4457 lines
565 KiB
Gherkin
4457 lines
565 KiB
Gherkin
@Emi
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Feature: EMI calculation and repayment schedule checks for interest bearing loans
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@TestRailId:C3152
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Scenario: EMI calculation with Actual/Actual setup - integer
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When Admin sets the business date to "12 December 2023"
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When 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_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL | 12 December 2023 | 10000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "12 December 2023" with "10000" amount and expected disbursement date on "12 December 2023"
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When Admin successfully disburse the loan on "12 December 2023" with "10000" EUR transaction amount
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Then Loan Repayment schedule has 6 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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| | | 12 December 2023 | | 10000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 12 January 2024 | | 8376.25 | 1623.75 | 101.81 | 0.0 | 0.0 | 1725.56 | 0.0 | 0.0 | 0.0 | 1725.56 |
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| 2 | 31 | 12 February 2024 | | 6735.83 | 1640.42 | 85.14 | 0.0 | 0.0 | 1725.56 | 0.0 | 0.0 | 0.0 | 1725.56 |
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| 3 | 29 | 12 March 2024 | | 5074.32 | 1661.51 | 64.05 | 0.0 | 0.0 | 1725.56 | 0.0 | 0.0 | 0.0 | 1725.56 |
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| 4 | 31 | 12 April 2024 | | 3400.34 | 1673.98 | 51.58 | 0.0 | 0.0 | 1725.56 | 0.0 | 0.0 | 0.0 | 1725.56 |
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| 5 | 30 | 12 May 2024 | | 1708.23 | 1692.11 | 33.45 | 0.0 | 0.0 | 1725.56 | 0.0 | 0.0 | 0.0 | 1725.56 |
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| 6 | 31 | 12 June 2024 | | 0.0 | 1708.23 | 17.36 | 0.0 | 0.0 | 1725.59 | 0.0 | 0.0 | 0.0 | 1725.59 |
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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 | 353.39 | 0.0 | 0.0 | 10353.39 | 0.0 | 0.0 | 0.0 | 10353.39 |
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@TestRailId:C3153
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Scenario: EMI calculation with Actual/Actual setup - decimal
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When Admin sets the business date to "12 December 2023"
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When 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_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL | 12 December 2023 | 10000 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "12 December 2023" with "10000" amount and expected disbursement date on "12 December 2023"
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When Admin successfully disburse the loan on "12 December 2023" with "10000" EUR transaction amount
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Then Loan Repayment schedule has 6 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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| | | 12 December 2023 | | 10000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 12 January 2024 | | 8367.33 | 1632.67 | 80.45 | 0.0 | 0.0 | 1713.12 | 0.0 | 0.0 | 0.0 | 1713.12 |
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| 2 | 31 | 12 February 2024 | | 6721.41 | 1645.92 | 67.2 | 0.0 | 0.0 | 1713.12 | 0.0 | 0.0 | 0.0 | 1713.12 |
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| 3 | 29 | 12 March 2024 | | 5058.79 | 1662.62 | 50.5 | 0.0 | 0.0 | 1713.12 | 0.0 | 0.0 | 0.0 | 1713.12 |
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| 4 | 31 | 12 April 2024 | | 3386.3 | 1672.49 | 40.63 | 0.0 | 0.0 | 1713.12 | 0.0 | 0.0 | 0.0 | 1713.12 |
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| 5 | 30 | 12 May 2024 | | 1699.5 | 1686.8 | 26.32 | 0.0 | 0.0 | 1713.12 | 0.0 | 0.0 | 0.0 | 1713.12 |
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| 6 | 31 | 12 June 2024 | | 0.0 | 1699.5 | 13.65 | 0.0 | 0.0 | 1713.15 | 0.0 | 0.0 | 0.0 | 1713.15 |
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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 | 278.75 | 0.0 | 0.0 | 10278.75 | 0.0 | 0.0 | 0.0 | 10278.75 |
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@TestRailId:C3164 @ActualActualIterate @iterate
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Scenario: EMI calculation with Actual/Actual setup - decimal - iterate
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When Admin sets the business date to "12 December 2023"
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When 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_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL | 12 December 2023 | 331.77 | 10.65 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 5 | MONTHS | 1 | MONTHS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "12 December 2023" with "331.77" amount and expected disbursement date on "12 December 2023"
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When Admin successfully disburse the loan on "12 December 2023" with "331.77" EUR transaction amount
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Then Loan Repayment schedule has 5 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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| | | 12 December 2023 | | 331.77 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 12 January 2024 | | 266.63 | 65.14 | 3.0 | 0.0 | 0.0 | 68.14 | 0.0 | 0.0 | 0.0 | 68.14 |
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| 2 | 31 | 12 February 2024 | | 200.9 | 65.73 | 2.41 | 0.0 | 0.0 | 68.14 | 0.0 | 0.0 | 0.0 | 68.14 |
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| 3 | 29 | 12 March 2024 | | 134.46 | 66.44 | 1.7 | 0.0 | 0.0 | 68.14 | 0.0 | 0.0 | 0.0 | 68.14 |
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| 4 | 31 | 12 April 2024 | | 67.53 | 66.93 | 1.21 | 0.0 | 0.0 | 68.14 | 0.0 | 0.0 | 0.0 | 68.14 |
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| 5 | 30 | 12 May 2024 | | 0.0 | 67.53 | 0.59 | 0.0 | 0.0 | 68.12 | 0.0 | 0.0 | 0.0 | 68.12 |
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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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| 331.77 | 8.91 | 0.0 | 0.0 | 340.68 | 0.0 | 0.0 | 0.0 | 340.68 |
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@TestRailId:C3154
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Scenario: EMI calculation with 360/30 setup - integer
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When Admin sets the business date to "1 January 2024"
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When 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_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2024 | 100 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
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When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
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Then Loan Repayment schedule has 6 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2024 | | 83.75 | 16.25 | 1.0 | 0.0 | 0.0 | 17.25 | 0.0 | 0.0 | 0.0 | 17.25 |
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| 2 | 29 | 01 March 2024 | | 67.34 | 16.41 | 0.84 | 0.0 | 0.0 | 17.25 | 0.0 | 0.0 | 0.0 | 17.25 |
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| 3 | 31 | 01 April 2024 | | 50.76 | 16.58 | 0.67 | 0.0 | 0.0 | 17.25 | 0.0 | 0.0 | 0.0 | 17.25 |
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| 4 | 30 | 01 May 2024 | | 34.02 | 16.74 | 0.51 | 0.0 | 0.0 | 17.25 | 0.0 | 0.0 | 0.0 | 17.25 |
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| 5 | 31 | 01 June 2024 | | 17.11 | 16.91 | 0.34 | 0.0 | 0.0 | 17.25 | 0.0 | 0.0 | 0.0 | 17.25 |
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| 6 | 30 | 01 July 2024 | | 0.0 | 17.11 | 0.17 | 0.0 | 0.0 | 17.28 | 0.0 | 0.0 | 0.0 | 17.28 |
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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 | 3.53 | 0.0 | 0.0 | 103.53 | 0.0 | 0.0 | 0.0 | 103.53 |
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@TestRailId:C3155
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Scenario: EMI calculation with 360/30 setup - decimal
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When Admin sets the business date to "1 January 2024"
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When 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_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2024 | 100 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
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When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
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Then Loan Repayment schedule has 6 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
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| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
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| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
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| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
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| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
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| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
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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 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
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@TestRailId:C3165 @36030Iterate @iterate
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Scenario: EMI calculation with 360/30 setup - decimal - iterate
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When Admin sets the business date to "1 January 2024"
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When 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_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2024 | 75 | 12.3 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 5 | MONTHS | 1 | MONTHS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "1 January 2024" with "75" amount and expected disbursement date on "1 January 2024"
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When Admin successfully disburse the loan on "1 January 2024" with "75" EUR transaction amount
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Then Loan Repayment schedule has 5 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 2024 | | 75.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2024 | | 60.3 | 14.7 | 0.77 | 0.0 | 0.0 | 15.47 | 0.0 | 0.0 | 0.0 | 15.47 |
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| 2 | 29 | 01 March 2024 | | 45.45 | 14.85 | 0.62 | 0.0 | 0.0 | 15.47 | 0.0 | 0.0 | 0.0 | 15.47 |
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| 3 | 31 | 01 April 2024 | | 30.45 | 15.0 | 0.47 | 0.0 | 0.0 | 15.47 | 0.0 | 0.0 | 0.0 | 15.47 |
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| 4 | 30 | 01 May 2024 | | 15.29 | 15.16 | 0.31 | 0.0 | 0.0 | 15.47 | 0.0 | 0.0 | 0.0 | 15.47 |
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| 5 | 31 | 01 June 2024 | | 0.0 | 15.29 | 0.16 | 0.0 | 0.0 | 15.45 | 0.0 | 0.0 | 0.0 | 15.45 |
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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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| 75.0 | 2.33 | 0.0 | 0.0 | 77.33 | 0.0 | 0.0 | 0.0 | 77.33 |
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@TestRailId:C3156 @Skip
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Scenario: EMI calculation with 360/30 setup - decimal - reschedule
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When Admin sets the business date to "1 January 2024"
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When 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_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2024 | 100 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
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When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
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Then Loan Repayment schedule has 6 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
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| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
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| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
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| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
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| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
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| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
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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 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
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When Admin sets the business date to "18 February 2024"
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When Admin creates and approves Loan reschedule with the following data:
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| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
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| 01 February 2024 | 18 February 2024 | 18 February 2024 | | | | 9.4822 |
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Then Loan Repayment schedule has 6 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 48 | 18 February 2024 | | 84.02 | 15.98 | 1.22 | 0.0 | 0.0 | 17.20 | 0.0 | 0.0 | 0.0 | 17.20 |
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| 2 | 29 | 18 March 2024 | | 67.48 | 16.54 | 0.66 | 0.0 | 0.0 | 17.20 | 0.0 | 0.0 | 0.0 | 17.20 |
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| 3 | 31 | 18 April 2024 | | 50.81 | 16.67 | 0.53 | 0.0 | 0.0 | 17.20 | 0.0 | 0.0 | 0.0 | 17.20 |
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| 4 | 30 | 18 May 2024 | | 34.01 | 16.8 | 0.4 | 0.0 | 0.0 | 17.20 | 0.0 | 0.0 | 0.0 | 17.20 |
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| 5 | 31 | 18 June 2024 | | 17.08 | 16.93 | 0.27 | 0.0 | 0.0 | 17.20 | 0.0 | 0.0 | 0.0 | 17.20 |
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| 6 | 30 | 18 July 2024 | | 0.0 | 17.08 | 0.13 | 0.0 | 0.0 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 |
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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 | 3.21 | 0.0 | 0.0 | 103.21 | 0.0 | 0.0 | 0.0 | 103.21 |
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@TestRailId:C3157
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Scenario: EMI calculation with 360/30 setup - integer - repayment every 2 months
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When Admin sets the business date to "1 January 2024"
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When 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_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2024 | 100 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 2 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
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When Admin successfully disburse the loan on "1 January 2024" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 60 | 01 March 2024 | | 67.32 | 32.68 | 2.0 | 0.0 | 0.0 | 34.68 | 0.0 | 0.0 | 0.0 | 34.68 |
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| 2 | 61 | 01 May 2024 | | 33.99 | 33.33 | 1.35 | 0.0 | 0.0 | 34.68 | 0.0 | 0.0 | 0.0 | 34.68 |
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| 3 | 61 | 01 July 2024 | | 0.0 | 33.99 | 0.68 | 0.0 | 0.0 | 34.67 | 0.0 | 0.0 | 0.0 | 34.67 |
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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 | 4.03 | 0.0 | 0.0 | 104.03 | 0.0 | 0.0 | 0.0 | 104.03 |
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@TestRailId:C3158
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Scenario: EMI calculation with 360/30 setup - decimal - repayment every 2 weeks
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When Admin sets the business date to "1 January 2024"
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When 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_PYMNT_INTEREST_DAILY_EMI_360_30 | 1 January 2024 | 100 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | WEEKS | 2 | WEEKS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
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When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
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Then Loan Repayment schedule has 6 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 14 | 15 January 2024 | | 83.49 | 16.51 | 0.37 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
|
| 2 | 14 | 29 January 2024 | | 66.92 | 16.57 | 0.31 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
|
| 3 | 14 | 12 February 2024 | | 50.29 | 16.63 | 0.25 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
|
| 4 | 14 | 26 February 2024 | | 33.6 | 16.69 | 0.19 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
|
| 5 | 14 | 11 March 2024 | | 16.84 | 16.76 | 0.12 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
|
| 6 | 14 | 25 March 2024 | | 0.0 | 16.84 | 0.06 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.3 | 0.0 | 0.0 | 101.3 | 0.0 | 0.0 | 0.0 | 101.3 |
|
|
|
|
@TestRailId:C3159
|
|
Scenario: EMI calculation with 365/Actual setup - integer
|
|
When Admin sets the business date to "1 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_365_ACTUAL | 1 January 2024 | 100 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.77 | 16.23 | 1.02 | 0.0 | 0.0 | 17.25 | 0.0 | 0.0 | 0.0 | 17.25 |
|
|
| 2 | 29 | 01 March 2024 | | 67.32 | 16.45 | 0.8 | 0.0 | 0.0 | 17.25 | 0.0 | 0.0 | 0.0 | 17.25 |
|
|
| 3 | 31 | 01 April 2024 | | 50.76 | 16.56 | 0.69 | 0.0 | 0.0 | 17.25 | 0.0 | 0.0 | 0.0 | 17.25 |
|
|
| 4 | 30 | 01 May 2024 | | 34.01 | 16.75 | 0.5 | 0.0 | 0.0 | 17.25 | 0.0 | 0.0 | 0.0 | 17.25 |
|
|
| 5 | 31 | 01 June 2024 | | 17.11 | 16.9 | 0.35 | 0.0 | 0.0 | 17.25 | 0.0 | 0.0 | 0.0 | 17.25 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.11 | 0.17 | 0.0 | 0.0 | 17.28 | 0.0 | 0.0 | 0.0 | 17.28 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 3.53 | 0.0 | 0.0 | 103.53 | 0.0 | 0.0 | 0.0 | 103.53 |
|
|
|
|
@TestRailId:C3160
|
|
Scenario: EMI calculation with 365/Actual setup - decimal
|
|
When Admin sets the business date to "1 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_365_ACTUAL | 1 January 2024 | 100 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.68 | 16.32 | 0.81 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 2 | 29 | 01 March 2024 | | 67.18 | 16.5 | 0.63 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 3 | 31 | 01 April 2024 | | 50.59 | 16.59 | 0.54 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 4 | 30 | 01 May 2024 | | 33.85 | 16.74 | 0.39 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 5 | 31 | 01 June 2024 | | 16.99 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.13 | 0.0 | 0.0 | 17.12 | 0.0 | 0.0 | 0.0 | 17.12 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.77 | 0.0 | 0.0 | 102.77 | 0.0 | 0.0 | 0.0 | 102.77 |
|
|
|
|
@TestRailId:C3161
|
|
Scenario: EMI calculation with 360/30 setup - integer - downpayment
|
|
When Admin sets the business date to "1 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_DOWNPAYMENT | 1 January 2024 | 100 | 5 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 5 | MONTHS | 1 | MONTHS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 31 | 01 February 2024 | | 60.12 | 14.88 | 0.31 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 3 | 29 | 01 March 2024 | | 45.18 | 14.94 | 0.25 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 4 | 31 | 01 April 2024 | | 30.18 | 15.0 | 0.19 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 5 | 30 | 01 May 2024 | | 15.12 | 15.06 | 0.13 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 6 | 31 | 01 June 2024 | | 0.0 | 15.12 | 0.06 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.94 | 0.0 | 0.0 | 100.94 | 0.0 | 0.0 | 0.0 | 100.94 |
