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FINERACT-2311: added e2e auto test scenarios for add buy down fee adjustment trn

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This commit is contained in:
MarianaDmytrivBinariks
2025-07-08 22:47:53 +02:00
committed by Adam Saghy
parent 53108227ae
commit f76a65ed99
5 changed files with 849 additions and 18 deletions
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fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/TransactionType.java
+2
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@@ -39,6 +39,8 @@ public enum TransactionType {
CAPITALIZED_INCOME_ADJUSTMENT("capitalizedIncomeAdjustment"), //
CAPITALIZED_INCOME_AMORTIZATION_ADJUSTMENT("capitalizedIncomeAmortizationAdjustment"), //
BUY_DOWN_FEE("buyDownFee"), //
BUY_DOWN_FEE_ADJUSTMENT("buyDownFeeAdjustment"), //
BUY_DOWN_FEE_AMORTIZATION("buyDownFeeAmortization"), //
;
public final String value;
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/factory/LoanProductsRequestFactory.java
-7
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@@ -1746,14 +1746,7 @@ public class LoanProductsRequestFactory {
.chargeOffExpenseAccountId(accountTypeResolver.resolve(DefaultAccountType.CREDIT_LOSS_BAD_DEBT))//
.chargeOffFraudExpenseAccountId(accountTypeResolver.resolve(DefaultAccountType.CREDIT_LOSS_BAD_DEBT_FRAUD))//
.incomeFromChargeOffPenaltyAccountId(accountTypeResolver.resolve(DefaultAccountType.FEE_CHARGE_OFF))//
.enableIncomeCapitalization(true)
.capitalizedIncomeStrategy(PostLoanProductsRequest.CapitalizedIncomeStrategyEnum.EQUAL_AMORTIZATION)//
.capitalizedIncomeCalculationType(PostLoanProductsRequest.CapitalizedIncomeCalculationTypeEnum.FLAT)//
.capitalizedIncomeType(PostLoanProductsRequest.CapitalizedIncomeTypeEnum.INTEREST)//
.deferredIncomeLiabilityAccountId(accountTypeResolver.resolve(DefaultAccountType.DEFERRED_CAPITALIZED_INCOME))//
.incomeFromCapitalizationAccountId(accountTypeResolver.resolve(DefaultAccountType.INTEREST_INCOME))//
.buyDownFeeStrategy(PostLoanProductsRequest.BuyDownFeeStrategyEnum.EQUAL_AMORTIZATION)//
.buyDownFeeCalculationType(PostLoanProductsRequest.BuyDownFeeCalculationTypeEnum.FLAT)//
.buyDownFeeIncomeType(PostLoanProductsRequest.BuyDownFeeIncomeTypeEnum.INTEREST)//
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/stepdef/loan/LoanStepDef.java
+43 -1
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@@ -4681,13 +4681,32 @@ public class LoanStepDef extends AbstractStepDef {
final PostLoansLoanIdTransactionsRequest buyDownFeeRequest = LoanRequestFactory.defaultBuyDownFeeIncomeRequest()
.transactionDate(transactionDate).transactionAmount(Double.valueOf(amount)).paymentTypeId(paymentTypeValue)
.externalId("EXT-BUY-DOWN-FEES" + UUID.randomUUID());
.externalId("EXT-BUY-DOWN-FEE" + UUID.randomUUID());
final Response<PostLoansLoanIdTransactionsResponse> buyDownFeeResponse = loanTransactionsApi
.executeLoanTransaction(loanId, buyDownFeeRequest, "buyDownFee").execute();
return buyDownFeeResponse;
}
public Response<PostLoansLoanIdTransactionsResponse> adjustBuyDownFee(final String transactionPaymentType, final String transactionDate,
final String amount, final Long transactionId) throws IOException {
final Response<PostLoansResponse> loanResponse = testContext().get(TestContextKey.LOAN_CREATE_RESPONSE);
final long loanId = loanResponse.body().getLoanId();
final DefaultPaymentType paymentType = DefaultPaymentType.valueOf(transactionPaymentType);
final Long paymentTypeValue = paymentTypeResolver.resolve(paymentType);
final PostLoansLoanIdTransactionsTransactionIdRequest buyDownFeeRequest = new PostLoansLoanIdTransactionsTransactionIdRequest()
.transactionDate(transactionDate).dateFormat("dd MMMM yyyy").locale("en").transactionAmount(Double.valueOf(amount))
.paymentTypeId(paymentTypeValue).externalId("EXT-BUY-DOWN-FEE-ADJ-" + UUID.randomUUID());
// Use adjustLoanTransaction with the transaction ID and command
final Response<PostLoansLoanIdTransactionsResponse> buyDownFeeResponse = loanTransactionsApi
.adjustLoanTransaction(loanId, transactionId, buyDownFeeRequest, "buyDownFeeAdjustment").execute();
return buyDownFeeResponse;
}
@And("Admin adds buy down fee with {string} payment type to the loan on {string} with {string} EUR transaction amount")
public void adminAddsBuyDownFeesToTheLoanOnWithEURTransactionAmount(final String transactionPaymentType, final String transactionDate,
final String amount) throws IOException {
@@ -4697,4 +4716,27 @@ public class LoanStepDef extends AbstractStepDef {
ErrorHelper.checkSuccessfulApiCall(buyDownFeesIncomeResponse);
}
@And("Admin adds buy down fee adjustment with {string} payment type to the loan on {string} with {string} EUR transaction amount")
public void adminAddsBuyDownFeesAdjustmentToTheLoan(final String transactionPaymentType, final String transactionDate,
