CBSNexora/cbsnexora-backend
4
0
Fork 0
Code Issues Pull Requests Actions 10 Packages Projects Releases Wiki Activity
Files
36d779eabf23ebf3089a579bc29548027079a889
cbsnexora-backend/fineract-e2e-tests-runner/src/test/resources/features/LoanReschedule.feature
T

1435 lines
180 KiB
Gherkin
Raw Blame History

@LoanRescheduleFeature
Feature: LoanReschedule
@TestRailId:C2680
Scenario: As a user I would like to see a loan changed event was triggered when the loan got rescheduled
When Admin sets the business date to "1 July 2022"
When Admin creates a client with random data
And Admin successfully creates a new customised Loan submitted on date: "1 July 2022", with Principal: "5000", a loanTermFrequency: 1 months, and numberOfRepayments: 1
And Admin successfully approves the loan on "1 July 2022" with "5000" amount and expected disbursement date on "1 July 2022"
When Admin successfully disburse the loan on "1 July 2022" with "5000" EUR transaction amount
When Batch API call with steps: rescheduleLoan from "1 August 2022" to "31 August 2022" submitted on date: "1 July 2022", approveReschedule on date: "1 July 2022" runs with enclosingTransaction: "true"
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 |
| | | 01 July 2022 | | 5000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 61 | 31 August 2022 | | 0.0 | 5000.0 | 0.0 | 0.0 | 0.0 | 5000.0 | 0.0 | 0.0 | 0.0 | 5000.0 |
@TestRailId:C2801
Scenario: Verify that loan is rescheduled properly in case of: undo disbursement
When Admin sets the business date to "01 July 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "01 July 2023"
And Admin successfully approves the loan on "01 July 2023" with "1000" amount and expected disbursement date on "01 July 2023"
And Admin successfully disburse the loan on "01 July 2023" with "1000" 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 |
| | | 01 July 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 31 July 2023 | | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 0 | 0 | 0 | 1000 | 0 | 0 | 0 | 1000 |
When Admin sets the business date to "02 July 2023"
When Admin successfully undo disbursal
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 |
| | | 01 July 2023 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 30 | 31 July 2023 | | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 0 | 0 | 0 | 1000 | 0 | 0 | 0 | 1000 |
@TestRailId:C2802
Scenario: Verify that loan is rescheduled properly in case of: multiple disbursement, second disbursement placed within payment period
When Admin sets the business date to "01 July 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "01 July 2023"
And Admin successfully approves the loan on "01 July 2023" with "1000" amount and expected disbursement date on "01 July 2023"
And Admin successfully disburse the loan on "01 July 2023" with "500" 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 |
| | | 01 July 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 31 July 2023 | | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500 | 0 | 0 | 0 | 500 | 0 | 0 | 0 | 500 |
When Admin sets the business date to "10 July 2023"
And Admin successfully disburse the loan on "10 July 2023" with "500" 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 |
| | | 01 July 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 10 July 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 31 July 2023 | | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 0 | 0 | 0 | 1000 | 0 | 0 | 0 | 1000 |
@TestRailId:C2803
Scenario: Verify that loan is rescheduled properly in case of: multiple disbursement, second disbursement placed after payment period
When Admin sets the business date to "01 July 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "01 July 2023"
And Admin successfully approves the loan on "01 July 2023" with "1000" amount and expected disbursement date on "01 July 2023"
And Admin successfully disburse the loan on "01 July 2023" with "500" 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 |
| | | 01 July 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 31 July 2023 | | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500 | 0 | 0 | 0 | 500 | 0 | 0 | 0 | 500 |
When Admin sets the business date to "10 August 2023"
And Admin successfully disburse the loan on "10 August 2023" with "500" EUR transaction amount
Then Loan Repayment schedule has 2 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 July 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 31 July 2023 | | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| | | 10 August 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 30 | 30 August 2023 | | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 0 | 0 | 0 | 1000 | 0 | 0 | 0 | 1000 |
When Admin successfully undo last disbursal
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 |
| | | 01 July 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 31 July 2023 | | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500 | 0 | 0 | 0 | 500 | 0 | 0 | 0 | 500 |
@TestRailId:C2804
Scenario: Verify that loan is rescheduled properly in case of: single installment, changing installment date
When Admin sets the business date to "01 July 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "01 July 2023"
And Admin successfully approves the loan on "01 July 2023" with "1000" amount and expected disbursement date on "01 July 2023"
And Admin successfully disburse the loan on "01 July 2023" with "1000" 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 |
| | | 01 July 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 31 July 2023 | | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 0 | 0 | 0 | 1000 | 0 | 0 | 0 | 1000 |
When Admin sets the business date to "05 July 2023"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 31 July 2023 | 05 July 2023 | 31 August 2023 | | | | |
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 |
| | | 01 July 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 61 | 31 August 2023 | | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 0 | 0 | 0 | 1000 | 0 | 0 | 0 | 1000 |
@TestRailId:C2805
Scenario: Verify that loan is rescheduled properly in case of: multiple installments, changing installment date
When Admin sets the business date to "01 July 2023"
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 |
| LP1 | 01 July 2023 | 3000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "01 July 2023" with "3000" amount and expected disbursement date on "01 July 2023"
And Admin successfully disburse the loan on "01 July 2023" with "3000" 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 July 2023 | | 3000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2023 | | 2000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 2 | 31 | 01 September 2023 | | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 3 | 30 | 01 October 2023 | | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 3000 | 0 | 0 | 0 | 3000 | 0 | 0 | 0 | 3000 |
When Admin sets the business date to "05 July 2023"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 September 2023 | 05 July 2023 | 15 September 2023 | | | | |
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 July 2023 | | 3000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2023 | | 2000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 2 | 45 | 15 September 2023 | | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 3 | 30 | 15 October 2023 | | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 3000 | 0 | 0 | 0 | 3000 | 0 | 0 | 0 | 3000 |
@TestRailId:C2806
Scenario: Verify that loan is rescheduled properly in case of: multiple installments, extending repayment schedule
When Admin sets the business date to "01 July 2023"
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 |
| LP1 | 01 July 2023 | 3000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "01 July 2023" with "3000" amount and expected disbursement date on "01 July 2023"
And Admin successfully disburse the loan on "01 July 2023" with "3000" 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 July 2023 | | 3000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2023 | | 2000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 2 | 31 | 01 September 2023 | | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 3 | 30 | 01 October 2023 | | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 3000 | 0 | 0 | 0 | 3000 | 0 | 0 | 0 | 3000 |
When Admin sets the business date to "05 July 2023"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 September 2023 | 05 July 2023 | | | | 2 | |