|
|
|
|
@TestRailId:C3166 @iterate
|
|
Scenario: EMI calculation with 365/Actual setup - decimal - iterate - repayment every 15 days
|
|
When Admin sets the business date to "1 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_365_ACTUAL | 1 January 2024 | 100 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 90 | DAYS | 15 | DAYS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 15 | 16 January 2024 | | 83.49 | 16.51 | 0.39 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
|
|
| 2 | 15 | 31 January 2024 | | 66.92 | 16.57 | 0.33 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
|
|
| 3 | 15 | 15 February 2024 | | 50.28 | 16.64 | 0.26 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
|
|
| 4 | 15 | 01 March 2024 | | 33.58 | 16.7 | 0.2 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
|
|
| 5 | 15 | 16 March 2024 | | 16.81 | 16.77 | 0.13 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
|
|
| 6 | 15 | 31 March 2024 | | 0.0 | 16.81 | 0.07 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.38 | 0.0 | 0.0 | 101.38 | 0.0 | 0.0 | 0.0 | 101.38 |
|
|
|
|
@TestRailId:C3167 @365ActualIterate3 @iterate
|
|
Scenario: EMI calculation with 365/Actual setup - decimal - iterate but outcome is false positive, go with original EMI
|
|
When Admin sets the business date to "1 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_365_ACTUAL | 1 January 2024 | 100 | 15.678 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.9 | 16.1 | 1.33 | 0.0 | 0.0 | 17.43 | 0.0 | 0.0 | 0.0 | 17.43 |
|
|
| 2 | 29 | 01 March 2024 | | 67.52 | 16.38 | 1.05 | 0.0 | 0.0 | 17.43 | 0.0 | 0.0 | 0.0 | 17.43 |
|
|
| 3 | 31 | 01 April 2024 | | 50.99 | 16.53 | 0.9 | 0.0 | 0.0 | 17.43 | 0.0 | 0.0 | 0.0 | 17.43 |
|
|
| 4 | 30 | 01 May 2024 | | 34.22 | 16.77 | 0.66 | 0.0 | 0.0 | 17.43 | 0.0 | 0.0 | 0.0 | 17.43 |
|
|
| 5 | 31 | 01 June 2024 | | 17.25 | 16.97 | 0.46 | 0.0 | 0.0 | 17.43 | 0.0 | 0.0 | 0.0 | 17.43 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.25 | 0.22 | 0.0 | 0.0 | 17.47 | 0.0 | 0.0 | 0.0 | 17.47 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 4.62 | 0.0 | 0.0 | 104.62 | 0.0 | 0.0 | 0.0 | 104.62 |
|
|
|
|
@TestRailId:C3194
|
|
Scenario: EMI calculation with 365/30 multidisburse setup - UC1: 2nd disbursement in 1st installment period, no repayment
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE | 01 January 2024 | 300 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "300" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
|
|
When Admin sets the business date to "08 January 2024"
|
|
When Admin successfully disburse the loan on "08 January 2024" with "200" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 08 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 250.69 | 49.31 | 2.02 | 0.0 | 0.0 | 51.33 | 0.0 | 0.0 | 0.0 | 51.33 |
|
|
| 2 | 29 | 01 March 2024 | | 201.34 | 49.35 | 1.98 | 0.0 | 0.0 | 51.33 | 0.0 | 0.0 | 0.0 | 51.33 |
|
|
| 3 | 31 | 01 April 2024 | | 151.6 | 49.74 | 1.59 | 0.0 | 0.0 | 51.33 | 0.0 | 0.0 | 0.0 | 51.33 |
|
|
| 4 | 30 | 01 May 2024 | | 101.47 | 50.13 | 1.2 | 0.0 | 0.0 | 51.33 | 0.0 | 0.0 | 0.0 | 51.33 |
|
|
| 5 | 31 | 01 June 2024 | | 50.94 | 50.53 | 0.8 | 0.0 | 0.0 | 51.33 | 0.0 | 0.0 | 0.0 | 51.33 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 50.94 | 0.4 | 0.0 | 0.0 | 51.34 | 0.0 | 0.0 | 0.0 | 51.34 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 300.0 | 7.99 | 0.0 | 0.0 | 307.99 | 0.0 | 0.0 | 0.0 | 307.99 |
|
|
|
|
# TODO unskip and check when early repayment for EMI is implemented (PS-2076, PS-1958)
|
|
@Skip @TestRailId:C3195
|
|
Scenario: EMI calculation with 365/30 multidisburse setup - UC2: 1st installment fully repaid early, then 2nd disbursement in 1std installment period, allocation rule: NEXT INSTALLMENT
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE | 01 January 2024 | 300 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "300" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
# --- Early full repayment of 1st installment ---
|
|
When Admin sets the business date to "05 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "05 January 2024" with 17.13 EUR transaction amount
|
|
# Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
# | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
# | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
# | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
|
|
# | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
# | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
# | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
# | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
# | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
# Then Loan Repayment schedule has the following data in Total row:
|
|
# | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
# | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.13 | 0.0 | 0.0 | 85.65 |
|
|
# Then Loan Transactions tab has the following data:
|
|
# | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
# | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
# | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 |
|
|
# --- 2nd disbursement in first period ---
|
|
When Admin sets the business date to "08 January 2024"
|
|
When Admin successfully disburse the loan on "08 January 2024" with "200" EUR transaction amount
|
|
# Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
# | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
# | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
# | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
|
|
# | | | 08 February 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
# | 2 | 29 | 01 March 2024 | | 227.52 | 56.14 | 1.86 | 0.0 | 0.0 | 58.0 | 0.0 | 0.0 | 0.0 | 58.0 |
|
|
# | 3 | 31 | 01 April 2024 | | 171.32 | 56.2 | 1.8 | 0.0 | 0.0 | 58.0 | 0.0 | 0.0 | 0.0 | 58.0 |
|
|
# | 4 | 30 | 01 May 2024 | | 114.67 | 56.65 | 1.35 | 0.0 | 0.0 | 58.0 | 0.0 | 0.0 | 0.0 | 58.0 |
|
|
# | 5 | 31 | 01 June 2024 | | 57.58 | 57.09 | 0.91 | 0.0 | 0.0 | 58.0 | 0.0 | 0.0 | 0.0 | 58.0 |
|
|
# | 6 | 30 | 01 July 2024 | | 0.0 | 57.58 | 0.45 | 0.0 | 0.0 | 58.03 | 0.0 | 0.0 | 0.0 | 58.03 |
|
|
# Then Loan Repayment schedule has the following data in Total row:
|
|
# | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
# | 300.0 | 7.16 | 0.0 | 0.0 | 307.16 | 17.13 | 0.0 | 0.0 | 290.03 |
|
|
# Then Loan Transactions tab has the following data:
|
|
# | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
# | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
# | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 |
|
|
# | 08 February 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 283.66 |
|
|
|
|
# TODO unskip and check when early repayment for EMI is implemented (PS-2076, PS-1958)
|
|
@Skip @TestRailId:C3196
|
|
Scenario: EMI calculation with 365/30 multidisburse setup - UC3: 1st installment fully repaid early, then 2nd disbursement in 1std installment period, allocation rule: LAST INSTALLMENT
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE" loan product "DEFAULT" transaction type to "LAST_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE | 01 January 2024 | 300 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "300" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
# --- Early full repayment of 1st installment ---
|
|
When Admin sets the business date to "05 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "05 January 2024" with 17.13 EUR transaction amount
|
|
# Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
# | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
# | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
# | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
|
|
# | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
# | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
# | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
# | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
# | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
# Then Loan Repayment schedule has the following data in Total row:
|
|
# | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
# | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.13 | 0.0 | 0.0 | 85.65 |
|
|
# Then Loan Transactions tab has the following data:
|
|
# | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
# | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
# | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 |
|
|
# --- 2nd disbursement in first period ---
|
|
When Admin sets the business date to "08 January 2024"
|
|
When Admin successfully disburse the loan on "08 January 2024" with "200" EUR transaction amount
|
|
# Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
# | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
# | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
# | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
|
|
# | | | 08 February 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
# | 2 | 29 | 01 March 2024 | | 227.52 | 56.14 | 1.86 | 0.0 | 0.0 | 58.0 | 0.0 | 0.0 | 0.0 | 58.0 |
|
|
# | 3 | 31 | 01 April 2024 | | 171.32 | 56.2 | 1.8 | 0.0 | 0.0 | 58.0 | 0.0 | 0.0 | 0.0 | 58.0 |
|
|
# | 4 | 30 | 01 May 2024 | | 114.67 | 56.65 | 1.35 | 0.0 | 0.0 | 58.0 | 0.0 | 0.0 | 0.0 | 58.0 |
|
|
# | 5 | 31 | 01 June 2024 | | 57.58 | 57.09 | 0.91 | 0.0 | 0.0 | 58.0 | 0.0 | 0.0 | 0.0 | 58.0 |
|
|
# | 6 | 30 | 01 July 2024 | | 0.0 | 57.58 | 0.45 | 0.0 | 0.0 | 58.03 | 0.0 | 0.0 | 0.0 | 58.03 |
|
|
# Then Loan Repayment schedule has the following data in Total row:
|
|
# | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
# | 300.0 | 7.16 | 0.0 | 0.0 | 307.16 | 17.13 | 0.0 | 0.0 | 290.03 |
|
|
# Then Loan Transactions tab has the following data:
|
|
# | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
# | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
# | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 |
|
|
# | 08 February 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 283.66 |
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
|
|
@TestRailId:C3197
|
|
Scenario: EMI calculation with 365/30 multidisburse setup - UC4: 1st installment fully repaid on due date, 2nd disbursement in middle of 2nd installment period
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE | 01 January 2024 | 300 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "300" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
# --- Repayment of 1st installment on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.13 | 0.0 | 0.0 | 85.65 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 |
|
|
# --- 2nd disbursement in the middle of 2nd installment period ---
|
|
When Admin sets the business date to "15 February 2024"
|
|
When Admin successfully disburse the loan on "15 February 2024" with "200" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
|
|
| | | 15 February 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 2 | 29 | 01 March 2024 | | 227.21 | 56.45 | 1.48 | 0.0 | 0.0 | 57.93 | 0.0 | 0.0 | 0.0 | 57.93 |
|
|
| 3 | 31 | 01 April 2024 | | 171.08 | 56.13 | 1.8 | 0.0 | 0.0 | 57.93 | 0.0 | 0.0 | 0.0 | 57.93 |
|
|
| 4 | 30 | 01 May 2024 | | 114.5 | 56.58 | 1.35 | 0.0 | 0.0 | 57.93 | 0.0 | 0.0 | 0.0 | 57.93 |
|
|
| 5 | 31 | 01 June 2024 | | 57.47 | 57.03 | 0.9 | 0.0 | 0.0 | 57.93 | 0.0 | 0.0 | 0.0 | 57.93 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 57.47 | 0.45 | 0.0 | 0.0 | 57.92 | 0.0 | 0.0 | 0.0 | 57.92 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 300.0 | 6.77 | 0.0 | 0.0 | 306.77 | 17.13 | 0.0 | 0.0 | 289.64 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 |
|
|
| 15 February 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 283.66 |
|
|
|
|
@TestRailId:C3198
|
|
Scenario: EMI calculation with 365/30 multidisburse setup - UC5: 1st installment fully repaid on due date, 2nd disbursement at the end of 2nd installment period
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE | 01 January 2024 | 300 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "300" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
# --- Repayment of 1st installment on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.13 | 0.0 | 0.0 | 85.65 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 |
|
|
# --- 2nd disbursement at the end of 2nd installment period ---
|
|
When Admin sets the business date to "25 February 2024"
|
|
When Admin successfully disburse the loan on "25 February 2024" with "200" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
|
|
| | | 25 February 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 2 | 29 | 01 March 2024 | | 226.78 | 56.88 | 0.94 | 0.0 | 0.0 | 57.82 | 0.0 | 0.0 | 0.0 | 57.82 |
|
|
| 3 | 31 | 01 April 2024 | | 170.75 | 56.03 | 1.79 | 0.0 | 0.0 | 57.82 | 0.0 | 0.0 | 0.0 | 57.82 |
|
|
| 4 | 30 | 01 May 2024 | | 114.28 | 56.47 | 1.35 | 0.0 | 0.0 | 57.82 | 0.0 | 0.0 | 0.0 | 57.82 |
|
|
| 5 | 31 | 01 June 2024 | | 57.36 | 56.92 | 0.9 | 0.0 | 0.0 | 57.82 | 0.0 | 0.0 | 0.0 | 57.82 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 57.36 | 0.45 | 0.0 | 0.0 | 57.81 | 0.0 | 0.0 | 0.0 | 57.81 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 300.0 | 6.22 | 0.0 | 0.0 | 306.22 | 17.13 | 0.0 | 0.0 | 289.09 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 |
|
|
| 25 February 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 283.66 |
|
|
|
|
@TestRailId:C3199
|
|
Scenario: EMI calculation with 365/30 multidisburse setup - UC6: no repayment, 2nd disbursement at the due date of 2nd installment period
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE | 01 January 2024 | 300 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "300" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
# --- 2nd disbursement at the due date of 2nd installment period ---
|
|
When Admin sets the business date to "01 March 2024"
|
|
When Admin successfully disburse the loan on "01 March 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
|
|
| | | 01 March 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 3 | 31 | 01 April 2024 | | 125.88 | 41.31 | 1.32 | 0.0 | 0.0 | 42.63 | 0.0 | 0.0 | 0.0 | 42.63 |
|
|
| 4 | 30 | 01 May 2024 | | 84.24 | 41.64 | 0.99 | 0.0 | 0.0 | 42.63 | 0.0 | 0.0 | 0.0 | 42.63 |
|
|
| 5 | 31 | 01 June 2024 | | 42.28 | 41.96 | 0.67 | 0.0 | 0.0 | 42.63 | 0.0 | 0.0 | 0.0 | 42.63 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 42.28 | 0.33 | 0.0 | 0.0 | 42.61 | 0.0 | 0.0 | 0.0 | 42.61 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 200.0 | 4.76 | 0.0 | 0.0 | 204.76 | 0.0 | 0.0 | 0.0 | 204.76 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 March 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
|
|
@TestRailId:C3200
|
|
Scenario: EMI calculation with 365/30 downpayment setup - UC1: happy path - monthly repayment
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_DOWNPAYMENT | 01 January 2024 | 100 | 5 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 5 | MONTHS | 1 | MONTHS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 31 | 01 February 2024 | | 60.12 | 14.88 | 0.31 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 3 | 29 | 01 March 2024 | | 45.18 | 14.94 | 0.25 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 4 | 31 | 01 April 2024 | | 30.18 | 15.0 | 0.19 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 5 | 30 | 01 May 2024 | | 15.12 | 15.06 | 0.13 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 6 | 31 | 01 June 2024 | | 0.0 | 15.12 | 0.06 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.94 | 0.0 | 0.0 | 100.94 | 0.0 | 0.0 | 0.0 | 100.94 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
|
|
@TestRailId:C3201
|
|
Scenario: EMI calculation with 365/30 multidisburse, downpayment setup - UC1: no repayment, 2nd disbursement in the middle of 1st period
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE_DOWNPAYMENT | 01 January 2024 | 200 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 5 | MONTHS | 1 | MONTHS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "200" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 31 | 01 February 2024 | | 60.23 | 14.77 | 0.59 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 3 | 29 | 01 March 2024 | | 45.35 | 14.88 | 0.48 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 4 | 31 | 01 April 2024 | | 30.35 | 15.0 | 0.36 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 5 | 30 | 01 May 2024 | | 15.23 | 15.12 | 0.24 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 6 | 31 | 01 June 2024 | | 0.0 | 15.23 | 0.12 | 0.0 | 0.0 | 15.35 | 0.0 | 0.0 | 0.0 | 15.35 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.79 | 0.0 | 0.0 | 101.79 | 0.0 | 0.0 | 0.0 | 101.79 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
# --- 2nd disbursement in the middle of 1st period ---
|
|
When Admin sets the business date to "15 January 2024"
|
|
When Admin successfully disburse the loan on "15 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| | | 15 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 2 | 0 | 15 January 2024 | | 150.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 3 | 31 | 01 February 2024 | | 120.26 | 29.74 | 0.92 | 0.0 | 0.0 | 30.66 | 0.0 | 0.0 | 0.0 | 30.66 |
|
|
| 4 | 29 | 01 March 2024 | | 90.55 | 29.71 | 0.95 | 0.0 | 0.0 | 30.66 | 0.0 | 0.0 | 0.0 | 30.66 |
|
|
| 5 | 31 | 01 April 2024 | | 60.61 | 29.94 | 0.72 | 0.0 | 0.0 | 30.66 | 0.0 | 0.0 | 0.0 | 30.66 |
|
|
| 6 | 30 | 01 May 2024 | | 30.43 | 30.18 | 0.48 | 0.0 | 0.0 | 30.66 | 0.0 | 0.0 | 0.0 | 30.66 |
|
|
| 7 | 31 | 01 June 2024 | | 0.0 | 30.43 | 0.24 | 0.0 | 0.0 | 30.67 | 0.0 | 0.0 | 0.0 | 30.67 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 200.0 | 3.31 | 0.0 | 0.0 | 203.31 | 0.0 | 0.0 | 0.0 | 203.31 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 15 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
|
|
@TestRailId:C3204
|
|
Scenario: EMI calculation with 365/30 downpayment setup - UC2: happy path - 2 weeks repayment
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_DOWNPAYMENT | 01 January 2024 | 100 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 10 | WEEKS | 2 | WEEKS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 14 | 15 January 2024 | | 60.11 | 14.89 | 0.28 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 3 | 14 | 29 January 2024 | | 45.16 | 14.95 | 0.22 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 4 | 14 | 12 February 2024 | | 30.16 | 15.0 | 0.17 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 5 | 14 | 26 February 2024 | | 15.1 | 15.06 | 0.11 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 6 | 14 | 11 March 2024 | | 0.0 | 15.1 | 0.06 | 0.0 | 0.0 | 15.16 | 0.0 | 0.0 | 0.0 | 15.16 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.84 | 0.0 | 0.0 | 100.84 | 0.0 | 0.0 | 0.0 | 100.84 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
|
|
@TestRailId:C3205
|
|
Scenario: EMI calculation with 365/30 downpayment setup - UC3: happy path - 30 days repayment
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_DOWNPAYMENT | 01 January 2024 | 100 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 150 | DAYS | 30 | DAYS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 30 | 31 January 2024 | | 60.23 | 14.77 | 0.59 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 3 | 30 | 01 March 2024 | | 45.35 | 14.88 | 0.48 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 4 | 30 | 31 March 2024 | | 30.35 | 15.0 | 0.36 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 5 | 30 | 30 April 2024 | | 15.23 | 15.12 | 0.24 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 6 | 30 | 30 May 2024 | | 0.0 | 15.23 | 0.12 | 0.0 | 0.0 | 15.35 | 0.0 | 0.0 | 0.0 | 15.35 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.79 | 0.0 | 0.0 | 101.79 | 0.0 | 0.0 | 0.0 | 101.79 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
|
|
@TestRailId:C3206
|
|