final String amount) throws IOException {
final Response<PostLoansResponse> loanResponse = testContext().get(TestContextKey.LOAN_CREATE_RESPONSE);
final long loanId = loanResponse.body().getLoanId();
final Response<GetLoansLoanIdResponse> loanDetailsResponse = loansApi.retrieveLoan(loanId, false, "transactions", "", "").execute();
ErrorHelper.checkSuccessfulApiCall(loanDetailsResponse);
final List<GetLoansLoanIdTransactions> transactions = loanDetailsResponse.body().getTransactions();
final GetLoansLoanIdTransactions buyDownFeeTransaction = transactions.stream()
.filter(t -> "Buy Down Fee".equals(t.getType().getValue())).findFirst()
.orElseThrow(() -> new IllegalStateException("No Buy Down Fee transaction found for loan " + loanId));
final Response<PostLoansLoanIdTransactionsResponse> adjustmentResponse = adjustBuyDownFee(transactionPaymentType, transactionDate,
amount, buyDownFeeTransaction.getId());
testContext().set(TestContextKey.LOAN_BUY_DOWN_FEE_ADJUSTMENT_RESPONSE, adjustmentResponse);
ErrorHelper.checkSuccessfulApiCall(adjustmentResponse);
log.debug("BuyDown Fee Adjustment created: Transaction ID {}", adjustmentResponse.body().getResourceId());
}
}
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java
+2 -1
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@@ -225,13 +225,14 @@ public abstract class TestContextKey {
public static final String LOAN_DELINQUENCY_ACTION_RESPONSE = "loanDelinquencyActionResponse";
public static final String LOAN_TRANSACTION_RESPONSE = "loanTransactionResponse";
public static final String LOAN_CAPITALIZED_INCOME_RESPONSE = "loanCapitalizedIncomeResponse";
public static final String LOAN_BUY_DOWN_FEE_RESPONSE = "loanCapitalizedBuyDownFeeResponse";
public static final String LOAN_DISBURSEMENT_DETAIL_RESPONSE = "loanDisbursementDetailResponse";
public static final String LOAN_CAPITALIZED_INCOME_AMORTIZATION_ID = "loanCapitalizedIncomeAmortizationId";
public static final String LOAN_CAPITALIZED_INCOME_ADJUSTMENT_RESPONSE = "loanCapitalizedIncomeAdjustmentResponse";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_CONTRACT_TERMINATION = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyInterestRecalculationContractTermination";
public static final String LOAN_CONTRACT_TERMINATION_RESPONSE = "loanContractTerminationResponse";
public static final String LOAN_UNDO_CONTRACT_TERMINATION_RESPONSE = "loanUndoContractTerminationResponse";
public static final String LOAN_BUY_DOWN_FEE_RESPONSE = "loanBuyDownFeeResponse";
public static final String LOAN_BUY_DOWN_FEE_ADJUSTMENT_RESPONSE = "loanBuyDownFeeAdjustmentResponse";
public static final String MANUAL_JOURNAL_ENTRIES_REQUEST = "manualJournalEntriesRequest";
public static final String MANUAL_JOURNAL_ENTRIES_RESPONSE = "manualJournalEntriesResponse";
}
fineract-e2e-tests-runner/src/test/resources/features/LoanBuyDownFees.feature
+802 -9
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@@ -2,7 +2,7 @@
Feature:Feature: Buy Down Fees
@TestRailId:C3770
Scenario: Simple loan with Buy Down fees and full payment - UC1
Scenario: Verify loan with Buy Down fees and full payment - UC1.1
When Admin sets the business date to "1 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
@@ -43,18 +43,252 @@ Feature:Feature: Buy Down Fees
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 33.73 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Repayment | 33.72 | 33.33 | 0.39 | 0.0 | 0.0 | 33.53 | false |
| 31 March 2024 | Accrual | 1.16 | 0.0 | 1.16 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.53 | 0.2 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
@TestRailId:C3827
Scenario: Verify loan with Buy Down fees and full payment and daily amortization - UC1.2
When Admin sets the business date to "1 January 2024"
And Admin creates a client with random data
And 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_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 1 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin runs inline COB job for Loan
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Repayment | 33.72 | 33.33 | 0.39 | 0.0 | 0.0 | 33.53 | false |
| 31 March 2024 | Accrual | 1.16 | 0.0 | 1.16 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.53 | 0.2 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
When Admin sets the business date to "2 January 2024"
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 |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 0.55 |
| LIABILITY | 145024 | Deferred Capitalized Income | 0.55 | |
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin sets the business date to "1 March 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 33.72 EUR transaction amount
