1986 lines
256 KiB
Gherkin
1986 lines
256 KiB
Gherkin
@LoanMigration
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Feature: Loan Migration
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@TestRailId:C3591
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Scenario: Verify backdated loan migration with transactions and single COB execution
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When Admin sets the business date to "07 April 2025"
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And Admin creates a client with random data
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When Admin creates a fully customized loan with the following data:
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| 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 |
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| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 10000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "01 January 2025" with "10000" amount and expected disbursement date on "01 January 2025"
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And Admin successfully disburse the loan on "01 January 2025" with "10000" EUR transaction amount
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Then Loan Repayment schedule has 4 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2025 | | 10000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2025 | | 7537.19 | 2462.81 | 100.0 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
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| 2 | 28 | 01 March 2025 | | 5074.38 | 2462.81 | 100.0 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
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| 3 | 31 | 01 April 2025 | | 2611.57 | 2462.81 | 100.0 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
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| 4 | 30 | 01 May 2025 | | 0.0 | 2611.57 | 40.89 | 0.0 | 0.0 | 2652.46 | 0.0 | 0.0 | 0.0 | 2652.46 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 10000.0 | 340.89 | 0 | 0 | 10340.89 | 0.0 | 0.0 | 0.0 | 10340.89 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 January 2025 | Disbursement | 10000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10000.0 | false | false |
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# Add backdated late payment fee (simulating a migrated charge)
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And Admin adds "LOAN_NSF_FEE" due date charge with "10 February 2025" due date and 50 EUR transaction amount
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Then Loan Charges tab has a given charge with the following data:
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| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
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| NSF fee | true | Specified due date | 10 February 2025 | Flat | 50.0 | 0.0 | 0.0 | 50.0 |
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# Make backdated partial repayment
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And Customer makes "AUTOPAY" repayment on "15 February 2025" with 2500 EUR transaction amount
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Then Loan Repayment schedule has 4 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2025 | | 10000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2025 | | 7537.19 | 2462.81 | 100.0 | 0.0 | 0.0 | 2562.81 | 2500.0 | 0.0 | 2500.0 | 62.81 |
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| 2 | 28 | 01 March 2025 | | 5062.38 | 2474.81 | 88.0 | 0.0 | 50.0 | 2612.81 | 0.0 | 0.0 | 0.0 | 2612.81 |
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| 3 | 31 | 01 April 2025 | | 2575.57 | 2486.81 | 76.0 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
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| 4 | 30 | 01 May 2025 | | 0.0 | 2575.57 | 35.8 | 0.0 | 0.0 | 2611.37 | 0.0 | 0.0 | 0.0 | 2611.37 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 10000.0 | 299.8 | 0.0 | 50.0 | 10349.80 | 2500.0 | 0.0 | 2500.0 | 7849.8 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 January 2025 | Disbursement | 10000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10000.0 | false | false |
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| 15 February 2025 | Repayment | 2500.0 | 2400.0 | 100.0 | 0.0 | 0.0 | 7600.0 | false | false |
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# Make backdated full repayment for the second installment
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And Customer makes "AUTOPAY" repayment on "15 March 2025" with 2612.81 EUR transaction amount
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# Verify loan transactions before COB
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Then Loan Repayment schedule has 4 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2025 | | 10000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2025 | 15 March 2025 | 7537.19 | 2462.81 | 100.0 | 0.0 | 0.0 | 2562.81 | 2562.81 | 0.0 | 2562.81 | 0.0 |
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| 2 | 28 | 01 March 2025 | | 5062.38 | 2474.81 | 88.0 | 0.0 | 50.0 | 2612.81 | 2550.0 | 0.0 | 2550.0 | 62.81 |
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| 3 | 31 | 01 April 2025 | | 2561.72 | 2500.66 | 62.15 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
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| 4 | 30 | 01 May 2025 | | 0.0 | 2561.72 | 30.64 | 0.0 | 0.0 | 2592.36 | 0.0 | 0.0 | 0.0 | 2592.36 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 10000.0 | 280.79 | 0.0 | 50.0 | 10330.79 | 5112.81 | 0.0 | 5112.81 | 5217.98 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 January 2025 | Disbursement | 10000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10000.0 | false | false |
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| 15 February 2025 | Repayment | 2500.0 | 2400.0 | 100.0 | 0.0 | 0.0 | 7600.0 | false | false |
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| 15 March 2025 | Repayment | 2612.81 | 2524.81 | 88.0 | 0.0 | 0.0 | 5075.19 | false | false |
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When Admin runs inline COB job for Loan
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# Verify accrual entries are created correctly
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Then Loan Repayment schedule has 4 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2025 | | 10000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2025 | 15 March 2025 | 7537.19 | 2462.81 | 100.0 | 0.0 | 0.0 | 2562.81 | 2562.81 | 0.0 | 2562.81 | 0.0 |
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| 2 | 28 | 01 March 2025 | | 5062.38 | 2474.81 | 88.0 | 0.0 | 50.0 | 2612.81 | 2550.0 | 0.0 | 2550.0 | 62.81 |
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| 3 | 31 | 01 April 2025 | | 2561.72 | 2500.66 | 62.15 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
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| 4 | 30 | 01 May 2025 | | 0.0 | 2561.72 | 30.64 | 0.0 | 0.0 | 2592.36 | 0.0 | 0.0 | 0.0 | 2592.36 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 10000.0 | 280.79 | 0.0 | 50.0 | 10330.79 | 5112.81 | 0.0 | 5112.81 | 5217.98 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 January 2025 | Disbursement | 10000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10000.0 | false | false |
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| 01 February 2025 | Accrual Activity | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | false | false |
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| 15 February 2025 | Repayment | 2500.0 | 2400.0 | 100.0 | 0.0 | 0.0 | 7600.0 | false | false |
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| 01 March 2025 | Accrual Activity | 138.0 | 0.0 | 88.0 | 0.0 | 50.0 | 0.0 | false | false |
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| 15 March 2025 | Repayment | 2612.81 | 2524.81 | 88.0 | 0.0 | 0.0 | 5075.19 | false | false |
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| 01 April 2025 | Accrual Activity | 62.15 | 0.0 | 62.15 | 0.0 | 0.0 | 0.0 | false | false |
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| 06 April 2025 | Accrual | 308.61 | 0.0 | 258.61 | 0.0 | 50.0 | 0.0 | false | false |
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# Verify loan charges are correctly recognized
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Then Loan Charges tab has a given charge with the following data:
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| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
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| NSF fee | true | Specified due date | 10 February 2025 | Flat | 50.0 | 0.0 | 0.0 | 50.0 |
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# Verify the loan is correctly marked as delinquent (overdue)
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Then Loan has 2625.62 total overdue amount
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# Verify last COB date is recorded
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Then Admin checks that last closed business date of loan is "06 April 2025"
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# Set business date forward two day to verify daily COB works correctly after migration
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When Admin sets the business date to "08 April 2025"
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And Admin runs inline COB job for Loan
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Then Loan Repayment schedule has 4 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2025 | | 10000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2025 | 15 March 2025 | 7537.19 | 2462.81 | 100.0 | 0.0 | 0.0 | 2562.81 | 2562.81 | 0.0 | 2562.81 | 0.0 |
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| 2 | 28 | 01 March 2025 | | 5062.38 | 2474.81 | 88.0 | 0.0 | 50.0 | 2612.81 | 2550.0 | 0.0 | 2550.0 | 62.81 |
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| 3 | 31 | 01 April 2025 | | 2561.72 | 2500.66 | 62.15 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
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| 4 | 30 | 01 May 2025 | | 0.0 | 2561.72 | 31.48 | 0.0 | 0.0 | 2593.2 | 0.0 | 0.0 | 0.0 | 2593.2 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 10000.0 | 281.63 | 0.0 | 50.0 | 10331.63 | 5112.81 | 0.0 | 5112.81 | 5218.82 |
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# Verify new accrual entry is created for the additional day
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 January 2025 | Disbursement | 10000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10000.0 | false | false |
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| 01 February 2025 | Accrual Activity | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | false | false |
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| 15 February 2025 | Repayment | 2500.0 | 2400.0 | 100.0 | 0.0 | 0.0 | 7600.0 | false | false |
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| 01 March 2025 | Accrual Activity | 138.0 | 0.0 | 88.0 | 0.0 | 50.0 | 0.0 | false | false |
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| 15 March 2025 | Repayment | 2612.81 | 2524.81 | 88.0 | 0.0 | 0.0 | 5075.19 | false | false |
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| 01 April 2025 | Accrual Activity | 62.15 | 0.0 | 62.15 | 0.0 | 0.0 | 0.0 | false | false |
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| 06 April 2025 | Accrual | 308.61 | 0.0 | 258.61 | 0.0 | 50.0 | 0.0 | false | false |
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| 07 April 2025 | Accrual | 1.69 | 0.0 | 1.69 | 0.0 | 0.0 | 0.0 | false | false |
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@TestRailId:C3592
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Scenario: Verify backdated loan with progressive repayment and accrual calculations
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When Admin sets the business date to "10 April 2025"
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And Admin creates a client with random data
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# Create, approve and disburse backdated loan - January 1, 2025 with 3-month term
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When Admin creates a fully customized loan with the following data:
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| 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 |
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| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_ACCRUAL_ACTIVITY | 01 January 2025 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "01 January 2025" with "100" amount and expected disbursement date on "01 January 2025"
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Then Loan Repayment schedule has 3 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2025 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
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| 1 | 31 | 01 February 2025 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
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| 2 | 28 | 01 March 2025 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
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| 3 | 31 | 01 April 2025 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
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And Admin successfully disburse the loan on "01 January 2025" with "100" EUR transaction amount
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Then Loan Repayment schedule has 3 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2025 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
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| 2 | 28 | 01 March 2025 | | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
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| 3 | 31 | 01 April 2025 | | 0.0 | 33.72 | 0.58 | 0.0 | 0.0 | 34.3 | 0.0 | 0.0 | 0.0 | 34.3 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 100.0 | 1.74 | 0.0 | 0.0 | 101.74 | 0.0 | 0.0 | 0.0 | 101.74 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
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# Make first repayment backdated to Feb 1, 2025
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And Customer makes "AUTOPAY" repayment on "01 February 2025" with 33.72 EUR transaction amount
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Then Loan Repayment schedule has 3 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2025 | 01 February 2025 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
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| 2 | 28 | 01 March 2025 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
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| 3 | 31 | 01 April 2025 | | 0.0 | 33.53 | 0.39 | 0.0 | 0.0 | 33.92 | 0.0 | 0.0 | 0.0 | 33.92 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 100.0 | 1.36 | 0.0 | 0.0 | 101.36 | 33.72 | 0.0 | 0.0 | 67.64 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
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| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
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| 01 February 2025 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 |
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# Make second repayment backdated to March 1, 2025
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And Customer makes "AUTOPAY" repayment on "01 March 2025" with 33.72 EUR transaction amount
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Then Loan Repayment schedule has 3 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2025 | 01 February 2025 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
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| 2 | 28 | 01 March 2025 | 01 March 2025 | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
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| 3 | 31 | 01 April 2025 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 100.0 | 1.17 | 0 | 0 | 101.17 | 67.44 | 0.0 | 0.0 | 33.73 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
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| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
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| 01 February 2025 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 |
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| 01 March 2025 | Repayment | 33.72 | 33.33 | 0.39 | 0.0 | 0.0 | 33.53 |
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# Run inline COB to generate accrual transactions
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When Admin sets the business date to "10 April 2025"
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When Admin runs inline COB job for Loan
