1700 lines
208 KiB
Gherkin
1700 lines
208 KiB
Gherkin
@InterestRateChangeFeature
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Feature: Loan interest rate change on repayment schedule
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@TestRailId:C3217
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Scenario: Verify Interest rate change - backdated, modification on installment due date - UC1
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When Admin sets the business date to "01 January 2024"
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And Admin creates a client with random data
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And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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And 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_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 |
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And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
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When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
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And Admin runs inline COB job for Loan
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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 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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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 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
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When Admin sets the business date to "01 April 2024"
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And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
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And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
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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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| 02 February 2024 | 02 February 2024 | | | | | 4 |
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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 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
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| 2 | 29 | 01 March 2024 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 16.88 | 0.0 | 0.0 | 0.0 |
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| 3 | 31 | 01 April 2024 | | 50.31 | 16.66 | 0.22 | 0.0 | 0.0 | 16.88 | 0.13 | 0.13 | 0.0 | 16.75 |
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| 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 |
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| 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 |
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| 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 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 100.0 | 1.42 | 0.0 | 0.0 | 101.42 | 34.02 | 0.13 | 0.0 | 67.4 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
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| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
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| 01 March 2024 | Repayment | 17.01 | 16.73 | 0.28 | 0.0 | 0.0 | 66.84 | false | true |
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When Loan Pay-off is made on "01 April 2024"
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Then Loan's all installments have obligations met
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@TestRailId:C3916
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Scenario: Verify Interest rate change - backdated, modification in middle of installment - UC2
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When Admin sets the business date to "01 January 2024"
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And Admin creates a client with random data
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And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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And 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_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 |
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And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
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When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
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And Admin runs inline COB job for Loan
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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 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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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 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
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When Admin sets the business date to "01 April 2024"
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And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
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And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
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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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| 16 February 2024 | 16 February 2024 | | | | | 4 |
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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 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
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| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.38 | 0.0 | 0.0 | 16.9 | 16.9 | 0.0 | 0.0 | 0.0 |
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| 3 | 31 | 01 April 2024 | | 50.37 | 16.68 | 0.22 | 0.0 | 0.0 | 16.9 | 0.11 | 0.11 | 0.0 | 16.79 |
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| 4 | 30 | 01 May 2024 | | 33.64 | 16.73 | 0.17 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
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| 5 | 31 | 01 June 2024 | | 16.85 | 16.79 | 0.11 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
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| 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.06 | 0.0 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | 16.91 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 100.0 | 1.52 | 0.0 | 0.0 | 101.52 | 34.02 | 0.11 | 0.0 | 67.5 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
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| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