When Admin sets the business date to "1 April 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 33.73 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Repayment | 33.72 | 33.33 | 0.39 | 0.0 | 0.0 | 33.53 | false |
| 01 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 02 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 04 March 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 05 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 05 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 07 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 09 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 10 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 11 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 12 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 13 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 15 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 16 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 17 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 18 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 20 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 21 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 March 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 23 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 23 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 24 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 26 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 28 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 29 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 29 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 30 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.53 | 0.2 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
@TestRailId:C3771
Scenario: Loan with Buy Down fees and early payoff - UC2
Scenario: Verify loan with Buy Down fees and early payoff - UC2.1
When Admin sets the business date to "1 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
@@ -100,8 +334,183 @@ Feature:Feature: Buy Down Fees
| 01 March 2024 | Repayment | 67.25 | 66.86 | 0.39 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Accrual | 0.97 | 0.0 | 0.97 | 0.0 | 0.0 | 0.0 | false |
@TestRailId:C3828
Scenario: Verify loan with Buy Down fees and early payoff and daily amortization - UC2.2
When Admin sets the business date to "1 January 2024"
And Admin creates a client with random data
And 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_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 1 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
When Admin sets the business date to "2 January 2024"
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 |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 0.55 |
| LIABILITY | 145024 | Deferred Capitalized Income | 0.55 | |
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin sets the business date to "1 March 2024"
When Admin runs inline COB job for Loan
When Loan Pay-off is made on "1 March 2024"
Then Loan's all installments have obligations met
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Repayment | 67.25 | 66.86 | 0.39 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
@TestRailId:C3772
Scenario: Loan with Buy Down fees and charge-off - UC3
Scenario: Verify loan with Buy Down fees and charge-off - UC3.1
When Admin sets the business date to "1 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
@@ -156,3 +565,387 @@ Feature:Feature: Buy Down Fees
When Loan Pay-off is made on "1 March 2024"
Then Loan's all installments have obligations met
@TestRailId:C3829
Scenario: Verify loan with Buy Down fees and charge-off and daily amortization - UC3.2
When Admin sets the business date to "1 January 2024"
And Admin creates a client with random data
And 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_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 1 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
When Admin sets the business date to "2 January 2024"
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 |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 0.55 |
| LIABILITY | 145024 | Deferred Capitalized Income | 0.55 | |
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin sets the business date to "1 March 2024"
When Admin runs inline COB job for Loan
And Admin does charge-off the loan on "1 March 2024"
Then Loan status will be "ACTIVE"
And Loan marked as charged-off on "01 March 2024"
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 66.86 |
| ASSET | 112603 | Interest/Fee Receivable | | 0.59 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 66.86 | |
| INCOME | 404001 | Interest Income Charge Off | 0.59 | |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Charge-off | 67.45 | 66.86 | 0.59 | 0.0 | 0.0 | 0.0 | false |
When Loan Pay-off is made on "1 March 2024"