Then Loan Repayment schedule has 5 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 July 2023 | | 3000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2023 | | 2000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 2 | 31 | 01 September 2023 | | 1500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 3 | 30 | 01 October 2023 | | 1000.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 4 | 31 | 01 November 2023 | | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 5 | 30 | 01 December 2023 | | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 3000 | 0 | 0 | 0 | 3000 | 0 | 0 | 0 | 3000 |
@TestRailId:C2807
Scenario: Verify that loan is rescheduled properly in case of: multiple installments, mid-term grace period on principal
When Admin sets the business date to "01 July 2023"
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 |
| LP1 | 01 July 2023 | 3000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "01 July 2023" with "3000" amount and expected disbursement date on "01 July 2023"
And Admin successfully disburse the loan on "01 July 2023" with "3000" 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 July 2023 | | 3000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2023 | | 2000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 2 | 31 | 01 September 2023 | | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 3 | 30 | 01 October 2023 | | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 3000 | 0 | 0 | 0 | 3000 | 0 | 0 | 0 | 3000 |
When Admin sets the business date to "05 July 2023"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 September 2023 | 05 July 2023 | | 1 | | | |
Then Loan Repayment schedule has 4 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 July 2023 | | 3000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2023 | | 2000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 2 | 31 | 01 September 2023 | 01 July 2023 | 2000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 30 | 01 October 2023 | | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 4 | 31 | 01 November 2023 | | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 3000 | 0 | 0 | 0 | 3000 | 0 | 0 | 0 | 3000 |
@TestRailId:C2808
Scenario: Verify that loan is rescheduled properly in case of: multiple installments, mid-term grace period on interest
When Admin sets the business date to "01 July 2023"
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 |
| LP1_INTEREST_FLAT | 01 July 2023 | 4000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "01 July 2023" with "4000" amount and expected disbursement date on "01 July 2023"
And Admin successfully disburse the loan on "01 July 2023" with "4000" EUR transaction amount
Then Loan Repayment schedule has 4 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 July 2023 | | 4000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2023 | | 3000.0 | 1000.0 | 40.0 | 0.0 | 0.0 | 1040.0 | 0.0 | 0.0 | 0.0 | 1040.0 |
| 2 | 31 | 01 September 2023 | | 2000.0 | 1000.0 | 40.0 | 0.0 | 0.0 | 1040.0 | 0.0 | 0.0 | 0.0 | 1040.0 |
| 3 | 30 | 01 October 2023 | | 1000.0 | 1000.0 | 40.0 | 0.0 | 0.0 | 1040.0 | 0.0 | 0.0 | 0.0 | 1040.0 |
| 4 | 31 | 01 November 2023 | | 0.0 | 1000.0 | 40.0 | 0.0 | 0.0 | 1040.0 | 0.0 | 0.0 | 0.0 | 1040.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 4000 | 160 | 0 | 0 | 4160 | 0 | 0 | 0 | 4160 |
When Admin sets the business date to "05 July 2023"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 September 2023 | 05 July 2023 | | | 2 | | |
Then Loan Repayment schedule has 4 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 July 2023 | | 4000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2023 | | 3000.0 | 1000.0 | 40.0 | 0.0 | 0.0 | 1040.0 | 0.0 | 0.0 | 0.0 | 1040.0 |
| 2 | 31 | 01 September 2023 | | 2000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 3 | 30 | 01 October 2023 | | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 4 | 31 | 01 November 2023 | | 0.0 | 1000.0 | 120.0 | 0.0 | 0.0 | 1120.0 | 0.0 | 0.0 | 0.0 | 1120.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 4000 | 160 | 0 | 0 | 4160 | 0 | 0 | 0 | 4160 |
@TestRailId:C2809
Scenario: Verify that loan is rescheduled properly in case of: multiple installments, new interest rate
When Admin sets the business date to "01 July 2023"
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 |
| LP1_INTEREST_FLAT | 01 July 2023 | 3000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "01 July 2023" with "3000" amount and expected disbursement date on "01 July 2023"
And Admin successfully disburse the loan on "01 July 2023" with "3000" 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 July 2023 | | 3000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2023 | | 2000.0 | 1000.0 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
| 2 | 31 | 01 September 2023 | | 1000.0 | 1000.0 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
| 3 | 30 | 01 October 2023 | | 0.0 | 1000.0 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 3000 | 90 | 0 | 0 | 3090 | 0 | 0 | 0 | 3090 |
When Admin sets the business date to "05 July 2023"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 September 2023 | 05 July 2023 | | | | | 6 |
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 July 2023 | | 3000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2023 | | 2000.0 | 1000.0 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 |
| 2 | 31 | 01 September 2023 | | 1000.0 | 1000.0 | 15.0 | 0.0 | 0.0 | 1015.0 | 0.0 | 0.0 | 0.0 | 1015.0 |
| 3 | 30 | 01 October 2023 | | 0.0 | 1000.0 | 15.0 | 0.0 | 0.0 | 1015.0 | 0.0 | 0.0 | 0.0 | 1015.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 3000 | 60 | 0 | 0 | 3060 | 0 | 0 | 0 | 3060 |
Then LoanRescheduledDueAdjustScheduleBusinessEvent is raised on "05 July 2023"
@TestRailId:C2996
Scenario: Verify that reschedule: add extra terms working properly with auto downpayment
When Admin sets the business date to "01 October 2023"
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_DOWNPAYMENT_AUTO | 01 October 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE |
And Admin successfully approves the loan on "01 October 2023" with "1000" amount and expected disbursement date on "01 October 2023"
When Admin successfully disburse the loan on "01 October 2023" with "1000" EUR transaction amount
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 16 October 2023 | 01 October 2023 | | | | 2 | |
Then Loan Repayment schedule has 6 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 October 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 October 2023 | 01 October 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 October 2023 | | 600.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
| 3 | 15 | 31 October 2023 | | 450.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
| 4 | 15 | 15 November 2023 | | 300.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
| 5 | 15 | 30 November 2023 | | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
| 6 | 15 | 15 December 2023 | | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
@TestRailId:C2997
Scenario: Verify that reschedule: add extra terms working properly with auto downpayment and 2nd disbursement before reschedule
When Admin sets the business date to "01 October 2023"
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_DOWNPAYMENT_AUTO | 01 October 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE |
And Admin successfully approves the loan on "01 October 2023" with "1000" amount and expected disbursement date on "01 October 2023"
When Admin successfully disburse the loan on "01 October 2023" with "1000" EUR transaction amount
When Admin sets the business date to "10 October 2023"
When Admin successfully disburse the loan on "10 October 2023" with "400" EUR transaction amount
When Admin sets the business date to "11 October 2023"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 16 October 2023 | 01 October 2023 | | | | 2 | |
Then Loan Repayment schedule has 7 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 October 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 October 2023 | 01 October 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| | | 10 October 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 0 | 10 October 2023 | 10 October 2023 | 1050.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 16 October 2023 | | 840.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 |
| 4 | 15 | 31 October 2023 | | 630.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 |
| 5 | 15 | 15 November 2023 | | 420.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 |