Scenario: EMI calculation with 365/30 downpayment setup - UC4: happy path - 15 days repayment
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_DOWNPAYMENT | 01 January 2024 | 100 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 75 | DAYS | 15 | DAYS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 15 | 16 January 2024 | | 60.12 | 14.88 | 0.3 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 3 | 15 | 31 January 2024 | | 45.18 | 14.94 | 0.24 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 4 | 15 | 15 February 2024 | | 30.18 | 15.0 | 0.18 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 5 | 15 | 01 March 2024 | | 15.12 | 15.06 | 0.12 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 6 | 15 | 16 March 2024 | | 0.0 | 15.12 | 0.06 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.9 | 0.0 | 0.0 | 100.9 | 0.0 | 0.0 | 0.0 | 100.9 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
|
|
@TestRailId:C3207
|
|
Scenario: EMI calculation with 365/30 downpayment setup - UC5: monthly repayment, partial repayment on 1st installment due date, backdated partial repayment on 1st installment due date (fully paid), 1st repayment undo
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_DOWNPAYMENT | 01 January 2024 | 100 | 5 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 5 | MONTHS | 1 | MONTHS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 31 | 01 February 2024 | | 60.12 | 14.88 | 0.31 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 3 | 29 | 01 March 2024 | | 45.18 | 14.94 | 0.25 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 4 | 31 | 01 April 2024 | | 30.18 | 15.0 | 0.19 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 5 | 30 | 01 May 2024 | | 15.12 | 15.06 | 0.13 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 6 | 31 | 01 June 2024 | | 0.0 | 15.12 | 0.06 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.94 | 0.0 | 0.0 | 100.94 | 0.0 | 0.0 | 0.0 | 100.94 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
# --- Downpayment paid on due date ---
|
|
And Customer makes "AUTOPAY" repayment on "01 January 2024" with 25 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | | 60.12 | 14.88 | 0.31 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 3 | 29 | 01 March 2024 | | 45.18 | 14.94 | 0.25 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 4 | 31 | 01 April 2024 | | 30.18 | 15.0 | 0.19 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 5 | 30 | 01 May 2024 | | 15.12 | 15.06 | 0.13 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 6 | 31 | 01 June 2024 | | 0.0 | 15.12 | 0.06 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.94 | 0.0 | 0.0 | 100.94 | 25.0 | 0.0 | 0.0 | 75.94 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 |
|
|
# --- 1st installment partially paid on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 10 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | | 60.12 | 14.88 | 0.31 | 0.0 | 0.0 | 15.19 | 10.0 | 0.0 | 0.0 | 5.19 |
|
|
| 3 | 29 | 01 March 2024 | | 45.18 | 14.94 | 0.25 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 4 | 31 | 01 April 2024 | | 30.18 | 15.0 | 0.19 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 5 | 30 | 01 May 2024 | | 15.12 | 15.06 | 0.13 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 6 | 31 | 01 June 2024 | | 0.0 | 15.12 | 0.06 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.94 | 0.0 | 0.0 | 100.94 | 35.0 | 0.0 | 0.0 | 65.94 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 |
|
|
| 01 February 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 65.0 |
|
|
# --- 1st installment fully paid by payment backdated to due date ---
|
|
When Admin sets the business date to "15 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 5.19 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 60.12 | 14.88 | 0.31 | 0.0 | 0.0 | 15.19 | 15.19 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | | 45.18 | 14.94 | 0.25 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 4 | 31 | 01 April 2024 | | 30.18 | 15.0 | 0.19 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 5 | 30 | 01 May 2024 | | 15.12 | 15.06 | 0.13 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 6 | 31 | 01 June 2024 | | 0.0 | 15.12 | 0.06 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.94 | 0.0 | 0.0 | 100.94 | 40.19 | 0.0 | 0.0 | 60.75 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 |
|
|
| 01 February 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 65.0 |
|
|
| 01 February 2024 | Repayment | 5.19 | 4.88 | 0.31 | 0.0 | 0.0 | 60.12 |
|
|
# --- First repayment reversed ---
|
|
When Admin sets the business date to "16 February 2024"
|
|
When Customer undo "1"th "Repayment" transaction made on "01 February 2024"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | | 60.12 | 14.88 | 0.31 | 0.0 | 0.0 | 15.19 | 5.19 | 0.0 | 0.0 | 10.0 |
|
|
| 3 | 29 | 01 March 2024 | | 45.18 | 14.94 | 0.25 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 4 | 31 | 01 April 2024 | | 30.18 | 15.0 | 0.19 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 5 | 30 | 01 May 2024 | | 15.12 | 15.06 | 0.13 | 0.0 | 0.0 | 15.19 | 0.0 | 0.0 | 0.0 | 15.19 |
|
|
| 6 | 31 | 01 June 2024 | | 0.0 | 15.12 | 0.06 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.94 | 0.0 | 0.0 | 100.94 | 30.19 | 0.0 | 0.0 | 70.75 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false |
|
|
| 01 February 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 65.0 | true | false |
|
|
| 01 February 2024 | Repayment | 5.19 | 5.19 | 0.0 | 0.0 | 0.0 | 69.81 | false | true |
|
|
|
|
@TestRailId:C3208
|
|
Scenario: EMI calculation with 365/30 downpayment setup - UC6: 2 weeks repayment, partial repayment on 1st installment due date, backdated partial repayment on 1st installment due date (fully paid), 1st repayment undo
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_DOWNPAYMENT | 01 January 2024 | 100 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 10 | WEEKS | 2 | WEEKS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 14 | 15 January 2024 | | 60.11 | 14.89 | 0.28 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 3 | 14 | 29 January 2024 | | 45.16 | 14.95 | 0.22 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 4 | 14 | 12 February 2024 | | 30.16 | 15.0 | 0.17 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 5 | 14 | 26 February 2024 | | 15.1 | 15.06 | 0.11 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 6 | 14 | 11 March 2024 | | 0.0 | 15.1 | 0.06 | 0.0 | 0.0 | 15.16 | 0.0 | 0.0 | 0.0 | 15.16 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.84 | 0.0 | 0.0 | 100.84 | 0.0 | 0.0 | 0.0 | 100.84 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
# --- Downpayment paid on due date ---
|
|
And Customer makes "AUTOPAY" repayment on "01 January 2024" with 25 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 14 | 15 January 2024 | | 60.11 | 14.89 | 0.28 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 3 | 14 | 29 January 2024 | | 45.16 | 14.95 | 0.22 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 4 | 14 | 12 February 2024 | | 30.16 | 15.0 | 0.17 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 5 | 14 | 26 February 2024 | | 15.1 | 15.06 | 0.11 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 6 | 14 | 11 March 2024 | | 0.0 | 15.1 | 0.06 | 0.0 | 0.0 | 15.16 | 0.0 | 0.0 | 0.0 | 15.16 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.84 | 0.0 | 0.0 | 100.84 | 25.0 | 0.0 | 0.0 | 75.84 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 |
|
|
# --- 1st installment partially paid on due date ---
|
|
When Admin sets the business date to "15 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 10 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 14 | 15 January 2024 | | 60.11 | 14.89 | 0.28 | 0.0 | 0.0 | 15.17 | 10.0 | 0.0 | 0.0 | 5.17 |
|
|
| 3 | 14 | 29 January 2024 | | 45.16 | 14.95 | 0.22 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 4 | 14 | 12 February 2024 | | 30.16 | 15.0 | 0.17 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 5 | 14 | 26 February 2024 | | 15.1 | 15.06 | 0.11 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 6 | 14 | 11 March 2024 | | 0.0 | 15.1 | 0.06 | 0.0 | 0.0 | 15.16 | 0.0 | 0.0 | 0.0 | 15.16 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.84 | 0.0 | 0.0 | 100.84 | 35.0 | 0.0 | 0.0 | 65.84 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 |
|
|
| 15 January 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 65.0 |
|
|
# --- 1st installment fully paid by payment backdated to due date ---
|
|
When Admin sets the business date to "20 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 5.17 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 14 | 15 January 2024 | 15 January 2024 | 60.11 | 14.89 | 0.28 | 0.0 | 0.0 | 15.17 | 15.17 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 14 | 29 January 2024 | | 45.16 | 14.95 | 0.22 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 4 | 14 | 12 February 2024 | | 30.16 | 15.0 | 0.17 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 5 | 14 | 26 February 2024 | | 15.1 | 15.06 | 0.11 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 6 | 14 | 11 March 2024 | | 0.0 | 15.1 | 0.06 | 0.0 | 0.0 | 15.16 | 0.0 | 0.0 | 0.0 | 15.16 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.84 | 0.0 | 0.0 | 100.84 | 40.17 | 0.0 | 0.0 | 60.67 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 |
|
|
| 15 January 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 65.0 |
|
|
| 15 January 2024 | Repayment | 5.17 | 4.89 | 0.28 | 0.0 | 0.0 | 60.11 |
|
|
# --- First repayment reversed ---
|
|
When Admin sets the business date to "21 January 2024"
|
|
When Customer undo "1"th "Repayment" transaction made on "15 January 2024"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 14 | 15 January 2024 | | 60.11 | 14.89 | 0.28 | 0.0 | 0.0 | 15.17 | 5.17 | 0.0 | 0.0 | 10.0 |
|
|
| 3 | 14 | 29 January 2024 | | 45.16 | 14.95 | 0.22 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 4 | 14 | 12 February 2024 | | 30.16 | 15.0 | 0.17 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 5 | 14 | 26 February 2024 | | 15.1 | 15.06 | 0.11 | 0.0 | 0.0 | 15.17 | 0.0 | 0.0 | 0.0 | 15.17 |
|
|
| 6 | 14 | 11 March 2024 | | 0.0 | 15.1 | 0.06 | 0.0 | 0.0 | 15.16 | 0.0 | 0.0 | 0.0 | 15.16 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.84 | 0.0 | 0.0 | 100.84 | 30.17 | 0.0 | 0.0 | 70.67 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false |
|
|
| 15 January 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 65.0 | true | false |
|
|
| 15 January 2024 | Repayment | 5.17 | 5.17 | 0.0 | 0.0 | 0.0 | 69.83 | false | true |
|
|
|
|
@TestRailId:C3209
|
|
Scenario: EMI calculation with 365/30 downpayment setup - UC7: 30 days repayment, partial repayment on 1st installment due date, backdated partial repayment on 1st installment due date (fully paid), 1st repayment undo
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_DOWNPAYMENT | 01 January 2024 | 100 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 150 | DAYS | 30 | DAYS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 30 | 31 January 2024 | | 60.23 | 14.77 | 0.59 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 3 | 30 | 01 March 2024 | | 45.35 | 14.88 | 0.48 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 4 | 30 | 31 March 2024 | | 30.35 | 15.0 | 0.36 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 5 | 30 | 30 April 2024 | | 15.23 | 15.12 | 0.24 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 6 | 30 | 30 May 2024 | | 0.0 | 15.23 | 0.12 | 0.0 | 0.0 | 15.35 | 0.0 | 0.0 | 0.0 | 15.35 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.79 | 0.0 | 0.0 | 101.79 | 0.0 | 0.0 | 0.0 | 101.79 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
# --- Downpayment paid on due date ---
|
|
And Customer makes "AUTOPAY" repayment on "01 January 2024" with 25 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 30 | 31 January 2024 | | 60.23 | 14.77 | 0.59 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 3 | 30 | 01 March 2024 | | 45.35 | 14.88 | 0.48 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 4 | 30 | 31 March 2024 | | 30.35 | 15.0 | 0.36 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 5 | 30 | 30 April 2024 | | 15.23 | 15.12 | 0.24 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 6 | 30 | 30 May 2024 | | 0.0 | 15.23 | 0.12 | 0.0 | 0.0 | 15.35 | 0.0 | 0.0 | 0.0 | 15.35 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.79 | 0.0 | 0.0 | 101.79 | 25.0 | 0.0 | 0.0 | 76.79 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 |
|
|
# --- 1st installment partially paid on due date ---
|
|
When Admin sets the business date to "31 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "31 January 2024" with 10 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 30 | 31 January 2024 | | 60.23 | 14.77 | 0.59 | 0.0 | 0.0 | 15.36 | 10.0 | 0.0 | 0.0 | 5.36 |
|
|
| 3 | 30 | 01 March 2024 | | 45.35 | 14.88 | 0.48 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 4 | 30 | 31 March 2024 | | 30.35 | 15.0 | 0.36 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 5 | 30 | 30 April 2024 | | 15.23 | 15.12 | 0.24 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 6 | 30 | 30 May 2024 | | 0.0 | 15.23 | 0.12 | 0.0 | 0.0 | 15.35 | 0.0 | 0.0 | 0.0 | 15.35 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.79 | 0.0 | 0.0 | 101.79 | 35.0 | 0.0 | 0.0 | 66.79 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 |
|
|
| 31 January 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 65.0 |
|
|
# --- 1st installment fully paid by payment backdated to due date ---
|
|
When Admin sets the business date to "10 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "31 January 2024" with 5.36 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 30 | 31 January 2024 | 31 January 2024 | 60.23 | 14.77 | 0.59 | 0.0 | 0.0 | 15.36 | 15.36 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 30 | 01 March 2024 | | 45.35 | 14.88 | 0.48 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 4 | 30 | 31 March 2024 | | 30.35 | 15.0 | 0.36 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 5 | 30 | 30 April 2024 | | 15.23 | 15.12 | 0.24 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 6 | 30 | 30 May 2024 | | 0.0 | 15.23 | 0.12 | 0.0 | 0.0 | 15.35 | 0.0 | 0.0 | 0.0 | 15.35 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.79 | 0.0 | 0.0 | 101.79 | 40.36 | 0.0 | 0.0 | 61.43 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 |
|
|
| 31 January 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 65.0 |
|
|
| 31 January 2024 | Repayment | 5.36 | 4.77 | 0.59 | 0.0 | 0.0 | 60.23 |
|
|
# --- First repayment reversed ---
|
|
When Admin sets the business date to "11 February 2024"
|
|
When Customer undo "1"th "Repayment" transaction made on "31 January 2024"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 30 | 31 January 2024 | | 60.23 | 14.77 | 0.59 | 0.0 | 0.0 | 15.36 | 5.36 | 0.0 | 0.0 | 10.0 |
|
|
| 3 | 30 | 01 March 2024 | | 45.35 | 14.88 | 0.48 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 4 | 30 | 31 March 2024 | | 30.35 | 15.0 | 0.36 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 5 | 30 | 30 April 2024 | | 15.23 | 15.12 | 0.24 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
|
|
| 6 | 30 | 30 May 2024 | | 0.0 | 15.23 | 0.12 | 0.0 | 0.0 | 15.35 | 0.0 | 0.0 | 0.0 | 15.35 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.79 | 0.0 | 0.0 | 101.79 | 30.36 | 0.0 | 0.0 | 71.43 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false |
|
|
| 31 January 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 65.0 | true | false |
|
|
| 31 January 2024 | Repayment | 5.36 | 5.36 | 0.0 | 0.0 | 0.0 | 69.64 | false | true |
|
|
|
|
@TestRailId:C3210
|
|
Scenario: EMI calculation with 365/30 downpayment setup - UC8: 15 days repayment, partial repayment on 1st installment due date, backdated partial repayment on 1st installment due date (fully paid), 1st repayment undo
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_DOWNPAYMENT | 01 January 2024 | 100 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 75 | DAYS | 15 | DAYS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 15 | 16 January 2024 | | 60.12 | 14.88 | 0.3 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 3 | 15 | 31 January 2024 | | 45.18 | 14.94 | 0.24 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 4 | 15 | 15 February 2024 | | 30.18 | 15.0 | 0.18 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 5 | 15 | 01 March 2024 | | 15.12 | 15.06 | 0.12 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 6 | 15 | 16 March 2024 | | 0.0 | 15.12 | 0.06 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.9 | 0.0 | 0.0 | 100.9 | 0.0 | 0.0 | 0.0 | 100.9 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
# --- Downpayment paid on due date ---
|
|
And Customer makes "AUTOPAY" repayment on "01 January 2024" with 25 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | | 60.12 | 14.88 | 0.3 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 3 | 15 | 31 January 2024 | | 45.18 | 14.94 | 0.24 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 4 | 15 | 15 February 2024 | | 30.18 | 15.0 | 0.18 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 5 | 15 | 01 March 2024 | | 15.12 | 15.06 | 0.12 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 6 | 15 | 16 March 2024 | | 0.0 | 15.12 | 0.06 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.9 | 0.0 | 0.0 | 100.9 | 25.0 | 0.0 | 0.0 | 75.9 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 |
|
|
# --- 1st installment partially paid on due date ---
|
|
When Admin sets the business date to "16 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 10 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | | 60.12 | 14.88 | 0.3 | 0.0 | 0.0 | 15.18 | 10.0 | 0.0 | 0.0 | 5.18 |
|
|
| 3 | 15 | 31 January 2024 | | 45.18 | 14.94 | 0.24 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 4 | 15 | 15 February 2024 | | 30.18 | 15.0 | 0.18 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 5 | 15 | 01 March 2024 | | 15.12 | 15.06 | 0.12 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 6 | 15 | 16 March 2024 | | 0.0 | 15.12 | 0.06 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.9 | 0.0 | 0.0 | 100.9 | 35.0 | 0.0 | 0.0 | 65.9 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 |
|
|
| 16 January 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 65.0 |
|
|
# --- 1st installment fully paid by payment backdated to due date ---
|
|
When Admin sets the business date to "20 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 5.18 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 16 January 2024 | 60.12 | 14.88 | 0.3 | 0.0 | 0.0 | 15.18 | 15.18 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | | 45.18 | 14.94 | 0.24 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 4 | 15 | 15 February 2024 | | 30.18 | 15.0 | 0.18 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 5 | 15 | 01 March 2024 | | 15.12 | 15.06 | 0.12 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 6 | 15 | 16 March 2024 | | 0.0 | 15.12 | 0.06 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.9 | 0.0 | 0.0 | 100.9 | 40.18 | 0.0 | 0.0 | 60.72 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 |
|
|
| 16 January 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 65.0 |
|
|
| 16 January 2024 | Repayment | 5.18 | 4.88 | 0.3 | 0.0 | 0.0 | 60.12 |
|
|
# --- First repayment reversed ---
|
|
When Admin sets the business date to "21 January 2024"
|
|
When Customer undo "1"th "Repayment" transaction made on "16 January 2024"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | | 60.12 | 14.88 | 0.3 | 0.0 | 0.0 | 15.18 | 5.18 | 0.0 | 0.0 | 10.0 |
|
|
| 3 | 15 | 31 January 2024 | | 45.18 | 14.94 | 0.24 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 4 | 15 | 15 February 2024 | | 30.18 | 15.0 | 0.18 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 5 | 15 | 01 March 2024 | | 15.12 | 15.06 | 0.12 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
