diff --git a/fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature b/fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature index 6968fe0a3..e69a457e0 100644 --- a/fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature +++ b/fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature @@ -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"