| 6 | 15 | 30 November 2023 | | 210.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 |
| 7 | 15 | 15 December 2023 | | 0.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1400.0 | 0.0 | 0.0 | 0.0 | 1400.0 | 350.0 | 0.0 | 0.0 | 1050.0 |
@TestRailId:C2998
Scenario: Verify that reschedule: add extra terms working properly with auto downpayment and 2nd disbursement after reschedule and first installment
When Admin sets the business date to "01 October 2023"
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_DOWNPAYMENT_AUTO | 01 October 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE |
And Admin successfully approves the loan on "01 October 2023" with "1000" amount and expected disbursement date on "01 October 2023"
When Admin successfully disburse the loan on "01 October 2023" with "1000" EUR transaction amount
When Admin sets the business date to "11 October 2023"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 16 October 2023 | 01 October 2023 | | | | 2 | |
When Admin sets the business date to "20 October 2023"
When Admin successfully disburse the loan on "20 October 2023" with "400" EUR transaction amount
Then Loan Repayment schedule has 7 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 October 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 October 2023 | 01 October 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 October 2023 | | 540.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 | 100.0 | 0.0 | 100.0 | 110.0 |
| | | 20 October 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 0 | 20 October 2023 | | 840.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 4 | 15 | 31 October 2023 | | 630.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 |
| 5 | 15 | 15 November 2023 | | 420.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 |
| 6 | 15 | 30 November 2023 | | 210.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 |
| 7 | 15 | 15 December 2023 | | 0.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 | 0.0 | 0.0 | 0.0 | 210.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1400.0 | 0.0 | 0.0 | 0.0 | 1400.0 | 350.0 | 0.0 | 100.0 | 1050.0 |
@TestRailId:C3022
Scenario: Verify that Payment Holiday (Reschedule with adjustedDueDate) works properly in case of loan schedule adjusted by 1 installment period after successful downpayment
When Admin sets the business date to "01 October 2023"
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_DOWNPAYMENT_AUTO | 01 October 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE |
And Admin successfully approves the loan on "01 October 2023" with "1000" amount and expected disbursement date on "01 October 2023"
When Admin successfully disburse the loan on "01 October 2023" with "1000" EUR transaction amount
When Admin sets the business date to "05 October 2023"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 16 October 2023 | 05 October 2023 | 31 October 2023 | | | | |
Then Loan Repayment schedule has 4 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 October 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 October 2023 | 01 October 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 30 | 31 October 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 15 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 30 November 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
@TestRailId:C3023
Scenario: Verify that Payment Holiday (Reschedule with adjustedDueDate) works properly in case of loan schedule adjusted by 2 installment period after successful downpayment
When Admin sets the business date to "01 October 2023"
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_DOWNPAYMENT_AUTO | 01 October 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE |
And Admin successfully approves the loan on "01 October 2023" with "1000" amount and expected disbursement date on "01 October 2023"
When Admin successfully disburse the loan on "01 October 2023" with "1000" EUR transaction amount
When Admin sets the business date to "05 October 2023"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 16 October 2023 | 05 October 2023 | 15 November 2023 | | | | |
Then Loan Repayment schedule has 4 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 October 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 October 2023 | 01 October 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 45 | 15 November 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 30 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 15 December 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
@TestRailId:C3024
Scenario: Verify that Payment Holiday (Reschedule with adjustedDueDate) works properly in case of loan schedule adjusted by 2 installment period while downpayment is still due
When Admin sets the business date to "01 October 2023"
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_DOWNPAYMENT | 01 October 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE |
And Admin successfully approves the loan on "01 October 2023" with "1000" amount and expected disbursement date on "01 October 2023"
When Admin successfully disburse the loan on "01 October 2023" with "1000" EUR transaction amount
When Admin sets the business date to "05 October 2023"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 16 October 2023 | 05 October 2023 | 15 November 2023 | | | | |
Then Loan Repayment schedule has 4 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 October 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 October 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 45 | 15 November 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 30 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 15 December 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
@TestRailId:C3025
Scenario: Verify that Payment Holiday (Reschedule with adjustedDueDate) works properly in case of loan schedule adjusted by 1 installment period after downpayment was reverted, fee added and downpayment paid by autopayment
When Admin sets the business date to "01 October 2023"
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_DOWNPAYMENT | 01 October 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE |
And Admin successfully approves the loan on "01 October 2023" with "1000" amount and expected disbursement date on "01 October 2023"
When Admin successfully disburse the loan on "01 October 2023" with "1000" EUR transaction amount
And Customer makes "AUTOPAY" repayment on "01 October 2023" with 250 EUR transaction amount
When Admin sets the business date to "02 October 2023"
When Customer undo "1"th repayment on "01 October 2023"
When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" due date and 15 EUR transaction amount
When Admin sets the business date to "03 October 2023"
And Customer makes "AUTOPAY" repayment on "03 October 2023" with 250 EUR transaction amount
When Admin sets the business date to "05 October 2023"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 16 October 2023 | 05 October 2023 | 31 October 2023 | | | | |
Then Loan Repayment schedule has 4 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 October 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 October 2023 | 03 October 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
| 2 | 30 | 31 October 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 15.0 | 265.0 | 0.0 | 0.0 | 0.0 | 265.0 |
| 3 | 15 | 15 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 30 November 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 15.0 | 1015.0 | 250.0 | 0.0 | 250.0 | 765.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 October 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
| 01 October 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | true |
| 03 October 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
@TestRailId:C3026
Scenario: Verify that Payment Holiday (Reschedule with adjustedDueDate) works properly in case of auto downpayment
When Admin sets the business date to "01 October 2023"
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_DOWNPAYMENT_AUTO | 01 October 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE |
And Admin successfully approves the loan on "01 October 2023" with "1000" amount and expected disbursement date on "01 October 2023"
When Admin successfully disburse the loan on "01 October 2023" with "1000" EUR transaction amount
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 16 October 2023 | 01 October 2023 | 31 October 2023 | | | | |