| 6 | 15 | 16 March 2024 | | 0.0 | 15.12 | 0.06 | 0.0 | 0.0 | 15.18 | 0.0 | 0.0 | 0.0 | 15.18 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.9 | 0.0 | 0.0 | 100.9 | 30.18 | 0.0 | 0.0 | 70.72 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false |
|
|
| 16 January 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 65.0 | true | false |
|
|
| 16 January 2024 | Repayment | 5.18 | 5.18 | 0.0 | 0.0 | 0.0 | 69.82 | false | true |
|
|
|
|
@TestRailId:C3211
|
|
Scenario: Verify the Pay-off transaction - UC1: 360/30, regular payment, preClosureInterestCalculationStrategy = till pre-close date
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st installment paid on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# --- Pay-off between 1st and 2nd installment ---
|
|
When Admin sets the business date to "15 February 2024"
|
|
When Loan Pay-off is made on "15 February 2024"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 February 2024 | 66.8 | 16.77 | 0.24 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 15 February 2024 | 49.79 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 15 February 2024 | 32.78 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 15 February 2024 | 15.77 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 15 February 2024 | 0.0 | 15.77 | 0.0 | 0.0 | 0.0 | 15.77 | 15.77 | 15.77 | 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 |
|
|
| 100.0 | 0.82 | 0.0 | 0.0 | 100.82 | 100.82 | 83.81 | 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 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 15 February 2024 | Repayment | 83.81 | 83.57 | 0.24 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan's all installments have obligations met
|
|
|
|
@TestRailId:C3212
|
|
Scenario: Verify the Pay-off transaction - UC2: 360/30, regular payment, preClosureInterestCalculationStrategy = till rest frequency date
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st installment paid on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# --- Pay-off between 1st and 2nd installment ---
|
|
When Admin sets the business date to "15 February 2024"
|
|
When Loan Pay-off is made on "15 February 2024"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 February 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 15 February 2024 | 50.04 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 15 February 2024 | 33.03 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 15 February 2024 | 16.02 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 15 February 2024 | 0.0 | 16.02 | 0.0 | 0.0 | 0.0 | 16.02 | 16.02 | 16.02 | 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 |
|
|
| 100.0 | 1.07 | 0.0 | 0.0 | 101.07 | 101.07 | 84.06 | 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 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 15 February 2024 | Repayment | 84.06 | 83.57 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan's all installments have obligations met
|
|
|
|
@TestRailId:C3213
|
|
Scenario: Verify the Pay-off transaction - UC3: 360/30, pre-close on overdue loan, preClosureInterestCalculationStrategy = till pre-close date
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- Pay-off between 1st and 2nd installment, 1st installment is overdue ---
|
|
When Admin sets the business date to "15 February 2024"
|
|
When Loan Pay-off is made on "15 February 2024"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 15 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 17.01 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 February 2024 | 66.84 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 15 February 2024 | 49.83 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 15 February 2024 | 32.82 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 15 February 2024 | 15.81 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 15 February 2024 | 0.0 | 15.81 | 0.0 | 0.0 | 0.0 | 15.81 | 15.81 | 15.81 | 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 |
|
|
| 100.0 | 0.86 | 0.0 | 0.0 | 100.86 | 100.86 | 83.85 | 17.01 | 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 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 15 February 2024 | Repayment | 100.86 | 100.0 | 0.86 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan's all installments have obligations met
|
|
|
|
@TestRailId:C3214
|
|
Scenario: Verify the Pay-off transaction - UC2: 360/30, pre-close on overdue loan, preClosureInterestCalculationStrategy = till rest frequency date
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- Pay-off between 1st and 2nd installment, 1st installment is overdue ---
|
|
When Admin sets the business date to "15 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 101.11 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 15 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 17.01 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 February 2024 | 67.09 | 16.48 | 0.53 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 15 February 2024 | 50.08 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 15 February 2024 | 33.07 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 15 February 2024 | 16.06 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 15 February 2024 | 0.0 | 16.06 | 0.0 | 0.0 | 0.0 | 16.06 | 16.06 | 16.06 | 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 |
|
|
| 100.0 | 1.11 | 0.0 | 0.0 | 101.11 | 101.11 | 84.1 | 17.01 | 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 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 15 February 2024 | Repayment | 101.11 | 100.0 | 1.11 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan's all installments have obligations met
|
|
|
|
# TODO unskip and check when PS-2037 is done
|
|
@Skip @TestRailId:C3215
|
|
Scenario: Verify the Loan reschedule - Interest modification - UC1: Interest modification on 1st installment due date (installment paid), effective from next day
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st installment paid on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# --- Loan reschedule: Interest rate modification effective from next day ---
|
|
When Admin creates and approves Loan reschedule with the following data:
|
|
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
|
| 02 February 2024 | 01 February 2024 | | | | | 4 |
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
|
| 3 | 31 | 01 April 2024 | | 50.31 | 16.66 | 0.22 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
|
| 4 | 30 | 01 May 2024 | | 33.6 | 16.71 | 0.17 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
|
| 5 | 31 | 01 June 2024 | | 16.83 | 16.77 | 0.11 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.83 | 0.06 | 0.0 | 0.0 | 16.89 | 0.0 | 0.0 | 0.0 | 16.89 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.42 | 0.0 | 0.0 | 101.42 | 17.01 | 0.0 | 0.0 | 84.41 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
|
|
# TODO unskip and check when PS-2037 is done
|
|
@Skip @TestRailId:C3216
|
|
Scenario: Verify the Loan reschedule - Interest modification - UC2: Interest modification between 1st and 2nd installment due date (1st installment paid)
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st installment paid on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# --- Loan reschedule: Interest rate modification between two installments ---
|
|
When Admin sets the business date to "14 February 2024"
|
|
When Admin creates and approves Loan reschedule with the following data:
|
|
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
|
| 15 February 2024 | 14 February 2024 | | | | | 4 |
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.04 | 16.53 | 0.37 | 0.0 | 0.0 | 16.90 | 0.0 | 0.0 | 0.0 | 16.90 |
|
|
| 3 | 31 | 01 April 2024 | | 50.36 | 16.68 | 0.22 | 0.0 | 0.0 | 16.90 | 0.0 | 0.0 | 0.0 | 16.90 |
|
|
| 4 | 30 | 01 May 2024 | | 33.63 | 16.73 | 0.17 | 0.0 | 0.0 | 16.90 | 0.0 | 0.0 | 0.0 | 16.90 |
|
|
| 5 | 31 | 01 June 2024 | | 16.84 | 16.79 | 0.11 | 0.0 | 0.0 | 16.90 | 0.0 | 0.0 | 0.0 | 16.90 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.84 | 0.06 | 0.0 | 0.0 | 16.90 | 0.0 | 0.0 | 0.0 | 16.90 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.51 | 0.0 | 0.0 | 101.51 | 17.01 | 0.0 | 0.0 | 84.5 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
|
|
@TestRailId:C3217
|
|
Scenario: Verify the Loan reschedule - Interest modification - UC3: Interest modification results an error when rescheduleFromDate equals business date
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
When Admin sets the business date to "14 February 2024"
|
|
Then Loan reschedule with the following data results a 403 error and "LOAN_RESCHEDULE_DATE_NOT_IN_FUTURE" error message
|
|
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
|
| 14 February 2024 | 14 February 2024 | | 0 | 0 | 0 | 4 |
|
|
|
|
@TestRailId:C3218
|
|
Scenario: Verify the Loan reschedule - Interest modification - UC4: Interest modification results an error when rescheduleFromDate is earlier than business date
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
When Admin sets the business date to "14 February 2024"
|
|
Then Loan reschedule with the following data results a 403 error and "LOAN_RESCHEDULE_DATE_NOT_IN_FUTURE" error message
|
|
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
|
| 13 February 2024 | 14 February 2024 | | 0 | 0 | 0 | 4 |
|
|
|
|
@TestRailId:C3219
|
|
Scenario: Verify Repayment schedule in case of 2nd disbursement (created on business date before 1st installment) is backdated to before 1st disbursement
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE_DOWNPAYMENT | 01 January 2024 | 1000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin sets the business date to "05 January 2024"
|
|
When Admin successfully disburse the loan on "05 January 2024" with "200" EUR transaction amount
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 05 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 05 January 2024 | | 150.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 |
|
|
| 2 | 31 | 05 February 2024 | | 125.62 | 24.38 | 1.5 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 3 | 29 | 05 March 2024 | | 101.0 | 24.62 | 1.26 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 4 | 31 | 05 April 2024 | | 76.13 | 24.87 | 1.01 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 5 | 30 | 05 May 2024 | | 51.01 | 25.12 | 0.76 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 6 | 31 | 05 June 2024 | | 25.64 | 25.37 | 0.51 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 7 | 30 | 05 July 2024 | | 0.0 | 25.64 | 0.26 | 0.0 | 0.0 | 25.9 | 0.0 | 0.0 | 0.0 | 25.9 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 200.0 | 5.3 | 0.0 | 0.0 | 205.3 | 0.0 | 0.0 | 0.0 | 205.3 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 05 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
|
|
When Admin sets the business date to "08 January 2024"
|
|
When Admin successfully disburse the loan on "03 January 2024" with "350" EUR transaction amount
|
|
Then Loan Repayment schedule has 8 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 |
|
|
| | | 03 January 2024 | | 350.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 03 January 2024 | | 262.5 | 87.5 | 0.0 | 0.0 | 0.0 | 87.5 | 0.0 | 0.0 | 0.0 | 87.5 |
|
|
| | | 05 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 2 | 0 | 05 January 2024 | | 412.5 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 |
|
|
| 3 | 31 | 03 February 2024 | | 345.37 | 67.13 | 4.03 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 4 | 29 | 03 March 2024 | | 277.66 | 67.71 | 3.45 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 5 | 31 | 03 April 2024 | | 209.28 | 68.38 | 2.78 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 6 | 30 | 03 May 2024 | | 140.21 | 69.07 | 2.09 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 7 | 31 | 03 June 2024 | | 70.45 | 69.76 | 1.4 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 8 | 30 | 03 July 2024 | | 0.0 | 70.45 | 0.7 | 0.0 | 0.0 | 71.15 | 0.0 | 0.0 | 0.0 | 71.15 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 550.0 | 14.45 | 0.0 | 0.0 | 564.45 | 0.0 | 0.0 | 0.0 | 564.45 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 03 January 2024 | Disbursement | 350.0 | 0.0 | 0.0 | 0.0 | 0.0 | 350.0 | false | false |
|
|
| 05 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 550.0 | false | false |
|
|
|
|
@TestRailId:C3220
|
|
Scenario: Verify Repayment schedule in case of 2nd disbursement (created on business date after unpaid 1st installment) is backdated to before 1st disbursement
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE_DOWNPAYMENT | 01 January 2024 | 1000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin sets the business date to "05 January 2024"
|
|
When Admin successfully disburse the loan on "05 January 2024" with "200" EUR transaction amount
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 05 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 05 January 2024 | | 150.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 |
|
|
| 2 | 31 | 05 February 2024 | | 125.62 | 24.38 | 1.5 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 3 | 29 | 05 March 2024 | | 101.0 | 24.62 | 1.26 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 4 | 31 | 05 April 2024 | | 76.13 | 24.87 | 1.01 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 5 | 30 | 05 May 2024 | | 51.01 | 25.12 | 0.76 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 6 | 31 | 05 June 2024 | | 25.64 | 25.37 | 0.51 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 7 | 30 | 05 July 2024 | | 0.0 | 25.64 | 0.26 | 0.0 | 0.0 | 25.9 | 0.0 | 0.0 | 0.0 | 25.9 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 200.0 | 5.3 | 0.0 | 0.0 | 205.3 | 0.0 | 0.0 | 0.0 | 205.3 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 05 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
|
|
When Admin sets the business date to "08 February 2024"
|
|
When Admin successfully disburse the loan on "03 January 2024" with "350" EUR transaction amount
|
|
Then Loan Repayment schedule has 8 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 |
|
|
| | | 03 January 2024 | | 350.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 03 January 2024 | | 262.5 | 87.5 | 0.0 | 0.0 | 0.0 | 87.5 | 0.0 | 0.0 | 0.0 | 87.5 |
|
|
| | | 05 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 2 | 0 | 05 January 2024 | | 412.5 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 |
|
|
| 3 | 31 | 03 February 2024 | | 345.37 | 67.13 | 4.03 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 4 | 29 | 03 March 2024 | | 277.66 | 67.71 | 3.45 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 5 | 31 | 03 April 2024 | | 209.28 | 68.38 | 2.78 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 6 | 30 | 03 May 2024 | | 140.21 | 69.07 | 2.09 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 7 | 31 | 03 June 2024 | | 70.45 | 69.76 | 1.4 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 8 | 30 | 03 July 2024 | | 0.0 | 70.45 | 0.7 | 0.0 | 0.0 | 71.15 | 0.0 | 0.0 | 0.0 | 71.15 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 550.0 | 14.45 | 0.0 | 0.0 | 564.45 | 0.0 | 0.0 | 0.0 | 564.45 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 03 January 2024 | Disbursement | 350.0 | 0.0 | 0.0 | 0.0 | 0.0 | 350.0 | false | false |
|
|
| 05 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 550.0 | false | false |
|
|
|
|
@TestRailId:C3221
|
|
Scenario: Verify Repayment schedule in case of 2nd disbursement (created on business date after unpaid 1st installment) is backdated to before 1st disbursement - downpayment paid
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE_DOWNPAYMENT | 01 January 2024 | 1000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin sets the business date to "05 January 2024"
|
|
When Admin successfully disburse the loan on "05 January 2024" with "200" EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "05 January 2024" with 50 EUR transaction amount
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 05 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 05 January 2024 | 05 January 2024 | 150.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 05 February 2024 | | 125.62 | 24.38 | 1.5 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 3 | 29 | 05 March 2024 | | 101.0 | 24.62 | 1.26 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 4 | 31 | 05 April 2024 | | 76.13 | 24.87 | 1.01 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 5 | 30 | 05 May 2024 | | 51.01 | 25.12 | 0.76 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 6 | 31 | 05 June 2024 | | 25.64 | 25.37 | 0.51 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 7 | 30 | 05 July 2024 | | 0.0 | 25.64 | 0.26 | 0.0 | 0.0 | 25.9 | 0.0 | 0.0 | 0.0 | 25.9 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 200.0 | 5.3 | 0.0 | 0.0 | 205.3 | 50.0 | 0.0 | 0.0 | 155.3 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 05 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
|
|
| 05 January 2024 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | false | false |
|
|
When Admin sets the business date to "08 February 2024"
|
|
When Admin successfully disburse the loan on "03 January 2024" with "350" EUR transaction amount
|
|
Then Loan Repayment schedule has 8 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 |
|
|
| | | 03 January 2024 | | 350.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 03 January 2024 | | 262.5 | 87.5 | 0.0 | 0.0 | 0.0 | 87.5 | 50.0 | 0.0 | 50.0 | 37.5 |
|
|
| | | 05 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 2 | 0 | 05 January 2024 | | 412.5 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 |
|
|
| 3 | 31 | 03 February 2024 | | 345.37 | 67.13 | 4.03 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 4 | 29 | 03 March 2024 | | 277.66 | 67.71 | 3.45 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 5 | 31 | 03 April 2024 | | 209.28 | 68.38 | 2.78 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 6 | 30 | 03 May 2024 | | 140.21 | 69.07 | 2.09 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 7 | 31 | 03 June 2024 | | 70.45 | 69.76 | 1.4 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 8 | 30 | 03 July 2024 | | 0.0 | 70.45 | 0.7 | 0.0 | 0.0 | 71.15 | 0.0 | 0.0 | 0.0 | 71.15 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 550.0 | 14.45 | 0.0 | 0.0 | 564.45 | 50.0 | 0.0 | 50.0 | 514.45 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 03 January 2024 | Disbursement | 350.0 | 0.0 | 0.0 | 0.0 | 0.0 | 350.0 | false | false |
|
|
| 05 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 550.0 | false | false |
|
|
| 05 January 2024 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
|
|
@TestRailId:C3222
|
|
Scenario: Verify Repayment schedule in case of 2nd disbursement (created on business date after paid 1st installment) is backdated to before 1st disbursement - downpayment paid
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE_DOWNPAYMENT | 01 January 2024 | 1000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
# --- 1st disbursement ---
|
|
When Admin sets the business date to "05 January 2024"
|
|
When Admin successfully disburse the loan on "05 January 2024" with "200" EUR transaction amount
|
|
# --- 1st disbursement downpayment paid ---
|
|
And Customer makes "AUTOPAY" repayment on "05 January 2024" with 50 EUR transaction amount
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 05 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 05 January 2024 | 05 January 2024 | 150.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 05 February 2024 | | 125.62 | 24.38 | 1.5 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 3 | 29 | 05 March 2024 | | 101.0 | 24.62 | 1.26 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 4 | 31 | 05 April 2024 | | 76.13 | 24.87 | 1.01 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 5 | 30 | 05 May 2024 | | 51.01 | 25.12 | 0.76 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 6 | 31 | 05 June 2024 | | 25.64 | 25.37 | 0.51 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 7 | 30 | 05 July 2024 | | 0.0 | 25.64 | 0.26 | 0.0 | 0.0 | 25.9 | 0.0 | 0.0 | 0.0 | 25.9 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 200.0 | 5.3 | 0.0 | 0.0 | 205.3 | 50.0 | 0.0 | 0.0 | 155.3 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 05 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