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Then Loan Repayment schedule has 3 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2025 | 01 February 2025 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
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| 2 | 28 | 01 March 2025 | 01 March 2025 | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
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| 3 | 31 | 01 April 2025 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 100.0 | 1.17 | 0 | 0 | 101.17 | 67.44 | 0.0 | 0.0 | 33.73 |
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# Verify that accrual transactions are created
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
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| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
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| 01 February 2025 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 |
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| 01 February 2025 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 |
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| 01 March 2025 | Repayment | 33.72 | 33.33 | 0.39 | 0.0 | 0.0 | 33.53 |
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| 01 March 2025 | Accrual Activity | 0.39 | 0.0 | 0.39 | 0.0 | 0.0 | 0.0 |
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| 01 April 2025 | Accrual | 1.17 | 0.0 | 1.17 | 0.0 | 0.0 | 0.0 |
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| 01 April 2025 | Accrual Activity | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 |
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# Verify the loan is correctly marked as delinquent (overdue) because last installment is due
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Then Loan has 33.73 total overdue amount
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# Verify last COB date is recorded
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Then Admin checks that last closed business date of loan is "09 April 2025"
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@TestRailId:C3593
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Scenario: Verify backdated loan migration with single disbursement and final COB execution
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When Admin sets the business date to "10 April 2025"
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And Admin creates a client with random data
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# Create, approve and disburse backdated loan
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When Admin creates a fully customized loan with the following data:
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| 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 |
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| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_ACCRUAL_ACTIVITY | 01 January 2025 | 5000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2025" with "5000" amount and expected disbursement date on "01 January 2025"
|
|
And Admin successfully disburse the loan on "01 January 2025" with "5000" EUR transaction amount
|
|
# Verify initial loan schedule (should show overdue periods)
|
|
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 January 2025 | | 5000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 3768.59 | 1231.41 | 50.0 | 0.0 | 0.0 | 1281.41 | 0.0 | 0.0 | 0.0 | 1281.41 |
|
|
| 2 | 28 | 01 March 2025 | | 2537.18 | 1231.41 | 50.0 | 0.0 | 0.0 | 1281.41 | 0.0 | 0.0 | 0.0 | 1281.41 |
|
|
| 3 | 31 | 01 April 2025 | | 1305.77 | 1231.41 | 50.0 | 0.0 | 0.0 | 1281.41 | 0.0 | 0.0 | 0.0 | 1281.41 |
|
|
| 4 | 30 | 01 May 2025 | | 0.0 | 1305.77 | 24.14 | 0.0 | 0.0 | 1329.91 | 0.0 | 0.0 | 0.0 | 1329.91 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 5000.0 | 174.14 | 0.0 | 0.0 | 5174.14 | 0.0 | 0.0 | 0.0 | 5174.14 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2025 | Disbursement | 5000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5000.0 |
|
|
# Run single COB (inline COB as in migration final day)
|
|
When Admin runs inline COB job for Loan
|
|
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 January 2025 | | 5000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 3768.59 | 1231.41 | 50.0 | 0.0 | 0.0 | 1281.41 | 0.0 | 0.0 | 0.0 | 1281.41 |
|
|
| 2 | 28 | 01 March 2025 | | 2537.18 | 1231.41 | 50.0 | 0.0 | 0.0 | 1281.41 | 0.0 | 0.0 | 0.0 | 1281.41 |
|
|
| 3 | 31 | 01 April 2025 | | 1305.77 | 1231.41 | 50.0 | 0.0 | 0.0 | 1281.41 | 0.0 | 0.0 | 0.0 | 1281.41 |
|
|
| 4 | 30 | 01 May 2025 | | 0.0 | 1305.77 | 24.14 | 0.0 | 0.0 | 1329.91 | 0.0 | 0.0 | 0.0 | 1329.91 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 5000.0 | 174.14 | 0.0 | 0.0 | 5174.14 | 0.0 | 0.0 | 0.0 | 5174.14 |
|
|
# Verify accrual entries are created correctly
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 5000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5000.0 | false | false |
|
|
| 01 February 2025 | Accrual Activity | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2025 | Accrual Activity | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 April 2025 | Accrual Activity | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 163.33 | 0.0 | 163.33 | 0.0 | 0.0 | 0.0 | false | false |
|
|
# Verify the loan is correctly marked as delinquent (overdue)
|
|
Then Loan has 3844.23 total overdue amount
|
|
And Admin checks that last closed business date of loan is "09 April 2025"
|
|
# Set business date forward one day to verify daily COB works correctly after migration
|
|
When Admin sets the business date to "11 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
# Verify new accrual entry is created for the additional day
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 5000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5000.0 | false | false |
|
|
| 01 February 2025 | Accrual Activity | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2025 | Accrual Activity | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 April 2025 | Accrual Activity | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 163.33 | 0.0 | 163.33 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 1.67 | 0.0 | 1.67 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
@TestRailId:C3594
|
|
Scenario: Verify backdated loan migration with late payments and final COB execution
|
|
When Admin sets the business date to "10 April 2025"
|
|
And Admin creates a client with random data
|
|
# Create, approve and disburse backdated loan
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 February 2025 | 3000 | 9.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 February 2025" with "3000" amount and expected disbursement date on "01 February 2025"
|
|
And Admin successfully disburse the loan on "01 February 2025" with "3000" 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 February 2025 | | 3000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 28 | 01 March 2025 | | 2510.31 | 489.69 | 24.98 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 2 | 31 | 01 April 2025 | | 2020.62 | 489.69 | 24.98 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 3 | 30 | 01 May 2025 | | 1525.22 | 495.4 | 19.27 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 4 | 31 | 01 June 2025 | | 1023.25 | 501.97 | 12.7 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 5 | 30 | 01 July 2025 | | 517.1 | 506.15 | 8.52 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 6 | 31 | 01 August 2025 | | 0.0 | 517.1 | 4.3 | 0.0 | 0.0 | 521.4 | 0.0 | 0.0 | 0.0 | 521.4 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 3000.0 | 94.75 | 0.0 | 0.0 | 3094.75 | 0.0 | 0.0 | 0.0 | 3094.75 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 February 2025 | Disbursement | 3000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3000.0 |
|
|
# Make backdated late payment for first installment
|
|
And Customer makes "AUTOPAY" repayment on "25 March 2025" with 514.50 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 February 2025 | | 3000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 28 | 01 March 2025 | | 2510.31 | 489.69 | 24.98 | 0.0 | 0.0 | 514.67 | 514.5 | 0.0 | 514.5 | 0.17 |
|
|
| 2 | 31 | 01 April 2025 | | 2019.69 | 490.62 | 24.05 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 3 | 30 | 01 May 2025 | | 1523.06 | 496.63 | 18.04 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 4 | 31 | 01 June 2025 | | 1021.07 | 501.99 | 12.68 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 5 | 30 | 01 July 2025 | | 514.9 | 506.17 | 8.5 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 6 | 31 | 01 August 2025 | | 0.0 | 514.9 | 4.29 | 0.0 | 0.0 | 519.19 | 0.0 | 0.0 | 0.0 | 519.19 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 3000.0 | 92.54 | 0.0 | 0.0 | 3092.54 | 514.5 | 0.0 | 514.5 | 2578.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 February 2025 | Disbursement | 3000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3000.0 |
|
|
| 25 March 2025 | Repayment | 514.5 | 489.52 | 24.98 | 0.0 | 0.0 | 2510.48 |
|
|
# Make backdated on-time payments for subsequent installments
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2025" with 514.50 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 February 2025 | | 3000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 28 | 01 March 2025 | 01 April 2025 | 2510.31 | 489.69 | 24.98 | 0.0 | 0.0 | 514.67 | 514.67 | 0.0 | 514.67 | 0.0 |
|
|
| 2 | 31 | 01 April 2025 | | 2019.69 | 490.62 | 24.05 | 0.0 | 0.0 | 514.67 | 514.33 | 0.0 | 0.0 | 0.34 |
|
|
| 3 | 30 | 01 May 2025 | | 1521.83 | 497.86 | 16.81 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 4 | 31 | 01 June 2025 | | 1019.83 | 502.0 | 12.67 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 5 | 30 | 01 July 2025 | | 513.65 | 506.18 | 8.49 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 6 | 31 | 01 August 2025 | | 0.0 | 513.65 | 4.28 | 0.0 | 0.0 | 517.93 | 0.0 | 0.0 | 0.0 | 517.93 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 3000.0 | 91.28 | 0.0 | 0.0 | 3091.28 | 1029.0 | 0.0 | 514.67 | 2062.28 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 February 2025 | Disbursement | 3000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3000.0 |
|
|
| 25 March 2025 | Repayment | 514.5 | 489.52 | 24.98 | 0.0 | 0.0 | 2510.48 |
|
|
| 01 April 2025 | Repayment | 514.5 | 490.45 | 24.05 | 0.0 | 0.0 | 2020.03 |
|
|
When Admin sets the business date to "01 May 2025"
|
|
And Customer makes "AUTOPAY" repayment on "01 May 2025" with 514.50 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 February 2025 | | 3000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 28 | 01 March 2025 | 01 April 2025 | 2510.31 | 489.69 | 24.98 | 0.0 | 0.0 | 514.67 | 514.67 | 0.0 | 514.67 | 0.0 |
|
|
| 2 | 31 | 01 April 2025 | 01 May 2025 | 2019.69 | 490.62 | 24.05 | 0.0 | 0.0 | 514.67 | 514.67 | 0.0 | 0.34 | 0.0 |
|
|
| 3 | 30 | 01 May 2025 | | 1521.84 | 497.85 | 16.82 | 0.0 | 0.0 | 514.67 | 514.16 | 0.0 | 0.0 | 0.51 |
|
|
| 4 | 31 | 01 June 2025 | | 1019.84 | 502.0 | 12.67 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 5 | 30 | 01 July 2025 | | 513.66 | 506.18 | 8.49 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 6 | 31 | 01 August 2025 | | 0.0 | 513.66 | 4.28 | 0.0 | 0.0 | 517.94 | 0.0 | 0.0 | 0.0 | 517.94 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 3000.0 | 91.29 | 0.0 | 0.0 | 3091.29 | 1543.5 | 0.0 | 515.01 | 1547.79 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 February 2025 | Disbursement | 3000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3000.0 |
|
|
| 25 March 2025 | Repayment | 514.5 | 489.52 | 24.98 | 0.0 | 0.0 | 2510.48 |
|
|
| 01 April 2025 | Repayment | 514.5 | 490.45 | 24.05 | 0.0 | 0.0 | 2020.03 |
|
|
| 01 May 2025 | Repayment | 514.5 | 497.68 | 16.82 | 0.0 | 0.0 | 1522.35 |
|
|
# Run single COB (inline COB as in migration final day)
|
|
When Admin runs inline COB job for Loan
|
|
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 February 2025 | | 3000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 28 | 01 March 2025 | 01 April 2025 | 2510.31 | 489.69 | 24.98 | 0.0 | 0.0 | 514.67 | 514.67 | 0.0 | 514.67 | 0.0 |
|
|
| 2 | 31 | 01 April 2025 | 01 May 2025 | 2019.69 | 490.62 | 24.05 | 0.0 | 0.0 | 514.67 | 514.67 | 0.0 | 0.34 | 0.0 |
|
|
| 3 | 30 | 01 May 2025 | | 1521.84 | 497.85 | 16.82 | 0.0 | 0.0 | 514.67 | 514.16 | 0.0 | 0.0 | 0.51 |
|
|
| 4 | 31 | 01 June 2025 | | 1019.84 | 502.0 | 12.67 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 5 | 30 | 01 July 2025 | | 513.66 | 506.18 | 8.49 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 6 | 31 | 01 August 2025 | | 0.0 | 513.66 | 4.28 | 0.0 | 0.0 | 517.94 | 0.0 | 0.0 | 0.0 | 517.94 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 3000.0 | 91.29 | 0.0 | 0.0 | 3091.29 | 1543.5 | 0.0 | 515.01 | 1547.79 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 February 2025 | Disbursement | 3000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3000.0 | false | false |
|
|
| 01 March 2025 | Accrual Activity | 24.98 | 0.0 | 24.98 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 March 2025 | Repayment | 514.5 | 489.52 | 24.98 | 0.0 | 0.0 | 2510.48 | false | false |
|
|
| 01 April 2025 | Repayment | 514.5 | 490.45 | 24.05 | 0.0 | 0.0 | 2020.03 | false | false |
|
|
| 01 April 2025 | Accrual Activity | 24.05 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 April 2025 | Accrual | 65.29 | 0.0 | 65.29 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 May 2025 | Repayment | 514.5 | 497.68 | 16.82 | 0.0 | 0.0 | 1522.35 | false | false |
|
|
# Verify loan status and last closed business date
|
|
Then Admin checks that last closed business date of loan is "30 April 2025"
|
|
And Loan status will be "ACTIVE"
|
|
# Set business date forward one day to verify daily COB works correctly after migration
|
|
When Admin sets the business date to "02 May 2025"
|
|
And Admin runs inline COB job for Loan
|
|
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 February 2025 | | 3000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 28 | 01 March 2025 | 01 April 2025 | 2510.31 | 489.69 | 24.98 | 0.0 | 0.0 | 514.67 | 514.67 | 0.0 | 514.67 | 0.0 |
|
|
| 2 | 31 | 01 April 2025 | 01 May 2025 | 2019.69 | 490.62 | 24.05 | 0.0 | 0.0 | 514.67 | 514.67 | 0.0 | 0.34 | 0.0 |
|
|
| 3 | 30 | 01 May 2025 | | 1521.84 | 497.85 | 16.82 | 0.0 | 0.0 | 514.67 | 514.16 | 0.0 | 0.0 | 0.51 |
|
|
| 4 | 31 | 01 June 2025 | | 1019.84 | 502.0 | 12.67 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 5 | 30 | 01 July 2025 | | 513.66 | 506.18 | 8.49 | 0.0 | 0.0 | 514.67 | 0.0 | 0.0 | 0.0 | 514.67 |
|
|
| 6 | 31 | 01 August 2025 | | 0.0 | 513.66 | 4.28 | 0.0 | 0.0 | 517.94 | 0.0 | 0.0 | 0.0 | 517.94 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 3000.0 | 91.29 | 0.0 | 0.0 | 3091.29 | 1543.5 | 0.0 | 515.01 | 1547.79 |
|
|
# Verify new accrual entry is created for the additional day
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 February 2025 | Disbursement | 3000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3000.0 | false | false |
|
|
| 01 March 2025 | Accrual Activity | 24.98 | 0.0 | 24.98 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 March 2025 | Repayment | 514.5 | 489.52 | 24.98 | 0.0 | 0.0 | 2510.48 | false | false |
|
|
| 01 April 2025 | Repayment | 514.5 | 490.45 | 24.05 | 0.0 | 0.0 | 2020.03 | false | false |
|
|
| 01 April 2025 | Accrual Activity | 24.05 | 0.0 | 24.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 April 2025 | Accrual | 65.29 | 0.0 | 65.29 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 May 2025 | Repayment | 514.5 | 497.68 | 16.82 | 0.0 | 0.0 | 1522.35 | false | false |
|
|
| 01 May 2025 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 May 2025 | Accrual Activity | 16.82 | 0.0 | 16.82 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
@TestRailId:C3595
|
|
Scenario: Verify backdated loan migration with early payments and final COB execution
|
|
When Admin sets the business date to "10 April 2025"
|
|
And Admin creates a client with random data
|
|
# Create, approve and disburse backdated loan
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 06 February 2025 | 2600 | 9.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "06 February 2025" with "2600" amount and expected disbursement date on "06 February 2025"
|
|
And Admin successfully disburse the loan on "06 February 2025" with "2600" 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 |
|
|
| | | 06 February 2025 | | 2600.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 28 | 06 March 2025 | | 2175.59 | 424.41 | 21.64 | 0.0 | 0.0 | 446.05 | 0.0 | 0.0 | 0.0 | 446.05 |
|
|
| 2 | 31 | 06 April 2025 | | 1751.18 | 424.41 | 21.64 | 0.0 | 0.0 | 446.05 | 0.0 | 0.0 | 0.0 | 446.05 |
|
|
| 3 | 30 | 06 May 2025 | | 1320.65 | 430.53 | 15.52 | 0.0 | 0.0 | 446.05 | 0.0 | 0.0 | 0.0 | 446.05 |
|
|
| 4 | 31 | 06 June 2025 | | 885.59 | 435.06 | 10.99 | 0.0 | 0.0 | 446.05 | 0.0 | 0.0 | 0.0 | 446.05 |
|
|
| 5 | 30 | 06 July 2025 | | 446.91 | 438.68 | 7.37 | 0.0 | 0.0 | 446.05 | 0.0 | 0.0 | 0.0 | 446.05 |
|
|
| 6 | 31 | 06 August 2025 | | 0.0 | 446.91 | 3.72 | 0.0 | 0.0 | 450.63 | 0.0 | 0.0 | 0.0 | 450.63 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 2600.0 | 80.88 | 0.0 | 0.0 | 2680.88 | 0.0 | 0.0 | 0.0 | 2680.88 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 06 February 2025 | Disbursement | 2600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2600.0 |
|
|
# Make backdated regular payments for first few installments
|
|
And Customer makes "AUTOPAY" repayment on "06 March 2025" with 445.81 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 |
|
|
| | | 06 February 2025 | | 2600.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 28 | 06 March 2025 | | 2175.59 | 424.41 | 21.64 | 0.0 | 0.0 | 446.05 | 445.81 | 0.0 | 0.0 | 0.24 |
|
|
| 2 | 31 | 06 April 2025 | | 1747.65 | 427.94 | 18.11 | 0.0 | 0.0 | 446.05 | 0.0 | 0.0 | 0.0 | 446.05 |
|
|
| 3 | 30 | 06 May 2025 | | 1316.62 | 431.03 | 15.02 | 0.0 | 0.0 | 446.05 | 0.0 | 0.0 | 0.0 | 446.05 |
|
|
| 4 | 31 | 06 June 2025 | | 881.53 | 435.09 | 10.96 | 0.0 | 0.0 | 446.05 | 0.0 | 0.0 | 0.0 | 446.05 |
|
|
| 5 | 30 | 06 July 2025 | | 442.82 | 438.71 | 7.34 | 0.0 | 0.0 | 446.05 | 0.0 | 0.0 | 0.0 | 446.05 |
|
|
| 6 | 31 | 06 August 2025 | | 0.0 | 442.82 | 3.69 | 0.0 | 0.0 | 446.51 | 0.0 | 0.0 | 0.0 | 446.51 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 2600.0 | 76.76 | 0.0 | 0.0 | 2676.76 | 445.81 | 0.0 | 0.0 | 2230.95 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 06 February 2025 | Disbursement | 2600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2600.0 |
|
|
| 06 March 2025 | Repayment | 445.81 | 424.17 | 21.64 | 0.0 | 0.0 | 2175.83 |
|
|
And Customer makes "AUTOPAY" repayment on "06 April 2025" with 445.81 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 |
|
|
| | | 06 February 2025 | | 2600.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 28 | 06 March 2025 | 06 April 2025 | 2175.59 | 424.41 | 21.64 | 0.0 | 0.0 | 446.05 | 446.05 | 0.0 | 0.24 | 0.0 |
|
|
| 2 | 31 | 06 April 2025 | | 1747.65 | 427.94 | 18.11 | 0.0 | 0.0 | 446.05 | 445.57 | 0.0 | 0.0 | 0.48 |
|
|
| 3 | 30 | 06 May 2025 | | 1316.15 | 431.5 | 14.55 | 0.0 | 0.0 | 446.05 | 0.0 | 0.0 | 0.0 | 446.05 |
|
|
| 4 | 31 | 06 June 2025 | | 881.06 | 435.09 | 10.96 | 0.0 | 0.0 | 446.05 | 0.0 | 0.0 | 0.0 | 446.05 |
|
|
| 5 | 30 | 06 July 2025 | | 442.34 | 438.72 | 7.33 | 0.0 | 0.0 | 446.05 | 0.0 | 0.0 | 0.0 | 446.05 |
|
|
| 6 | 31 | 06 August 2025 | | 0.0 | 442.34 | 3.68 | 0.0 | 0.0 | 446.02 | 0.0 | 0.0 | 0.0 | 446.02 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 2600.0 | 76.27 | 0.0 | 0.0 | 2676.27 | 891.62 | 0.0 | 0.24 | 1784.65 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 06 February 2025 | Disbursement | 2600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2600.0 |
|
|
| 06 March 2025 | Repayment | 445.81 | 424.17 | 21.64 | 0.0 | 0.0 | 2175.83 |
|
|
| 06 April 2025 | Repayment | 445.81 | 427.7 | 18.11 | 0.0 | 0.0 | 1748.13 |
|
|
# Make backdated advance/early payment covering two installments
|
|
When Admin sets the business date to "06 June 2025"
|
|
And Customer makes "AUTOPAY" repayment on "06 June 2025" with 891.62 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 |
|
|
| | | 06 February 2025 | | 2600.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 28 | 06 March 2025 | 06 April 2025 | 2175.59 | 424.41 | 21.64 | 0.0 | 0.0 | 446.05 | 446.05 | 0.0 | 0.24 | 0.0 |
|
|
| 2 | 31 | 06 April 2025 | 06 June 2025 | 1747.65 | 427.94 | 18.11 | 0.0 | 0.0 | 446.05 | 446.05 | 0.0 | 0.48 | 0.0 |
|
|
| 3 | 30 | 06 May 2025 | 06 June 2025 | 1316.15 | 431.5 | 14.55 | 0.0 | 0.0 | 446.05 | 446.05 | 0.0 | 446.05 | 0.0 |
|
|
| 4 | 31 | 06 June 2025 | | 884.65 | 431.5 | 14.55 | 0.0 | 0.0 | 446.05 | 445.09 | 0.0 | 0.0 | 0.96 |
|
|
| 5 | 30 | 06 July 2025 | | 445.96 | 438.69 | 7.36 | 0.0 | 0.0 | 446.05 | 0.0 | 0.0 | 0.0 | 446.05 |
|
|
| 6 | 31 | 06 August 2025 | | 0.0 | 445.96 | 3.71 | 0.0 | 0.0 | 449.67 | 0.0 | 0.0 | 0.0 | 449.67 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 2600.0 | 79.92 | 0.0 | 0.0 | 2679.92 | 1783.24 | 0.0 | 446.77 | 896.68 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 06 February 2025 | Disbursement | 2600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2600.0 |
|
|
| 06 March 2025 | Repayment | 445.81 | 424.17 | 21.64 | 0.0 | 0.0 | 2175.83 |
|
|
| 06 April 2025 | Repayment | 445.81 | 427.7 | 18.11 | 0.0 | 0.0 | 1748.13 |
|
|
| 06 June 2025 | Repayment | 891.62 | 862.52 | 29.1 | 0.0 | 0.0 | 885.61 |
|
|
# Run single COB (inline COB as in migration final day)
|
|
When Admin runs inline COB job for Loan
|
|
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 |
|
|
| | | 06 February 2025 | | 2600.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 28 | 06 March 2025 | 06 April 2025 | 2175.59 | 424.41 | 21.64 | 0.0 | 0.0 | 446.05 | 446.05 | 0.0 | 0.24 | 0.0 |
|
|
| 2 | 31 | 06 April 2025 | 06 June 2025 | 1747.65 | 427.94 | 18.11 | 0.0 | 0.0 | 446.05 | 446.05 | 0.0 | 0.48 | 0.0 |
|
|
| 3 | 30 | 06 May 2025 | 06 June 2025 | 1316.15 | 431.5 | 14.55 | 0.0 | 0.0 | 446.05 | 446.05 | 0.0 | 446.05 | 0.0 |
|
|
| 4 | 31 | 06 June 2025 | | 884.65 | 431.5 | 14.55 | 0.0 | 0.0 | 446.05 | 445.09 | 0.0 | 0.0 | 0.96 |
|
|
| 5 | 30 | 06 July 2025 | | 445.96 | 438.69 | 7.36 | 0.0 | 0.0 | 446.05 | 0.0 | 0.0 | 0.0 | 446.05 |
|
|
| 6 | 31 | 06 August 2025 | | 0.0 | 445.96 | 3.71 | 0.0 | 0.0 | 449.67 | 0.0 | 0.0 | 0.0 | 449.67 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 2600.0 | 79.92 | 0.0 | 0.0 | 2679.92 | 1783.24 | 0.0 | 446.77 | 896.68 |
|
|
# Verify accrual entries are created correctly
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 06 February 2025 | Disbursement | 2600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2600.0 | false | false |
|
|
| 06 March 2025 | Repayment | 445.81 | 424.17 | 21.64 | 0.0 | 0.0 | 2175.83 | false | false |
|
|
| 06 March 2025 | Accrual Activity | 21.64 | 0.0 | 21.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Repayment | 445.81 | 427.7 | 18.11 | 0.0 | 0.0 | 1748.13 | false | false |
|
|
| 06 April 2025 | Accrual Activity | 18.11 | 0.0 | 18.11 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 May 2025 | Accrual Activity | 14.55 | 0.0 | 14.55 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 June 2025 | Accrual | 68.38 | 0.0 | 68.38 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 June 2025 | Repayment | 891.62 | 862.52 | 29.1 | 0.0 | 0.0 | 885.61 | false | false |
|
|
# Verify loan status and last closed business date
|
|
Then Admin checks that last closed business date of loan is "05 June 2025"
|
|
And Loan status will be "ACTIVE"
|
|
And Loan has 0.0 total overdue amount
|
|
# Set business date forward one day to verify daily COB works correctly after migration
|
|
When Admin sets the business date to "07 June 2025"
|
|
And Admin runs inline COB job for Loan
|
|
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 |
|
|
| | | 06 February 2025 | | 2600.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 28 | 06 March 2025 | 06 April 2025 | 2175.59 | 424.41 | 21.64 | 0.0 | 0.0 | 446.05 | 446.05 | 0.0 | 0.24 | 0.0 |
|
|
| 2 | 31 | 06 April 2025 | 06 June 2025 | 1747.65 | 427.94 | 18.11 | 0.0 | 0.0 | 446.05 | 446.05 | 0.0 | 0.48 | 0.0 |
|
|
| 3 | 30 | 06 May 2025 | 06 June 2025 | 1316.15 | 431.5 | 14.55 | 0.0 | 0.0 | 446.05 | 446.05 | 0.0 | 446.05 | 0.0 |
|
|
| 4 | 31 | 06 June 2025 | | 884.65 | 431.5 | 14.55 | 0.0 | 0.0 | 446.05 | 445.09 | 0.0 | 0.0 | 0.96 |
|
|
| 5 | 30 | 06 July 2025 | | 445.96 | 438.69 | 7.36 | 0.0 | 0.0 | 446.05 | 0.0 | 0.0 | 0.0 | 446.05 |
|
|
| 6 | 31 | 06 August 2025 | | 0.0 | 445.96 | 3.71 | 0.0 | 0.0 | 449.67 | 0.0 | 0.0 | 0.0 | 449.67 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 2600.0 | 79.92 | 0.0 | 0.0 | 2679.92 | 1783.24 | 0.0 | 446.77 | 896.68 |
|
|
# Verify new accrual entry is created for the additional day
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 06 February 2025 | Disbursement | 2600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2600.0 | false | false |
|
|
| 06 March 2025 | Repayment | 445.81 | 424.17 | 21.64 | 0.0 | 0.0 | 2175.83 | false | false |
|
|
| 06 March 2025 | Accrual Activity | 21.64 | 0.0 | 21.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Repayment | 445.81 | 427.7 | 18.11 | 0.0 | 0.0 | 1748.13 | false | false |
|
|
| 06 April 2025 | Accrual Activity | 18.11 | 0.0 | 18.11 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 May 2025 | Accrual Activity | 14.55 | 0.0 | 14.55 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 June 2025 | Accrual | 68.38 | 0.0 | 68.38 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 June 2025 | Repayment | 891.62 | 862.52 | 29.1 | 0.0 | 0.0 | 885.61 | false | false |
|
|
| 06 June 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 June 2025 | Accrual Activity | 14.55 | 0.0 | 14.55 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
@TestRailId:C3596
|
|
Scenario: Verify backdated loan migration with month-end dates
|
|
When Admin sets the business date to "10 April 2025"
|
|
And Admin creates a client with random data
|
|
# Create, approve and disburse backdated loan on month-end date
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 31 January 2025 | 4000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "31 January 2025" with "4000" amount and expected disbursement date on "31 January 2025"
|
|
And Admin successfully disburse the loan on "31 January 2025" with "4000" EUR transaction amount
|
|
# Verify initial loan schedule handles month-end dates correctly
|
|
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 |
|
|
| | | 31 January 2025 | | 4000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 28 | 28 February 2025 | | 3014.88 | 985.12 | 40.0 | 0.0 | 0.0 | 1025.12 | 0.0 | 0.0 | 0.0 | 1025.12 |
|
|
| 2 | 31 | 31 March 2025 | | 2029.76 | 985.12 | 40.0 | 0.0 | 0.0 | 1025.12 | 0.0 | 0.0 | 0.0 | 1025.12 |
|
|
| 3 | 30 | 30 April 2025 | | 1031.51 | 998.25 | 26.87 | 0.0 | 0.0 | 1025.12 | 0.0 | 0.0 | 0.0 | 1025.12 |
|
|
| 4 | 31 | 31 May 2025 | | 0.0 | 1031.51 | 10.32 | 0.0 | 0.0 | 1041.83 | 0.0 | 0.0 | 0.0 | 1041.83 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 4000.0 | 117.19 | 0.0 | 0.0 | 4117.19 | 0.0 | 0.0 | 0.0 | 4117.19 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 31 January 2025 | Disbursement | 4000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4000.0 | false | false |
|
|
# Make backdated payment on a non-month-end date
|
|
And Customer makes "AUTOPAY" repayment on "15 March 2025" with 1025.12 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 |
|
|
| | | 31 January 2025 | | 4000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 28 | 28 February 2025 | 15 March 2025 | 3014.88 | 985.12 | 40.0 | 0.0 | 0.0 | 1025.12 | 1025.12 | 0.0 | 1025.12 | 0.0 |
|
|
| 2 | 31 | 31 March 2025 | | 2024.68 | 990.2 | 34.92 | 0.0 | 0.0 | 1025.12 | 0.0 | 0.0 | 0.0 | 1025.12 |
|
|
| 3 | 30 | 30 April 2025 | | 1023.11 | 1001.57 | 23.55 | 0.0 | 0.0 | 1025.12 | 0.0 | 0.0 | 0.0 | 1025.12 |
|
|
| 4 | 31 | 31 May 2025 | | 0.0 | 1023.11 | 10.23 | 0.0 | 0.0 | 1033.34 | 0.0 | 0.0 | 0.0 | 1033.34 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 4000.0 | 108.7 | 0.0 | 0.0 | 4108.7 | 1025.12 | 0.0 | 1025.12 | 3083.58 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 31 January 2025 | Disbursement | 4000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4000.0 |
|
|
| 15 March 2025 | Repayment | 1025.12 | 985.12 | 40.0 | 0.0 | 0.0 | 3014.88 |
|
|
# Run single COB (inline COB as in migration final day)
|
|
When Admin runs inline COB job for Loan
|
|
# Verify accrual entries are created correctly
|
|
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 |
|
|
| | | 31 January 2025 | | 4000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 28 | 28 February 2025 | 15 March 2025 | 3014.88 | 985.12 | 40.0 | 0.0 | 0.0 | 1025.12 | 1025.12 | 0.0 | 1025.12 | 0.0 |
|
|
| 2 | 31 | 31 March 2025 | | 2024.68 | 990.2 | 34.92 | 0.0 | 0.0 | 1025.12 | 0.0 | 0.0 | 0.0 | 1025.12 |
|
|
| 3 | 30 | 30 April 2025 | | 1023.11 | 1001.57 | 23.55 | 0.0 | 0.0 | 1025.12 | 0.0 | 0.0 | 0.0 | 1025.12 |
|
|
| 4 | 31 | 31 May 2025 | | 0.0 | 1023.11 | 10.23 | 0.0 | 0.0 | 1033.34 | 0.0 | 0.0 | 0.0 | 1033.34 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 4000.0 | 108.7 | 0.0 | 0.0 | 4108.7 | 1025.12 | 0.0 | 1025.12 | 3083.58 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 31 January 2025 | Disbursement | 4000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4000.0 | false | false |
|
|
| 28 February 2025 | Accrual Activity | 40.0 | 0.0 | 40.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 March 2025 | Repayment | 1025.12 | 985.12 | 40.0 | 0.0 | 0.0 | 3014.88 | false | false |
|
|
| 31 March 2025 | Accrual Activity | 34.92 | 0.0 | 34.92 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 83.96 | 0.0 | 83.96 | 0.0 | 0.0 | 0.0 | false | false |
|
|
# Verify loan status and last closed business date
|
|
Then Admin checks that last closed business date of loan is "09 April 2025"
|
|
And Loan status will be "ACTIVE"
|
|
And Loan has 1025.12 total overdue amount
|
|
|
|
@TestRailId:C3623
|
|
Scenario: Verify backdated loan migration that was fully paid and closed before current date
|
|
When Admin sets the business date to "10 April 2025"
|
|
And Admin creates a client with random data
|
|
# Create, approve and disburse backdated loan
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 15 January 2025 | 1500 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "15 January 2025" with "1500" amount and expected disbursement date on "15 January 2025"
|
|
And Admin successfully disburse the loan on "15 January 2025" with "1500" 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 |
|
|
| | | 15 January 2025 | | 1500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 15 February 2025 | | 1004.97 | 495.03 | 15.0 | 0.0 | 0.0 | 510.03 | 0.0 | 0.0 | 0.0 | 510.03 |
|
|
| 2 | 28 | 15 March 2025 | | 509.94 | 495.03 | 15.0 | 0.0 | 0.0 | 510.03 | 0.0 | 0.0 | 0.0 | 510.03 |
|
|
| 3 | 31 | 15 April 2025 | | 0.0 | 509.94 | 13.4 | 0.0 | 0.0 | 523.34 | 0.0 | 0.0 | 0.0 | 523.34 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1500.0 | 43.4 | 0.0 | 0.0 | 1543.4 | 0.0 | 0.0 | 0.0 | 1543.4 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 15 January 2025 | Disbursement | 1500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 |
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2025" with 510.03 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 |
|
|
| | | 15 January 2025 | | 1500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 15 February 2025 | 15 February 2025 | 1004.97 | 495.03 | 15.0 | 0.0 | 0.0 | 510.03 | 510.03 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 15 March 2025 | | 504.99 | 499.98 | 10.05 | 0.0 | 0.0 | 510.03 | 0.0 | 0.0 | 0.0 | 510.03 |
|
|
| 3 | 31 | 15 April 2025 | | 0.0 | 504.99 | 9.24 | 0.0 | 0.0 | 514.23 | 0.0 | 0.0 | 0.0 | 514.23 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1500.0 | 34.29 | 0.0 | 0.0 | 1534.29 | 510.03 | 0.0 | 0.0 | 1024.26 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 15 January 2025 | Disbursement | 1500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 |
|
|
| 15 February 2025 | Repayment | 510.03 | 495.03 | 15.0 | 0.0 | 0.0 | 1004.97 |
|
|
# Make second payment on time
|
|
And Customer makes "AUTOPAY" repayment on "15 March 2025" with 510.03 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 |
|
|
| | | 15 January 2025 | | 1500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 15 February 2025 | 15 February 2025 | 1004.97 | 495.03 | 15.0 | 0.0 | 0.0 | 510.03 | 510.03 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 15 March 2025 | 15 March 2025 | 504.99 | 499.98 | 10.05 | 0.0 | 0.0 | 510.03 | 510.03 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 15 April 2025 | | 0.0 | 504.99 | 5.05 | 0.0 | 0.0 | 510.04 | 0.0 | 0.0 | 0.0 | 510.04 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1500.0 | 30.1 | 0.0 | 0.0 | 1530.1 | 1020.06 | 0.0 | 0.0 | 510.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 15 January 2025 | Disbursement | 1500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 |
|
|
| 15 February 2025 | Repayment | 510.03 | 495.03 | 15.0 | 0.0 | 0.0 | 1004.97 |
|
|
| 15 March 2025 | Repayment | 510.03 | 499.98 | 10.05 | 0.0 | 0.0 | 504.99 |
|
|
# Make early payment for the final installment (loan gets fully paid before current date)
|
|
And Customer makes "AUTOPAY" repayment on "25 March 2025" with 506.62 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 |
|
|
| | | 15 January 2025 | | 1500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 15 February 2025 | 15 February 2025 | 1004.97 | 495.03 | 15.0 | 0.0 | 0.0 | 510.03 | 510.03 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 15 March 2025 | 15 March 2025 | 504.99 | 499.98 | 10.05 | 0.0 | 0.0 | 510.03 | 510.03 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 15 April 2025 | 25 March 2025 | 0.0 | 504.99 | 1.63 | 0.0 | 0.0 | 506.62 | 506.62 | 506.62 | 0.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1500.0 | 26.68 | 0.0 | 0.0 | 1526.68 | 1526.68 | 506.62 | 0.0 | 0.0 |
|
|
# Verify loan status is CLOSED and has expected accrual entries without running COB
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 15 January 2025 | Disbursement | 1500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | false |
|
|
| 15 February 2025 | Repayment | 510.03 | 495.03 | 15.0 | 0.0 | 0.0 | 1004.97 | false | false |
|
|
| 15 February 2025 | Accrual Activity | 15.0 | 0.0 | 15.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 March 2025 | Repayment | 510.03 | 499.98 | 10.05 | 0.0 | 0.0 | 504.99 | false | false |
|
|
| 15 March 2025 | Accrual Activity | 10.05 | 0.0 | 10.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 March 2025 | Repayment | 506.62 | 504.99 | 1.63 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 March 2025 | Accrual Activity | 1.63 | 0.0 | 1.63 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 26.68 | 0.0 | 26.68 | 0.0 | 0.0 | 0.0 | false | false |
|
|
# Verify loan has no overdue amounts and closed date is recorded
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
Then Loan has 0.0 total overdue amount
|
|
|
|
@TestRailId:C3804
|
|
Scenario: Verify backdated loan migration with disbursement reversal and running Loan COB afterwards
|
|
When Admin sets the business date to "07 April 2025"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 10000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2025" with "10000" amount and expected disbursement date on "01 January 2025"
|
|
And Admin successfully disburse the loan on "01 January 2025" with "10000" 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 January 2025 | | 10000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 7537.19 | 2462.81 | 100.0 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
|
|
| 2 | 28 | 01 March 2025 | | 5074.38 | 2462.81 | 100.0 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
|
|
| 3 | 31 | 01 April 2025 | | 2611.57 | 2462.81 | 100.0 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
|
|
| 4 | 30 | 01 May 2025 | | 0.0 | 2611.57 | 40.89 | 0.0 | 0.0 | 2652.46 | 0.0 | 0.0 | 0.0 | 2652.46 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 10000.0 | 340.89 | 0 | 0 | 10340.89 | 0.0 | 0.0 | 0.0 | 10340.89 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 10000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10000.0 | false | false |
|
|
When Admin runs inline COB job for Loan
|
|
# Verify accrual entries are created correctly
|
|
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 January 2025 | | 10000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 7537.19 | 2462.81 | 100.0 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
|
|
| 2 | 28 | 01 March 2025 | | 5074.38 | 2462.81 | 100.0 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
|
|
| 3 | 31 | 01 April 2025 | | 2611.57 | 2462.81 | 100.0 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
|
|
| 4 | 30 | 01 May 2025 | | 0.0 | 2611.57 | 40.89 | 0.0 | 0.0 | 2652.46 | 0.0 | 0.0 | 0.0 | 2652.46 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 10000.0 | 340.89 | 0.0 | 0.0 | 10340.89 | 0.0 | 0.0 | 0.0 | 10340.89 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 10000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10000.0 | false | false |
|
|
| 01 February 2025 | Accrual Activity | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2025 | Accrual Activity | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 April 2025 | Accrual Activity | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 316.67 | 0.0 | 316.67 | 0.0 | 0.0 | 0.0 | false | false |
|
|
When Admin sets the business date to "01 January 2025"
|
|
When Admin successfully undo disbursal
|
|
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 January 2025 | | 10000.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2025 | | 7537.19 | 2462.81 | 100.0 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
|
|
| 2 | 28 | 01 March 2025 | | 5049.75 | 2487.44 | 75.37 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
|
|
| 3 | 31 | 01 April 2025 | | 2537.44 | 2512.31 | 50.5 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
|
|
| 4 | 30 | 01 May 2025 | | 0.0 | 2537.44 | 25.37 | 0.0 | 0.0 | 2562.81 | 0.0 | 0.0 | 0.0 | 2562.81 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 10000.0 | 251.24 | 0.0 | 0.0 | 10251.24 | 0.0 | 0.0 | 0.0 | 10251.24 |
|
|
Then Loan Transactions tab has none transaction
|
|
When Admin sets the business date to "02 January 2025"
|
|
And Admin successfully disburse the loan on "02 January 2025" with "10000" 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 |
|
|
| | | 02 January 2025 | | 10000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 7534.78 | 2465.22 | 96.77 | 0.0 | 0.0 | 2561.99 | 0.0 | 0.0 | 0.0 | 2561.99 |
|
|
| 2 | 28 | 01 March 2025 | | 5048.14 | 2486.64 | 75.35 | 0.0 | 0.0 | 2561.99 | 0.0 | 0.0 | 0.0 | 2561.99 |
|
|
| 3 | 31 | 01 April 2025 | | 2536.63 | 2511.51 | 50.48 | 0.0 | 0.0 | 2561.99 | 0.0 | 0.0 | 0.0 | 2561.99 |
|
|
| 4 | 30 | 01 May 2025 | | 0.0 | 2536.63 | 25.37 | 0.0 | 0.0 | 2562.0 | 0.0 | 0.0 | 0.0 | 2562.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 10000.0 | 247.97 | 0 | 0 | 10247.97 | 0.0 | 0.0 | 0.0 | 10247.97 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 02 January 2025 | Disbursement | 10000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10000.0 | false | false |
|
|
When Admin sets the business date to "08 April 2025"
|
|
When Admin runs inline COB job for Loan
|
|
# Verify accrual entries are created correctly
|
|
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 |
|
|
| | | 02 January 2025 | | 10000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 7534.78 | 2465.22 | 96.77 | 0.0 | 0.0 | 2561.99 | 0.0 | 0.0 | 0.0 | 2561.99 |
|
|
| 2 | 28 | 01 March 2025 | | 5072.79 | 2461.99 | 100.0 | 0.0 | 0.0 | 2561.99 | 0.0 | 0.0 | 0.0 | 2561.99 |
|
|
| 3 | 31 | 01 April 2025 | | 2610.8 | 2461.99 | 100.0 | 0.0 | 0.0 | 2561.99 | 0.0 | 0.0 | 0.0 | 2561.99 |
|
|
| 4 | 30 | 01 May 2025 | | 0.0 | 2610.8 | 43.35 | 0.0 | 0.0 | 2654.15 | 0.0 | 0.0 | 0.0 | 2654.15 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 10000.0 | 340.12 | 0.0 | 0.0 | 10340.12 | 0.0 | 0.0 | 0.0 | 10340.12 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 02 January 2025 | Disbursement | 10000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10000.0 | false | false |
|
|
| 01 February 2025 | Accrual Activity | 96.77 | 0.0 | 96.77 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2025 | Accrual Activity | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 April 2025 | Accrual Activity | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 242.6 | 0.0 | 242.6 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
@TestRailId:C4000
|
|
Scenario: Verify backdated loan migration with multiple disbursements on same day with final COB
|
|
When Admin sets the business date to "10 April 2025"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 200 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2025" with "200" amount and expected disbursement date on "01 January 2025"
|
|
And Admin successfully disburse the loan on "01 January 2025" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 92.85 | 7.15 | 2.75 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 2 | 28 | 01 March 2025 | | 85.7 | 7.15 | 2.75 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 3 | 31 | 01 April 2025 | | 78.55 | 7.15 | 2.75 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 4 | 30 | 01 May 2025 | | 70.99 | 7.56 | 2.34 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 5 | 31 | 01 June 2025 | | 63.04 | 7.95 | 1.95 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 6 | 30 | 01 July 2025 | | 54.87 | 8.17 | 1.73 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 7 | 31 | 01 August 2025 | | 46.48 | 8.39 | 1.51 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 8 | 31 | 01 September 2025 | | 37.86 | 8.62 | 1.28 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 9 | 30 | 01 October 2025 | | 29.0 | 8.86 | 1.04 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 10 | 31 | 01 November 2025 | | 19.9 | 9.1 | 0.8 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 11 | 30 | 01 December 2025 | | 10.55 | 9.35 | 0.55 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 10.55 | 0.29 | 0.0 | 0.0 | 10.84 | 0.0 | 0.0 | 0.0 | 10.84 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 19.74 | 0.0 | 0.0 | 119.74 | 0.0 | 0.0 | 0.0 | 119.74 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
And Admin successfully disburse the loan on "01 January 2025" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 01 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 185.71 | 14.29 | 5.5 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 2 | 28 | 01 March 2025 | | 171.42 | 14.29 | 5.5 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 3 | 31 | 01 April 2025 | | 157.13 | 14.29 | 5.5 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 4 | 30 | 01 May 2025 | | 142.01 | 15.12 | 4.67 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 5 | 31 | 01 June 2025 | | 126.13 | 15.88 | 3.91 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 6 | 30 | 01 July 2025 | | 109.81 | 16.32 | 3.47 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 7 | 31 | 01 August 2025 | | 93.04 | 16.77 | 3.02 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 8 | 31 | 01 September 2025 | | 75.81 | 17.23 | 2.56 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 9 | 30 | 01 October 2025 | | 58.1 | 17.71 | 2.08 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 10 | 31 | 01 November 2025 | | 39.91 | 18.19 | 1.6 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 11 | 30 | 01 December 2025 | | 21.22 | 18.69 | 1.1 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 21.22 | 0.58 | 0.0 | 0.0 | 21.8 | 0.0 | 0.0 | 0.0 | 21.8 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 200.0 | 39.49 | 0.0 | 0.0 | 239.49 | 0.0 | 0.0 | 0.0 | 239.49 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2025" with 19.79 EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 01 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 15 January 2025 | 182.69 | 17.31 | 2.48 | 0.0 | 0.0 | 19.79 | 19.79 | 19.79 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | | 170.68 | 12.01 | 7.78 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 3 | 31 | 01 April 2025 | | 155.91 | 14.77 | 5.02 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 4 | 30 | 01 May 2025 | | 140.63 | 15.28 | 4.51 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 5 | 31 | 01 June 2025 | | 124.71 | 15.92 | 3.87 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 6 | 30 | 01 July 2025 | | 108.35 | 16.36 | 3.43 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 7 | 31 | 01 August 2025 | | 91.54 | 16.81 | 2.98 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 8 | 31 | 01 September 2025 | | 74.27 | 17.27 | 2.52 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 9 | 30 | 01 October 2025 | | 56.52 | 17.75 | 2.04 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 10 | 31 | 01 November 2025 | | 38.28 | 18.24 | 1.55 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 11 | 30 | 01 December 2025 | | 19.54 | 18.74 | 1.05 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 19.54 | 0.54 | 0.0 | 0.0 | 20.08 | 0.0 | 0.0 | 0.0 | 20.08 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 200.0 | 37.77 | 0.0 | 0.0 | 237.77 | 19.79 | 19.79 | 0.0 | 217.98 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
|
|
| 15 January 2025 | Repayment | 19.79 | 17.31 | 2.48 | 0.0 | 0.0 | 182.69 | false | false |
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 12 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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 01 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 15 January 2025 | 182.69 | 17.31 | 2.48 | 0.0 | 0.0 | 19.79 | 19.79 | 19.79 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2025 | | 155.91 | 14.77 | 5.02 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 4 | 30 | 01 May 2025 | | 140.63 | 15.28 | 4.51 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 5 | 31 | 01 June 2025 | | 124.71 | 15.92 | 3.87 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 6 | 30 | 01 July 2025 | | 108.35 | 16.36 | 3.43 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 7 | 31 | 01 August 2025 | | 91.54 | 16.81 | 2.98 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 8 | 31 | 01 September 2025 | | 74.27 | 17.27 | 2.52 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 9 | 30 | 01 October 2025 | | 56.52 | 17.75 | 2.04 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 10 | 31 | 01 November 2025 | | 38.28 | 18.24 | 1.55 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 11 | 30 | 01 December 2025 | | 19.54 | 18.74 | 1.05 | 0.0 | 0.0 | 19.79 | 0.0 | 0.0 | 0.0 | 19.79 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 19.54 | 0.54 | 0.0 | 0.0 | 20.08 | 0.0 | 0.0 | 0.0 | 20.08 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 200.0 | 37.77 | 0.0 | 0.0 | 237.77 | 19.79 | 19.79 | 0.0 | 217.98 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
|
|
| 15 January 2025 | Repayment | 19.79 | 17.31 | 2.48 | 0.0 | 0.0 | 182.69 | false | false |
|
|
| 01 February 2025 | Accrual Activity | 2.48 | 0.0 | 2.48 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2025 | Accrual Activity | 7.78 | 0.0 | 7.78 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 April 2025 | Accrual Activity | 5.02 | 0.0 | 5.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 16.62 | 0.0 | 16.62 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
@TestRailId:C4001
|
|
Scenario: Verify backdated loan migration with multiple disbursements on different dates with final COB
|
|
When Admin sets the business date to "10 April 2025"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 200 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2025" with "200" amount and expected disbursement date on "01 January 2025"
|
|
And Admin successfully disburse the loan on "01 January 2025" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 92.85 | 7.15 | 2.75 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 2 | 28 | 01 March 2025 | | 85.7 | 7.15 | 2.75 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 3 | 31 | 01 April 2025 | | 78.55 | 7.15 | 2.75 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 4 | 30 | 01 May 2025 | | 70.99 | 7.56 | 2.34 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 5 | 31 | 01 June 2025 | | 63.04 | 7.95 | 1.95 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 6 | 30 | 01 July 2025 | | 54.87 | 8.17 | 1.73 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 7 | 31 | 01 August 2025 | | 46.48 | 8.39 | 1.51 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 8 | 31 | 01 September 2025 | | 37.86 | 8.62 | 1.28 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 9 | 30 | 01 October 2025 | | 29.0 | 8.86 | 1.04 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 10 | 31 | 01 November 2025 | | 19.9 | 9.1 | 0.8 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 11 | 30 | 01 December 2025 | | 10.55 | 9.35 | 0.55 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 10.55 | 0.29 | 0.0 | 0.0 | 10.84 | 0.0 | 0.0 | 0.0 | 10.84 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 19.74 | 0.0 | 0.0 | 119.74 | 0.0 | 0.0 | 0.0 | 119.74 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
And Admin successfully disburse the loan on "15 January 2025" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 15 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 184.59 | 15.41 | 4.26 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 2 | 28 | 01 March 2025 | | 170.42 | 14.17 | 5.5 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 3 | 31 | 01 April 2025 | | 156.25 | 14.17 | 5.5 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 4 | 30 | 01 May 2025 | | 141.24 | 15.01 | 4.66 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 5 | 31 | 01 June 2025 | | 125.45 | 15.79 | 3.88 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 6 | 30 | 01 July 2025 | | 109.23 | 16.22 | 3.45 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 7 | 31 | 01 August 2025 | | 92.56 | 16.67 | 3.0 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 8 | 31 | 01 September 2025 | | 75.44 | 17.12 | 2.55 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 9 | 30 | 01 October 2025 | | 57.84 | 17.6 | 2.07 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 10 | 31 | 01 November 2025 | | 39.76 | 18.08 | 1.59 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 11 | 30 | 01 December 2025 | | 21.18 | 18.58 | 1.09 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 21.18 | 0.58 | 0.0 | 0.0 | 21.76 | 0.0 | 0.0 | 0.0 | 21.76 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 200.0 | 38.13 | 0.0 | 0.0 | 238.13 | 0.0 | 0.0 | 0.0 | 238.13 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 15 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2025" with 19.67 EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 15 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 01 February 2025 | 184.59 | 15.41 | 4.26 | 0.0 | 0.0 | 19.67 | 19.67 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | | 170.0 | 14.59 | 5.08 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 3 | 31 | 01 April 2025 | | 155.41 | 14.59 | 5.08 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 4 | 30 | 01 May 2025 | | 140.25 | 15.16 | 4.51 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 5 | 31 | 01 June 2025 | | 124.44 | 15.81 | 3.86 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 6 | 30 | 01 July 2025 | | 108.19 | 16.25 | 3.42 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 7 | 31 | 01 August 2025 | | 91.5 | 16.69 | 2.98 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 8 | 31 | 01 September 2025 | | 74.35 | 17.15 | 2.52 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 9 | 30 | 01 October 2025 | | 56.72 | 17.63 | 2.04 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 10 | 31 | 01 November 2025 | | 38.61 | 18.11 | 1.56 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 11 | 30 | 01 December 2025 | | 20.0 | 18.61 | 1.06 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 20.0 | 0.55 | 0.0 | 0.0 | 20.55 | 0.0 | 0.0 | 0.0 | 20.55 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 200.0 | 36.92 | 0.0 | 0.0 | 236.92 | 19.67 | 0.0 | 0.0 | 217.25 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 15 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
|
|
| 01 February 2025 | Repayment | 19.67 | 15.41 | 4.26 | 0.0 | 0.0 | 184.59 | false | false |
|
|
And Customer makes "AUTOPAY" repayment on "15 March 2025" with 19.67 EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 15 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 01 February 2025 | 184.59 | 15.41 | 4.26 | 0.0 | 0.0 | 19.67 | 19.67 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | 15 March 2025 | 170.0 | 14.59 | 5.08 | 0.0 | 0.0 | 19.67 | 19.67 | 0.0 | 19.67 | 0.0 |
|
|
| 3 | 31 | 01 April 2025 | | 155.19 | 14.81 | 4.86 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 4 | 30 | 01 May 2025 | | 139.91 | 15.28 | 4.39 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 5 | 31 | 01 June 2025 | | 124.09 | 15.82 | 3.85 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 6 | 30 | 01 July 2025 | | 107.83 | 16.26 | 3.41 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 7 | 31 | 01 August 2025 | | 91.13 | 16.7 | 2.97 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 8 | 31 | 01 September 2025 | | 73.97 | 17.16 | 2.51 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 9 | 30 | 01 October 2025 | | 56.33 | 17.64 | 2.03 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 10 | 31 | 01 November 2025 | | 38.21 | 18.12 | 1.55 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 11 | 30 | 01 December 2025 | | 19.59 | 18.62 | 1.05 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 19.59 | 0.54 | 0.0 | 0.0 | 20.13 | 0.0 | 0.0 | 0.0 | 20.13 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 200.0 | 36.5 | 0.0 | 0.0 | 236.5 | 39.34 | 0.0 | 19.67 | 197.16 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 15 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
|
|
| 01 February 2025 | Repayment | 19.67 | 15.41 | 4.26 | 0.0 | 0.0 | 184.59 | false | false |
|
|
| 15 March 2025 | Repayment | 19.67 | 14.59 | 5.08 | 0.0 | 0.0 | 170.0 | false | false |
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 12 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 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 15 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 01 February 2025 | 184.59 | 15.41 | 4.26 | 0.0 | 0.0 | 19.67 | 19.67 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | 15 March 2025 | 170.0 | 14.59 | 5.08 | 0.0 | 0.0 | 19.67 | 19.67 | 0.0 | 19.67 | 0.0 |
|
|
| 3 | 31 | 01 April 2025 | | 155.19 | 14.81 | 4.86 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 4 | 30 | 01 May 2025 | | 139.91 | 15.28 | 4.39 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 5 | 31 | 01 June 2025 | | 124.09 | 15.82 | 3.85 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 6 | 30 | 01 July 2025 | | 107.83 | 16.26 | 3.41 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 7 | 31 | 01 August 2025 | | 91.13 | 16.7 | 2.97 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 8 | 31 | 01 September 2025 | | 73.97 | 17.16 | 2.51 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 9 | 30 | 01 October 2025 | | 56.33 | 17.64 | 2.03 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 10 | 31 | 01 November 2025 | | 38.21 | 18.12 | 1.55 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 11 | 30 | 01 December 2025 | | 19.59 | 18.62 | 1.05 | 0.0 | 0.0 | 19.67 | 0.0 | 0.0 | 0.0 | 19.67 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 19.59 | 0.54 | 0.0 | 0.0 | 20.13 | 0.0 | 0.0 | 0.0 | 20.13 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 200.0 | 36.5 | 0.0 | 0.0 | 236.5 | 39.34 | 0.0 | 19.67 | 197.16 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 15 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
|
|
| 01 February 2025 | Repayment | 19.67 | 15.41 | 4.26 | 0.0 | 0.0 | 184.59 | false | false |
|
|
| 01 February 2025 | Accrual Activity | 4.26 | 0.0 | 4.26 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2025 | Accrual Activity | 5.08 | 0.0 | 5.08 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 March 2025 | Repayment | 19.67 | 14.59 | 5.08 | 0.0 | 0.0 | 170.0 | false | false |
|
|
| 01 April 2025 | Accrual Activity | 4.86 | 0.0 | 4.86 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 15.45 | 0.0 | 15.45 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
@TestRailId:C4002
|
|
Scenario: Verify backdated loan migration with partial repayment on disbursement date
|
|
When Admin sets the business date to "10 April 2025"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
|
And Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 2 | 28 | 01 March 2025 | | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 3 | 31 | 01 April 2025 | | 785.59 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 4 | 30 | 01 May 2025 | | 709.99 | 75.6 | 23.37 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 5 | 31 | 01 June 2025 | | 630.54 | 79.45 | 19.52 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 30 | 01 July 2025 | | 548.91 | 81.63 | 17.34 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 31 | 01 August 2025 | | 465.04 | 83.87 | 15.1 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 01 September 2025 | | 378.86 | 86.18 | 12.79 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 30 | 01 October 2025 | | 290.31 | 88.55 | 10.42 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 31 | 01 November 2025 | | 199.32 | 90.99 | 7.98 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 30 | 01 December 2025 | | 105.83 | 93.49 | 5.48 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 105.83 | 2.91 | 0.0 | 0.0 | 108.74 | 0.0 | 0.0 | 0.0 | 108.74 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 197.41 | 0.0 | 0.0 | 1197.41 | 0.0 | 0.0 | 0.0 | 1197.41 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
And Customer makes "AUTOPAY" repayment on "01 January 2025" with 200 EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 01 January 2025 | 901.03 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | 01 January 2025 | 802.06 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2025 | | 769.09 | 32.97 | 66.0 | 0.0 | 0.0 | 98.97 | 2.06 | 2.06 | 0.0 | 96.91 |
|
|
| 4 | 30 | 01 May 2025 | | 691.52 | 77.57 | 21.4 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 5 | 31 | 01 June 2025 | | 611.57 | 79.95 | 19.02 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 30 | 01 July 2025 | | 529.42 | 82.15 | 16.82 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 31 | 01 August 2025 | | 445.01 | 84.41 | 14.56 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 01 September 2025 | | 358.28 | 86.73 | 12.24 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 30 | 01 October 2025 | | 269.16 | 89.12 | 9.85 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 31 | 01 November 2025 | | 177.59 | 91.57 | 7.4 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 30 | 01 December 2025 | | 83.5 | 94.09 | 4.88 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 83.5 | 2.3 | 0.0 | 0.0 | 85.8 | 0.0 | 0.0 | 0.0 | 85.8 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 174.47 | 0.0 | 0.0 | 1174.47 | 200.0 | 200.0 | 0.0 | 974.47 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 January 2025 | Repayment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2025" with 98.97 EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 01 January 2025 | 901.03 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | 01 January 2025 | 802.06 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2025 | 15 February 2025 | 736.09 | 65.97 | 33.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2025 | | 687.59 | 48.5 | 50.47 | 0.0 | 0.0 | 98.97 | 2.06 | 2.06 | 0.0 | 96.91 |
|
|
| 5 | 31 | 01 June 2025 | | 607.53 | 80.06 | 18.91 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 30 | 01 July 2025 | | 525.27 | 82.26 | 16.71 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 31 | 01 August 2025 | | 440.74 | 84.53 | 14.44 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 01 September 2025 | | 353.89 | 86.85 | 12.12 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 30 | 01 October 2025 | | 264.65 | 89.24 | 9.73 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 31 | 01 November 2025 | | 172.96 | 91.69 | 7.28 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 30 | 01 December 2025 | | 78.75 | 94.21 | 4.76 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 78.75 | 2.17 | 0.0 | 0.0 | 80.92 | 0.0 | 0.0 | 0.0 | 80.92 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 169.59 | 0.0 | 0.0 | 1169.59 | 298.97 | 298.97 | 0.0 | 870.62 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 January 2025 | Repayment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
| 15 February 2025 | Repayment | 98.97 | 65.97 | 33.0 | 0.0 | 0.0 | 734.03 | false | false |
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 01 January 2025 | 901.03 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | 01 January 2025 | 802.06 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2025 | 15 February 2025 | 736.09 | 65.97 | 33.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2025 | | 687.59 | 48.5 | 50.47 | 0.0 | 0.0 | 98.97 | 2.06 | 2.06 | 0.0 | 96.91 |
|
|
| 5 | 31 | 01 June 2025 | | 607.53 | 80.06 | 18.91 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 30 | 01 July 2025 | | 525.27 | 82.26 | 16.71 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 31 | 01 August 2025 | | 440.74 | 84.53 | 14.44 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 01 September 2025 | | 353.89 | 86.85 | 12.12 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 30 | 01 October 2025 | | 264.65 | 89.24 | 9.73 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 31 | 01 November 2025 | | 172.96 | 91.69 | 7.28 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 30 | 01 December 2025 | | 78.75 | 94.21 | 4.76 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 78.75 | 2.17 | 0.0 | 0.0 | 80.92 | 0.0 | 0.0 | 0.0 | 80.92 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 169.59 | 0.0 | 0.0 | 1169.59 | 298.97 | 298.97 | 0.0 | 870.62 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 January 2025 | Repayment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
| 15 February 2025 | Repayment | 98.97 | 65.97 | 33.0 | 0.0 | 0.0 | 734.03 | false | false |
|
|
| 01 April 2025 | Accrual Activity | 33.0 | 0.0 | 33.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 68.66 | 0.0 | 68.66 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
@TestRailId:C4437
|
|
Scenario: Verify backdated loan with applied charges and final COB - charge-inclusive income recognition
|
|
When Admin sets the business date to "10 April 2025"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 500 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2025" with "500" amount and expected disbursement date on "01 January 2025"
|
|
And Admin successfully disburse the loan on "01 January 2025" with "500" EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 464.27 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 2 | 28 | 01 March 2025 | | 428.54 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 3 | 31 | 01 April 2025 | | 392.81 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 4 | 30 | 01 May 2025 | | 355.02 | 37.79 | 11.69 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 5 | 31 | 01 June 2025 | | 315.3 | 39.72 | 9.76 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 6 | 30 | 01 July 2025 | | 274.49 | 40.81 | 8.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 7 | 31 | 01 August 2025 | | 232.56 | 41.93 | 7.55 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 8 | 31 | 01 September 2025 | | 189.48 | 43.08 | 6.4 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 9 | 30 | 01 October 2025 | | 145.21 | 44.27 | 5.21 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 10 | 31 | 01 November 2025 | | 99.72 | 45.49 | 3.99 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 11 | 30 | 01 December 2025 | | 52.98 | 46.74 | 2.74 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 52.98 | 1.46 | 0.0 | 0.0 | 54.44 | 0.0 | 0.0 | 0.0 | 54.44 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 98.72 | 0.0 | 0.0 | 598.72 | 0.0 | 0.0 | 0.0 | 598.72 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
# --- Add fee charge backdated to 15 January 2025 ---
|
|
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 January 2025" due date and 50 EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 464.27 | 35.73 | 13.75 | 50.0 | 0.0 | 99.48 | 0.0 | 0.0 | 0.0 | 99.48 |
|
|
| 2 | 28 | 01 March 2025 | | 428.54 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 3 | 31 | 01 April 2025 | | 392.81 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 4 | 30 | 01 May 2025 | | 355.02 | 37.79 | 11.69 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 5 | 31 | 01 June 2025 | | 315.3 | 39.72 | 9.76 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 6 | 30 | 01 July 2025 | | 274.49 | 40.81 | 8.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 7 | 31 | 01 August 2025 | | 232.56 | 41.93 | 7.55 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 8 | 31 | 01 September 2025 | | 189.48 | 43.08 | 6.4 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 9 | 30 | 01 October 2025 | | 145.21 | 44.27 | 5.21 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 10 | 31 | 01 November 2025 | | 99.72 | 45.49 | 3.99 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 11 | 30 | 01 December 2025 | | 52.98 | 46.74 | 2.74 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 52.98 | 1.46 | 0.0 | 0.0 | 54.44 | 0.0 | 0.0 | 0.0 | 54.44 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 98.72 | 50.0 | 0.0 | 648.72 | 0.0 | 0.0 | 0.0 | 648.72 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
Then Loan Charges tab has the following data:
|
|
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
|
| Snooze fee | false | Specified due date | 15 January 2025 | Flat | 50.0 | 0.0 | 0.0 | 50.0 |
|
|
# --- Make partial payment backdated to 01 February 2025 covering portion of principal/interest/fees ---
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2025" with 75 EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 464.27 | 35.73 | 13.75 | 50.0 | 0.0 | 99.48 | 75.0 | 0.0 | 0.0 | 24.48 |
|
|
| 2 | 28 | 01 March 2025 | | 427.56 | 36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 3 | 31 | 01 April 2025 | | 390.85 | 36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 4 | 30 | 01 May 2025 | | 352.72 | 38.13 | 11.35 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 5 | 31 | 01 June 2025 | | 312.94 | 39.78 | 9.7 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 6 | 30 | 01 July 2025 | | 272.07 | 40.87 | 8.61 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 7 | 31 | 01 August 2025 | | 230.07 | 42.0 | 7.48 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 8 | 31 | 01 September 2025 | | 186.92 | 43.15 | 6.33 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 9 | 30 | 01 October 2025 | | 142.58 | 44.34 | 5.14 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 10 | 31 | 01 November 2025 | | 97.02 | 45.56 | 3.92 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 11 | 30 | 01 December 2025 | | 50.21 | 46.81 | 2.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 50.21 | 1.38 | 0.0 | 0.0 | 51.59 | 0.0 | 0.0 | 0.0 | 51.59 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 95.87 | 50.0 | 0.0 | 645.87 | 75.0 | 0.0 | 0.0 | 570.87 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
| 01 February 2025 | Repayment | 75.0 | 35.73 | 13.75 | 25.52 | 0.0 | 464.27 | false | false |
|
|
Then Loan Charges tab has the following data:
|
|
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
|
| Snooze fee | false | Specified due date | 15 January 2025 | Flat | 50.0 | 25.52 | 0.0 | 24.48 |
|
|
# --- Run inline COB job to generate aggregated accruals ---
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 464.27 | 35.73 | 13.75 | 50.0 | 0.0 | 99.48 | 75.0 | 0.0 | 0.0 | 24.48 |
|
|
| 2 | 28 | 01 March 2025 | | 427.56 | 36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 3 | 31 | 01 April 2025 | | 390.85 | 36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 4 | 30 | 01 May 2025 | | 352.72 | 38.13 | 11.35 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 5 | 31 | 01 June 2025 | | 312.94 | 39.78 | 9.7 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 6 | 30 | 01 July 2025 | | 272.07 | 40.87 | 8.61 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 7 | 31 | 01 August 2025 | | 230.07 | 42.0 | 7.48 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 8 | 31 | 01 September 2025 | | 186.92 | 43.15 | 6.33 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 9 | 30 | 01 October 2025 | | 142.58 | 44.34 | 5.14 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 10 | 31 | 01 November 2025 | | 97.02 | 45.56 | 3.92 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 11 | 30 | 01 December 2025 | | 50.21 | 46.81 | 2.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 50.21 | 1.38 | 0.0 | 0.0 | 51.59 | 0.0 | 0.0 | 0.0 | 51.59 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 95.87 | 50.0 | 0.0 | 645.87 | 75.0 | 0.0 | 0.0 | 570.87 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
| 01 February 2025 | Repayment | 75.0 | 35.73 | 13.75 | 25.52 | 0.0 | 464.27 | false | false |
|
|
| 01 February 2025 | Accrual Activity | 63.75 | 0.0 | 13.75 | 50.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2025 | Accrual Activity | 12.77 | 0.0 | 12.77 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 April 2025 | Accrual Activity | 12.77 | 0.0 | 12.77 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 92.69 | 0.0 | 42.69 | 50.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan Charges tab has the following data:
|
|
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
|
| Snooze fee | false | Specified due date | 15 January 2025 | Flat | 50.0 | 25.52 | 0.0 | 24.48 |
|
|
When Loan Pay-off is made on "10 April 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4438
|
|
Scenario: Verify backdated loan with NSF fee after late payment - penalty income recognition
|
|
When Admin sets the business date to "10 April 2025"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 500 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2025" with "500" amount and expected disbursement date on "01 January 2025"
|
|
And Admin successfully disburse the loan on "01 January 2025" with "500" EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 464.27 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 2 | 28 | 01 March 2025 | | 428.54 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 3 | 31 | 01 April 2025 | | 392.81 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 4 | 30 | 01 May 2025 | | 355.02 | 37.79 | 11.69 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 5 | 31 | 01 June 2025 | | 315.3 | 39.72 | 9.76 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 6 | 30 | 01 July 2025 | | 274.49 | 40.81 | 8.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 7 | 31 | 01 August 2025 | | 232.56 | 41.93 | 7.55 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 8 | 31 | 01 September 2025 | | 189.48 | 43.08 | 6.4 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 9 | 30 | 01 October 2025 | | 145.21 | 44.27 | 5.21 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 10 | 31 | 01 November 2025 | | 99.72 | 45.49 | 3.99 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 11 | 30 | 01 December 2025 | | 52.98 | 46.74 | 2.74 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 52.98 | 1.46 | 0.0 | 0.0 | 54.44 | 0.0 | 0.0 | 0.0 | 54.44 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 98.72 | 0.0 | 0.0 | 598.72 | 0.0 | 0.0 | 0.0 | 598.72 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
# --- Make late payment backdated to 15 February 2025 (due was 01 February 2025) ---
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2025" with 49.48 EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 15 February 2025 | 464.27 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 49.48 | 0.0 | 49.48 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | | 428.05 | 36.22 | 13.26 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 3 | 31 | 01 April 2025 | | 391.34 | 36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 4 | 30 | 01 May 2025 | | 353.22 | 38.12 | 11.36 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 5 | 31 | 01 June 2025 | | 313.45 | 39.77 | 9.71 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 6 | 30 | 01 July 2025 | | 272.59 | 40.86 | 8.62 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 7 | 31 | 01 August 2025 | | 230.61 | 41.98 | 7.5 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 8 | 31 | 01 September 2025 | | 187.47 | 43.14 | 6.34 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 9 | 30 | 01 October 2025 | | 143.15 | 44.32 | 5.16 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 10 | 31 | 01 November 2025 | | 97.61 | 45.54 | 3.94 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 11 | 30 | 01 December 2025 | | 50.81 | 46.8 | 2.68 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 50.81 | 1.4 | 0.0 | 0.0 | 52.21 | 0.0 | 0.0 | 0.0 | 52.21 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 96.49 | 0.0 | 0.0 | 596.49 | 49.48 | 0.0 | 49.48 | 547.01 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
| 15 February 2025 | Repayment | 49.48 | 35.73 | 13.75 | 0.0 | 0.0 | 464.27 | false | false |
|
|
# --- Add NSF fee backdated to 20 February 2025 ---
|
|
When Admin adds an NSF fee because of payment bounce with "20 February 2025" transaction date
|
|
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 15 February 2025 | 464.27 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 49.48 | 0.0 | 49.48 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | | 428.05 | 36.22 | 13.26 | 0.0 | 10.0 | 59.48 | 0.0 | 0.0 | 0.0 | 59.48 |
|
|
| 3 | 31 | 01 April 2025 | | 391.34 | 36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 4 | 30 | 01 May 2025 | | 353.22 | 38.12 | 11.36 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 5 | 31 | 01 June 2025 | | 313.45 | 39.77 | 9.71 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 6 | 30 | 01 July 2025 | | 272.59 | 40.86 | 8.62 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 7 | 31 | 01 August 2025 | | 230.61 | 41.98 | 7.5 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 8 | 31 | 01 September 2025 | | 187.47 | 43.14 | 6.34 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 9 | 30 | 01 October 2025 | | 143.15 | 44.32 | 5.16 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 10 | 31 | 01 November 2025 | | 97.61 | 45.54 | 3.94 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 11 | 30 | 01 December 2025 | | 50.81 | 46.8 | 2.68 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 50.81 | 1.4 | 0.0 | 0.0 | 52.21 | 0.0 | 0.0 | 0.0 | 52.21 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 96.49 | 0.0 | 10.0 | 606.49 | 49.48 | 0.0 | 49.48 | 557.01 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
| 15 February 2025 | Repayment | 49.48 | 35.73 | 13.75 | 0.0 | 0.0 | 464.27 | false | false |
|
|
And Loan Charges tab has the following data:
|
|
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
|
| NSF fee | true | Specified due date | 20 February 2025 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
|
# --- Run inline COB job to generate aggregated accruals including penalty ---
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 15 February 2025 | 464.27 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 49.48 | 0.0 | 49.48 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | | 428.05 | 36.22 | 13.26 | 0.0 | 10.0 | 59.48 | 0.0 | 0.0 | 0.0 | 59.48 |
|
|
| 3 | 31 | 01 April 2025 | | 391.34 | 36.71 | 12.77 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 4 | 30 | 01 May 2025 | | 353.22 | 38.12 | 11.36 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 5 | 31 | 01 June 2025 | | 313.45 | 39.77 | 9.71 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 6 | 30 | 01 July 2025 | | 272.59 | 40.86 | 8.62 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 7 | 31 | 01 August 2025 | | 230.61 | 41.98 | 7.5 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 8 | 31 | 01 September 2025 | | 187.47 | 43.14 | 6.34 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 9 | 30 | 01 October 2025 | | 143.15 | 44.32 | 5.16 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 10 | 31 | 01 November 2025 | | 97.61 | 45.54 | 3.94 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 11 | 30 | 01 December 2025 | | 50.81 | 46.8 | 2.68 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 50.81 | 1.4 | 0.0 | 0.0 | 52.21 | 0.0 | 0.0 | 0.0 | 52.21 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 96.49 | 0.0 | 10.0 | 606.49 | 49.48 | 0.0 | 49.48 | 557.01 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
| 01 February 2025 | Accrual Activity | 13.75 | 0.0 | 13.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 February 2025 | Repayment | 49.48 | 35.73 | 13.75 | 0.0 | 0.0 | 464.27 | false | false |
|
|
| 01 March 2025 | Accrual Activity | 23.26 | 0.0 | 13.26 | 0.0 | 10.0 | 0.0 | false | false |
|
|
| 01 April 2025 | Accrual Activity | 12.77 | 0.0 | 12.77 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 53.18 | 0.0 | 43.18 | 0.0 | 10.0 | 0.0 | false | false |
|
|
When Loan Pay-off is made on "10 April 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4439
|
|
Scenario: Verify backdated loan with multiple repayment reversals and refunds - schedule and balance adjustments
|
|
When Admin sets the business date to "10 April 2025"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
|
And Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 2 | 28 | 01 March 2025 | | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 3 | 31 | 01 April 2025 | | 785.59 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 4 | 30 | 01 May 2025 | | 709.99 | 75.6 | 23.37 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 5 | 31 | 01 June 2025 | | 630.54 | 79.45 | 19.52 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 30 | 01 July 2025 | | 548.91 | 81.63 | 17.34 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 31 | 01 August 2025 | | 465.04 | 83.87 | 15.1 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 01 September 2025 | | 378.86 | 86.18 | 12.79 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 30 | 01 October 2025 | | 290.31 | 88.55 | 10.42 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 31 | 01 November 2025 | | 199.32 | 90.99 | 7.98 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 30 | 01 December 2025 | | 105.83 | 93.49 | 5.48 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 105.83 | 2.91 | 0.0 | 0.0 | 108.74 | 0.0 | 0.0 | 0.0 | 108.74 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 197.41 | 0.0 | 0.0 | 1197.41 | 0.0 | 0.0 | 0.0 | 1197.41 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
# --- Make first payment backdated to 01 February 2025 ---
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2025" with 100 EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 01 February 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | | 855.07 | 73.46 | 25.51 | 0.0 | 0.0 | 98.97 | 1.03 | 1.03 | 0.0 | 97.94 |
|
|
| 3 | 31 | 01 April 2025 | | 781.61 | 73.46 | 25.51 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 4 | 30 | 01 May 2025 | | 705.34 | 76.27 | 22.7 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 5 | 31 | 01 June 2025 | | 625.77 | 79.57 | 19.4 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 30 | 01 July 2025 | | 544.01 | 81.76 | 17.21 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 31 | 01 August 2025 | | 460.0 | 84.01 | 14.96 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 01 September 2025 | | 373.68 | 86.32 | 12.65 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 30 | 01 October 2025 | | 284.99 | 88.69 | 10.28 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 31 | 01 November 2025 | | 193.86 | 91.13 | 7.84 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 30 | 01 December 2025 | | 100.22 | 93.64 | 5.33 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 100.22 | 2.76 | 0.0 | 0.0 | 102.98 | 0.0 | 0.0 | 0.0 | 102.98 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 191.65 | 0.0 | 0.0 | 1191.65 | 100.0 | 1.03 | 0.0 | 1091.65 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 | 0.0 | 0.0 | 927.5 | false | false |
|
|
# --- Make second payment backdated to 01 March 2025 ---
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2025" with 150 EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 01 February 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | 01 March 2025 | 855.07 | 73.46 | 25.51 | 0.0 | 0.0 | 98.97 | 98.97 | 1.03 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2025 | | 778.18 | 76.89 | 22.08 | 0.0 | 0.0 | 98.97 | 52.06 | 52.06 | 0.0 | 46.91 |
|
|
| 4 | 30 | 01 May 2025 | | 700.81 | 77.37 | 21.6 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 5 | 31 | 01 June 2025 | | 621.11 | 79.7 | 19.27 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 30 | 01 July 2025 | | 539.22 | 81.89 | 17.08 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 31 | 01 August 2025 | | 455.08 | 84.14 | 14.83 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 01 September 2025 | | 368.62 | 86.46 | 12.51 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 30 | 01 October 2025 | | 279.79 | 88.83 | 10.14 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 31 | 01 November 2025 | | 188.51 | 91.28 | 7.69 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 30 | 01 December 2025 | | 94.72 | 93.79 | 5.18 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 94.72 | 2.6 | 0.0 | 0.0 | 97.32 | 0.0 | 0.0 | 0.0 | 97.32 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 185.99 | 0.0 | 0.0 | 1185.99 | 250.0 | 53.09 | 0.0 | 935.99 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 | 0.0 | 0.0 | 927.5 | false | false |
|
|
| 01 March 2025 | Repayment | 150.0 | 124.49 | 25.51 | 0.0 | 0.0 | 803.01 | false | false |
|
|
# --- Reverse/refund the first payment from 01 February 2025 ---
|
|
When Customer undo "1"th repayment on "01 February 2025"
|
|
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 01 March 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 98.97 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 51.03 | 0.0 | 0.0 | 47.94 |
|
|
| 3 | 31 | 01 April 2025 | | 782.98 | 74.08 | 24.89 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 4 | 30 | 01 May 2025 | | 706.55 | 76.43 | 22.54 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 5 | 31 | 01 June 2025 | | 627.01 | 79.54 | 19.43 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 30 | 01 July 2025 | | 545.28 | 81.73 | 17.24 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 31 | 01 August 2025 | | 461.31 | 83.97 | 15.0 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 01 September 2025 | | 375.03 | 86.28 | 12.69 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 30 | 01 October 2025 | | 286.37 | 88.66 | 10.31 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 31 | 01 November 2025 | | 195.28 | 91.09 | 7.88 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 30 | 01 December 2025 | | 101.68 | 93.6 | 5.37 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 101.68 | 2.8 | 0.0 | 0.0 | 104.48 | 0.0 | 0.0 | 0.0 | 104.48 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 193.15 | 0.0 | 0.0 | 1193.15 | 150.0 | 0.0 | 98.97 | 1043.15 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 | 0.0 | 0.0 | 927.5 | true | false |
|
|
| 01 March 2025 | Repayment | 150.0 | 95.0 | 55.0 | 0.0 | 0.0 | 905.0 | false | true |
|
|
# --- Make third payment backdated to 01 April 2025 ---
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2025" with 200 EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 01 March 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 98.97 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | 01 April 2025 | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 47.94 | 0.0 |