Then Loan's all installments have obligations met
@TestRailId:С3825
Scenario: Verify loan with Buy Down Fee adjustment trn with daily amortization and repayment trns - UC4
When Admin sets the business date to "1 January 2024"
And Admin creates a client with random data
And 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_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 1 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
# --- 1st repayment on February,1 ---#
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
Then Loan Repayment schedule has 3 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 33.72 | 0.0 | 0.0 | 67.45 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
# --- BuyDownFee Adjustment trns on March,1 ---#
When Admin sets the business date to "1 March 2024"
And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "01 March 2024" with "10" EUR transaction amount
Then Loan Repayment schedule has 3 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 33.72 | 0.0 | 0.0 | 67.45 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 56.86 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | | 10.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 10.0 | |
# --- 2nd repayment on April,1 ---#
When Admin sets the business date to "1 April 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 33.73 EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 56.86 | false |
| 31 March 2024 | Accrual | 1.35 | 0.0 | 1.35 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 40.0 | 0.0 | 40.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.34 | 0.39 | 0.0 | 0.0 | 23.52 | false |
When Loan Pay-off is made on "1 April 2024"
Then Loan's all installments have obligations met
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 56.86 | false |
| 31 March 2024 | Accrual | 1.35 | 0.0 | 1.35 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 40.0 | 0.0 | 40.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.34 | 0.39 | 0.0 | 0.0 | 23.52 | false |
| 01 April 2024 | Repayment | 33.91 | 33.52 | 0.39 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
@TestRailId:С3826
Scenario: Verify loan with a few Buy Down Fee adjustment trns with daily amortization and repayment trns - UC5
When Admin sets the business date to "1 January 2024"
And Admin creates a client with random data
And 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_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 1 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
# --- 1st repayment on February,1 ---#
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
Then Loan Repayment schedule has 3 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 |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 33.72 | 0.0 | 0.0 | 67.45 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
# --- 1st BuyDownFee Adjustment trns on March,1 ---#
When Admin sets the business date to "1 March 2024"
And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "01 March 2024" with "10" EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 56.86 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | | 10.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 10.0 | |
# --- 2nd BuyDownFee Adjustment trns on March,15 ---#
When Admin sets the business date to "15 March 2024"
And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "15 March 2024" with "5" EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 56.86 | false |
| 15 March 2024 | Buy Down Fee Adjustment | 5.0 | 5.0 | 0.0 | 0.0 | 0.0 | 51.86 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with date "15 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | | 5.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 5.0 | |
# --- 2nd repayment on April,1 ---#
When Admin sets the business date to "1 April 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 33.73 EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 56.86 | false |
| 15 March 2024 | Buy Down Fee Adjustment | 5.0 | 5.0 | 0.0 | 0.0 | 0.0 | 51.86 | false |
| 31 March 2024 | Accrual | 1.35 | 0.0 | 1.35 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 35.0 | 0.0 | 35.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.34 | 0.39 | 0.0 | 0.0 | 18.52 | false |
When Loan Pay-off is made on "1 April 2024"
Then Loan's all installments have obligations met
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 56.86 | false |
| 15 March 2024 | Buy Down Fee Adjustment | 5.0 | 5.0 | 0.0 | 0.0 | 0.0 | 51.86 | false |
| 31 March 2024 | Accrual | 1.35 | 0.0 | 1.35 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 35.0 | 0.0 | 35.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.34 | 0.39 | 0.0 | 0.0 | 18.52 | false |
| 01 April 2024 | Repayment | 33.91 | 33.52 | 0.39 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |