FINERACT-1958-Overlapping-installment-payment-allocation
This commit is contained in:
Ruchi Dhamankar
committed by
Adam Saghy
Adam Saghy
parent
001ad2fa1f
commit
e7013309ca
+697
@@ -0,0 +1,697 @@
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/**
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* Licensed to the Apache Software Foundation (ASF) under one
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* or more contributor license agreements. See the NOTICE file
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* distributed with this work for additional information
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* regarding copyright ownership. The ASF licenses this file
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* to you under the Apache License, Version 2.0 (the
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* "License"); you may not use this file except in compliance
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* with the License. You may obtain a copy of the License at
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*
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* http://www.apache.org/licenses/LICENSE-2.0
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*
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* Unless required by applicable law or agreed to in writing,
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* software distributed under the License is distributed on an
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* "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
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* KIND, either express or implied. See the License for the
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* specific language governing permissions and limitations
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* under the License.
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*/
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package org.apache.fineract.integrationtests;
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import static org.junit.jupiter.api.Assertions.assertEquals;
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import static org.junit.jupiter.api.Assertions.assertNotNull;
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import static org.junit.jupiter.api.Assertions.assertTrue;
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import io.restassured.builder.RequestSpecBuilder;
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import io.restassured.builder.ResponseSpecBuilder;
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import io.restassured.http.ContentType;
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import io.restassured.specification.RequestSpecification;
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import io.restassured.specification.ResponseSpecification;
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import java.math.BigDecimal;
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import java.time.LocalDate;
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import java.time.format.DateTimeFormatter;
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import java.time.format.DateTimeFormatterBuilder;
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import java.util.ArrayList;
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import java.util.HashMap;
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import java.util.UUID;
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import org.apache.fineract.client.models.GetLoanProductsProductIdResponse;
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import org.apache.fineract.client.models.GetLoansLoanIdResponse;
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import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest;
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import org.apache.fineract.client.models.PostLoansLoanIdTransactionsResponse;
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import org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType;
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import org.apache.fineract.integrationtests.common.BusinessDateHelper;
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import org.apache.fineract.integrationtests.common.ClientHelper;
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import org.apache.fineract.integrationtests.common.GlobalConfigurationHelper;
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import org.apache.fineract.integrationtests.common.Utils;
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import org.apache.fineract.integrationtests.common.charges.ChargesHelper;
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import org.apache.fineract.integrationtests.common.loans.LoanApplicationTestBuilder;
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import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder;
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import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension;
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import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper;
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import org.junit.jupiter.api.BeforeEach;
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import org.junit.jupiter.api.Test;
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import org.junit.jupiter.api.extension.ExtendWith;
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@ExtendWith(LoanTestLifecycleExtension.class)
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public class LoanAccountPaymentAllocationWithOverlappingDownPaymentInstallmentTest {
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private ResponseSpecification responseSpec;
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private RequestSpecification requestSpec;
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private LoanTransactionHelper loanTransactionHelper;
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private ClientHelper clientHelper;
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private static final DateTimeFormatter DATE_FORMATTER = new DateTimeFormatterBuilder().appendPattern("dd MMMM yyyy").toFormatter();
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@BeforeEach
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public void setup() {
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Utils.initializeRESTAssured();
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this.requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build();
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this.requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey());
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this.responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build();
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this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec);
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this.clientHelper = new ClientHelper(this.requestSpec, this.responseSpec);
