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FINERACT-2319: Add penalty-first payment allocation strategy for progressive loans with backdated repayment charge handling

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Oleksii Novikov
2025-07-10 13:38:56 +02:00
committed by Adam Saghy
parent 68b2fcb7e1
commit fc93db16b5
12 changed files with 219 additions and 49 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature
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@@ -5406,3 +5406,86 @@ Feature: LoanRepayment
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 40.0 | 39.42 | 0.58 | 0.0 | 0.0 | 60.58 | false | false |
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
Scenario: Verify progressive loan repayment reversals with penalty charge and backdated repayment
When Admin sets the business date to "20 October 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_NO_INTEREST_RECALCULATION_ALLOCATION_PENALTY_FIRST | 20 October 2024 | 100 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "20 October 2024" with "100" amount and expected disbursement date on "20 October 2024"
And Admin successfully disburse the loan on "20 October 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 1 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 |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
When Admin sets the business date to "22 October 2024"
And Customer makes "AUTOPAY" repayment on "22 October 2024" with 100 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan Repayment schedule has 1 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 |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | 22 October 2024 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 100.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 20 October 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 22 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
When Admin sets the business date to "24 October 2024"
And Customer makes a repayment undo on "22 October 2024"
Then Loan status will be "ACTIVE"
And Loan has 100 outstanding amount
Then Loan Repayment schedule has 1 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 |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 20 October 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 22 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
When Admin sets the business date to "26 October 2024"
And Customer makes "AUTOPAY" repayment on "26 October 2024" with 100 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan Repayment schedule has 1 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 |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | 26 October 2024 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 100.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 20 October 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 22 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
| 26 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "28 October 2024"
And Customer makes a repayment undo on "26 October 2024"
Then Loan status will be "ACTIVE"
And Loan has 100 outstanding amount
Then Loan Repayment schedule has 1 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 |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
When Admin adds "LOAN_NSF_FEE" due date charge with "28 October 2024" due date and 10 EUR transaction amount
Then Loan Repayment schedule has 1 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 |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 10.0 | 110.0 | 0.0 | 0.0 | 0.0 | 110.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.0 | 0.0 | 10.0 | 110.0 | 0.0 | 0.0 | 0.0 | 110.0 |
And Customer makes "AUTOPAY" repayment on "26 October 2024" with 101 EUR transaction amount
Then Loan Repayment schedule has 1 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 |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 10.0 | 110.0 | 101.0 | 101.0 | 0.0 | 9.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.0 | 0.0 | 10.0 | 110.0 | 101.0 | 101.0 | 0.0 | 9.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 20 October 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 22 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
| 26 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
| 26 October 2024 | Repayment | 101.0 | 100.0 | 0.0 | 0.0 | 1.0 | 0.0 | false | false |
When Customer makes "AUTOPAY" repayment on "27 October 2024" with 9 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"