Then Loan Repayment schedule has 4 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 October 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 October 2023 | 01 October 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 30 | 31 October 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 15 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 30 November 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
@TestRailId:C3027
Scenario: Verify that Payment Holiday (Reschedule with adjustedDueDate) works properly in case of auto downpayment and 2nd disbursement before reschedule
When Admin sets the business date to "01 October 2023"
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_DOWNPAYMENT_AUTO | 01 October 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE |
And Admin successfully approves the loan on "01 October 2023" with "1000" amount and expected disbursement date on "01 October 2023"
When Admin successfully disburse the loan on "01 October 2023" with "1000" EUR transaction amount
When Admin sets the business date to "10 October 2023"
When Admin successfully disburse the loan on "10 October 2023" with "400" EUR transaction amount
When Admin sets the business date to "11 October 2023"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 16 October 2023 | 01 October 2023 | 31 October 2023 | | | | |
Then Loan Repayment schedule has 5 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 October 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 October 2023 | 01 October 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| | | 10 October 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 0 | 10 October 2023 | 10 October 2023 | 1050.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 3 | 30 | 31 October 2023 | | 700.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 |
| 4 | 15 | 15 November 2023 | | 350.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 |
| 5 | 15 | 30 November 2023 | | 0.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1400.0 | 0.0 | 0.0 | 0.0 | 1400.0 | 350.0 | 0.0 | 0.0 | 1050.0 |
@TestRailId:C3028
Scenario: Verify that Payment Holiday (Reschedule with adjustedDueDate) works properly in case of loan schedule adjusted by 1 installment period and 2 extra terms
When Admin sets the business date to "01 October 2023"
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_DOWNPAYMENT_AUTO | 01 October 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE |
And Admin successfully approves the loan on "01 October 2023" with "1000" amount and expected disbursement date on "01 October 2023"
When Admin successfully disburse the loan on "01 October 2023" with "1000" EUR transaction amount
When Admin sets the business date to "05 October 2023"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 16 October 2023 | 05 October 2023 | 31 October 2023 | | | 2 | |
Then Loan Repayment schedule has 6 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 October 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 October 2023 | 01 October 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 30 | 31 October 2023 | | 600.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
| 3 | 15 | 15 November 2023 | | 450.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
| 4 | 15 | 30 November 2023 | | 300.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
| 5 | 15 | 15 December 2023 | | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
| 6 | 15 | 30 December 2023 | | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
@TestRailId:C3029
Scenario: Verify that Payment Holiday (Reschedule with adjustedDueDate) works properly in case of loan schedule adjusted by 1 installment period and 1 grace on principal
When Admin sets the business date to "01 October 2023"
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_DOWNPAYMENT_AUTO | 01 October 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE |
And Admin successfully approves the loan on "01 October 2023" with "1000" amount and expected disbursement date on "01 October 2023"
When Admin successfully disburse the loan on "01 October 2023" with "1000" EUR transaction amount
When Admin sets the business date to "05 October 2023"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 16 October 2023 | 05 October 2023 | 31 October 2023 | 1 | | | |
Then Loan Repayment schedule has 5 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 October 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 October 2023 | 01 October 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 30 | 31 October 2023 | 01 October 2023 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 15 November 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 30 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 5 | 15 | 15 December 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
@TestRailId:C3030
Scenario: Verify that Payment Holiday (Reschedule with adjustedDueDate) gives error in case of charged-off loan
When Admin sets the business date to "01 October 2023"
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_DOWNPAYMENT_AUTO | 01 October 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE |
And Admin successfully approves the loan on "01 October 2023" with "1000" amount and expected disbursement date on "01 October 2023"
When Admin successfully disburse the loan on "01 October 2023" with "1000" EUR transaction amount
When Admin sets the business date to "03 October 2023"
And Admin does charge-off the loan on "03 October 2023"
When Admin sets the business date to "05 October 2023"
Then Loan reschedule with the following data results a 403 error and "LOAN_CHARGED_OFF" error message
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 16 October 2023 | 05 October 2023 | 31 October 2023 | 0 | 0 | 0 | 0 |
@TestRailId:C3033
Scenario: Verify that reschedule keeps the N+1 installment
When Admin sets the business date to "01 October 2023"
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_DOWNPAYMENT | 01 October 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE |
And Admin successfully approves the loan on "01 October 2023" with "1000" amount and expected disbursement date on "01 October 2023"
When Admin successfully disburse the loan on "01 October 2023" with "1000" EUR transaction amount
When Admin adds "LOAN_NSF_FEE" due date charge with "17 December 2023" due date and 20 EUR transaction amount
Then Loan Repayment schedule has 5 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 October 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 October 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 October 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 31 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 15 November 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 5 | 32 | 17 December 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 0.0 | 0.0 | 0.0 | 1020.0 |
When Admin sets the business date to "05 October 2023"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 16 October 2023 | 05 October 2023 | 31 October 2023 | | | | |
Then Loan Repayment schedule has 5 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 October 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 October 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 30 | 31 October 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 15 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 30 November 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 5 | 17 | 17 December 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 0.0 | 0.0 | 0.0 | 1020.0 |
@TestRailId:C3045 @AdvancedPaymentAllocation
Scenario: Verify that inline COB execution is taking place in case of a BatchAPI request of Loan reschedule creation and approval
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
When Admin sets the business date to "02 January 2024"
When Admin runs inline COB job for Loan
When Admin creates new user with "NO_BYPASS_AUTOTEST" username, "NO_BYPASS_AUTOTEST_ROLE" role name and given permissions:
| APPROVE_RESCHEDULELOAN |
| CREATE_RESCHEDULELOAN |
| READ_RESCHEDULELOAN |
| REJECT_RESCHEDULELOAN |
When Admin sets the business date to "10 January 2024"
When Batch API call with created user and with steps: rescheduleLoan from "16 January 2024" to "31 January 2024" submitted on date: "10 January 2024", approveReschedule on date: "10 January 2024" runs with enclosingTransaction: "true"
Then Admin checks that last closed business date of loan is "09 January 2024"
@TestRailId:C3048 @AdvancedPaymentAllocation
Scenario: Verify that in case of Loan is hard locked for COB execution WITH error message, BatchAPI request of Loan reschedule creation and approval can be done
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