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}
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@Test
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public void loanAccountWithEnableDownPaymentAndEnableAutoRepaymentForDownPaymentWithOverlappingInstallmentPaymentAllocationTest() {
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try {
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// Test with
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// Enable Down Payment
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// Enable Auto Repayment For Down Payment
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// Payment Strategy DEFAULT payment allocation strategy "Penalties, Fees, Interest, Principal order"
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// Overlapping down payment and regular installment
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// Set business date
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LocalDate disbursementDate = LocalDate.of(2023, 03, 3);
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GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
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BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate);
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// Loan ExternalId
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String loanExternalIdStr = UUID.randomUUID().toString();
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// down-payment configuration
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Boolean enableDownPayment = true;
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BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25);
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Boolean enableAutoRepaymentForDownPayment = true;
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final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
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// Loan Product creation with down-payment configuration
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final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithEnableDownPaymentAndMultipleDisbursements(
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loanTransactionHelper, enableDownPayment, "25", enableAutoRepaymentForDownPayment);
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assertNotNull(getLoanProductsProductResponse);
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assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
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assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
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.compareTo(disbursedAmountPercentageForDownPayment));
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assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());
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// create loan account with DEFAULT payment allocation strategy "Penalties, Fees, Interest, Principal order"
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final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(),
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loanExternalIdStr, LoanProductTestBuilder.DEFAULT_STRATEGY);
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// add charge PENALTY with due date as overlapping installment due date
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Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec,
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ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", true));
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LocalDate targetDate = LocalDate.of(2023, 4, 3);
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final String penaltyCharge1AddedDate = DATE_FORMATTER.format(targetDate);
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Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId,
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LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10"));
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assertNotNull(penalty1LoanChargeId);
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// add charge FEE with due date as overlapping installment due date
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Integer fee = ChargesHelper.createCharges(requestSpec, responseSpec,
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ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", false));
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targetDate = LocalDate.of(2023, 4, 3);
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final String feeCharge1AddedDate = DATE_FORMATTER.format(targetDate);
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Integer feeLoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId,
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LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(fee), feeCharge1AddedDate, "5.15"));
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assertNotNull(feeLoanChargeId);
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// Retrieve Loan with loanId
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GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
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// verify down-payment details for Loan
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assertNotNull(loanDetails);
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assertEquals(enableDownPayment, loanDetails.getEnableDownPayment());
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assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment));
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assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());
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// first disbursement
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loanTransactionHelper.disburseLoanWithTransactionAmount("03 March 2023", loanId, "500");
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// verify down-payment transaction created
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checkDownPaymentTransaction(disbursementDate, 125.0f, 0.0f, 0.0f, 0.0f, loanId);
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// verify loan schedule
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loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
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assertNotNull(loanDetails.getRepaymentSchedule());
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// first period [2023-03-03 to 2023-03-03] down payment installment
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assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
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assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
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assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
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assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
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assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalPaidForPeriod());
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assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());
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// second period [2023-03-03 to 2023-04-03] regular installment
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assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
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assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
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assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
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assertEquals(166.67, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());
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assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalPaidForPeriod());
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assertEquals(5.15, loanDetails.getRepaymentSchedule().getPeriods().get(2).getFeeChargesDue());
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assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getFeeChargesPaid());
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assertEquals(10.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPenaltyChargesDue());
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assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPenaltyChargesPaid());
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assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(2).getComplete());
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// third period [2023-04-03 to 2023-05-03] regular installment
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assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
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assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
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assertEquals(LocalDate.of(2023, 05, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
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assertEquals(208.33, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());
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assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalPaidForPeriod());
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assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(3).getComplete());
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// second disbursement with overlapping installment i.e same due date as regular repayment due date
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disbursementDate = LocalDate.of(2023, 04, 3);
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BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate);
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loanTransactionHelper.disburseLoanWithTransactionAmount("03 April 2023", loanId, "1000");
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checkDownPaymentTransaction(disbursementDate, 234.85f, 0.0f, 5.15f, 10.0f, loanId);
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// verify loan schedule
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loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
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assertNotNull(loanDetails.getRepaymentSchedule());
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// verify that overlapping down payment installment is created after regular installment
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// and verify regular repayment type installment gets paid before down payment installment according to
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// payment
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// allocation strategy [DEFAULT]
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// first period [2023-03-03 to 2023-03-03] first down payment installment
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assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
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assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
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assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
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assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
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assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalPaidForPeriod());
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assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());
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// second period [2023-03-03 to 2023-04-03] regular installment, penalty and fee charges gets paid first
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assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
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assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
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assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
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assertEquals(500.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());
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assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalPaidForPeriod());
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assertEquals(265.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalOutstandingForPeriod());
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assertEquals(5.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getFeeChargesDue());
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assertEquals(5.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getFeeChargesPaid());
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assertEquals(10.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPenaltyChargesDue());
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assertEquals(10.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPenaltyChargesPaid());
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assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(3).getComplete());
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// third period [2023-04-03 to 2023-04-03] overlapping down payment installment
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assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
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assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
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assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
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assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());
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assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalPaidForPeriod());
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assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(4).getComplete());
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// fourth period [2023-04-03 to 2023-05-03] regular installment
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assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(5).getPeriod());
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assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(5).getFromDate());
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assertEquals(LocalDate.of(2023, 05, 3), loanDetails.getRepaymentSchedule().getPeriods().get(5).getDueDate());
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assertEquals(625.0, loanDetails.getRepaymentSchedule().getPeriods().get(5).getTotalInstallmentAmountForPeriod());
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assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(5).getTotalPaidForPeriod());
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assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(5).getComplete());
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// make repayment for fully paying and verify that regular installment gets fully paid on 3rd april
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final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
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new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 April 2023").locale("en")
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.transactionAmount(265.15));
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loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
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assertNotNull(loanDetails.getRepaymentSchedule());
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// verify regular installment gets paid off
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// first period [2023-03-03 to 2023-03-03] first down payment installment
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assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
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assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
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assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
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assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
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assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalPaidForPeriod());
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assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());
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// second period [2023-03-03 to 2023-04-03] regular installment, penalty and fee charges gets paid first
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assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
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assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
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assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
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assertEquals(500.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());
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assertEquals(515.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalPaidForPeriod());
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assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalOutstandingForPeriod());
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assertEquals(5.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getFeeChargesDue());
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assertEquals(5.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getFeeChargesPaid());
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assertEquals(10.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPenaltyChargesDue());
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assertEquals(10.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPenaltyChargesPaid());
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assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(3).getComplete());
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// third period [2023-04-03 to 2023-04-03] overlapping down payment installment
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assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
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assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
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assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
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assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());
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assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalPaidForPeriod());
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assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(4).getComplete());
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// fourth period [2023-04-03 to 2023-05-03] regular installment
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assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(5).getPeriod());
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assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(5).getFromDate());
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assertEquals(LocalDate.of(2023, 05, 3), loanDetails.getRepaymentSchedule().getPeriods().get(5).getDueDate());
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assertEquals(625.0, loanDetails.getRepaymentSchedule().getPeriods().get(5).getTotalInstallmentAmountForPeriod());
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assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(5).getTotalPaidForPeriod());
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assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(5).getComplete());
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// make another repayment of 250 and verify downpayment installment gets paid off on 3rd april
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final PostLoansLoanIdTransactionsResponse repaymentTransaction_2 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
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new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 April 2023").locale("en")
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.transactionAmount(250.00));
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loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
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assertNotNull(loanDetails.getRepaymentSchedule());
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// verify down payment installment gets paid off
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// first period [2023-03-03 to 2023-03-03] first down payment installment
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assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
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assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
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assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
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assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
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assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalPaidForPeriod());
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assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());
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// second period [2023-03-03 to 2023-04-03] regular installment, penalty and fee charges gets paid first and
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// then principal
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assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
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assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
|
||||
assertEquals(500.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(515.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalPaidForPeriod());
|
||||
assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalOutstandingForPeriod());
|
||||
assertEquals(5.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getFeeChargesDue());
|
||||
assertEquals(5.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getFeeChargesPaid());
|
||||
assertEquals(10.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPenaltyChargesDue());
|
||||
assertEquals(10.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPenaltyChargesPaid());
|
||||
assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(3).getComplete());
|
||||
|
||||
// third period [2023-04-03 to 2023-04-03] down payment installment gets paid
|
||||
assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
|
||||
assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalPaidForPeriod());
|
||||
assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(4).getComplete());
|
||||
|
||||
// fourth period [2023-04-03 to 2023-05-03] regular installment
|
||||
assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(5).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(5).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 05, 3), loanDetails.getRepaymentSchedule().getPeriods().get(5).getDueDate());
|
||||
assertEquals(625.0, loanDetails.getRepaymentSchedule().getPeriods().get(5).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(5).getTotalPaidForPeriod());
|
||||
assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(5).getComplete());
|
||||
|
||||
} finally {
|
||||
GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
|
||||
}
|
||||
|
||||
}
|
||||
|
||||
@Test
|
||||
public void loanAccountWithEnableDownPaymentAndDisableAutoRepaymentForDownPaymentWithOverlappingInstallmentPaymentAllocationTest() {
|
||||
try {
|
||||
|
||||
// Test with
|
||||
// Enable Down Payment
|
||||
// Disable Auto Repayment For Down Payment
|
||||
// Payment Strategy INTEREST_PRINCIPAL_PENALTIES_FEES_ORDER_STRATEGY =
|
||||
// "interest-principal-penalties-fees-order-strategy"
|
||||
// Overlapping down payment and regular installment
|
||||
|
||||
// Set business date
|
||||
LocalDate disbursementDate = LocalDate.of(2023, 03, 3);
|
||||
|
||||
GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
|
||||
BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate);
|
||||
|
||||
// Loan ExternalId
|
||||
String loanExternalIdStr = UUID.randomUUID().toString();
|
||||
|
||||
// down-payment configuration
|
||||
Boolean enableDownPayment = true;
|
||||
BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25);
|
||||
Boolean enableAutoRepaymentForDownPayment = false;
|
||||
|
||||
final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
|
||||
|
||||
// Loan Product creation with down-payment configuration
|
||||
final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithEnableDownPaymentAndMultipleDisbursements(
|
||||
loanTransactionHelper, enableDownPayment, "25", enableAutoRepaymentForDownPayment);
|
||||
|
||||
assertNotNull(getLoanProductsProductResponse);
|
||||
assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
|
||||
assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
|
||||
.compareTo(disbursedAmountPercentageForDownPayment));
|
||||
assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());
|
||||
|
||||
// create loan account with "interest-principal-penalties-fees-order-strategy"
|
||||
|
||||
final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(),
|
||||
loanExternalIdStr, LoanProductTestBuilder.INTEREST_PRINCIPAL_PENALTIES_FEES_ORDER_STRATEGY);
|
||||
|
||||
// add charge PENALTY with due date as overlapping installment due date
|
||||
|
||||
Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec,
|
||||
ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", true));
|
||||
|
||||
LocalDate targetDate = LocalDate.of(2023, 4, 3);
|
||||
final String penaltyCharge1AddedDate = DATE_FORMATTER.format(targetDate);
|
||||
|
||||
Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId,
|
||||
LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10"));
|
||||
|
||||
assertNotNull(penalty1LoanChargeId);
|
||||
|
||||
// add charge FEE with due date as overlapping installment due date
|
||||
Integer fee = ChargesHelper.createCharges(requestSpec, responseSpec,
|
||||
ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", false));
|
||||
|
||||
targetDate = LocalDate.of(2023, 4, 3);
|
||||
final String feeCharge1AddedDate = DATE_FORMATTER.format(targetDate);
|
||||
|
||||
Integer feeLoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId,
|
||||
LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(fee), feeCharge1AddedDate, "5.15"));
|
||||
|
||||
assertNotNull(feeLoanChargeId);
|
||||
|
||||
// Retrieve Loan with loanId
|
||||
|
||||
GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
|
||||
|
||||
// verify down-payment details for Loan
|
||||
assertNotNull(loanDetails);
|
||||
assertEquals(enableDownPayment, loanDetails.getEnableDownPayment());
|
||||
assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment));
|
||||
assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());
|
||||
|
||||
// first disbursement
|
||||
loanTransactionHelper.disburseLoanWithTransactionAmount("03 March 2023", loanId, "500");
|
||||
|
||||
// make repayment on 3rd March
|
||||
final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
|
||||
new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 March 2023").locale("en")
|
||||
.transactionAmount(125.0));
|
||||
|
||||
// verify loan schedule
|
||||
|
||||
loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
|
||||
|
||||
assertNotNull(loanDetails.getRepaymentSchedule());
|
||||
|
||||
// first period [2023-03-03 to 2023-03-03] down payment installment
|
||||
assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
|
||||
assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalPaidForPeriod());
|
||||
assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());
|
||||
|
||||
// second period [2023-03-03 to 2023-04-03] regular installment
|
||||
assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(2).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
|
||||
assertEquals(166.67, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalPaidForPeriod());
|
||||
assertEquals(5.15, loanDetails.getRepaymentSchedule().getPeriods().get(2).getFeeChargesDue());
|
||||
assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getFeeChargesPaid());
|
||||
assertEquals(10.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPenaltyChargesDue());
|
||||
assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPenaltyChargesPaid());
|
||||
assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(2).getComplete());
|
||||
|
||||
// third period [2023-04-03 to 2023-05-03] regular installment
|
||||
assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 05, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
|
||||
assertEquals(208.33, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalPaidForPeriod());
|
||||
assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(3).getComplete());
|
||||
|
||||
// second disbursement with overlapping installment i.e same due date as regular repayment due date
|
||||
|
||||
disbursementDate = LocalDate.of(2023, 04, 3);
|
||||
BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate);
|
||||
loanTransactionHelper.disburseLoanWithTransactionAmount("03 April 2023", loanId, "1000");
|
||||
|
||||
// make repayment on 3rd April
|
||||
final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
|
||||
new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 April 2023").locale("en")
|
||||
.transactionAmount(250.0));
|
||||
|
||||
// verify loan schedule
|
||||
|
||||
loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
|
||||
|
||||
assertNotNull(loanDetails.getRepaymentSchedule());
|
||||
|
||||
// verify that overlapping down payment installment is created after regular installment
|
||||
|
||||
// and verify regular repayment type installment gets paid before down payment installment according to
|
||||
// payment
|
||||
|
||||
// allocation strategy
|
||||
|
||||
// first period [2023-03-03 to 2023-03-03] first down payment installment
|
||||
assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
|
||||
assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalPaidForPeriod());
|
||||
assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());
|
||||
|
||||
// second period [2023-03-03 to 2023-04-03] regular installment, principal gets paid first
|
||||
assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
|
||||
assertEquals(500.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalPaidForPeriod());
|
||||
assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPrincipalPaid());
|
||||
assertEquals(265.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalOutstandingForPeriod());
|
||||
assertEquals(5.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getFeeChargesDue());
|
||||
assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getFeeChargesPaid());
|
||||
assertEquals(10.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPenaltyChargesDue());
|
||||
assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPenaltyChargesPaid());
|
||||
assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(3).getComplete());
|
||||
|
||||
// third period [2023-04-03 to 2023-04-03] overlapping down payment installment
|
||||
assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
|
||||
assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalPaidForPeriod());
|
||||
assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(4).getComplete());
|
||||
|
||||
// fourth period [2023-04-03 to 2023-05-03] regular installment
|
||||
assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(5).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(5).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 05, 3), loanDetails.getRepaymentSchedule().getPeriods().get(5).getDueDate());
|
||||
assertEquals(625.0, loanDetails.getRepaymentSchedule().getPeriods().get(5).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(5).getTotalPaidForPeriod());
|
||||
assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(5).getComplete());
|
||||
|
||||
// make repayment for fully paying and verify that regular installment gets fully paid on 3rd april
|
||||
|
||||
final PostLoansLoanIdTransactionsResponse repaymentTransaction_2 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
|
||||
new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 April 2023").locale("en")
|
||||
.transactionAmount(265.15));
|
||||
|
||||
loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
|
||||
|
||||
assertNotNull(loanDetails.getRepaymentSchedule());
|
||||
|
||||
// verify regular installment gets paid off
|
||||
|
||||
// first period [2023-03-03 to 2023-03-03] first down payment installment
|
||||
assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
|
||||
assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalPaidForPeriod());
|
||||
assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());
|
||||
|
||||
// second period [2023-03-03 to 2023-04-03] regular installment, principal gets paid first
|
||||
assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
|
||||
assertEquals(500.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(515.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalPaidForPeriod());
|
||||
assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalOutstandingForPeriod());
|
||||
assertEquals(500.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPrincipalPaid());
|
||||
assertEquals(5.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getFeeChargesDue());
|
||||
assertEquals(5.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getFeeChargesPaid());
|
||||
assertEquals(10.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPenaltyChargesDue());
|
||||
assertEquals(10.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPenaltyChargesPaid());
|
||||
assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(3).getComplete());
|
||||
|
||||
// third period [2023-04-03 to 2023-04-03] overlapping down payment installment
|
||||
assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
|
||||
assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalPaidForPeriod());
|
||||
assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(4).getComplete());
|
||||
|
||||
// fourth period [2023-04-03 to 2023-05-03] regular installment
|
||||
assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(5).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(5).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 05, 3), loanDetails.getRepaymentSchedule().getPeriods().get(5).getDueDate());
|
||||
assertEquals(625.0, loanDetails.getRepaymentSchedule().getPeriods().get(5).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(5).getTotalPaidForPeriod());
|
||||
assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(5).getComplete());
|
||||
|
||||
// make another repayment of 250 and verify downpayment installment gets paid off on 3rd april
|
||||
final PostLoansLoanIdTransactionsResponse repaymentTransaction_3 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
|
||||
new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 April 2023").locale("en")
|
||||
.transactionAmount(250.00));
|
||||
|
||||
loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
|
||||
|
||||
assertNotNull(loanDetails.getRepaymentSchedule());
|
||||
|
||||
// verify down payment installment gets paid off
|
||||
|
||||
// first period [2023-03-03 to 2023-03-03] first down payment installment
|
||||
assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
|
||||
assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(125.00, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalPaidForPeriod());
|
||||
assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());
|
||||
|
||||
// second period [2023-03-03 to 2023-04-03] regular installment, principal gets paid first
|
||||
assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 03, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
|
||||
assertEquals(500.00, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(515.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalPaidForPeriod());
|
||||
assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalOutstandingForPeriod());
|
||||
assertEquals(5.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getFeeChargesDue());
|
||||
assertEquals(5.15, loanDetails.getRepaymentSchedule().getPeriods().get(3).getFeeChargesPaid());
|
||||
assertEquals(10.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPenaltyChargesDue());
|
||||
assertEquals(10.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPenaltyChargesPaid());
|
||||
assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(3).getComplete());
|
||||
|
||||
// third period [2023-04-03 to 2023-04-03] down payment installment gets paid
|
||||
assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
|
||||
assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalPaidForPeriod());
|
||||
assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(4).getComplete());
|
||||
|
||||
// fourth period [2023-04-03 to 2023-05-03] regular installment
|
||||
assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().get(5).getPeriod());
|
||||
assertEquals(LocalDate.of(2023, 04, 3), loanDetails.getRepaymentSchedule().getPeriods().get(5).getFromDate());
|
||||
assertEquals(LocalDate.of(2023, 05, 3), loanDetails.getRepaymentSchedule().getPeriods().get(5).getDueDate());
|
||||
assertEquals(625.0, loanDetails.getRepaymentSchedule().getPeriods().get(5).getTotalInstallmentAmountForPeriod());
|
||||
assertEquals(0.0, loanDetails.getRepaymentSchedule().getPeriods().get(5).getTotalPaidForPeriod());
|
||||
assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(5).getComplete());
|
||||
|
||||
} finally {
|
||||
GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
|
||||
}
|
||||
|
||||
}
|
||||
|
||||
private Integer createLoanAccountMultipleRepaymentsDisbursement(final Integer clientID, final Long loanProductID,
|
||||
final String externalId, final String repaymentStartegy) {
|
||||
|
||||
String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("3")
|
||||
.withLoanTermFrequencyAsMonths().withNumberOfRepayments("3").withRepaymentEveryAfter("1")
|
||||
.withRepaymentFrequencyTypeAsMonths().withInterestRatePerPeriod("0").withInterestTypeAsFlatBalance()
|
||||
.withAmortizationTypeAsEqualPrincipalPayments().withInterestCalculationPeriodTypeSameAsRepaymentPeriod()
|
||||
.withExpectedDisbursementDate("03 March 2023").withSubmittedOnDate("03 March 2023").withLoanType("individual")
|
||||
.withExternalId(externalId).withRepaymentStrategy(repaymentStartegy)
|
||||
.build(clientID.toString(), loanProductID.toString(), null);
|
||||
|
||||
final Integer loanId = loanTransactionHelper.getLoanId(loanApplicationJSON);
|
||||
loanTransactionHelper.approveLoan("03 March 2023", "1000", loanId, null);
|
||||
return loanId;
|
||||
}
|
||||
|
||||
private GetLoanProductsProductIdResponse createLoanProductWithEnableDownPaymentAndMultipleDisbursements(
|
||||
LoanTransactionHelper loanTransactionHelper, Boolean enableDownPayment, String disbursedAmountPercentageForDownPayment,
|
||||
boolean enableAutoRepaymentForDownPayment) {
|
||||
final String loanProductJSON = new LoanProductTestBuilder().withPrincipal("1000").withRepaymentTypeAsMonth()
|
||||
.withRepaymentAfterEvery("1").withNumberOfRepayments("3").withRepaymentTypeAsMonth().withinterestRatePerPeriod("0")
|
||||
.withInterestRateFrequencyTypeAsMonths().withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsDecliningBalance()
|
||||
.withInterestCalculationPeriodTypeAsRepaymentPeriod(true).withDaysInMonth("30").withDaysInYear("365")
|
||||
.withMoratorium("0", "0").withMultiDisburse().withDisallowExpectedDisbursements(true)
|
||||
.withEnableDownPayment(enableDownPayment, disbursedAmountPercentageForDownPayment, enableAutoRepaymentForDownPayment)
|
||||
.build(null);
|
||||
final Integer loanProductId = loanTransactionHelper.getLoanProductId(loanProductJSON);
|
||||
return loanTransactionHelper.getLoanProduct(loanProductId);
|
||||
}
|
||||
|
||||
private void checkDownPaymentTransaction(final LocalDate transactionDate, final Float principalPortion, final Float interestPortion,
|
||||
final Float feePortion, final Float penaltyPortion, final Integer loanID) {
|
||||
ArrayList<HashMap> transactions = (ArrayList<HashMap>) loanTransactionHelper.getLoanTransactions(this.requestSpec,
|
||||
this.responseSpec, loanID);
|
||||
boolean isTransactionFound = false;
|
||||
for (int i = 0; i < transactions.size(); i++) {
|
||||
HashMap transactionType = (HashMap) transactions.get(i).get("type");
|
||||
boolean isDownPaymentTransaction = (Boolean) transactionType.get("downPayment");
|
||||
|
||||
if (isDownPaymentTransaction) {
|
||||
ArrayList<Integer> downPaymentDateAsArray = (ArrayList<Integer>) transactions.get(i).get("date");
|
||||
LocalDate downPaymentEntryDate = LocalDate.of(downPaymentDateAsArray.get(0), downPaymentDateAsArray.get(1),
|
||||
downPaymentDateAsArray.get(2));
|
||||
|
||||
if (transactionDate.isEqual(downPaymentEntryDate)) {
|
||||
isTransactionFound = true;
|
||||
assertEquals(principalPortion, Float.valueOf(String.valueOf(transactions.get(i).get("principalPortion"))),
|
||||
"Mismatch in transaction amounts");
|
||||
assertEquals(interestPortion, Float.valueOf(String.valueOf(transactions.get(i).get("interestPortion"))),
|
||||
"Mismatch in transaction amounts");
|
||||
assertEquals(feePortion, Float.valueOf(String.valueOf(transactions.get(i).get("feeChargesPortion"))),
|
||||
"Mismatch in transaction amounts");
|
||||
assertEquals(penaltyPortion, Float.valueOf(String.valueOf(transactions.get(i).get("penaltyChargesPortion"))),
|
||||
"Mismatch in transaction amounts");
|
||||
break;
|
||||
}
|
||||
}
|
||||
}
|
||||
assertTrue(isTransactionFound, "No Down Payment entries are posted");
|
||||
}
|
||||
}
|
||||
Reference in New Issue
Block a user