|
|
| 05 January 2024 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | false | false |
|
|
# --- 1st installment paid ---
|
|
When Admin sets the business date to "05 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "05 February 2024" with 25.88 EUR transaction amount
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 05 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 05 January 2024 | 05 January 2024 | 150.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 05 February 2024 | 05 February 2024 | 125.62 | 24.38 | 1.5 | 0.0 | 0.0 | 25.88 | 25.88 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 05 March 2024 | | 101.0 | 24.62 | 1.26 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 4 | 31 | 05 April 2024 | | 76.13 | 24.87 | 1.01 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 5 | 30 | 05 May 2024 | | 51.01 | 25.12 | 0.76 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 6 | 31 | 05 June 2024 | | 25.64 | 25.37 | 0.51 | 0.0 | 0.0 | 25.88 | 0.0 | 0.0 | 0.0 | 25.88 |
|
|
| 7 | 30 | 05 July 2024 | | 0.0 | 25.64 | 0.26 | 0.0 | 0.0 | 25.9 | 0.0 | 0.0 | 0.0 | 25.9 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 200.0 | 5.3 | 0.0 | 0.0 | 205.3 | 75.88 | 0.0 | 0.0 | 129.42 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 05 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
|
|
| 05 January 2024 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | false | false |
|
|
| 05 February 2024 | Repayment | 25.88 | 24.38 | 1.5 | 0.0 | 0.0 | 125.62 | false | false |
|
|
# --- Backdated second disbursement ---
|
|
When Admin sets the business date to "08 February 2024"
|
|
When Admin successfully disburse the loan on "03 January 2024" with "350" EUR transaction amount
|
|
Then Loan Repayment schedule has 8 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 |
|
|
| | | 03 January 2024 | | 350.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 03 January 2024 | | 262.5 | 87.5 | 0.0 | 0.0 | 0.0 | 87.5 | 75.88 | 0.0 | 75.88 | 11.62 |
|
|
| | | 05 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 2 | 0 | 05 January 2024 | | 412.5 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 |
|
|
| 3 | 31 | 03 February 2024 | | 345.37 | 67.13 | 4.03 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 4 | 29 | 03 March 2024 | | 277.66 | 67.71 | 3.45 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 5 | 31 | 03 April 2024 | | 209.28 | 68.38 | 2.78 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 6 | 30 | 03 May 2024 | | 140.21 | 69.07 | 2.09 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 7 | 31 | 03 June 2024 | | 70.45 | 69.76 | 1.4 | 0.0 | 0.0 | 71.16 | 0.0 | 0.0 | 0.0 | 71.16 |
|
|
| 8 | 30 | 03 July 2024 | | 0.0 | 70.45 | 0.7 | 0.0 | 0.0 | 71.15 | 0.0 | 0.0 | 0.0 | 71.15 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 550.0 | 14.45 | 0.0 | 0.0 | 564.45 | 75.88 | 0.0 | 75.88 | 488.57 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 03 January 2024 | Disbursement | 350.0 | 0.0 | 0.0 | 0.0 | 0.0 | 350.0 | false | false |
|
|
| 05 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 550.0 | false | false |
|
|
| 05 January 2024 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
| 05 February 2024 | Repayment | 25.88 | 25.88 | 0.0 | 0.0 | 0.0 | 474.12 | false | true |
|
|
|
|
@TestRailId:C3226
|
|
Scenario: Verify interest recalculation in case of overdue installments: UC1 - 1st installment overdue, interest recalculation: daily, till preclose
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st installment overdue ---
|
|
When Admin sets the business date to "15 February 2024"
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.09 | 16.48 | 0.53 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.47 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.75 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.94 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.94 | 0.1 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 0.0 | 0.0 | 0.0 | 102.09 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 February 2024 | Accrual | 0.24 | 0.0 | 0.24 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3227
|
|
Scenario: Verify interest recalculation in case of overdue installments: UC2 - 1st installment overdue, interest recalculation: daily, till rest frequency date
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st installment overdue ---
|
|
When Admin sets the business date to "15 February 2024"
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.09 | 16.48 | 0.53 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.47 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.75 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.94 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.94 | 0.1 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 0.0 | 0.0 | 0.0 | 102.09 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 February 2024 | Accrual | 0.24 | 0.0 | 0.24 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3228
|
|
Scenario: Verify interest recalculation in case of overdue installments: UC3 - 1st installment overdue, interest recalculation: same as repayment period, till preclose
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_SARP_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st installment overdue ---
|
|
When Admin sets the business date to "15 February 2024"
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.14 | 0.0 | 0.0 | 102.14 | 0.0 | 0.0 | 0.0 | 102.14 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 February 2024 | Accrual | 0.26 | 0.0 | 0.26 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3229
|
|
Scenario: Verify interest recalculation in case of overdue installments: UC4 - 1st installment overdue, interest recalculation: same as repayment period, till rest frequency date
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_SARP_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st installment overdue ---
|
|
When Admin sets the business date to "15 February 2024"
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.14 | 0.0 | 0.0 | 102.14 | 0.0 | 0.0 | 0.0 | 102.14 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 February 2024 | Accrual | 0.26 | 0.0 | 0.26 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3230
|
|
Scenario: Verify interest recalculation in case of overdue installments: UC5 - 1st and 2nd installment overdue, interest recalculation: daily, till preclose
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st and 2nd installment overdue ---
|
|
When Admin sets the business date to "10 March 2024"
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.58 | 16.56 | 0.45 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.87 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 17.06 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.06 | 0.1 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.21 | 0.0 | 0.0 | 102.21 | 0.0 | 0.0 | 0.0 | 102.21 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.49 | 0.0 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.09 | 0.0 | 0.09 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 March 2024 | Accrual | 0.12 | 0.0 | 0.12 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3231
|
|
Scenario: Verify interest recalculation in case of overdue installments: UC6 - 1st and 2nd installment overdue, interest recalculation: daily, till rest frequency date
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st and 2nd installment overdue ---
|
|
When Admin sets the business date to "10 March 2024"
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.58 | 16.56 | 0.45 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.87 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 17.06 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.06 | 0.1 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.21 | 0.0 | 0.0 | 102.21 | 0.0 | 0.0 | 0.0 | 102.21 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.49 | 0.0 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.09 | 0.0 | 0.09 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 March 2024 | Accrual | 0.12 | 0.0 | 0.12 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3232
|
|
Scenario: Verify interest recalculation in case of overdue installments: UC7 - 1st and 2nd installment overdue, interest recalculation: same as repayment period, till preclose
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_SARP_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st and 2nd installment overdue ---
|
|
When Admin sets the business date to "10 March 2024"
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.71 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 34.0 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 17.19 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.19 | 0.1 | 0.0 | 0.0 | 17.29 | 0.0 | 0.0 | 0.0 | 17.29 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.34 | 0.0 | 0.0 | 102.34 | 0.0 | 0.0 | 0.0 | 102.34 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.49 | 0.0 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.09 | 0.0 | 0.09 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 March 2024 | Accrual | 0.15 | 0.0 | 0.15 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3233
|
|
Scenario: Verify interest recalculation in case of overdue installments: UC8 - 1st and 2nd installment overdue, interest recalculation: same as repayment period, till rest frequency date
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_SARP_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st and 2nd installment overdue ---
|
|
When Admin sets the business date to "10 March 2024"
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.71 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 34.0 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 17.19 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.19 | 0.1 | 0.0 | 0.0 | 17.29 | 0.0 | 0.0 | 0.0 | 17.29 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.34 | 0.0 | 0.0 | 102.34 | 0.0 | 0.0 | 0.0 | 102.34 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.49 | 0.0 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.09 | 0.0 | 0.09 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 March 2024 | Accrual | 0.15 | 0.0 | 0.15 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3234
|
|
Scenario: Verify interest recalculation in case of overdue installments: UC9 - 1st installment paid on due date, 2nd installment overdue, interest recalculation: daily, till preclose
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st installment paid on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# --- 2nd installment overdue ---
|
|
When Admin sets the business date to "10 March 2024"
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.46 | 16.59 | 0.42 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.74 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.93 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.93 | 0.1 | 0.0 | 0.0 | 17.03 | 0.0 | 0.0 | 0.0 | 17.03 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.08 | 0.0 | 0.0 | 102.08 | 17.01 | 0.0 | 0.0 | 85.07 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.49 | 0.0 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 March 2024 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3235
|
|
Scenario: Verify interest recalculation in case of overdue installments: UC10 - 1st installment paid on due date, 2nd installment overdue, interest recalculation: daily, till rest frequency date
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st installment paid on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# --- 2nd installment overdue ---
|
|
When Admin sets the business date to "10 March 2024"
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.46 | 16.59 | 0.42 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.74 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.93 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.93 | 0.1 | 0.0 | 0.0 | 17.03 | 0.0 | 0.0 | 0.0 | 17.03 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.08 | 0.0 | 0.0 | 102.08 | 17.01 | 0.0 | 0.0 | 85.07 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.49 | 0.0 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 March 2024 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3236
|
|
Scenario: Verify interest recalculation in case of overdue installments: UC11 - 1st installment paid on due date, 2nd installment overdue, interest recalculation: same as repayment period, till preclose
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_SARP_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st installment paid on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# --- 2nd installment overdue ---
|
|
When Admin sets the business date to "10 March 2024"
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.15 | 0.0 | 0.0 | 102.15 | 17.01 | 0.0 | 0.0 | 85.14 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.49 | 0.0 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 March 2024 | Accrual | 0.13 | 0.0 | 0.13 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3237
|
|
Scenario: Verify interest recalculation in case of overdue installments: UC12 - 1st installment paid on due date, 2nd installment overdue, interest recalculation: same as repayment period, till rest frequency date
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_SARP_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st installment paid on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# --- 2nd installment overdue ---
|
|
When Admin sets the business date to "10 March 2024"
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.15 | 0.0 | 0.0 | 102.15 | 17.01 | 0.0 | 0.0 | 85.14 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.49 | 0.0 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 March 2024 | Accrual | 0.13 | 0.0 | 0.13 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3238
|
|
Scenario: Verify interest recalculation in case of overdue installments: UC13 - 1st installment paid on due date, 2nd installment overdue with partial late repayment, interest recalculation: daily, till preclose
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st installment paid on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# --- 2nd installment paid partially and late ---
|
|
When Admin sets the business date to "05 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "05 March 2024" with 10 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 10.0 | 7.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.44 | 16.61 | 0.4 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.72 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.91 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.91 | 0.1 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.06 | 0.0 | 0.0 | 102.06 | 27.01 | 0.0 | 10.0 | 75.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 05 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 73.57 | false | false |
|
|
# --- 2nd installment overdue ---
|
|
When Admin sets the business date to "10 March 2024"
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 10.0 | 7.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.45 | 16.6 | 0.41 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.73 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.92 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.92 | 0.1 | 0.0 | 0.0 | 17.02 | 0.0 | 0.0 | 0.0 | 17.02 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.07 | 0.0 | 0.0 | 102.07 | 27.01 | 0.0 | 10.0 | 75.06 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.49 | 0.0 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 73.57 | false | false |
|
|
| 09 March 2024 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3239
|
|
Scenario: Verify interest recalculation in case of overdue installments: UC14 - 1st installment paid on due date, 2nd installment overdue with partial late repayment, interest recalculation: daily, till rest frequency date
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st installment paid on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# --- 2nd installment paid partially and late ---
|
|
When Admin sets the business date to "05 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "05 March 2024" with 10 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 10.0 | 7.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.44 | 16.61 | 0.4 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.72 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.91 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.91 | 0.1 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.06 | 0.0 | 0.0 | 102.06 | 27.01 | 0.0 | 10.0 | 75.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 05 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 73.57 | false | false |
|
|
# --- 2nd installment overdue ---
|
|
When Admin sets the business date to "10 March 2024"
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 10.0 | 7.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.45 | 16.6 | 0.41 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.73 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.92 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.92 | 0.1 | 0.0 | 0.0 | 17.02 | 0.0 | 0.0 | 0.0 | 17.02 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.07 | 0.0 | 0.0 | 102.07 | 27.01 | 0.0 | 10.0 | 75.06 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.49 | 0.0 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 73.57 | false | false |
|
|
| 09 March 2024 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3240
|
|
Scenario: Verify interest recalculation in case of overdue installments: UC15 - 1st installment paid on due date, 2nd installment overdue, interest recalculation: same as repayment period, till preclose
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_SARP_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st installment paid on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# --- 2nd installment paid partially and late ---
|
|
When Admin sets the business date to "05 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "05 March 2024" with 10 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 10.0 | 7.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.15 | 0.0 | 0.0 | 102.15 | 27.01 | 0.0 | 10.0 | 75.14 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 05 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 73.57 | false | false |
|
|
# --- 2nd installment overdue ---
|
|
When Admin sets the business date to "10 March 2024"
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 10.0 | 7.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.15 | 0.0 | 0.0 | 102.15 | 27.01 | 0.0 | 10.0 | 75.14 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.49 | 0.0 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 73.57 | false | false |
|
|
| 09 March 2024 | Accrual | 0.13 | 0.0 | 0.13 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3241
|
|
Scenario: Verify interest recalculation in case of overdue installments: UC16 - 1st installment paid on due date, 2nd installment overdue, interest recalculation: same as repayment period, till rest frequency date
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_SARP_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- 1st installment paid on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# --- 2nd installment paid partially and late ---
|
|
When Admin sets the business date to "05 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "05 March 2024" with 10 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 10.0 | 7.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.15 | 0.0 | 0.0 | 102.15 | 27.01 | 0.0 | 10.0 | 75.14 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 05 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 73.57 | false | false |
|
|
# --- 2nd installment overdue ---
|
|
When Admin sets the business date to "10 March 2024"
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 10.0 | 7.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.15 | 0.0 | 0.0 | 102.15 | 27.01 | 0.0 | 10.0 | 75.14 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.49 | 0.0 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 73.57 | false | false |
|
|
| 09 March 2024 | Accrual | 0.13 | 0.0 | 0.13 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3244
|
|
Scenario: Verify support of interest rate calculation with frequency Whole term configured for progressive loan
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_WHOLE_TERM | 01 January 2024 | 100 | 4 | 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 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 75.37 | 24.63 | 1.0 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
|
|
| 2 | 29 | 01 March 2024 | | 50.49 | 24.88 | 0.75 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
|
|
| 3 | 31 | 01 April 2024 | | 25.36 | 25.13 | 0.5 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 25.36 | 0.25 | 0.0 | 0.0 | 25.61 | 0.0 | 0.0 | 0.0 | 25.61 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.50 | 0.0 | 0.0 | 102.50 | 0.0 | 0.0 | 0.0 | 102.50 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 100.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
|
|
# -- create other progressive loan with 12% interest rate and frequency PerYear to check that data should match for both loans
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 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 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 75.37 | 24.63 | 1.0 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
|
|
| 2 | 29 | 01 March 2024 | | 50.49 | 24.88 | 0.75 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
|
|
| 3 | 31 | 01 April 2024 | | 25.36 | 25.13 | 0.5 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 25.36 | 0.25 | 0.0 | 0.0 | 25.61 | 0.0 | 0.0 | 0.0 | 25.61 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.50 | 0.0 | 0.0 | 102.50 | 0.0 | 0.0 | 0.0 | 102.50 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 100.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
|
|
|
|
@TestRailId:C3287
|
|
Scenario: Verify support of interest rate calculation with frequency Whole term configured for progressive loan on loan account level
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with interestRateFrequencyType and 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 | interestRateFrequencyType |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 4 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | WHOLE_TERM |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 75.37 | 24.63 | 1.0 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
|
|
| 2 | 29 | 01 March 2024 | | 50.49 | 24.88 | 0.75 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
|
|
| 3 | 31 | 01 April 2024 | | 25.36 | 25.13 | 0.5 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 25.36 | 0.25 | 0.0 | 0.0 | 25.61 | 0.0 | 0.0 | 0.0 | 25.61 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.50 | 0.0 | 0.0 | 102.50 | 0.0 | 0.0 | 0.0 | 102.50 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 100.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
|
|
# -- create other progressive loan with 12% interest rate and frequency PerYear to check that data should match for both loans
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 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 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" 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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 75.37 | 24.63 | 1.0 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
|
|
| 2 | 29 | 01 March 2024 | | 50.49 | 24.88 | 0.75 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
|
|
| 3 | 31 | 01 April 2024 | | 25.36 | 25.13 | 0.5 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 25.36 | 0.25 | 0.0 | 0.0 | 25.61 | 0.0 | 0.0 | 0.0 | 25.61 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.50 | 0.0 | 0.0 | 102.50 | 0.0 | 0.0 | 0.0 | 102.50 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 100.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
|
|
|
|
@TestRailId:C3245
|
|
Scenario: Verify Interest recalculation - daily for overdue loan - UC1: 360/30, pre-close on overdue loan, preClosureInterestCalculationStrategy = till pre-close date
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- Fully repaid between 1st and 2nd installment, 1st installment is overdue ---
|
|
When Admin sets the business date to "15 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 100.86 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 15 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 17.01 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 February 2024 | 66.84 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 15 February 2024 | 49.83 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 15 February 2024 | 32.82 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 15 February 2024 | 15.81 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 15 February 2024 | 0.0 | 15.81 | 0.0 | 0.0 | 0.0 | 15.81 | 15.81 | 15.81 | 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 |
|
|
| 100.0 | 0.86 | 0.0 | 0.0 | 100.86 | 100.86 | 83.85 | 17.01 | 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 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 15 February 2024 | Repayment | 100.86 | 100.0 | 0.86 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan's all installments have obligations met
|
|
|
|
@TestRailId:C3246
|
|
Scenario: Verify Interest recalculation - daily for overdue loan - UC2: 360/30, pre-close on overdue loan, preClosureInterestCalculationStrategy = till rest frequency date
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- Fully repaid between 1st and 2nd installment, 1st installment is overdue ---
|
|
When Admin sets the business date to "15 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 101.11 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 15 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 17.01 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 February 2024 | 67.09 | 16.48 | 0.53 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 15 February 2024 | 50.08 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 15 February 2024 | 33.07 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 15 February 2024 | 16.06 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 15 February 2024 | 0.0 | 16.06 | 0.0 | 0.0 | 0.0 | 16.06 | 16.06 | 16.06 | 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 |
|
|
| 100.0 | 1.11 | 0.0 | 0.0 | 101.11 | 101.11 | 84.1 | 17.01 | 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 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 15 February 2024 | Repayment | 101.11 | 100.0 | 1.11 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan's all installments have obligations met
|
|
|
|
@TestRailId:C3248
|
|
Scenario: Verify interest recalculation - late repayment, adjust NEXT installment - UC1: 360/30, daily, lesser then EMI amount is paid
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- lesser than emi amount is paid ---
|
|
When Admin sets the business date to "15 February 2024"
|
|
When Admin runs inline COB job for Loan
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 15 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 15.0 | 0.0 | 15.0 | 2.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.09 | 16.48 | 0.53 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.47 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.75 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.94 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.94 | 0.1 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 15.0 | 0.0 | 15.0 | 87.09 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 February 2024 | Accrual | 0.24 | 0.0 | 0.24 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 February 2024 | Repayment | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 85.0 | false | false |
|
|
|
|
@TestRailId:C3249
|
|
Scenario: Verify interest recalculation - late repayment, adjust NEXT installment - UC2: 360/30, daily, EMI amount is paid
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- emi amount is paid ---
|
|
When Admin sets the business date to "15 February 2024"
|
|
When Admin runs inline COB job for Loan
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 17.01 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 15 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 17.01 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.09 | 16.48 | 0.53 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.47 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.75 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.94 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.94 | 0.1 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 17.01 | 85.08 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 February 2024 | Accrual | 0.24 | 0.0 | 0.24 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
|
|
# TODO unskip and check when PS-1958 and PS-2076 is done
|
|
@Skip @TestRailId:C3250
|
|
Scenario: Verify interest recalculation - late repayment, adjust NEXT installment - UC2: 360/30, daily, excess then EMI amount is paid
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- excess than emi amount is paid ---
|
|
When Admin sets the business date to "15 February 2024"
|
|
When Admin runs inline COB job for Loan
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 34.02 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 15 February 2024 | 66.56 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 17.01 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 February 2024 | 66.84 | 16.78 | 0.28 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.42 | 16.42 | 0.59 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.70 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.89 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.89 | 0.1 | 0.0 | 0.0 | 16.99 | 0.0 | 0.0 | 0.0 | 16.99 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.04 | 0.0 | 0.0 | 102.04 | 34.02 | 17.01 | 17.01 | 68.02 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 February 2024 | Accrual | 0.13 | 0.0 | 0.13 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 February 2024 | Repayment | 34.02 | 33.16 | 0.86 | 0.0 | 0.0 | 66.84 | false | false |
|
|
|
|
# TODO unskip and check when PS-1958 and PS-2076 is done
|
|
@Skip @TestRailId:C3267
|
|
Scenario: Verify interest recalculation - late repayment, adjust LAST installment - UC2: 360/30, daily, lesser then EMI amount is paid
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "LAST_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- lesser than emi amount is paid ---
|
|
When Admin sets the business date to "15 February 2024"
|
|
When Admin runs inline COB job for Loan
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 34.02 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 15 February 2024 | 66.56 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 16.43 | 0.0 | 16.43 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 50.03 | 16.53 | 0.48 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 33.31 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 16.49 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 0.01 | 16.48 | 0.1 | 0.0 | 0.0 | 16.48 | 0.0 | 0.0 | 0.0 | 16.58 |
|
|
| 6 | 30 | 01 July 2024 | 15 February 2024 | -17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 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 |
|
|
| 100.57 | 1.64 | 0.0 | 0.0 | 101.64 | 34.02 | 34.02 | 0.0 | 67.61 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 February 2024 | Accrual | 0.22 | 0.0 | 0.22 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 February 2024 | Repayment | 34.02 | 33.44 | 0.58 | 0.0 | 0.0 | 66.56 | false | false |
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
|
|
# TODO unskip and check when PS-2076 and PS-2106 is done
|
|
@Skip @TestRailId:C3251
|
|
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC1: 360/30, early repayment with amount less then due interest
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- Early repayment with 0.20 EUR - NO interest recalculation, because we did not paid any outstanding principal portion ---
|
|
When Admin sets the business date to "15 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 0.2 EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.2 | 0.2 | 0.0 | 16.81 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.2 | 0.2 | 0.0 | 101.85 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Repayment | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 100.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
# TODO unskip and check when PS-2076 and PS-2106 is done
|
|
@Skip @TestRailId:C3252
|
|
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC2: 360/30, early repayment with amount 1 cent more then due interest
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- Early repayment with 0.27 EUR, only 0.01 EUR goes for principal --> interest recalculation kicks, but effect cannot be seen ---
|
|
When Admin sets the business date to "15 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 0.27 EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.27 | 0.27 | 0.0 | 16.74 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.27 | 0.27 | 0.0 | 101.78 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Repayment | 0.27 | 0.01 | 0.26 | 0.0 | 0.0 | 99.99 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
# TODO unskip and check when PS-2076 and PS-2106 is done
|
|
@Skip @TestRailId:C3253
|
|
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC3: 360/30, early repayment with less than EMI amount
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- Early repayment with 15.0 EUR --> interest recalculation kicks, there is enough room for remaining interest ---
|
|
When Admin sets the business date to "15 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 15 EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.52 | 16.48 | 0.53 | 0.0 | 0.0 | 17.01 | 15.0 | 15.0 | 0.0 | 2.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.0 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 15.0 | 15.0 | 0.0 | 87.0 |
|
|
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Repayment | 15.0 | 14.74 | 0.26 | 0.0 | 0.0 | 85.26 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
# TODO unskip and check when PS-2076 and PS-2106 is done
|
|
@Skip @TestRailId:C3254
|
|
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC4: 360/30, early repayment with only 1 cent less than EMI amount
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- Early repayment with 17.0 EUR --> interest recalculation kicks, there is not enough room for remaining interest, moving to next period ---
|
|
When Admin sets the business date to "15 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17 EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.25 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 17.0 | 17.0 | 0.0 | 0.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.0 | 16.25 | 0.76 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 17.0 | 17.0 | 0.0 | 85.0 |
|
|
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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Repayment | 17.0 | 16.74 | 0.26 | 0.0 | 0.0 | 83.26 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
# TODO unskip and check when PS-2076 and PS-2106 is done
|
|
@Skip @TestRailId:C3255
|
|
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC5: 360/30, multiple early repayments for the same installment
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- Early repayment with 15.0 EUR ---
|
|
When Admin sets the business date to "15 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 15 EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
# --- Early repayment with 2.01 EUR ---
|
|
When Admin sets the business date to "20 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "20 January 2024" with 2.01 EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 20 January 2024 | 83.33 | 16.67 | 0.34 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.0 | 16.33 | 0.68 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 17.01 | 17.01 | 0.0 | 84.99 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Repayment | 15.0 | 14.74 | 0.26 | 0.0 | 0.0 | 85.26 | false | false |
|
|
| 20 January 2024 | Repayment | 2.01 | 1.93 | 0.08 | 0.0 | 0.0 | 83.33 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
# TODO unskip and check when PS-2076 and PS-2106 is done
|
|
@Skip @TestRailId:C3256
|
|
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC6: 360/30, early repayment with exact EMI amount
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- Early repayment with 17.01 EUR ---
|
|
When Admin sets the business date to "15 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.01 EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 15 January 2024 | 83.25 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.0 | 16.25 | 0.76 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 17.01 | 17.01 | 0.0 | 84.99 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Repayment | 17.01 | 16.75 | 0.26 | 0.0 | 0.0 | 83.25 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
# TODO unskip and check when PS-2076 and PS-2106 is done
|
|
@Skip @TestRailId:C3257
|
|
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC7: 360/30, early repayment with twice than EMI amount
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- Early repayment with 34.02 EUR ---
|
|
When Admin sets the business date to "15 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 34.02 EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 15 January 2024 | 83.25 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 January 2024 | 66.24 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.22 | 16.02 | 0.99 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.5 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.69 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.69 | 0.1 | 0.0 | 0.0 | 16.79 | 0.0 | 0.0 | 0.0 | 16.79 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.84 | 0.0 | 0.0 | 101.84 | 34.02 | 34.02 | 0.0 | 67.82 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 15 January 2024 | Repayment | 34.02 | 33.76 | 0.26 | 0.0 | 0.0 | 66.24 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
# TODO unskip and check when PS-2076 and PS-2106 is done
|
|
@Skip @TestRailId:C3258
|
|
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC8: 360/30, preclose after early repayment
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- Early repayment with 17.01 EUR ---
|
|
When Admin sets the business date to "15 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.01 EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
# --- Preclose with 83.33 EUR ---
|
|
When Admin sets the business date to "20 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "20 January 2024" with 83.33 EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 15 January 2024 | 83.33 | 16.67 | 0.34 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 20 January 2024 | 66.32 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 20 January 2024 | 49.31 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 20 January 2024 | 32.3 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 20 January 2024 | 15.29 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 20 January 2024 | 0.0 | 15.29 | 0.0 | 0.0 | 0.0 | 15.29 | 15.29 | 15.29 | 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 |
|
|
| 100.0 | 0.34 | 0.0 | 0.0 | 100.34 | 100.34 | 100.34 | 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 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 15 January 2024 | Repayment | 17.01 | 16.75 | 0.26 | 0.0 | 0.0 | 83.25 | false | false |
|
|
| 20 January 2024 | Repayment | 83.33 | 83.25 | 0.08 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