|
|
| 3 | 31 | 01 April 2025 | 01 April 2025 | 782.98 | 74.08 | 24.89 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2025 | | 704.08 | 78.9 | 20.07 | 0.0 | 0.0 | 98.97 | 53.09 | 53.09 | 0.0 | 45.88 |
|
|
| 5 | 31 | 01 June 2025 | | 624.47 | 79.61 | 19.36 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 30 | 01 July 2025 | | 542.67 | 81.8 | 17.17 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 31 | 01 August 2025 | | 458.62 | 84.05 | 14.92 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 01 September 2025 | | 372.26 | 86.36 | 12.61 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 30 | 01 October 2025 | | 283.53 | 88.73 | 10.24 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 31 | 01 November 2025 | | 192.36 | 91.17 | 7.8 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 30 | 01 December 2025 | | 98.68 | 93.68 | 5.29 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 98.68 | 2.71 | 0.0 | 0.0 | 101.39 | 0.0 | 0.0 | 0.0 | 101.39 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 190.06 | 0.0 | 0.0 | 1190.06 | 350.0 | 53.09 | 146.91 | 840.06 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 | 0.0 | 0.0 | 927.5 | true | false |
|
|
| 01 March 2025 | Repayment | 150.0 | 95.0 | 55.0 | 0.0 | 0.0 | 905.0 | false | true |
|
|
| 01 April 2025 | Repayment | 200.0 | 175.11 | 24.89 | 0.0 | 0.0 | 729.89 | false | false |
|
|
# --- Reverse/refund the second payment from 01 March 2025 ---
|
|
When Customer undo "2"th repayment on "01 March 2025"
|
|
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 01 April 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 98.97 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | 01 April 2025 | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 98.97 | 0.0 |
|
|
| 3 | 31 | 01 April 2025 | | 785.59 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 2.06 | 0.0 | 0.0 | 96.91 |
|
|
| 4 | 30 | 01 May 2025 | | 708.81 | 76.78 | 22.19 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 5 | 31 | 01 June 2025 | | 629.33 | 79.48 | 19.49 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 30 | 01 July 2025 | | 547.67 | 81.66 | 17.31 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 31 | 01 August 2025 | | 463.76 | 83.91 | 15.06 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 01 September 2025 | | 377.54 | 86.22 | 12.75 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 30 | 01 October 2025 | | 288.95 | 88.59 | 10.38 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 31 | 01 November 2025 | | 197.93 | 91.02 | 7.95 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 30 | 01 December 2025 | | 104.4 | 93.53 | 5.44 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 104.4 | 2.87 | 0.0 | 0.0 | 107.27 | 0.0 | 0.0 | 0.0 | 107.27 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 195.94 | 0.0 | 0.0 | 1195.94 | 200.0 | 0.0 | 197.94 | 995.94 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 | 0.0 | 0.0 | 927.5 | true | false |
|
|
| 01 March 2025 | Repayment | 150.0 | 95.0 | 55.0 | 0.0 | 0.0 | 905.0 | true | true |
|
|
| 01 April 2025 | Repayment | 200.0 | 142.94 | 57.06 | 0.0 | 0.0 | 857.06 | false | true |
|
|
# --- Run inline COB job to generate aggregated accruals ---
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 01 April 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 98.97 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | 01 April 2025 | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 98.97 | 0.0 |
|
|
| 3 | 31 | 01 April 2025 | | 785.59 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 2.06 | 0.0 | 0.0 | 96.91 |
|
|
| 4 | 30 | 01 May 2025 | | 708.81 | 76.78 | 22.19 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 5 | 31 | 01 June 2025 | | 629.33 | 79.48 | 19.49 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 30 | 01 July 2025 | | 547.67 | 81.66 | 17.31 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 31 | 01 August 2025 | | 463.76 | 83.91 | 15.06 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 01 September 2025 | | 377.54 | 86.22 | 12.75 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 30 | 01 October 2025 | | 288.95 | 88.59 | 10.38 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 31 | 01 November 2025 | | 197.93 | 91.02 | 7.95 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 30 | 01 December 2025 | | 104.4 | 93.53 | 5.44 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 104.4 | 2.87 | 0.0 | 0.0 | 107.27 | 0.0 | 0.0 | 0.0 | 107.27 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 195.94 | 0.0 | 0.0 | 1195.94 | 200.0 | 0.0 | 197.94 | 995.94 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2025 | Repayment | 100.0 | 72.5 | 27.5 | 0.0 | 0.0 | 927.5 | true | false |
|
|
| 01 February 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2025 | Repayment | 150.0 | 95.0 | 55.0 | 0.0 | 0.0 | 905.0 | true | true |
|
|
| 01 March 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 April 2025 | Repayment | 200.0 | 142.94 | 57.06 | 0.0 | 0.0 | 857.06 | false | true |
|
|
| 01 April 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 88.79 | 0.0 | 88.79 | 0.0 | 0.0 | 0.0 | false | false |
|
|
# --- Verify final loan balance reflects all transactions correctly ---
|
|
Then Loan has 995.94 outstanding amount
|
|
When Loan Pay-off is made on "10 April 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
@TestRailId:C4480
|
|
Scenario: Verify backdated loan migration with pre-closure (early payoff)
|
|
When Admin sets the business date to "10 April 2025"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
|
And Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 2 | 28 | 01 March 2025 | | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 3 | 31 | 01 April 2025 | | 785.59 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 4 | 30 | 01 May 2025 | | 709.99 | 75.6 | 23.37 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 5 | 31 | 01 June 2025 | | 630.54 | 79.45 | 19.52 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 30 | 01 July 2025 | | 548.91 | 81.63 | 17.34 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 31 | 01 August 2025 | | 465.04 | 83.87 | 15.1 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 01 September 2025 | | 378.86 | 86.18 | 12.79 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 30 | 01 October 2025 | | 290.31 | 88.55 | 10.42 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 31 | 01 November 2025 | | 199.32 | 90.99 | 7.98 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 30 | 01 December 2025 | | 105.83 | 93.49 | 5.48 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 105.83 | 2.91 | 0.0 | 0.0 | 108.74 | 0.0 | 0.0 | 0.0 | 108.74 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 197.41 | 0.0 | 0.0 | 1197.41 | 0.0 | 0.0 | 0.0 | 1197.41 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
# Make backdated partial repayment on 01 February 2025
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2025" with 98.97 EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 01 February 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | | 855.09 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 3 | 31 | 01 April 2025 | | 781.65 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 4 | 30 | 01 May 2025 | | 705.39 | 76.26 | 22.71 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 5 | 31 | 01 June 2025 | | 625.82 | 79.57 | 19.4 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 30 | 01 July 2025 | | 544.06 | 81.76 | 17.21 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 31 | 01 August 2025 | | 460.05 | 84.01 | 14.96 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 01 September 2025 | | 373.73 | 86.32 | 12.65 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 30 | 01 October 2025 | | 285.04 | 88.69 | 10.28 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 31 | 01 November 2025 | | 193.91 | 91.13 | 7.84 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 30 | 01 December 2025 | | 100.27 | 93.64 | 5.33 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 100.27 | 2.76 | 0.0 | 0.0 | 103.03 | 0.0 | 0.0 | 0.0 | 103.03 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 191.7 | 0.0 | 0.0 | 1191.7 | 98.97 | 0.0 | 0.0 | 1092.73 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2025 | Repayment | 98.97 | 71.47 | 27.5 | 0.0 | 0.0 | 928.53 | false | false |
|
|
# Make preclosure (Pay-off) on 01 March 2025
|
|
When Loan Pay-off is made on "01 March 2025"
|
|
Then Loan Repayment schedule has 12 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 01 February 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | 01 March 2025 | 855.09 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2025 | 01 March 2025 | 756.12 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2025 | 01 March 2025 | 657.15 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2025 | 01 March 2025 | 558.18 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2025 | 01 March 2025 | 459.21 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
|
|
| 7 | 31 | 01 August 2025 | 01 March 2025 | 360.24 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
|
|
| 8 | 31 | 01 September 2025 | 01 March 2025 | 261.27 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
|
|
| 9 | 30 | 01 October 2025 | 01 March 2025 | 162.3 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
|
|
| 10 | 31 | 01 November 2025 | 01 March 2025 | 63.33 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 | 98.97 | 98.97 | 0.0 | 0.0 |
|
|
| 11 | 30 | 01 December 2025 | 01 March 2025 | 0.0 | 63.33 | 0.0 | 0.0 | 0.0 | 63.33 | 63.33 | 63.33 | 0.0 | 0.0 |
|
|
| 12 | 31 | 01 January 2026 | 01 March 2025 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 53.03 | 0.0 | 0.0 | 1053.03 | 1053.03 | 855.09 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2025 | Repayment | 98.97 | 71.47 | 27.5 | 0.0 | 0.0 | 928.53 | false | false |
|
|
| 01 February 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2025 | Repayment | 954.06 | 928.53 | 25.53 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2025 | Accrual Activity | 25.53 | 0.0 | 25.53 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 53.03 | 0.0 | 53.03 | 0.0 | 0.0 | 0.0 | false | false |
|
|
# Verify loan is closed after preclosure
|
|
Then Loan's all installments have obligations met
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
# Run inline COB job for loan
|
|
When Admin runs inline COB job for Loan
|
|
# Verify loan remains closed after COB
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
# Verify no delinquency on closed loan
|
|
Then Loan has 0.0 total overdue amount
|
|
# Verify final accrual entries
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2025 | Repayment | 98.97 | 71.47 | 27.5 | 0.0 | 0.0 | 928.53 | false | false |
|
|
| 01 February 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2025 | Repayment | 954.06 | 928.53 | 25.53 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2025 | Accrual Activity | 25.53 | 0.0 | 25.53 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 53.03 | 0.0 | 53.03 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
@TestRailId:C4481
|
|
Scenario: Verify backdated loan migration with refund transactions (merchant refund and interest refund)
|
|
When Admin sets the business date to "10 April 2025"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
|
# First disbursement - 01/01/2025 - 500 EUR
|
|
And Admin successfully disburse the loan on "01 January 2025" with "500" EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 464.27 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 2 | 28 | 01 March 2025 | | 428.54 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 3 | 31 | 01 April 2025 | | 392.81 | 35.73 | 13.75 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 4 | 30 | 01 May 2025 | | 355.02 | 37.79 | 11.69 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 5 | 31 | 01 June 2025 | | 315.3 | 39.72 | 9.76 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 6 | 30 | 01 July 2025 | | 274.49 | 40.81 | 8.67 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 7 | 31 | 01 August 2025 | | 232.56 | 41.93 | 7.55 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 8 | 31 | 01 September 2025 | | 189.48 | 43.08 | 6.4 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 9 | 30 | 01 October 2025 | | 145.21 | 44.27 | 5.21 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 10 | 31 | 01 November 2025 | | 99.72 | 45.49 | 3.99 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 11 | 30 | 01 December 2025 | | 52.98 | 46.74 | 2.74 | 0.0 | 0.0 | 49.48 | 0.0 | 0.0 | 0.0 | 49.48 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 52.98 | 1.46 | 0.0 | 0.0 | 54.44 | 0.0 | 0.0 | 0.0 | 54.44 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 98.72 | 0.0 | 0.0 | 598.72 | 0.0 | 0.0 | 0.0 | 598.72 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
# Second disbursement - 15/01/2025 - 500 EUR
|
|
And Admin successfully disburse the loan on "15 January 2025" with "500" EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | | 922.92 | 77.08 | 21.29 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 2 | 28 | 01 March 2025 | | 852.05 | 70.87 | 27.5 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 3 | 31 | 01 April 2025 | | 781.18 | 70.87 | 27.5 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 4 | 30 | 01 May 2025 | | 706.1 | 75.08 | 23.29 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 5 | 31 | 01 June 2025 | | 627.15 | 78.95 | 19.42 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 6 | 30 | 01 July 2025 | | 546.03 | 81.12 | 17.25 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 7 | 31 | 01 August 2025 | | 462.68 | 83.35 | 15.02 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 8 | 31 | 01 September 2025 | | 377.03 | 85.65 | 12.72 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 9 | 30 | 01 October 2025 | | 289.03 | 88.0 | 10.37 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 10 | 31 | 01 November 2025 | | 198.61 | 90.42 | 7.95 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 11 | 30 | 01 December 2025 | | 105.7 | 92.91 | 5.46 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 105.7 | 2.91 | 0.0 | 0.0 | 108.61| 0.0 | 0.0 | 0.0 | 108.61 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 190.68 | 0.0 | 0.0 | 1190.68 | 0.0 | 0.0 | 0.0 | 1190.68 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
| 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
# Apply merchant refund - 10/02/2025 - 100 EUR
|
|
When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "10 February 2025" with 100 EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 10 February 2025 | 922.92 | 77.08 | 21.29 | 0.0 | 0.0 | 98.37 | 98.37 | 0.0 | 98.37 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | | 850.58 | 72.34 | 26.03 | 0.0 | 0.0 | 98.37 | 3.63 | 3.63 | 0.0 | 94.74 |
|
|
| 3 | 31 | 01 April 2025 | | 777.55 | 73.03 | 25.34 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 4 | 30 | 01 May 2025 | | 701.72 | 75.83 | 22.54 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 5 | 31 | 01 June 2025 | | 622.6 | 79.12 | 19.25 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 6 | 30 | 01 July 2025 | | 541.31 | 81.29 | 17.08 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 7 | 31 | 01 August 2025 | | 457.78 | 83.53 | 14.84 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 8 | 31 | 01 September 2025 | | 371.95 | 85.83 | 12.54 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 9 | 30 | 01 October 2025 | | 283.76 | 88.19 | 10.18 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 10 | 31 | 01 November 2025 | | 193.15 | 90.61 | 7.76 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 11 | 30 | 01 December 2025 | | 100.05 | 93.1 | 5.27 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 100.05 | 2.71 | 0.0 | 0.0 | 102.76 | 1.63 | 1.63 | 0.0 | 101.13 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 184.83 | 0.0 | 0.0 | 1184.83 | 103.63 | 5.26 | 98.37 | 1081.2 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
| 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 10 February 2025 | Merchant Issued Refund | 100.0 | 78.71 | 21.29 | 0.0 | 0.0 | 921.29 | false | false |
|
|
| 10 February 2025 | Interest Refund | 3.63 | 0.0 | 3.63 | 0.0 | 0.0 | 921.29 | false | false |
|
|
# Apply interest refund - 01/03/2025
|
|
When Admin makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "01 March 2025" with 50 EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 10 February 2025 | 922.92 | 77.08 | 21.29 | 0.0 | 0.0 | 98.37 | 98.37 | 0.0 | 98.37 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | | 850.58 | 72.34 | 26.03 | 0.0 | 0.0 | 98.37 | 56.77 | 3.63 | 0.0 | 41.6 |
|
|
| 3 | 31 | 01 April 2025 | | 776.17 | 74.41 | 23.96 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 4 | 30 | 01 May 2025 | | 699.9 | 76.27 | 22.1 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 5 | 31 | 01 June 2025 | | 620.73 | 79.17 | 19.2 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 6 | 30 | 01 July 2025 | | 539.39 | 81.34 | 17.03 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 7 | 31 | 01 August 2025 | | 455.81 | 83.58 | 14.79 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 8 | 31 | 01 September 2025 | | 369.93 | 85.88 | 12.49 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 9 | 30 | 01 October 2025 | | 281.69 | 88.24 | 10.13 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 10 | 31 | 01 November 2025 | | 191.02 | 90.67 | 7.7 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 11 | 30 | 01 December 2025 | | 97.86 | 93.16 | 5.21 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 97.86 | 2.65 | 0.0 | 0.0 | 100.51 | 1.63 | 1.63 | 0.0 | 98.88 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 182.58 | 0.0 | 0.0 | 1182.58 | 156.77 | 5.26 | 98.37 | 1025.81 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
| 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 10 February 2025 | Merchant Issued Refund | 100.0 | 78.71 | 21.29 | 0.0 | 0.0 | 921.29 | false | false |
|
|
| 10 February 2025 | Interest Refund | 3.63 | 0.0 | 3.63 | 0.0 | 0.0 | 921.29 | false | false |
|
|
| 01 March 2025 | Payout Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 871.29 | false | false |
|
|
| 01 March 2025 | Interest Refund | 3.14 | 0.0 | 3.14 | 0.0 | 0.0 | 871.29 | false | false |
|
|
# Run inline COB job for loan
|
|
When Admin runs inline COB job for Loan
|
|
# Verify accrual entries adjust correctly for refunds
|
|
Then Loan Repayment schedule has 12 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2025 | 10 February 2025 | 922.92 | 77.08 | 21.29 | 0.0 | 0.0 | 98.37 | 98.37 | 0.0 | 98.37 | 0.0 |
|
|
| 2 | 28 | 01 March 2025 | | 850.58 | 72.34 | 26.03 | 0.0 | 0.0 | 98.37 | 56.77 | 3.63 | 0.0 | 41.6 |
|
|
| 3 | 31 | 01 April 2025 | | 776.17 | 74.41 | 23.96 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 4 | 30 | 01 May 2025 | | 699.9 | 76.27 | 22.1 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 5 | 31 | 01 June 2025 | | 620.73 | 79.17 | 19.2 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 6 | 30 | 01 July 2025 | | 539.39 | 81.34 | 17.03 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 7 | 31 | 01 August 2025 | | 455.81 | 83.58 | 14.79 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 8 | 31 | 01 September 2025 | | 369.93 | 85.88 | 12.49 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 9 | 30 | 01 October 2025 | | 281.69 | 88.24 | 10.13 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 10 | 31 | 01 November 2025 | | 191.02 | 90.67 | 7.7 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 11 | 30 | 01 December 2025 | | 97.86 | 93.16 | 5.21 | 0.0 | 0.0 | 98.37 | 0.0 | 0.0 | 0.0 | 98.37 |
|
|
| 12 | 31 | 01 January 2026 | | 0.0 | 97.86 | 2.65 | 0.0 | 0.0 | 100.51 | 1.63 | 1.63 | 0.0 | 98.88 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 182.58 | 0.0 | 0.0 | 1182.58 | 156.77 | 5.26 | 98.37 | 1025.81 |
|
|
# Verify loan schedule reflects refunded amounts and accrual entries
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
| 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2025 | Accrual Activity | 21.29 | 0.0 | 21.29 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 February 2025 | Merchant Issued Refund | 100.0 | 78.71 | 21.29 | 0.0 | 0.0 | 921.29 | false | false |
|
|
| 10 February 2025 | Interest Refund | 3.63 | 0.0 | 3.63 | 0.0 | 0.0 | 921.29 | false | false |
|
|
| 01 March 2025 | Payout Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 871.29 | false | false |
|
|
| 01 March 2025 | Interest Refund | 3.14 | 0.0 | 3.14 | 0.0 | 0.0 | 871.29 | false | false |
|
|
| 01 March 2025 | Accrual Activity | 26.03 | 0.0 | 26.03 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 April 2025 | Accrual Activity | 23.96 | 0.0 | 23.96 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 77.67 | 0.0 | 77.67 | 0.0 | 0.0 | 0.0 | false | false |
|
|
# Verify loan status remains active
|
|
Then Loan status will be "ACTIVE"
|
|
When Loan Pay-off is made on "10 April 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4482
|
|
Scenario: Verify backdated loan migration spanning leap year boundary
|
|
When Admin sets the business date to "10 April 2025"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 15 December 2024 | 1000 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "15 December 2024" with "1000" amount and expected disbursement date on "15 December 2024"
|
|
And Admin successfully disburse the loan on "15 December 2024" with "1000" EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 |
|
|
| | | 15 December 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 15 January 2025 | | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 2 | 31 | 15 February 2025 | | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 3 | 28 | 15 March 2025 | | 785.59 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 4 | 31 | 15 April 2025 | | 713.17 | 72.42 | 26.55 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 5 | 30 | 15 May 2025 | | 633.81 | 79.36 | 19.61 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 31 | 15 June 2025 | | 552.27 | 81.54 | 17.43 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 30 | 15 July 2025 | | 468.49 | 83.78 | 15.19 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 15 August 2025 | | 382.4 | 86.09 | 12.88 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 31 | 15 September 2025 | | 293.95 | 88.45 | 10.52 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 30 | 15 October 2025 | | 203.06 | 90.89 | 8.08 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 31 | 15 November 2025 | | 109.67 | 93.39 | 5.58 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 30 | 15 December 2025 | | 0.0 | 109.67 | 3.02 | 0.0 | 0.0 | 112.69 | 0.0 | 0.0 | 0.0 | 112.69 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 201.36 | 0.0 | 0.0 | 1201.36 | 0.0 | 0.0 | 0.0 | 1201.36 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 15 December 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
# Make backdated payment on 15 January 2025 (first installment due date)
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2025" with 98.97 EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 |
|
|
| | | 15 December 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 15 January 2025 | 15 January 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 15 February 2025 | | 855.09 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 3 | 28 | 15 March 2025 | | 781.65 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 4 | 31 | 15 April 2025 | | 707.56 | 74.09 | 24.88 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 5 | 30 | 15 May 2025 | | 628.05 | 79.51 | 19.46 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 31 | 15 June 2025 | | 546.35 | 81.7 | 17.27 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 30 | 15 July 2025 | | 462.4 | 83.95 | 15.02 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 15 August 2025 | | 376.15 | 86.25 | 12.72 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 31 | 15 September 2025 | | 287.52 | 88.63 | 10.34 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 30 | 15 October 2025 | | 196.46 | 91.06 | 7.91 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 31 | 15 November 2025 | | 102.89 | 93.57 | 5.4 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 30 | 15 December 2025 | | 0.0 | 102.89 | 2.83 | 0.0 | 0.0 | 105.72 | 0.0 | 0.0 | 0.0 | 105.72 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 194.39 | 0.0 | 0.0 | 1194.39 | 98.97 | 0.0 | 0.0 | 1095.42 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 15 December 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 15 January 2025 | Repayment | 98.97 | 71.47 | 27.5 | 0.0 | 0.0 | 928.53 | false | false |
|
|
# Make backdated payment on 15 March 2025 (third installment - crosses February boundary)
|
|
And Customer makes "AUTOPAY" repayment on "15 March 2025" with 98.97 EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 |
|
|
| | | 15 December 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 15 January 2025 | 15 January 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 15 February 2025 | 15 March 2025 | 855.09 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 98.97 | 0.0 |
|
|
| 3 | 28 | 15 March 2025 | | 781.65 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 4 | 31 | 15 April 2025 | | 705.87 | 75.78 | 23.19 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 5 | 30 | 15 May 2025 | | 626.31 | 79.56 | 19.41 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 31 | 15 June 2025 | | 544.56 | 81.75 | 17.22 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 30 | 15 July 2025 | | 460.57 | 83.99 | 14.98 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 15 August 2025 | | 374.27 | 86.3 | 12.67 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 31 | 15 September 2025 | | 285.59 | 88.68 | 10.29 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 30 | 15 October 2025 | | 194.47 | 91.12 | 7.85 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 31 | 15 November 2025 | | 100.85 | 93.62 | 5.35 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 30 | 15 December 2025 | | 0.0 | 100.85 | 2.77 | 0.0 | 0.0 | 103.62 | 0.0 | 0.0 | 0.0 | 103.62 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 192.29 | 0.0 | 0.0 | 1192.29 | 197.94 | 0.0 | 98.97 | 994.35 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 15 December 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 15 January 2025 | Repayment | 98.97 | 71.47 | 27.5 | 0.0 | 0.0 | 928.53 | false | false |
|
|
| 15 March 2025 | Repayment | 98.97 | 73.44 | 25.53 | 0.0 | 0.0 | 855.09 | false | false |
|
|
# Run inline COB job for loan
|
|
When Admin runs inline COB job for Loan
|
|
# Verify interest calculations handle leap year boundary correctly with 360/30 day count
|
|
Then Loan Repayment schedule has 12 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 |
|
|
| | | 15 December 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 15 January 2025 | 15 January 2025 | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 15 February 2025 | 15 March 2025 | 855.09 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 98.97 | 0.0 | 98.97 | 0.0 |
|
|
| 3 | 28 | 15 March 2025 | | 781.65 | 73.44 | 25.53 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 4 | 31 | 15 April 2025 | | 705.87 | 75.78 | 23.19 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 5 | 30 | 15 May 2025 | | 626.31 | 79.56 | 19.41 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 31 | 15 June 2025 | | 544.56 | 81.75 | 17.22 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 30 | 15 July 2025 | | 460.57 | 83.99 | 14.98 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 15 August 2025 | | 374.27 | 86.3 | 12.67 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 31 | 15 September 2025 | | 285.59 | 88.68 | 10.29 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 30 | 15 October 2025 | | 194.47 | 91.12 | 7.85 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 31 | 15 November 2025 | | 100.85 | 93.62 | 5.35 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 30 | 15 December 2025 | | 0.0 | 100.85 | 2.77 | 0.0 | 0.0 | 103.62 | 0.0 | 0.0 | 0.0 | 103.62 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 192.29 | 0.0 | 0.0 | 1192.29 | 197.94 | 0.0 | 98.97 | 994.35 |
|
|
# Verify all accrual entries and accrual activities are generated with correct amounts
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 15 December 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 15 January 2025 | Repayment | 98.97 | 71.47 | 27.5 | 0.0 | 0.0 | 928.53 | false | false |
|
|
| 15 January 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 February 2025 | Accrual Activity | 25.53 | 0.0 | 25.53 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 March 2025 | Repayment | 98.97 | 73.44 | 25.53 | 0.0 | 0.0 | 855.09 | false | false |
|
|
| 15 March 2025 | Accrual Activity | 25.53 | 0.0 | 25.53 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 97.52 | 0.0 | 97.52 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan status will be "ACTIVE"
|
|
When Loan Pay-off is made on "10 April 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4483
|
|
Scenario: Verify backdated loan migration with large number of past due installments (all 12 months overdue)
|
|
When Admin sets the business date to "10 April 2025"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 1000 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 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"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
Then Loan Repayment schedule has 12 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 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 2 | 29 | 01 March 2024 | | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 3 | 31 | 01 April 2024 | | 785.59 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 4 | 30 | 01 May 2024 | | 714.12 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 5 | 31 | 01 June 2024 | | 642.65 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 30 | 01 July 2024 | | 571.18 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 31 | 01 August 2024 | | 499.71 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 01 September 2024 | | 428.24 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 30 | 01 October 2024 | | 356.77 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 31 | 01 November 2024 | | 285.3 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 30 | 01 December 2024 | | 213.83 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 31 | 01 January 2025 | | 0.0 | 213.83 | 27.5 | 0.0 | 0.0 | 241.33 | 0.0 | 0.0 | 0.0 | 241.33 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 330.0 | 0.0 | 0.0 | 1330.0 | 0.0 | 0.0 | 0.0 | 1330.0 |
|
|
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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
# No payments made - loan remains fully unpaid
|
|
# Run inline COB job for loan to generate all past due accrual activities
|
|
When Admin runs inline COB job for Loan
|
|
# Verify all past periods (12+ months) have correct accrual activities
|
|
Then Loan Repayment schedule has 12 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 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 928.53 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 2 | 29 | 01 March 2024 | | 857.06 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 3 | 31 | 01 April 2024 | | 785.59 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 4 | 30 | 01 May 2024 | | 714.12 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 5 | 31 | 01 June 2024 | | 642.65 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 6 | 30 | 01 July 2024 | | 571.18 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 7 | 31 | 01 August 2024 | | 499.71 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 8 | 31 | 01 September 2024 | | 428.24 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 9 | 30 | 01 October 2024 | | 356.77 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 10 | 31 | 01 November 2024 | | 285.3 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 11 | 30 | 01 December 2024 | | 213.83 | 71.47 | 27.5 | 0.0 | 0.0 | 98.97 | 0.0 | 0.0 | 0.0 | 98.97 |
|
|
| 12 | 31 | 01 January 2025 | | 0.0 | 213.83 | 27.5 | 0.0 | 0.0 | 241.33 | 0.0 | 0.0 | 0.0 | 241.33 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 330.0 | 0.0 | 0.0 | 1330.0 | 0.0 | 0.0 | 0.0 | 1330.0 |
|
|
# Verify aggregated accrual is accurate - all 12 accrual activities generated for each past due period
|
|
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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 April 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 May 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 June 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 July 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 August 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 September 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 October 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 November 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 December 2024 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 January 2025 | Accrual | 330.0 | 0.0 | 330.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 January 2025 | Accrual Activity | 27.5 | 0.0 | 27.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
# Verify delinquency reflects total overdue amount
|
|
Then Loan status will be "ACTIVE"
|
|
# All installments are past due - total overdue should be the full loan amount
|
|
Then Loan has 1330.0 total overdue amount
|
|
When Loan Pay-off is made on "10 April 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|