When Admin sets the business date to "02 January 2024"
When Admin runs inline COB job for Loan
When Admin sets the business date to "10 January 2024"
When Admin places a lock on loan account with an error message
When Admin creates new user with "NO_BYPASS_AUTOTEST" username, "NO_BYPASS_AUTOTEST_ROLE" role name and given permissions:
| APPROVE_RESCHEDULELOAN |
| CREATE_RESCHEDULELOAN |
| READ_RESCHEDULELOAN |
| REJECT_RESCHEDULELOAN |
When Batch API call with created user and with steps: rescheduleLoan from "16 January 2024" to "31 January 2024" submitted on date: "10 January 2024", approveReschedule on date: "10 January 2024" runs with enclosingTransaction: "true"
@TestRailId:C3049 @AdvancedPaymentAllocation
Scenario: Verify that in case of Loan is hard locked for COB execution with error message, BatchAPI request of Loan reschedule creation and approval will result a 200 statuscode without error message
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
When Admin sets the business date to "02 January 2024"
When Admin runs inline COB job for Loan
When Admin sets the business date to "10 January 2024"
When Admin places a lock on loan account with an error message
When Admin creates new user with "NO_BYPASS_AUTOTEST" username, "NO_BYPASS_AUTOTEST_ROLE" role name and given permissions:
| APPROVE_RESCHEDULELOAN |
| CREATE_RESCHEDULELOAN |
| READ_RESCHEDULELOAN |
| REJECT_RESCHEDULELOAN |
When Batch API call with created user and the following data results a 200 statuscode WITHOUT error message:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | approvedOnDate | enclosingTransaction |
| 16 January 2024 | 10 January 2024 | 31 January 2024 | 10 January 2024 | true |
@TestRailId:C3318 @AdvancedPaymentAllocation
Scenario: Verify that in case of Loan is hard locked for COB execution WITHOUT error message, BatchAPI request of Loan reschedule creation and approval will result a 409 error and a LOAN_LOCKED_BY_COB error message
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
When Admin sets the business date to "02 January 2024"
When Admin runs inline COB job for Loan
When Admin sets the business date to "10 January 2024"
When Admin places a lock on loan account WITHOUT an error message
When Admin creates new user with "NO_BYPASS_AUTOTEST" username, "NO_BYPASS_AUTOTEST_ROLE" role name and given permissions:
| APPROVE_RESCHEDULELOAN |
| CREATE_RESCHEDULELOAN |
| READ_RESCHEDULELOAN |
| REJECT_RESCHEDULELOAN |
When Batch API call with created user and the following data results a 409 error and a "LOAN_LOCKED_BY_COB" error message:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | approvedOnDate | enclosingTransaction |
| 16 January 2024 | 10 January 2024 | 31 January 2024 | 10 January 2024 | true |
@TestRailId:C3388
Scenario: Verify that interest recalculation working in case one due date reschedule
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 February 2024 | 01 January 2024 | 01 March 2024 | | | | |
Then Loan Repayment schedule has 6 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 | 60 | 01 March 2024 | | 84.16 | 15.84 | 1.17 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 31 | 01 April 2024 | | 67.64 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 30 | 01 May 2024 | | 51.02 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 31 | 01 June 2024 | | 34.31 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 30 | 01 July 2024 | | 17.5 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 31 | 01 August 2024 | | 0.0 | 17.5 | 0.1 | 0.0 | 0.0 | 17.6 | 0.0 | 0.0 | 0.0 | 17.6 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.65 | 0.0 | 0.0 | 102.65 | 0.0 | 0.0 | 0.0 | 102.65 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
@TestRailId:C3389
Scenario: Verify that interest recalculation working in case two due date reschedules
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 February 2024 | 01 January 2024 | 01 March 2024 | | | | |
Then Loan Repayment schedule has 6 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 | 60 | 01 March 2024 | | 84.16 | 15.84 | 1.17 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 31 | 01 April 2024 | | 67.64 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 30 | 01 May 2024 | | 51.02 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 31 | 01 June 2024 | | 34.31 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 30 | 01 July 2024 | | 17.5 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 31 | 01 August 2024 | | 0.0 | 17.5 | 0.1 | 0.0 | 0.0 | 17.6 | 0.0 | 0.0 | 0.0 | 17.6 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.65 | 0.0 | 0.0 | 102.65 | 0.0 | 0.0 | 0.0 | 102.65 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 May 2024 | 15 April 2024 | 01 June 2024 | | | | |
Then Loan Repayment schedule has 6 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 | 60 | 01 March 2024 | | 84.16 | 15.84 | 1.17 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 31 | 01 April 2024 | | 67.64 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 61 | 01 June 2024 | | 51.42 | 16.22 | 0.79 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 July 2024 | | 34.71 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 August 2024 | | 17.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 31 | 01 September 2024 | | 0.0 | 17.9 | 0.1 | 0.0 | 0.0 | 18.0 | 0.0 | 0.0 | 0.0 | 18.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 3.05 | 0.0 | 0.0 | 103.05 | 0.0 | 0.0 | 0.0 | 103.05 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
@TestRailId:C3390
Scenario: Verify that interest recalculation working in case off due date reschedule
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 March 2024 | 15 February 2024 | 15 April 2024 | | | | |
Then Loan Repayment schedule has 6 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 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 74 | 15 April 2024 | | 67.76 | 15.81 | 1.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 30 | 15 May 2024 | | 51.15 | 16.61 | 0.4 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 31 | 15 June 2024 | | 34.44 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 30 | 15 July 2024 | | 17.63 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 31 | 15 August 2024 | | 0.0 | 17.63 | 0.1 | 0.0 | 0.0 | 17.73 | 0.0 | 0.0 | 0.0 | 17.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
@TestRailId:C3426
Scenario: Verify that interest recalculation working in case off due date reschedule, with dates for February
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 February 2024 | 01 January 2024 | 01 March 2024 | | | | |
Then Loan Repayment schedule has 6 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 | 60 | 01 March 2024 | | 84.16 | 15.84 | 1.17 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 31 | 01 April 2024 | | 67.64 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 30 | 01 May 2024 | | 51.02 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 31 | 01 June 2024 | | 34.31 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 30 | 01 July 2024 | | 17.5 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 31 | 01 August 2024 | | 0.0 | 17.5 | 0.1 | 0.0 | 0.0 | 17.6 | 0.0 | 0.0 | 0.0 | 17.6 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.65 | 0.0 | 0.0 | 102.65 | 0.0 | 0.0 | 0.0 | 102.65 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
@TestRailId:C3882
Scenario: Reschedule progressive loan to 0 percent interest then back to 10 percent
When Admin sets the business date to "1 January 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_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2024 | 100 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 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"
When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 83.67 | 16.33 | 0.83 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 2 | 29 | 01 March 2024 | | 67.21 | 16.46 | 0.7 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 3 | 31 | 01 April 2024 | | 50.61 | 16.6 | 0.56 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 4 | 30 | 01 May 2024 | | 33.87 | 16.74 | 0.42 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 5 | 31 | 01 June 2024 | | 16.99 | 16.88 | 0.28 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.14 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.93 | 0.0 | 0.0 | 102.93 | 0.0 | 0.0 | 0.0 | 102.93 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 January 2024 | 01 January 2024 | | | | | 0 |
Then Loan Repayment schedule has 6 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 | | 83.33 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 2 | 29 | 01 March 2024 | | 66.66 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 3 | 31 | 01 April 2024 | | 49.99 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 4 | 30 | 01 May 2024 | | 33.32 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 5 | 31 | 01 June 2024 | | 16.65 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.65 | 0.0 | 0.0 | 0.0 | 16.65 | 0.0 | 0.0 | 0.0 | 16.65 |
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 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 03 January 2024 | 01 January 2024 | | | | | 10 |
Then Loan Repayment schedule has 6 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 | | 83.66 | 16.34 | 0.81 | 0.0 | 0.0 | 17.15 | 0.0 | 0.0 | 0.0 | 17.15 |
| 2 | 29 | 01 March 2024 | | 67.21 | 16.45 | 0.7 | 0.0 | 0.0 | 17.15 | 0.0 | 0.0 | 0.0 | 17.15 |
| 3 | 31 | 01 April 2024 | | 50.62 | 16.59 | 0.56 | 0.0 | 0.0 | 17.15 | 0.0 | 0.0 | 0.0 | 17.15 |
| 4 | 30 | 01 May 2024 | | 33.89 | 16.73 | 0.42 | 0.0 | 0.0 | 17.15 | 0.0 | 0.0 | 0.0 | 17.15 |
| 5 | 31 | 01 June 2024 | | 17.02 | 16.87 | 0.28 | 0.0 | 0.0 | 17.15 | 0.0 | 0.0 | 0.0 | 17.15 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.02 | 0.14 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.91 | 0.0 | 0.0 | 102.91 | 0.0 | 0.0 | 0.0 | 102.91 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
@TestRailId:C3883
Scenario: Create progressive loan with 0 percent interest then to 10 percent after first period
When Admin sets the business date to "1 January 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_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2024 | 100 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 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"
When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 83.33 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 2 | 29 | 01 March 2024 | | 66.66 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 3 | 31 | 01 April 2024 | | 49.99 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 4 | 30 | 01 May 2024 | | 33.32 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 5 | 31 | 01 June 2024 | | 16.65 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.65 | 0.0 | 0.0 | 0.0 | 16.65 | 0.0 | 0.0 | 0.0 | 16.65 |
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 |
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 creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 February 2024 | 01 January 2024 | | | | | 10 |
Then Loan Repayment schedule has 6 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 | | 83.33 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 | 0.0 | 0.0 | 0.0 | 16.67 |
| 2 | 29 | 01 March 2024 | | 66.94 | 16.39 | 0.69 | 0.0 | 0.0 | 17.08 | 0.0 | 0.0 | 0.0 | 17.08 |
| 3 | 31 | 01 April 2024 | | 50.42 | 16.52 | 0.56 | 0.0 | 0.0 | 17.08 | 0.0 | 0.0 | 0.0 | 17.08 |
| 4 | 30 | 01 May 2024 | | 33.76 | 16.66 | 0.42 | 0.0 | 0.0 | 17.08 | 0.0 | 0.0 | 0.0 | 17.08 |
| 5 | 31 | 01 June 2024 | | 16.96 | 16.8 | 0.28 | 0.0 | 0.0 | 17.08 | 0.0 | 0.0 | 0.0 | 17.08 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.96 | 0.14 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 0.0 | 0.0 | 0.0 | 102.09 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
@TestRailId:C3885
Scenario: Verify reschedule progressive loan interest rate to 0 after partial repayments
When Admin sets the business date to "1 January 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_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2024 | 100 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 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"
When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "1 February 2024" with 17.16 EUR transaction amount
Then Loan Repayment schedule has 6 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 | 83.67 | 16.33 | 0.83 | 0.0 | 0.0 | 17.16 | 17.16 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.21 | 16.46 | 0.7 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 3 | 31 | 01 April 2024 | | 50.61 | 16.6 | 0.56 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 4 | 30 | 01 May 2024 | | 33.87 | 16.74 | 0.42 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 5 | 31 | 01 June 2024 | | 16.99 | 16.88 | 0.28 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.14 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.93 | 0.0 | 0.0 | 102.93 | 17.16 | 0.0 | 0.0 | 85.77 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.16 | 16.33 | 0.83 | 0.0 | 0.0 | 83.67 | false | false |
When Admin sets the business date to "15 February 2024"
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 8.58 EUR transaction amount
Then Loan Repayment schedule has 6 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 | 83.67 | 16.33 | 0.83 | 0.0 | 0.0 | 17.16 | 17.16 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.21 | 16.46 | 0.7 | 0.0 | 0.0 | 17.16 | 8.58 | 8.58 | 0.0 | 8.58 |
| 3 | 31 | 01 April 2024 | | 50.61 | 16.6 | 0.56 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 4 | 30 | 01 May 2024 | | 33.87 | 16.74 | 0.42 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 5 | 31 | 01 June 2024 | | 16.99 | 16.88 | 0.28 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.14 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.93 | 0.0 | 0.0 | 102.93 | 25.74 | 8.58 | 0.0 | 77.19 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.16 | 16.33 | 0.83 | 0.0 | 0.0 | 83.67 | false | false |
| 15 February 2024 | Repayment | 8.58 | 8.58 | 0.0 | 0.0 | 0.0 | 75.09 | false | false |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 16 February 2024 | 15 February 2024 | | | | | 0 |
Then Loan Repayment schedule has 6 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 | 83.67 | 16.33 | 0.83 | 0.0 | 0.0 | 17.16 | 17.16 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.21 | 16.46 | 0.34 | 0.0 | 0.0 | 16.8 | 8.58 | 8.58 | 0.0 | 8.22 |
| 3 | 31 | 01 April 2024 | | 50.41 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 4 | 30 | 01 May 2024 | | 33.61 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 5 | 31 | 01 June 2024 | | 16.81 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.81 | 0.0 | 0.0 | 0.0 | 16.81 | 0.0 | 0.0 | 0.0 | 16.81 |
Then 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 | 25.74 | 8.58 | 0.0 | 75.43 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.16 | 16.33 | 0.83 | 0.0 | 0.0 | 83.67 | false | false |
| 15 February 2024 | Repayment | 8.58 | 8.58 | 0.0 | 0.0 | 0.0 | 75.09 | false | false |
@TestRailId:C4126
Scenario: Verify rescheduling of progressive loan is allowed on the first day of 1st repayment schedule
When Admin sets the business date to "24 July 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 24 July 2025 | 500 | 35 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "24 July 2025" with "500" amount and expected disbursement date on "24 July 2025"
When Admin successfully disburse the loan on "24 July 2025" with "500" EUR transaction amount
Then Loan Repayment schedule has 6 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 |
| | | 24 July 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 24 August 2025 | | 422.54 | 77.46 | 14.58 | 0.0 | 0.0 | 92.04 | 0.0 | 0.0 | 0.0 | 92.04 |
| 2 | 31 | 24 September 2025 | | 342.82 | 79.72 | 12.32 | 0.0 | 0.0 | 92.04 | 0.0 | 0.0 | 0.0 | 92.04 |
| 3 | 30 | 24 October 2025 | | 260.78 | 82.04 | 10.0 | 0.0 | 0.0 | 92.04 | 0.0 | 0.0 | 0.0 | 92.04 |
| 4 | 31 | 24 November 2025 | | 176.35 | 84.43 | 7.61 | 0.0 | 0.0 | 92.04 | 0.0 | 0.0 | 0.0 | 92.04 |
| 5 | 30 | 24 December 2025 | | 89.45 | 86.9 | 5.14 | 0.0 | 0.0 | 92.04 | 0.0 | 0.0 | 0.0 | 92.04 |
| 6 | 31 | 24 January 2026 | | 0.0 | 89.45 | 2.61 | 0.0 | 0.0 | 92.06 | 0.0 | 0.0 | 0.0 | 92.06 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 52.26 | 0.0 | 0.0 | 552.26 | 0.0 | 0.0 | 0.0 | 552.26 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 July 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 24 July 2025 | 24 July 2025 | | | | | 5 |
Then Loan Repayment schedule has 6 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 |
| | | 24 July 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 24 August 2025 | | 417.53 | 82.47 | 2.08 | 0.0 | 0.0 | 84.55 | 0.0 | 0.0 | 0.0 | 84.55 |
| 2 | 31 | 24 September 2025 | | 334.72 | 82.81 | 1.74 | 0.0 | 0.0 | 84.55 | 0.0 | 0.0 | 0.0 | 84.55 |
| 3 | 30 | 24 October 2025 | | 251.56 | 83.16 | 1.39 | 0.0 | 0.0 | 84.55 | 0.0 | 0.0 | 0.0 | 84.55 |
| 4 | 31 | 24 November 2025 | | 168.06 | 83.5 | 1.05 | 0.0 | 0.0 | 84.55 | 0.0 | 0.0 | 0.0 | 84.55 |
| 5 | 30 | 24 December 2025 | | 84.21 | 83.85 | 0.7 | 0.0 | 0.0 | 84.55 | 0.0 | 0.0 | 0.0 | 84.55 |
| 6 | 31 | 24 January 2026 | | 0.0 | 84.21 | 0.35 | 0.0 | 0.0 | 84.56 | 0.0 | 0.0 | 0.0 | 84.56 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 7.31 | 0.0 | 0.0 | 507.31 | 0.0 | 0.0 | 0.0 | 507.31 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 July 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
Then LoanRescheduledDueAdjustScheduleBusinessEvent is raised on "24 July 2025"
@TestRailId:C4225
Scenario: Verify after backdated repayment, the last Accrual Activity transaction is reversed-replayed only once
When Admin sets the business date to "05 September 2025"
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_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_ACCRUAL_ACTIVITY | 31 December 2024 | 1111 | 24.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "31 December 2024" with "1111" amount and expected disbursement date on "31 December 2024"
And Admin successfully disburse the loan on "31 December 2024" with "1111" EUR transaction amount
And Customer makes "AUTOPAY" repayment on "31 January 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "28 February 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "31 March 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "30 April 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "30 May 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "29 June 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "31 July 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "31 August 2025" with 59.26 EUR transaction amount
When Admin sets the business date to "06 September 2025"
When Admin runs inline COB job for Loan
When Admin sets the business date to "11 September 2025"
When Customer undo "1"th "Repayment" transaction made on "31 August 2025"
When Admin sets the business date to "30 September 2025"
And Customer makes "AUTOPAY" repayment on "30 September 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "30 September 2025" with 59.26 EUR transaction amount
When Admin runs inline COB job for Loan
When Admin sets the business date to "10 October 2025"
When Customer undo "1"th "Repayment" transaction made on "30 September 2025"
When Customer undo "2"th "Repayment" transaction made on "30 September 2025"
When Admin sets the business date to "16 October 2025"
And Customer makes "AUTOPAY" repayment on "16 October 2025" with 60 EUR transaction amount
When Admin sets the business date to "31 October 2025"
And Customer makes "AUTOPAY" repayment on "31 October 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "31 October 2025" with 58.52 EUR transaction amount
When Admin runs inline COB job for Loan
When Admin sets the business date to "10 November 2025"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "29 June 2025" with 60 EUR transaction amount
Then In Loan Transactions the "1"th Transaction of "Accrual Activity" on "31 October 2025" has "1" relationship with type="REPLAYED"
Scenario: Verify progressive loan due date reschedule maintains EMI
When Admin sets the business date to "05 September 2025"
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_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_ACCRUAL_ACTIVITY | 31 December 2024 | 1111 | 24.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "31 December 2024" with "1111" amount and expected disbursement date on "31 December 2024"
And Admin successfully disburse the loan on "31 December 2024" with "1111" EUR transaction amount
And Customer makes "AUTOPAY" repayment on "31 January 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "28 February 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "31 March 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "30 April 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "30 May 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "29 June 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "31 July 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "31 August 2025" with 59.26 EUR transaction amount
When Admin sets the business date to "06 September 2025"
When Admin runs inline COB job for Loan
When Admin sets the business date to "11 September 2025"
When Customer undo "1"th "Repayment" transaction made on "31 August 2025"
When Admin sets the business date to "30 September 2025"
And Customer makes "AUTOPAY" repayment on "30 September 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "30 September 2025" with 59.26 EUR transaction amount
When Admin runs inline COB job for Loan
When Admin sets the business date to "10 October 2025"
When Customer undo "1"th "Repayment" transaction made on "30 September 2025"
When Customer undo "2"th "Repayment" transaction made on "30 September 2025"
When Admin sets the business date to "16 October 2025"
And Customer makes "AUTOPAY" repayment on "16 October 2025" with 60 EUR transaction amount
When Admin sets the business date to "31 October 2025"
And Customer makes "AUTOPAY" repayment on "31 October 2025" with 59.26 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "31 October 2025" with 58.52 EUR transaction amount
When Admin runs inline COB job for Loan
When Admin sets the business date to "10 November 2025"
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 31 December 2024 | | 1111.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 31 January 2025 | 31 January 2025 | 1075.32 | 35.68 | 23.58 | 0.0 | 0.0 | 59.26 | 59.26 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 28 February 2025 | 28 February 2025 | 1036.67 | 38.65 | 20.61 | 0.0 | 0.0 | 59.26 | 59.26 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 31 March 2025 | 31 March 2025 | 999.41 | 37.26 | 22.0 | 0.0 | 0.0 | 59.26 | 59.26 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 30 April 2025 | 30 April 2025 | 960.68 | 38.73 | 20.53 | 0.0 | 0.0 | 59.26 | 59.26 | 0.0 | 0.0 | 0.0 |
| 5 | 31 | 31 May 2025 | 30 May 2025 | 921.81 | 38.87 | 20.39 | 0.0 | 0.0 | 59.26 | 59.26 | 59.26 | 0.0 | 0.0 |
| 6 | 30 | 30 June 2025 | 29 June 2025 | 881.48 | 40.33 | 18.93 | 0.0 | 0.0 | 59.26 | 59.26 | 59.26 | 0.0 | 0.0 |
| 7 | 31 | 31 July 2025 | 31 July 2025 | 840.93 | 40.55 | 18.71 | 0.0 | 0.0 | 59.26 | 59.26 | 0.0 | 0.0 | 0.0 |
| 8 | 31 | 31 August 2025 | 16 October 2025 | 799.52 | 41.41 | 17.85 | 0.0 | 0.0 | 59.26 | 59.26 | 0.0 | 59.26 | 0.0 |
| 9 | 30 | 30 September 2025 | 31 October 2025 | 756.68 | 42.84 | 16.42 | 0.0 | 0.0 | 59.26 | 59.26 | 0.0 | 59.26 | 0.0 |
| 10 | 31 | 31 October 2025 | 31 October 2025 | 713.48 | 43.2 | 16.06 | 0.0 | 0.0 | 59.26 | 59.26 | 0.0 | 0.0 | 0.0 |
| 11 | 30 | 30 November 2025 | | 668.87 | 44.61 | 14.65 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 12 | 31 | 31 December 2025 | | 623.81 | 45.06 | 14.2 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 13 | 31 | 31 January 2026 | | 577.79 | 46.02 | 13.24 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 14 | 28 | 28 February 2026 | | 529.61 | 48.18 | 11.08 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 15 | 31 | 31 March 2026 | | 481.59 | 48.02 | 11.24 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 16 | 30 | 30 April 2026 | | 432.22 | 49.37 | 9.89 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 17 | 31 | 31 May 2026 | | 382.13 | 50.09 | 9.17 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 18 | 30 | 30 June 2026 | | 330.72 | 51.41 | 7.85 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 19 | 31 | 31 July 2026 | | 278.48 | 52.24 | 7.02 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 20 | 31 | 31 August 2026 | | 225.13 | 53.35 | 5.91 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 21 | 30 | 30 September 2026 | | 170.49 | 54.64 | 4.62 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 22 | 31 | 31 October 2026 | | 114.85 | 55.64 | 3.62 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 23 | 30 | 30 November 2026 | | 57.95 | 56.9 | 2.36 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 24 | 31 | 31 December 2026 | | 0.0 | 57.95 | 1.23 | 0.0 | 0.0 | 59.18 | 0.0 | 0.0 | 0.0 | 59.18 |
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 30 November 2025 | 10 November 2025 | 31 January 2026 | | | | |
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 31 December 2024 | | 1111.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 31 January 2025 | 31 January 2025 | 1075.32 | 35.68 | 23.58 | 0.0 | 0.0 | 59.26 | 59.26 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 28 February 2025 | 28 February 2025 | 1036.67 | 38.65 | 20.61 | 0.0 | 0.0 | 59.26 | 59.26 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 31 March 2025 | 31 March 2025 | 999.41 | 37.26 | 22.0 | 0.0 | 0.0 | 59.26 | 59.26 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 30 April 2025 | 30 April 2025 | 960.68 | 38.73 | 20.53 | 0.0 | 0.0 | 59.26 | 59.26 | 0.0 | 0.0 | 0.0 |
| 5 | 31 | 31 May 2025 | 30 May 2025 | 921.81 | 38.87 | 20.39 | 0.0 | 0.0 | 59.26 | 59.26 | 59.26 | 0.0 | 0.0 |
| 6 | 30 | 30 June 2025 | 29 June 2025 | 881.48 | 40.33 | 18.93 | 0.0 | 0.0 | 59.26 | 59.26 | 59.26 | 0.0 | 0.0 |
| 7 | 31 | 31 July 2025 | 31 July 2025 | 840.93 | 40.55 | 18.71 | 0.0 | 0.0 | 59.26 | 59.26 | 0.0 | 0.0 | 0.0 |
| 8 | 31 | 31 August 2025 | 16 October 2025 | 799.52 | 41.41 | 17.85 | 0.0 | 0.0 | 59.26 | 59.26 | 0.0 | 59.26 | 0.0 |
| 9 | 30 | 30 September 2025 | 31 October 2025 | 756.68 | 42.84 | 16.42 | 0.0 | 0.0 | 59.26 | 59.26 | 0.0 | 59.26 | 0.0 |
| 10 | 31 | 31 October 2025 | 31 October 2025 | 713.48 | 43.2 | 16.06 | 0.0 | 0.0 | 59.26 | 59.26 | 0.0 | 0.0 | 0.0 |
| 11 | 92 | 31 January 2026 | | 699.16 | 14.32 | 44.94 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 12 | 28 | 28 February 2026 | | 653.3 | 45.86 | 13.4 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 13 | 31 | 31 March 2026 | | 607.91 | 45.39 | 13.87 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 14 | 30 | 30 April 2026 | | 561.14 | 46.77 | 12.49 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 15 | 31 | 31 May 2026 | | 513.79 | 47.35 | 11.91 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 16 | 30 | 30 June 2026 | | 465.08 | 48.71 | 10.55 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 17 | 31 | 31 July 2026 | | 415.69 | 49.39 | 9.87 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 18 | 31 | 31 August 2026 | | 365.25 | 50.44 | 8.82 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 19 | 30 | 30 September 2026 | | 313.49 | 51.76 | 7.5 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 20 | 31 | 31 October 2026 | | 260.88 | 52.61 | 6.65 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 21 | 30 | 30 November 2026 | | 206.98 | 53.9 | 5.36 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 22 | 31 | 31 December 2026 | | 152.11 | 54.87 | 4.39 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 23 | 31 | 31 January 2027 | | 96.08 | 56.03 | 3.23 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 24 | 28 | 28 February 2027 | | 0.0 | 96.08 | 1.84 | 0.0 | 0.0 | 97.92 | 0.0 | 0.0 | 0.0 | 97.92 |
Scenario: Verify basic loan rescheduling
When Admin sets the business date to "1 January 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_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2024 | 100 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 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"
When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "1 February 2024" with 17.13 EUR transaction amount
Then Loan Repayment schedule has 6 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 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.13 | 0.0 | 0.0 | 85.65 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false |
When Admin sets the business date to "1 March 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 1 March 2024 | 1 March 2024 | 15 March 2024 | | | | |
Then Loan Repayment schedule has 6 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 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
| 2 | 43 | 15 March 2024 | | 67.49 | 16.17 | 0.96 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 3 | 31 | 15 April 2024 | | 50.89 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 4 | 30 | 15 May 2024 | | 34.16 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 5 | 31 | 15 June 2024 | | 17.3 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 6 | 30 | 15 July 2024 | | 0.0 | 17.3 | 0.14 | 0.0 | 0.0 | 17.44 | 0.0 | 0.0 | 0.0 | 17.44 |
Scenario: Verify loan rescheduling with N+1 period
When Admin sets the business date to "1 January 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_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2024 | 100 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 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"
When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "1 February 2024" with 17.13 EUR transaction amount
When Admin sets the business date to "15 July 2024"
And Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 July 2024" due date and 10 EUR transaction amount
Then Loan Repayment schedule has 7 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 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 7 | 14 | 15 July 2024 | | 0.0 | 0.0 | 0.0 | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.78 | 10.0 | 0.0 | 112.78 | 17.13 | 0.0 | 0.0 | 95.65 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false |
When Admin sets the business date to "1 March 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 1 March 2024 | 1 March 2024 | 30 March 2024 | | | | |
Then Loan Repayment schedule has 6 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 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
| 2 | 58 | 30 March 2024 | | 67.81 | 15.85 | 1.28 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 3 | 31 | 30 April 2024 | | 51.22 | 16.59 | 0.54 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 4 | 30 | 30 May 2024 | | 34.49 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 5 | 31 | 30 June 2024 | | 17.63 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 6 | 30 | 30 July 2024 | | 0.0 | 17.63 | 0.14 | 10.0 | 0.0 | 27.77 | 0.0 | 0.0 | 0.0 | 27.77 |
Scenario: Verify loan rescheduling with automatic down payment
When Admin sets the business date to "1 January 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_ADV_PYMNT_INTEREST_RECALCULATION_DAILY_EMI_360_30_MULTIDISBURSE_AUTO_DOWNPAYMENT | 1 January 2024 | 100 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 5 | MONTHS | 1 | MONTHS | 5 | 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"
When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 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 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
| 2 | 31 | 01 February 2024 | | 60.23 | 14.77 | 0.59 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
| 3 | 29 | 01 March 2024 | | 45.35 | 14.88 | 0.48 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
| 4 | 31 | 01 April 2024 | | 30.35 | 15.0 | 0.36 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
| 5 | 30 | 01 May 2024 | | 15.23 | 15.12 | 0.24 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
| 6 | 31 | 01 June 2024 | | 0.0 | 15.23 | 0.12 | 0.0 | 0.0 | 15.35 | 0.0 | 0.0 | 0.0 | 15.35 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.79 | 0.0 | 0.0 | 101.79 | 25.0 | 0.0 | 0.0 | 76.79 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false |
And Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "1 February 2024" with 15.36 EUR transaction amount
Then Loan Repayment schedule has 6 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 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
| 2 | 31 | 01 February 2024 | 01 February 2024 | 60.23 | 14.77 | 0.59 | 0.0 | 0.0 | 15.36 | 15.36 | 0.0 | 0.0 | 0.0 |
| 3 | 29 | 01 March 2024 | | 45.35 | 14.88 | 0.48 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
| 4 | 31 | 01 April 2024 | | 30.35 | 15.0 | 0.36 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
| 5 | 30 | 01 May 2024 | | 15.23 | 15.12 | 0.24 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
| 6 | 31 | 01 June 2024 | | 0.0 | 15.23 | 0.12 | 0.0 | 0.0 | 15.35 | 0.0 | 0.0 | 0.0 | 15.35 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.79 | 0.0 | 0.0 | 101.79 | 40.36 | 0.0 | 0.0 | 61.43 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false |
| 01 February 2024 | Repayment | 15.36 | 14.77 | 0.59 | 0.0 | 0.0 | 60.23 | false | false |
When Admin sets the business date to "1 March 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 1 March 2024 | 1 March 2024 | 15 March 2024 | | | | |
Then Loan Repayment schedule has 6 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 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
| 2 | 31 | 01 February 2024 | 01 February 2024 | 60.23 | 14.77 | 0.59 | 0.0 | 0.0 | 15.36 | 15.36 | 0.0 | 0.0 | 0.0 |
| 3 | 43 | 15 March 2024 | | 45.56 | 14.67 | 0.69 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
| 4 | 31 | 15 April 2024 | | 30.56 | 15.0 | 0.36 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
| 5 | 30 | 15 May 2024 | | 15.44 | 15.12 | 0.24 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
| 6 | 31 | 15 June 2024 | | 0.0 | 15.44 | 0.12 | 0.0 | 0.0 | 15.56 | 0.0 | 0.0 | 0.0 | 15.56 |
Reference in New Issue View Git Blame Copy Permalink