# TODO unskip and check when PS-2076 and PS-2106 is done
|
|
# TODO is it till preclose or tillrestperiod?
|
|
@Skip @TestRailId:C3259
|
|
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC9: 360/30, interest modification after early repayment
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
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 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
# --- Early repayment with 17.01 EUR ---
|
|
When Admin sets the business date to "15 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.01 EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
# --- Interest rate changed to 4% ---
|
|
When Admin sets the business date to "20 January 2024"
|
|
When Admin creates and approves Loan reschedule with the following data:
|
|
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
|
| 01 March 2024 | 20 January 2024 | | | | | 4 |
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 15 January 2024 | 83.25 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 66.88 | 16.37 | 0.47 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
|
|
| 3 | 31 | 01 April 2024 | | 50.26 | 16.62 | 0.22 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
|
|
| 4 | 30 | 01 May 2024 | | 33.59 | 16.67 | 0.17 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
|
|
| 5 | 31 | 01 June 2024 | | 16.86 | 16.73 | 0.11 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.86 | 0.06 | 0.0 | 0.0 | 16.92 | 0.0 | 0.0 | 0.0 | 16.92 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 17.01 | 0.0 | 84.28 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 15 January 2024 | Repayment | 17.01 | 16.75 | 0.26 | 0.0 | 0.0 | 83.25 | false | false |
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
|
|
@TestRailId:C3269
|
|
Scenario: UC1 - Single disbursement, full refund within first installment period
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | 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 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
When Admin sets the business date to "22 January 2024"
|
|
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 1000 EUR transaction amount and system-generated Idempotency key
|
|
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 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 22 January 2024 | 750.54 | 249.46 | 5.68 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 22 January 2024 | 495.4 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 22 January 2024 | 240.26 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 22 January 2024 | 0.0 | 240.26 | 0.0 | 0.0 | 0.0 | 240.26 | 240.26 | 240.26 | 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 | 5.68 | 0.0 | 0.0 | 1005.68 | 1005.68 | 1005.68 | 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 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 22 January 2024 | Merchant Issued Refund | 1000.0 | 994.32 | 5.68 | 0.0 | 0.0 | 5.68 | false | false |
|
|
| 22 January 2024 | Interest Refund | 5.68 | 5.68 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 January 2024 | Accrual | 5.68 | 0.0 | 5.68 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
|
|
@TestRailId:C3270
|
|
Scenario: UC2 - Single disbursement, full refund after first installment period
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | 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 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 255.14 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 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 255.14 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 504.02 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
|
|
| 3 | 31 | 01 April 2024 | | 253.11 | 250.91 | 4.23 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 253.11 | 2.05 | 0.0 | 0.0 | 255.16 | 0.0 | 0.0 | 0.0 | 255.16 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 20.58 | 0.0 | 0.0 | 1020.58 | 255.14 | 0.0 | 0.0 | 765.44 |
|
|
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 | Repayment | 255.14 | 246.75 | 8.39 | 0.0 | 0.0 | 753.25 | false | false |
|
|
When Admin sets the business date to "09 February 2024"
|
|
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "09 February 2024" with 1000 EUR transaction amount and system-generated Idempotency key
|
|
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 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 255.14 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 09 February 2024 | 499.74 | 253.51 | 1.63 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 09 February 2024 | 244.6 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 09 February 2024 | 0.0 | 244.6 | 0.0 | 0.0 | 0.0 | 244.6 | 244.6 | 244.6 | 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 | 10.02 | 0.0 | 0.0 | 1010.02 | 1010.02 | 754.88 | 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 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2024 | Repayment | 255.14 | 246.75 | 8.39 | 0.0 | 0.0 | 753.25 | false | false |
|
|
| 09 February 2024 | Payout Refund | 1000.0 | 753.25 | 1.63 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 February 2024 | Interest Refund | 10.02 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
When Admin sets the business date to "10 February 2024"
|
|
When Admin makes Credit Balance Refund transaction on "10 February 2024" with 255.14 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 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 255.14 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 09 February 2024 | 499.74 | 253.51 | 1.63 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 09 February 2024 | 244.6 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 09 February 2024 | 0.0 | 244.6 | 0.0 | 0.0 | 0.0 | 244.6 | 244.6 | 244.6 | 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 | 10.02 | 0.0 | 0.0 | 1010.02 | 1010.02 | 754.88 | 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 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2024 | Repayment | 255.14 | 246.75 | 8.39 | 0.0 | 0.0 | 753.25 | false | false |
|
|
| 09 February 2024 | Payout Refund | 1000.0 | 753.25 | 1.63 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 February 2024 | Interest Refund | 10.02 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 February 2024 | Credit Balance Refund | 255.14 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 February 2024 | Accrual | 10.02 | 0.0 | 10.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
|
|
@TestRailId:C3271
|
|
Scenario: UC3 - Multi disbursements, same day, full refund within first installment period
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | 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 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "750" EUR transaction amount
|
|
When Admin successfully disburse the loan on "01 January 2024" with "250" EUR transaction amount
|
|
When Admin sets the business date to "22 January 2024"
|
|
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 1000 EUR transaction amount and system-generated Idempotency key
|
|
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 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 22 January 2024 | 750.54 | 249.46 | 5.68 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 22 January 2024 | 495.4 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 22 January 2024 | 240.26 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 22 January 2024 | 0.0 | 240.26 | 0.0 | 0.0 | 0.0 | 240.26 | 240.26 | 240.26 | 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 | 5.68 | 0.0 | 0.0 | 1005.68 | 1005.68 | 1005.68 | 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 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
|
|
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 22 January 2024 | Merchant Issued Refund | 1000.0 | 994.32 | 5.68 | 0.0 | 0.0 | 5.68 | false | false |
|
|
| 22 January 2024 | Interest Refund | 5.68 | 5.68 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 January 2024 | Accrual | 5.68 | 0.0 | 5.68 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
|
|
@TestRailId:C3272
|
|
Scenario: UC4 - Multi disbursements, different days, full refund within first installment period
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | 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 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "250" EUR transaction amount
|
|
When Admin sets the business date to "04 January 2024"
|
|
When Admin successfully disburse the loan on "04 January 2024" with "750" EUR transaction amount
|
|
When Admin sets the business date to "22 January 2024"
|
|
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 1000 EUR transaction amount and system-generated Idempotency key
|
|
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 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 04 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 22 January 2024 | 750.09 | 249.91 | 5.07 | 0.0 | 0.0 | 254.98 | 254.98 | 254.98 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 22 January 2024 | 495.11 | 254.98 | 0.0 | 0.0 | 0.0 | 254.98 | 254.98 | 254.98 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 22 January 2024 | 240.13 | 254.98 | 0.0 | 0.0 | 0.0 | 254.98 | 254.98 | 254.98 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 22 January 2024 | 0.0 | 240.13 | 0.0 | 0.0 | 0.0 | 240.13 | 240.13 | 240.13 | 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 | 5.07 | 0.0 | 0.0 | 1005.07 | 1005.07 | 1005.07 | 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 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
|
|
| 04 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 22 January 2024 | Payout Refund | 1000.0 | 994.93 | 5.07 | 0.0 | 0.0 | 5.07 | false | false |
|
|
| 22 January 2024 | Interest Refund | 5.07 | 5.07 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 January 2024 | Accrual | 5.07 | 0.0 | 5.07 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
|
|
@TestRailId:C3273
|
|
Scenario: UC5 - Multi disbursements, different days, full refund after first installment period
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | 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 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
|
When Admin sets the business date to "07 January 2024"
|
|
When Admin successfully disburse the loan on "07 January 2024" with "500" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 255.14 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 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 07 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 752.63 | 247.37 | 7.57 | 0.0 | 0.0 | 254.94 | 254.94 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 503.59 | 249.04 | 5.9 | 0.0 | 0.0 | 254.94 | 0.2 | 0.2 | 0.0 | 254.74 |
|
|
| 3 | 31 | 01 April 2024 | | 252.87 | 250.72 | 4.22 | 0.0 | 0.0 | 254.94 | 0.0 | 0.0 | 0.0 | 254.94 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 252.87 | 2.05 | 0.0 | 0.0 | 254.92 | 0.0 | 0.0 | 0.0 | 254.92 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 19.74 | 0.0 | 0.0 | 1019.74 | 255.14 | 0.2 | 0.0 | 764.6 |
|
|
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 | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
| 07 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2024 | Repayment | 255.14 | 247.57 | 7.57 | 0.0 | 0.0 | 752.43 | false | false |
|
|
When Admin sets the business date to "09 February 2024"
|
|
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "09 February 2024" with 1000 EUR transaction amount and system-generated Idempotency key
|
|
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 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 07 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 752.63 | 247.37 | 7.57 | 0.0 | 0.0 | 254.94 | 254.94 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 09 February 2024 | 499.32 | 253.31 | 1.63 | 0.0 | 0.0 | 254.94 | 254.94 | 254.94 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 09 February 2024 | 244.38 | 254.94 | 0.0 | 0.0 | 0.0 | 254.94 | 254.94 | 254.94 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 09 February 2024 | 0.0 | 244.38 | 0.0 | 0.0 | 0.0 | 244.38 | 244.38 | 244.38 | 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 | 9.2 | 0.0 | 0.0 | 1009.2 | 1009.2 | 754.26 | 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 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
| 07 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2024 | Repayment | 255.14 | 247.57 | 7.57 | 0.0 | 0.0 | 752.43 | false | false |
|
|
| 09 February 2024 | Merchant Issued Refund | 1000.0 | 752.43 | 1.63 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 February 2024 | Interest Refund | 9.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
When Admin sets the business date to "10 February 2024"
|
|
When Admin makes Credit Balance Refund transaction on "10 February 2024" with 255.14 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 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 07 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 752.63 | 247.37 | 7.57 | 0.0 | 0.0 | 254.94 | 254.94 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 09 February 2024 | 499.32 | 253.31 | 1.63 | 0.0 | 0.0 | 254.94 | 254.94 | 254.94 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 09 February 2024 | 244.38 | 254.94 | 0.0 | 0.0 | 0.0 | 254.94 | 254.94 | 254.94 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 09 February 2024 | 0.0 | 244.38 | 0.0 | 0.0 | 0.0 | 244.38 | 244.38 | 244.38 | 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 | 9.2 | 0.0 | 0.0 | 1009.2 | 1009.2 | 754.26 | 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 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
| 07 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2024 | Repayment | 255.14 | 247.57 | 7.57 | 0.0 | 0.0 | 752.43 | false | false |
|
|
| 09 February 2024 | Merchant Issued Refund | 1000.0 | 752.43 | 1.63 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 February 2024 | Interest Refund | 9.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 February 2024 | Credit Balance Refund | 255.14 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 February 2024 | Accrual | 9.2 | 0.0 | 9.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
|
|
@TestRailId:C3277
|
|
Scenario: UC6 - Single disbursement, partial refund within first installment period
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | 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 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
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 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
|
|
| 2 | 29 | 01 March 2024 | | 504.02 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
|
|
| 3 | 31 | 01 April 2024 | | 253.11 | 250.91 | 4.23 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 253.11 | 2.05 | 0.0 | 0.0 | 255.16 | 0.0 | 0.0 | 0.0 | 255.16 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 20.58 | 0.0 | 0.0 | 1020.58 | 0.0 | 0.0 | 0.0 | 1020.58 |
|
|
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 |
|
|
When Admin sets the business date to "14 February 2024"
|
|
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "14 February 2024" with 500 EUR transaction amount and system-generated Idempotency key
|
|
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 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 14 February 2024 | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 255.14 | 0.0 | 255.14 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 498.11 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 250.81 | 250.81 | 0.0 | 4.33 |
|
|
| 3 | 31 | 01 April 2024 | | 252.83 | 245.28 | 9.86 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 252.83 | 2.05 | 0.0 | 0.0 | 254.88 | 0.0 | 0.0 | 0.0 | 254.88 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 20.30 | 0.0 | 0.0 | 1020.30 | 505.95 | 250.81 | 255.14 | 514.35 |
|
|
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 |
|
|
| 14 February 2024 | Payout Refund | 500.0 | 491.61 | 8.39 | 0.0 | 0.0 | 508.39 | false | false |
|
|
| 14 February 2024 | Interest Refund | 5.95 | 5.95 | 0.0 | 0.0 | 0.0 | 502.44 | false | false |
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 4.33 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 255.14 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 254.88 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 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 14 February 2024 | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 255.14 | 0.0 | 255.14 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 498.11 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 255.14 | 250.81 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 252.83 | 245.28 | 9.86 | 0.0 | 0.0 | 255.14 | 255.14 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 0.0 | 252.83 | 2.05 | 0.0 | 0.0 | 254.88 | 254.88 | 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 | 20.30 | 0.0 | 0.0 | 1020.30 | 1020.30 | 250.81 | 255.14 | 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 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 14 February 2024 | Payout Refund | 500.0 | 491.61 | 8.39 | 0.0 | 0.0 | 508.39 | false | false |
|
|
| 14 February 2024 | Interest Refund | 5.95 | 5.95 | 0.0 | 0.0 | 0.0 | 502.44 | false | false |
|
|
| 01 March 2024 | Repayment | 4.33 | 4.33 | 0.0 | 0.0 | 0.0 | 498.11 | false | false |
|
|
| 01 April 2024 | Repayment | 255.14 | 245.28 | 9.86 | 0.0 | 0.0 | 252.83 | false | false |
|
|
| 01 May 2024 | Repayment | 254.88 | 252.83 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
|
|
|
|
@TestRailId:C3278
|
|
Scenario: UC7 - Single disbursement, partial refund after first installment period
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | 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 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
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 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
|
|
| 2 | 29 | 01 March 2024 | | 504.02 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
|
|
| 3 | 31 | 01 April 2024 | | 253.11 | 250.91 | 4.23 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 253.11 | 2.05 | 0.0 | 0.0 | 255.16 | 0.0 | 0.0 | 0.0 | 255.16 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 20.58 | 0.0 | 0.0 | 1020.58 | 0.0 | 0.0 | 0.0 | 1020.58 |
|
|
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 |
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 255.14 EUR transaction amount
|
|
When Admin sets the business date to "09 February 2024"
|
|
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "09 February 2024" with 500 EUR transaction amount and system-generated Idempotency key
|
|
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 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 255.14 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 09 February 2024 | 499.74 | 253.51 | 1.63 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 248.11 | 251.63 | 3.51 | 0.0 | 0.0 | 255.14 | 250.15 | 250.15 | 0.0 | 4.99 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 248.11 | 2.01 | 0.0 | 0.0 | 250.12 | 0.0 | 0.0 | 0.0 | 250.12 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 15.54 | 0.0 | 0.0 | 1015.54 | 760.43 | 505.29 | 0.0 | 255.11 |
|
|
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 | Repayment | 255.14 | 246.75 | 8.39 | 0.0 | 0.0 | 753.25 | false | false |
|
|
| 09 February 2024 | Merchant Issued Refund | 500.0 | 498.37 | 1.63 | 0.0 | 0.0 | 254.88 | false | false |
|
|
| 09 February 2024 | Interest Refund | 5.29 | 5.29 | 0.0 | 0.0 | 0.0 | 249.59 | false | false |
|
|
When Admin sets the business date to "01 March 2024"
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 4.99 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 250.12 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 |
|
|
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 255.14 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 09 February 2024 | 499.74 | 253.51 | 1.63 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 248.11 | 251.63 | 3.51 | 0.0 | 0.0 | 255.14 | 255.14 | 250.15 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 0.0 | 248.11 | 2.01 | 0.0 | 0.0 | 250.12 | 250.12 | 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 | 15.54 | 0.0 | 0.0 | 1015.54 | 1015.54 | 505.29 | 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 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2024 | Repayment | 255.14 | 246.75 | 8.39 | 0.0 | 0.0 | 753.25 | false | false |
|
|
| 09 February 2024 | Merchant Issued Refund | 500.0 | 498.37 | 1.63 | 0.0 | 0.0 | 254.88 | false | false |
|
|
| 09 February 2024 | Interest Refund | 5.29 | 5.29 | 0.0 | 0.0 | 0.0 | 249.59 | false | false |
|
|
| 01 April 2024 | Repayment | 4.99 | 1.48 | 3.51 | 0.0 | 0.0 | 248.11 | false | false |
|
|
| 01 May 2024 | Repayment | 250.12 | 248.11 | 2.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
|
|
@TestRailId:C3279
|
|
Scenario: UC8 - Multi disbursements, same days, partial refund within first installment period
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | 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 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "250" EUR transaction amount
|
|
When Admin successfully disburse the loan on "01 January 2024" with "750" 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 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 01 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
|
|
| 2 | 29 | 01 March 2024 | | 504.02 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
|
|
| 3 | 31 | 01 April 2024 | | 253.11 | 250.91 | 4.23 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 253.11 | 2.05 | 0.0 | 0.0 | 255.16 | 0.0 | 0.0 | 0.0 | 255.16 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 20.58 | 0.0 | 0.0 | 1020.58 | 0.0 | 0.0 | 0.0 | 1020.58 |
|
|
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 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
|
|
| 01 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
When Admin sets the business date to "22 January 2024"
|
|
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 500 EUR transaction amount and system-generated Idempotency key
|
|
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 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 01 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 22 January 2024 | 750.54 | 249.46 | 5.68 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 500.7 | 249.84 | 5.3 | 0.0 | 0.0 | 255.14 | 247.7 | 247.7 | 0.0 | 7.44 |
|
|
| 3 | 31 | 01 April 2024 | | 249.76 | 250.94 | 4.2 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 249.76 | 2.03 | 0.0 | 0.0 | 251.79 | 0.0 | 0.0 | 0.0 | 251.79 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 17.21 | 0.0 | 0.0 | 1017.21 | 502.84 | 502.84 | 0.0 | 514.37 |
|
|
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 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
|
|
| 01 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 22 January 2024 | Payout Refund | 500.0 | 494.32 | 5.68 | 0.0 | 0.0 | 505.68 | false | false |
|
|
| 22 January 2024 | Interest Refund | 2.84 | 2.84 | 0.0 | 0.0 | 0.0 | 502.84 | false | false |
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 7.44 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 255.14 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 251.79 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 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 01 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 22 January 2024 | 750.54 | 249.46 | 5.68 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 500.7 | 249.84 | 5.3 | 0.0 | 0.0 | 255.14 | 255.14 | 247.7 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 249.76 | 250.94 | 4.2 | 0.0 | 0.0 | 255.14 | 255.14 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 0.0 | 249.76 | 2.03 | 0.0 | 0.0 | 251.79 | 251.79 | 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 | 17.21 | 0.0 | 0.0 | 1017.21 | 1017.21 | 502.84 | 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 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
|
|
| 01 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 22 January 2024 | Payout Refund | 500.0 | 494.32 | 5.68 | 0.0 | 0.0 | 505.68 | false | false |
|
|
| 22 January 2024 | Interest Refund | 2.84 | 2.84 | 0.0 | 0.0 | 0.0 | 502.84 | false | false |
|
|
| 01 March 2024 | Repayment | 7.44 | 2.14 | 5.3 | 0.0 | 0.0 | 500.7 | false | false |
|
|
| 01 April 2024 | Repayment | 255.14 | 250.94 | 4.2 | 0.0 | 0.0 | 249.76 | false | false |
|
|
| 01 May 2024 | Repayment | 251.79 | 249.76 | 2.03 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
|
|
@TestRailId:C3280
|
|
Scenario: UC9 - Multi disbursements, different days, partial refund within first installment period
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | 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 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "250" EUR transaction amount
|
|
When Admin sets the business date to "07 January 2024"
|
|
When Admin successfully disburse the loan on "07 January 2024" with "750" EUR transaction amount
|
|
When Admin sets the business date to "22 January 2024"
|
|
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 500 EUR transaction amount and system-generated Idempotency key
|
|
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 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 07 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 22 January 2024 | 749.64 | 250.36 | 4.47 | 0.0 | 0.0 | 254.83 | 254.83 | 254.83 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 500.11 | 249.53 | 5.3 | 0.0 | 0.0 | 254.83 | 247.61 | 247.61 | 0.0 | 7.22 |
|
|
| 3 | 31 | 01 April 2024 | | 249.47 | 250.64 | 4.19 | 0.0 | 0.0 | 254.83 | 0.0 | 0.0 | 0.0 | 254.83 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 249.47 | 2.02 | 0.0 | 0.0 | 251.49 | 0.0 | 0.0 | 0.0 | 251.49 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 15.98 | 0.0 | 0.0 | 1015.98 | 502.44 | 502.44 | 0.0 | 513.54 |
|
|
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 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
|
|
| 07 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 22 January 2024 | Merchant Issued Refund | 500.0 | 495.53 | 4.47 | 0.0 | 0.0 | 504.47 | false | false |
|
|
| 22 January 2024 | Interest Refund | 2.44 | 2.44 | 0.0 | 0.0 | 0.0 | 502.03 | false | false |
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 7.22 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 254.83 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 251.49 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 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 07 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 22 January 2024 | 749.64 | 250.36 | 4.47 | 0.0 | 0.0 | 254.83 | 254.83 | 254.83 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 500.11 | 249.53 | 5.3 | 0.0 | 0.0 | 254.83 | 254.83 | 247.61 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 249.47 | 250.64 | 4.19 | 0.0 | 0.0 | 254.83 | 254.83 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 0.0 | 249.47 | 2.02 | 0.0 | 0.0 | 251.49 | 251.49 | 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 | 15.98 | 0.0 | 0.0 | 1015.98 | 1015.98 | 502.44 | 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 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
|
|
| 07 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 22 January 2024 | Merchant Issued Refund | 500.0 | 495.53 | 4.47 | 0.0 | 0.0 | 504.47 | false | false |
|
|
| 22 January 2024 | Interest Refund | 2.44 | 2.44 | 0.0 | 0.0 | 0.0 | 502.03 | false | false |
|
|
| 01 March 2024 | Repayment | 7.22 | 1.92 | 5.3 | 0.0 | 0.0 | 500.11 | false | false |
|
|
| 01 April 2024 | Repayment | 254.83 | 250.64 | 4.19 | 0.0 | 0.0 | 249.47 | false | false |
|
|
| 01 May 2024 | Repayment | 251.49 | 249.47 | 2.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
|
|
@TestRailId:C3281
|
|
Scenario: UC10 - Multi disbursements, different days, partial refund after all installments are paid
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | 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 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "250" EUR transaction amount
|
|
When Admin sets the business date to "07 January 2024"
|
|
When Admin successfully disburse the loan on "07 January 2024" with "750" 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 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 07 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 752.34 | 247.66 | 7.17 | 0.0 | 0.0 | 254.83 | 0.0 | 0.0 | 0.0 | 254.83 |
|
|
| 2 | 29 | 01 March 2024 | | 503.41 | 248.93 | 5.9 | 0.0 | 0.0 | 254.83 | 0.0 | 0.0 | 0.0 | 254.83 |
|
|
| 3 | 31 | 01 April 2024 | | 252.8 | 250.61 | 4.22 | 0.0 | 0.0 | 254.83 | 0.0 | 0.0 | 0.0 | 254.83 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 252.8 | 2.05 | 0.0 | 0.0 | 254.85 | 0.0 | 0.0 | 0.0 | 254.85 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 19.34 | 0.0 | 0.0 | 1019.34 | 0.0 | 0.0 | 0.0 | 1019.34 |
|
|
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 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
|
|
| 07 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 254.83 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 254.83 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 254.83 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 254.85 EUR transaction amount
|
|
When Admin sets the business date to "10 May 2024"
|
|
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "10 May 2024" with 500 EUR transaction amount and system-generated Idempotency key
|
|
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 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 07 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 752.34 | 247.66 | 7.17 | 0.0 | 0.0 | 254.83 | 254.83 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 503.41 | 248.93 | 5.9 | 0.0 | 0.0 | 254.83 | 254.83 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 252.8 | 250.61 | 4.22 | 0.0 | 0.0 | 254.83 | 254.83 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 0.0 | 252.8 | 2.05 | 0.0 | 0.0 | 254.85 | 254.85 | 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 | 19.34 | 0.0 | 0.0 | 1019.34 | 1019.34 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
|
|
| 07 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2024 | Repayment | 254.83 | 247.66 | 7.17 | 0.0 | 0.0 | 752.34 | false | false |
|
|
| 01 March 2024 | Repayment | 254.83 | 248.93 | 5.9 | 0.0 | 0.0 | 503.41 | false | false |
|
|
| 01 April 2024 | Repayment | 254.83 | 250.61 | 4.22 | 0.0 | 0.0 | 252.8 | false | false |
|
|
| 01 May 2024 | Repayment | 254.85 | 252.8 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 May 2024 | Payout Refund | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 May 2024 | Interest Refund | 14.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
When Admin sets the business date to "11 May 2024"
|
|
When Admin makes Credit Balance Refund transaction on "11 May 2024" with 514.01 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 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 07 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 752.34 | 247.66 | 7.17 | 0.0 | 0.0 | 254.83 | 254.83 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 503.41 | 248.93 | 5.9 | 0.0 | 0.0 | 254.83 | 254.83 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 252.8 | 250.61 | 4.22 | 0.0 | 0.0 | 254.83 | 254.83 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 0.0 | 252.8 | 2.05 | 0.0 | 0.0 | 254.85 | 254.85 | 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 | 19.34 | 0.0 | 0.0 | 1019.34 | 1019.34 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
|
|
| 07 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2024 | Repayment | 254.83 | 247.66 | 7.17 | 0.0 | 0.0 | 752.34 | false | false |
|
|
| 01 March 2024 | Repayment | 254.83 | 248.93 | 5.9 | 0.0 | 0.0 | 503.41 | false | false |
|
|
| 01 April 2024 | Repayment | 254.83 | 250.61 | 4.22 | 0.0 | 0.0 | 252.8 | false | false |
|
|
| 01 May 2024 | Repayment | 254.85 | 252.8 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 May 2024 | Payout Refund | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 May 2024 | Interest Refund | 14.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 May 2024 | Credit Balance Refund | 514.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 May 2024 | Accrual | 19.34 | 0.0 | 19.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
|
|
@TestRailId:C3288
|
|
Scenario: Verify the recalculated EMI after interest rate change on the repayment schedule
|
|
Given Admin puts "LOAN_INTEREST_RECALCULATION" business step into LOAN_CLOSE_OF_BUSINESS workflow
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
When Admin sets the business date to "15 January 2024"
|
|
When Admin runs inline COB job for Loan
|
|
When Admin sets the business date to "01 February 2024"
|
|
When Admin runs inline COB job for Loan
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.91 EUR transaction amount
|
|
When Admin creates and approves Loan reschedule with the following data:
|
|
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
|
| 02 February 2024 | 01 February 2024 | | | | | 4 |
|
|
When Admin runs inline COB job for Loan
|
|
When Admin sets the business date to "02 February 2024"
|
|
When Admin runs inline COB job for Loan
|
|
Then Admin sets back LOAN_CLOSE_OF_BUSINESS workflow to its initial state
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 66.56 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 16.9 | 16.9 | 0.0 | 0.11 |
|
|
| 3 | 31 | 01 April 2024 | | 50.17 | 16.39 | 0.44 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 |
|
|
| 4 | 30 | 01 May 2024 | | 33.51 | 16.66 | 0.17 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 |
|
|
| 5 | 31 | 01 June 2024 | | 16.79 | 16.72 | 0.11 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.79 | 0.06 | 0.0 | 0.0 | 16.85 | 0.0 | 0.0 | 0.0 | 16.85 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.36 | 0.0 | 0.0 | 101.36 | 33.91 | 16.90 | 0.0 | 67.45 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 31 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 February 2024 | Repayment | 33.91 | 33.33 | 0.58 | 0.0 | 0.0 | 66.67 | false | false |
|
|
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|