44.93 | 12.6 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 16 | 31 | 10 August 2026 | | 367.24 | 46.16 | 11.37 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 17 | 31 | 10 September 2026 | | 319.81 | 47.43 | 10.1 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 18 | 30 | 10 October 2026 | | 271.07 | 48.74 | 8.79 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 19 | 31 | 10 November 2026 | | 220.99 | 50.08 | 7.45 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 20 | 30 | 10 December 2026 | | 169.54 | 51.45 | 6.08 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 21 | 31 | 10 January 2027 | | 116.67 | 52.87 | 4.66 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 22 | 31 | 10 February 2027 | | 62.35 | 54.32 | 3.21 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 23 | 28 | 10 March 2027 | | 6.53 | 55.82 | 1.71 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 24 | 31 | 10 April 2027 | | 0.0 | 6.53 | 0.18 | 0.0 | 0.0 | 6.71 | 0.0 | 0.0 | 0.0 | 6.71 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 328.9 | 0.0 | 115.0 | 1444.9 | 250.0 | 250.0 | 0.0 | 1079.9 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 0.92 | 0.0 | 0.92 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.92 | 0.0 | 0.92 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Repayment | 250.0 | 248.16 | 1.84 | 0.0 | 0.0 | 752.84 | false | false |
| 13 April 2025 | Waive loan charges | 115.0 | 0.0 | 0.0 | 0.0 | 0.0 | 752.84 | false | false |
| 13 April 2025 | Accrual | 0.91 | 0.0 | 0.91 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual Adjustment | 0.22 | 0.0 | 0.22 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Charge-off | 1079.9 | 752.84 | 327.06 | 0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3617
Scenario: Verify early repayment on high interest loan works properly and align the interest properly with MIR and no interest recalculation - UC5
When Admin sets the business date to "10 April 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| 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 |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_ACTUAL | 10 April 2025 | 1001 | 40 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "10 April 2025" with "1001" amount and expected disbursement date on "10 April 2025"
When Admin successfully disburse the loan on "10 April 2025" with "1001" EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | | 972.79 | 28.21 | 33.37 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 2 | 31 | 10 June 2025 | | 944.72 | 28.07 | 33.51 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 3 | 30 | 10 July 2025 | | 914.63 | 30.09 | 31.49 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 4 | 31 | 10 August 2025 | | 884.55 | 30.08 | 31.5 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 5 | 31 | 10 September 2025 | | 853.44 | 31.11 | 30.47 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 6 | 30 | 10 October 2025 | | 820.31 | 33.13 | 28.45 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 7 | 31 | 10 November 2025 | | 786.99 | 33.32 | 28.26 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 8 | 30 | 10 December 2025 | | 751.64 | 35.35 | 26.23 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 9 | 31 | 10 January 2026 | | 715.95 | 35.69 | 25.89 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 10 | 31 | 10 February 2026 | | 679.03 | 36.92 | 24.66 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 11 | 28 | 10 March 2026 | | 638.58 | 40.45 | 21.13 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 12 | 31 | 10 April 2026 | | 599.0 | 39.58 | 22.0 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 13 | 30 | 10 May 2026 | | 557.39 | 41.61 | 19.97 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 14 | 31 | 10 June 2026 | | 515.01 | 42.38 | 19.2 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 15 | 30 | 10 July 2026 | | 470.6 | 44.41 | 17.17 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 16 | 31 | 10 August 2026 | | 425.23 | 45.37 | 16.21 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 17 | 31 | 10 September 2026 | | 378.3 | 46.93 | 14.65 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 18 | 30 | 10 October 2026 | | 329.33 | 48.97 | 12.61 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 19 | 31 | 10 November 2026 | | 279.09 | 50.24 | 11.34 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 20 | 30 | 10 December 2026 | | 226.81 | 52.28 | 9.3 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 21 | 31 | 10 January 2027 | | 173.04 | 53.77 | 7.81 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 22 | 31 | 10 February 2027 | | 117.42 | 55.62 | 5.96 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 23 | 28 | 10 March 2027 | | 59.49 | 57.93 | 3.65 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 24 | 31 | 10 April 2027 | | 0.0 | 59.49 | 2.05 | 0.0 | 0.0 | 61.54 | 0.0 | 0.0 | 0.0 | 61.54 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 476.88 | 0.0 | 0.0 | 1477.88 | 0.0 | 0.0 | 0.0 | 1477.88 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
When Admin runs inline COB job for Loan
When Admin sets the business date to "13 April 2025"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 1.11 | 0.0 | 1.11 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.11 | 0.0 | 1.11 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "13 April 2025" with 300 EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 13 April 2025 | 972.79 | 28.21 | 33.37 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | 13 April 2025 | 944.72 | 28.07 | 33.51 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 | 0.0 | 0.0 |
| 3 | 30 | 10 July 2025 | 13 April 2025 | 914.63 | 30.09 | 31.49 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 | 0.0 | 0.0 |
| 4 | 31 | 10 August 2025 | 13 April 2025 | 884.55 | 30.08 | 31.5 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 | 0.0 | 0.0 |
| 5 | 31 | 10 September 2025 | | 853.44 | 31.11 | 30.47 | 0.0 | 0.0 | 61.58 | 53.68 | 53.68 | 0.0 | 7.9 |
| 6 | 30 | 10 October 2025 | | 820.31 | 33.13 | 28.45 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 7 | 31 | 10 November 2025 | | 786.99 | 33.32 | 28.26 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 8 | 30 | 10 December 2025 | | 751.64 | 35.35 | 26.23 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 9 | 31 | 10 January 2026 | | 715.95 | 35.69 | 25.89 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 10 | 31 | 10 February 2026 | | 679.03 | 36.92 | 24.66 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 11 | 28 | 10 March 2026 | | 638.58 | 40.45 | 21.13 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 12 | 31 | 10 April 2026 | | 599.0 | 39.58 | 22.0 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 13 | 30 | 10 May 2026 | | 557.39 | 41.61 | 19.97 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 14 | 31 | 10 June 2026 | | 515.01 | 42.38 | 19.2 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 15 | 30 | 10 July 2026 | | 470.6 | 44.41 | 17.17 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 16 | 31 | 10 August 2026 | | 425.23 | 45.37 | 16.21 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 17 | 31 | 10 September 2026 | | 378.3 | 46.93 | 14.65 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 18 | 30 | 10 October 2026 | | 329.33 | 48.97 | 12.61 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 19 | 31 | 10 November 2026 | | 279.09 | 50.24 | 11.34 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 20 | 30 | 10 December 2026 | | 226.81 | 52.28 | 9.3 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 21 | 31 | 10 January 2027 | | 173.04 | 53.77 | 7.81 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 22 | 31 | 10 February 2027 | | 117.42 | 55.62 | 5.96 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 23 | 28 | 10 March 2027 | | 59.49 | 57.93 | 3.65 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 24 | 31 | 10 April 2027 | | 0.0 | 59.49 | 2.05 | 0.0 | 0.0 | 61.54 | 0.0 | 0.0 | 0.0 | 61.54 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 476.88 | 0.0 | 0.0 | 1477.88 | 300.0 | 300.0 | 0.0 | 1177.88 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 1.11 | 0.0 | 1.11 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.11 | 0.0 | 1.11 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Repayment | 300.0 | 147.56 | 152.44 | 0.0 | 0.0 | 853.44 | false | false |
When Admin sets the business date to "14 April 2025"
When Admin runs inline COB job for Loan
When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "14 April 2025" with 100 EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 13 April 2025 | 972.79 | 28.21 | 33.37 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | 13 April 2025 | 944.72 | 28.07 | 33.51 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 | 0.0 | 0.0 |
| 3 | 30 | 10 July 2025 | 13 April 2025 | 914.63 | 30.09 | 31.49 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 | 0.0 | 0.0 |
| 4 | 31 | 10 August 2025 | 13 April 2025 | 884.55 | 30.08 | 31.5 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 | 0.0 | 0.0 |
| 5 | 31 | 10 September 2025 | | 853.44 | 31.11 | 30.47 | 0.0 | 0.0 | 61.58 | 53.93 | 53.93 | 0.0 | 7.65 |
| 6 | 30 | 10 October 2025 | | 820.31 | 33.13 | 28.45 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 7 | 31 | 10 November 2025 | | 786.99 | 33.32 | 28.26 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 8 | 30 | 10 December 2025 | | 751.64 | 35.35 | 26.23 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 9 | 31 | 10 January 2026 | | 715.95 | 35.69 | 25.89 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 10 | 31 | 10 February 2026 | | 679.03 | 36.92 | 24.66 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 11 | 28 | 10 March 2026 | | 638.58 | 40.45 | 21.13 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 12 | 31 | 10 April 2026 | | 599.0 | 39.58 | 22.0 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 13 | 30 | 10 May 2026 | | 557.39 | 41.61 | 19.97 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 14 | 31 | 10 June 2026 | | 515.01 | 42.38 | 19.2 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 15 | 30 | 10 July 2026 | | 470.6 | 44.41 | 17.17 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 16 | 31 | 10 August 2026 | | 425.23 | 45.37 | 16.21 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 17 | 31 | 10 September 2026 | | 378.3 | 46.93 | 14.65 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 18 | 30 | 10 October 2026 | | 329.33 | 48.97 | 12.61 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 19 | 31 | 10 November 2026 | | 279.09 | 50.24 | 11.34 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 20 | 30 | 10 December 2026 | | 226.81 | 52.28 | 9.3 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 21 | 31 | 10 January 2027 | | 173.04 | 53.77 | 7.81 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 22 | 31 | 10 February 2027 | | 117.42 | 55.62 | 5.96 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 23 | 28 | 10 March 2027 | | 59.49 | 57.93 | 3.65 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 24 | 31 | 10 April 2027 | | 0.0 | 59.49 | 2.05 | 0.0 | 0.0 | 61.54 | 5.25 | 5.25 | 0.0 | 56.29 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 476.88 | 0.0 | 0.0 | 1477.88 | 400.0 | 400.0 | 0.0 | 1077.88 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 1.11 | 0.0 | 1.11 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.11 | 0.0 | 1.11 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Repayment | 300.0 | 147.56 | 152.44 | 0.0 | 0.0 | 853.44 | false | false |
| 13 April 2025 | Accrual | 1.12 | 0.0 | 1.12 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Merchant Issued Refund | 100.0 | 95.0 | 5.0 | 0.0 | 0.0 | 758.44 | false | false |
@TestRailId:C3590
Scenario: Verify no accrual activity created for approved interest bearing loan
When Admin sets the business date to "03 June 2025"