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| 01 March 2024 | Repayment | 17.01 | 16.63 | 0.38 | 0.0 | 0.0 | 66.94 | false | true |
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When Loan Pay-off is made on "01 April 2024"
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Then Loan's all installments have obligations met
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@TestRailId:C3917
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Scenario: Verify Interest rate change - backdated, modification in middle of installment, no reverse-replay - UC3
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When Admin sets the business date to "01 January 2024"
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And Admin creates a client with random data
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And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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And 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_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 |
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And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
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When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
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And Admin runs inline COB job for Loan
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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 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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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 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
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When Admin sets the business date to "01 April 2024"
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And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
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And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
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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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| 11 March 2024 | 11 March 2024 | | | | | 4 |
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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 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
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| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
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| 3 | 31 | 01 April 2024 | | 50.41 | 16.64 | 0.27 | 0.0 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | 16.91 |
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| 4 | 30 | 01 May 2024 | | 33.67 | 16.74 | 0.17 | 0.0 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | 16.91 |
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| 5 | 31 | 01 June 2024 | | 16.87 | 16.8 | 0.11 | 0.0 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | 16.91 |
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| 6 | 30 | 01 July 2024 | | 0.0 | 16.87 | 0.06 | 0.0 | 0.0 | 16.93 | 0.0 | 0.0 | 0.0 | 16.93 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 100.0 | 1.68 | 0.0 | 0.0 | 101.68 | 34.02 | 0.0 | 0.0 | 67.66 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
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| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
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| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
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When Loan Pay-off is made on "01 April 2024"
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Then Loan's all installments have obligations met
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@TestRailId:C3918
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Scenario: Verify Interest rate change - backdated, modification on installment due date, with repayment undo - UC1.2
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When Admin sets the business date to "01 January 2024"
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And Admin creates a client with random data
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And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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And 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_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 |
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And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
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When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
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And Admin runs inline COB job for Loan
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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 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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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 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
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When Admin sets the business date to "01 April 2024"
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And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
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And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
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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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| 02 February 2024 | 02 February 2024 | | | | | 4 |
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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 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
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| 2 | 29 | 01 March 2024 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 16.88 | 0.0 | 0.0 | 0.0 |
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| 3 | 31 | 01 April 2024 | | 50.31 | 16.66 | 0.22 | 0.0 | 0.0 | 16.88 | 0.13 | 0.13 | 0.0 | 16.75 |
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| 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 |
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| 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 |
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| 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 |
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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 | 34.02 | 0.13 | 0.0 | 67.4 |
|
||
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 March 2024 | Repayment | 17.01 | 16.73 | 0.28 | 0.0 | 0.0 | 66.84 | false | true |
|
||
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 March 2024 | 02 March 2024 | | | | | 1.15 |
|
||
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 16.65 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 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 16.88 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.19 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 | 16.78 | 0.13 | 0.0 | 0.0 |
|
||
| 4 | 30 | 01 May 2024 | | 33.68 | 16.51 | 0.27 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
|
||
| 5 | 31 | 01 June 2024 | | 16.93 | 16.75 | 0.03 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.93 | 0.02 | 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 | 1.18 | 0.0 | 0.0 | 101.18 | 50.67 | 0.13 | 0.0 | 50.51 |
|
||
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 March 2024 | Repayment | 17.01 | 16.73 | 0.28 | 0.0 | 0.0 | 66.84 | false | true |
|
||
| 01 April 2024 | Repayment | 16.65 | 16.65 | 0.0 | 0.0 | 0.0 | 50.19 | false | false |
|
||
# --- undo 2nd repayment (while interest rate change to 4% have happened)---
|
||
When Customer undo "1"th "Repayment" transaction made on "01 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 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 | 16.65 | 0.0 | 16.65 | 0.23 |
|
||
| 3 | 31 | 01 April 2024 | | 50.27 | 16.7 | 0.08 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
|
||
| 4 | 30 | 01 May 2024 | | 33.54 | 16.73 | 0.05 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
|
||
| 5 | 31 | 01 June 2024 | | 16.79 | 16.75 | 0.03 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.79 | 0.02 | 0.0 | 0.0 | 16.81 | 0.0 | 0.0 | 0.0 | 16.81 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.04 | 0.0 | 0.0 | 101.04 | 33.66 | 0.0 | 16.65 | 67.38 |
|
||
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 March 2024 | Repayment | 17.01 | 16.73 | 0.28 | 0.0 | 0.0 | 66.84 | true | true |
|
||
| 01 April 2024 | Repayment | 16.65 | 16.6 | 0.05 | 0.0 | 0.0 | 66.97 | false | true |
|
||
# --- undo 1st repayment (while no interest rate change have happened)---
|
||
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 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 16.65 | 0.0 | 16.65 | 0.36 |
|
||
| 2 | 29 | 01 March 2024 | | 67.02 | 16.55 | 0.33 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
||
| 3 | 31 | 01 April 2024 | | 50.34 | 16.68 | 0.1 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
|
||
| 4 | 30 | 01 May 2024 | | 33.61 | 16.73 | 0.05 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
|
||
| 5 | 31 | 01 June 2024 | | 16.86 | 16.75 | 0.03 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.86 | 0.02 | 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 | 1.11 | 0.0 | 0.0 | 101.11 | 16.65 | 0.0 | 16.65 | 84.46 |
|
||
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 | true | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.73 | 0.28 | 0.0 | 0.0 | 66.84 | true | true |
|
||
| 01 April 2024 | Repayment | 16.65 | 16.43 | 0.22 | 0.0 | 0.0 | 83.57 | false | true |
|
||
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan's all installments have obligations met
|
||
|
||
@TestRailId:C3944
|
||
Scenario: Verify Interest rate change - backdated, charged-off, regular - UC4.1
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
And Admin runs inline COB job for Loan
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 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 "01 April 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
||
And Admin does charge-off the loan on "01 April 2024"
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 February 2024 | 02 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 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 16.88 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | | 50.31 | 16.66 | 0.22 | 0.0 | 0.0 | 16.88 | 0.13 | 0.13 | 0.0 | 16.75 |
|
||
| 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 | 34.02 | 0.13 | 0.0 | 67.4 |
|
||
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 March 2024 | Repayment | 17.01 | 16.73 | 0.28 | 0.0 | 0.0 | 66.84 | false | true |
|
||
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Accrual Adjustment | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Charge-off | 67.4 | 66.84 | 0.56 | 0.0 | 0.0 | 0.0 | false | true |
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan's all installments have obligations met
|
||
|
||
@TestRailId:C3945
|
||
Scenario: Verify Interest rate change - backdated, charged-off, zero interest - UC4.2
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF | 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
|
||
And Admin runs inline COB job for Loan
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 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 "01 April 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
||
And Admin does charge-off the loan on "01 April 2024"
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 February 2024 | 02 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 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 16.88 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | | 50.31 | 16.66 | 0.22 | 0.0 | 0.0 | 16.88 | 0.13 | 0.13 | 0.0 | 16.75 |
|
||
| 4 | 30 | 01 May 2024 | | 33.43 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
||
| 5 | 31 | 01 June 2024 | | 16.55 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.55 | 0.0 | 0.0 | 0.0 | 16.55 | 0.0 | 0.0 | 0.0 | 16.55 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.08 | 0.0 | 0.0 | 101.08 | 34.02 | 0.13 | 0.0 | 67.06 |
|
||
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 March 2024 | Repayment | 17.01 | 16.73 | 0.28 | 0.0 | 0.0 | 66.84 | false | true |
|
||
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Accrual Adjustment | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Charge-off | 67.06 | 66.84 | 0.22 | 0.0 | 0.0 | 0.0 | false | true |
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan's all installments have obligations met
|
||
|
||
@TestRailId:C3946
|
||
Scenario: Verify Interest rate change - backdated, charged-off, accelerate maturity - UC4.3
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 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
|
||
And Admin runs inline COB job for Loan
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 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 "01 April 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
||
And Admin does charge-off the loan on "01 April 2024"
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 February 2024 | 02 February 2024 | | | | | 4 |
|
||
Then Loan Repayment schedule has 3 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 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 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 16.88 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | | 0.0 | 66.97 | 0.22 | 0.0 | 0.0 | 67.19 | 0.13 | 0.13 | 0.0 | 67.06 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.08 | 0.0 | 0.0 | 101.08 | 34.02 | 0.13 | 0.0 | 67.06 |
|
||
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 March 2024 | Repayment | 17.01 | 16.73 | 0.28 | 0.0 | 0.0 | 66.84 | false | true |
|
||
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Accrual Adjustment | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Charge-off | 67.06 | 66.84 | 0.22 | 0.0 | 0.0 | 0.0 | false | true |
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan's all installments have obligations met
|
||
|
||
@TestRailId:С3941
|
||
Scenario: Verify Interest rate change - backdated, CBR - UC5
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
And Admin runs inline COB job for Loan
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 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 "01 April 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 85.0 EUR transaction amount
|
||
And Admin makes Credit Balance Refund transaction on "01 March 2024" with 0.94 EUR transaction amount
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 February 2024 | 02 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 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 16.88 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | 01 March 2024 | 50.09 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 16.88 | 16.88 | 0.0 | 0.0 |
|
||
| 4 | 30 | 01 May 2024 | 01 March 2024 | 33.21 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 16.88 | 16.88 | 0.0 | 0.0 |
|
||
| 5 | 31 | 01 June 2024 | 01 March 2024 | 16.33 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 16.88 | 16.88 | 0.0 | 0.0 |
|
||
| 6 | 30 | 01 July 2024 | 01 March 2024 | 0.0 | 16.33 | 0.0 | 0.0 | 0.0 | 16.33 | 16.33 | 16.33 | 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 | 66.97 | 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 |
|
||
| 01 March 2024 | Repayment | 85.0 | 83.57 | 0.28 | 0.0 | 0.0 | 0.0 | false | true |
|
||
| 01 March 2024 | Credit Balance Refund | 0.94 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
|
||
| 01 April 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Accrual Adjustment | 0.21 | 0.0 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
|
||
Then Loan's all installments have obligations met
|
||
And Loan has 0.21 overpaid amount
|
||
And Loan status will be "OVERPAID"
|
||
|
||
And Admin makes Credit Balance Refund transaction on "01 April 2024" with 0.21 EUR transaction amount
|
||
Then Loan's all installments have obligations met
|
||
And Loan status will be "CLOSED_OBLIGATIONS_MET"
|
||
|
||
@TestRailId:С3942
|
||
Scenario: Verify Interest rate change - backdated, closed loan - UC7
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
And Admin runs inline COB job for Loan
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 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 "01 April 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 84.06 EUR transaction amount
|
||
Then Loan's all installments have obligations met
|
||
And Loan status will be "CLOSED_OBLIGATIONS_MET"
|
||
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 February 2024 | 02 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 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 16.88 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | 01 March 2024 | 50.09 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 16.88 | 16.88 | 0.0 | 0.0 |
|
||
| 4 | 30 | 01 May 2024 | 01 March 2024 | 33.21 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 16.88 | 16.88 | 0.0 | 0.0 |
|
||
| 5 | 31 | 01 June 2024 | 01 March 2024 | 16.33 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 16.88 | 16.88 | 0.0 | 0.0 |
|
||
| 6 | 30 | 01 July 2024 | 01 March 2024 | 0.0 | 16.33 | 0.0 | 0.0 | 0.0 | 16.33 | 16.33 | 16.33 | 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 | 66.97 | 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 |
|
||
| 01 March 2024 | Repayment | 84.06 | 83.57 | 0.28 | 0.0 | 0.0 | 0.0 | false | true |
|
||
| 01 April 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Accrual Adjustment | 0.21 | 0.0 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
|
||
Then Loan's all installments have obligations met
|
||
And Loan has 0.21 overpaid amount
|
||
And Loan status will be "OVERPAID"
|
||
|
||
And Admin makes Credit Balance Refund transaction on "01 April 2024" with 0.21 EUR transaction amount
|
||
Then Loan's all installments have obligations met
|
||
And Loan status will be "CLOSED_OBLIGATIONS_MET"
|
||
|
||
@TestRailId:С3943
|
||
Scenario: Verify Interest rate change - backdated, overpaid loan - UC7.2
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
And Admin runs inline COB job for Loan
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 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 "01 April 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 84.2 EUR transaction amount
|
||
Then Loan's all installments have obligations met
|
||
And Loan has 0.14 overpaid amount
|
||
And Loan status will be "OVERPAID"
|
||
And Loan status will be "OVERPAID"
|
||
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 February 2024 | 02 February 2024 | | | | | 9 |
|
||
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 | 01 March 2024 | 67.11 | 16.46 | 0.63 | 0.0 | 0.0 | 17.09 | 17.09 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | 01 March 2024 | 50.02 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 | 17.09 | 17.09 | 0.0 | 0.0 |
|
||
| 4 | 30 | 01 May 2024 | 01 March 2024 | 32.93 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 | 17.09 | 17.09 | 0.0 | 0.0 |
|
||
| 5 | 31 | 01 June 2024 | 01 March 2024 | 15.84 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 | 17.09 | 17.09 | 0.0 | 0.0 |
|
||
| 6 | 30 | 01 July 2024 | 01 March 2024 | 0.0 | 15.84 | 0.0 | 0.0 | 0.0 | 15.84 | 15.84 | 15.84 | 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 | 1.21 | 0.0 | 0.0 | 101.21 | 101.21 | 67.11 | 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 |
|
||
| 01 March 2024 | Repayment | 84.2 | 83.57 | 0.63 | 0.0 | 0.0 | 0.0 | false | true |
|
||
| 01 April 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Accrual | 0.14 | 0.0 | 0.14 | 0.0 | 0.0 | 0.0 | false | false |
|
||
Then Loan has 0 outstanding amount
|
||
And Loan's all installments have obligations met
|
||
And Loan status will be "CLOSED_OBLIGATIONS_MET"
|
||
|
||
@TestRailId:С3952
|
||
Scenario: Verify Interest rate change - backdated, closed as written-off loan - UC7.3
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
And Admin runs inline COB job for Loan
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 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 "01 April 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
# --- make write-off --- #
|
||
And Admin does write-off the loan on "01 March 2024"
|
||
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 March 2024 | Close (as written-off) | 85.04 | 83.57 | 1.47 | 0.0 | 0.0 | 0.0 | false | false |
|
||
Then Loan status will be "CLOSED_WRITTEN_OFF"
|
||
And Loan's all installments have obligations met
|
||
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 February 2024 | 02 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 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | 01 March 2024 | 50.31 | 16.66 | 0.22 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 30 | 01 May 2024 | 01 March 2024 | 33.6 | 16.71 | 0.17 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 31 | 01 June 2024 | 01 March 2024 | 16.83 | 16.77 | 0.11 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 6 | 30 | 01 July 2024 | 01 March 2024 | 0.0 | 16.83 | 0.06 | 0.0 | 0.0 | 16.89 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.42 | 0.0 | 0.0 | 101.42 | 17.01 | 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 | 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 March 2024 | Close (as written-off) | 84.41 | 83.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | true |
|
||
Then Loan has 0 outstanding amount
|
||
And Loan's all installments have obligations met
|
||
And Loan status will be "CLOSED_WRITTEN_OFF"
|
||
|
||
@TestRailId:С3947
|
||
Scenario: Verify Interest rate change - backdated, external asset owner - UC6
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
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 "01 March 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
||
When Admin makes asset externalization request by Loan ID with unique ownerExternalId, user-generated transferExternalId and the following data:
|
||
| Transaction type | settlementDate | purchasePriceRatio |
|
||
| sale | 2024-04-01 | 1 |
|
||
Then Asset externalization response has the correct Loan ID, transferExternalId
|
||
And Fetching Asset externalization details by loan id gives numberOfElements: 1 with correct ownerExternalId and the following data:
|
||
| settlementDate | purchasePriceRatio | status | effectiveFrom | effectiveTo | Transaction type |
|
||
| 2024-04-01 | 1 | PENDING | 2024-03-01 | 9999-12-31 | SALE |
|
||
|
||
When Admin sets the business date to "02 April 2024"
|
||
And Admin runs inline COB job for Loan
|
||
Then Fetching Asset externalization details by loan id gives numberOfElements: 2 with correct ownerExternalId and the following data:
|
||
| settlementDate | purchasePriceRatio | status | effectiveFrom | effectiveTo | Transaction type |
|
||
| 2024-04-01 | 1 | PENDING | 2024-03-01 | 2024-04-01 | SALE |
|
||
| 2024-04-01 | 1 | ACTIVE | 2024-04-02 | 9999-12-31 | SALE |
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 February 2024 | 02 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 | 01 March 2024 | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 16.88 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | | 50.31 | 16.66 | 0.22 | 0.0 | 0.0 | 16.88 | 0.13 | 0.13 | 0.0 | 16.75 |
|
||
| 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 | 34.02 | 0.13 | 0.0 | 67.4 |
|
||
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 March 2024 | Repayment | 17.01 | 16.73 | 0.28 | 0.0 | 0.0 | 66.84 | false | true |
|
||
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Customer makes "AUTOPAY" repayment on "01 April 2024" with 67.06 EUR transaction amount and check external owner
|
||
Then Loan's all installments have obligations met
|
||
|
||
@TestRailId:C3948
|
||
Scenario: Verify backdated interest rate INCREASE on charged-off loan - backdated, charged-off, regular - UC4.4
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_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 |
|
||
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 |
|
||
When Admin sets the business date to "01 March 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 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 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 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 | 34.02 | 0.0 | 0.0 | 68.03 |
|
||
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 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
When Admin sets the business date to "01 April 2024"
|
||
And Admin does charge-off the loan on "01 April 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 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 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 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 | 34.02 | 0.0 | 0.0 | 68.03 |
|
||
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 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Charge-off | 68.03 | 67.05 | 0.98 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 15 January 2024 | 01 April 2024 | | | | | 12 |
|
||
# Verify increased interest 7% to 12% causes higher charge-off amount after reversal/replay
|
||
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 March 2024 | 83.6 | 16.4 | 0.83 | 0.0 | 0.0 | 17.23 | 17.23 | 0.0 | 0.22 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.21 | 16.39 | 0.84 | 0.0 | 0.0 | 17.23 | 16.79 | 0.0 | 0.0 | 0.44 |
|
||
| 3 | 31 | 01 April 2024 | | 50.65 | 16.56 | 0.67 | 0.0 | 0.0 | 17.23 | 0.0 | 0.0 | 0.0 | 17.23 |
|
||
| 4 | 30 | 01 May 2024 | | 33.93 | 16.72 | 0.51 | 0.0 | 0.0 | 17.23 | 0.0 | 0.0 | 0.0 | 17.23 |
|
||
| 5 | 31 | 01 June 2024 | | 17.04 | 16.89 | 0.34 | 0.0 | 0.0 | 17.23 | 0.0 | 0.0 | 0.0 | 17.23 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 17.04 | 0.17 | 0.0 | 0.0 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 3.36 | 0.0 | 0.0 | 103.36 | 34.02 | 0.0 | 0.22 | 69.34 |
|
||
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 | Repayment | 17.01 | 16.4 | 0.61 | 0.0 | 0.0 | 83.6 | false | true |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.39 | 0.62 | 0.0 | 0.0 | 67.21 | false | true |
|
||
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Accrual | 0.88 | 0.0 | 0.88 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Charge-off | 69.34 | 67.21 | 2.13 | 0.0 | 0.0 | 0.0 | false | true |
|
||
|
||
@TestRailId:C3949
|
||
Scenario: Verify backdated interest modification with PARTIAL payment before charge-off - backdated, charged-off, zero interest - UC4.5
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF | 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
|
||
And Admin runs inline COB job for Loan
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 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 "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 10.00 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 | 10.0 | 0.0 | 0.0 | 7.01 |
|
||
| 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 | 10.0 | 0.0 | 0.0 | 92.05 |
|
||
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 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | false | false |
|
||
When Admin sets the business date to "01 March 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 10.00 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 March 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 7.01 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 2.99 | 0.0 | 0.0 | 14.02 |
|
||
| 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 | 20.0 | 0.0 | 7.01 | 82.05 |
|
||
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 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | false | false |
|
||
| 01 March 2024 | Repayment | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 80.58 | false | false |
|
||
When Admin sets the business date to "01 April 2024"
|
||
And Admin does charge-off the loan on "01 April 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 March 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 7.01 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 2.99 | 0.0 | 0.0 | 14.02 |
|
||
| 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 | | 33.42 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.41 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.41 | 0.0 | 0.0 | 0.0 | 16.41 | 0.0 | 0.0 | 0.0 | 16.41 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.46 | 0.0 | 0.0 | 101.46 | 20.0 | 0.0 | 7.01 | 81.46 |
|
||
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 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | false | false |
|
||
| 01 March 2024 | Repayment | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 80.58 | false | false |
|
||
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Charge-off | 81.46 | 80.58 | 0.88 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 February 2024 | 01 April 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 March 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 7.01 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 66.97 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 2.99 | 0.0 | 0.0 | 13.89 |
|
||
| 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 | | 33.43 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
||
| 5 | 31 | 01 June 2024 | | 16.55 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.55 | 0.0 | 0.0 | 0.0 | 16.55 | 0.0 | 0.0 | 0.0 | 16.55 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.08 | 0.0 | 0.0 | 101.08 | 20.0 | 0.0 | 7.01 | 81.08 |
|
||
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 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | false | false |
|
||
| 01 March 2024 | Repayment | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 80.58 | false | false |
|
||
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Accrual Adjustment | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Charge-off | 81.08 | 80.58 | 0.5 | 0.0 | 0.0 | 0.0 | false | true |
|
||
|
||
@TestRailId:C3950
|
||
Scenario: Verify multiple backdated interest modifications after charge-off - backdated, charged-off, accelerate maturity - UC4.6
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 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
|
||
And Admin runs inline COB job for Loan
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 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 "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 |
|
||
When Admin sets the business date to "01 March 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 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 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 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 | 34.02 | 0.0 | 0.0 | 68.03 |
|
||
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 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
When Admin sets the business date to "01 April 2024"
|
||
And Admin does charge-off the loan on "01 April 2024"
|
||
Then Loan Repayment schedule has 3 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 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 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | | 0.0 | 67.05 | 0.39 | 0.0 | 0.0 | 67.44 | 0.0 | 0.0 | 0.0 | 67.44 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.46 | 0.0 | 0.0 | 101.46 | 34.02 | 0.0 | 0.0 | 67.44 |
|
||
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 | 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 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Charge-off | 67.44 | 67.05 | 0.39 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# First interest modification 7% -> 5%
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 15 January 2024 | 01 April 2024 | | | | | 5 |
|
||
Then Loan Repayment schedule has 3 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.49 | 0.0 | 0.0 | 16.92 | 16.92 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.0 | 16.57 | 0.35 | 0.0 | 0.0 | 16.92 | 16.92 | 0.09 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | | 0.0 | 67.0 | 0.28 | 0.0 | 0.0 | 67.28 | 0.18 | 0.18 | 0.0 | 67.1 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.12 | 0.0 | 0.0 | 101.12 | 34.02 | 0.27 | 0.0 | 67.1 |
|
||
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 | 16.52 | 0.49 | 0.0 | 0.0 | 83.48 | false | true |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.66 | 0.35 | 0.0 | 0.0 | 66.82 | false | true |
|
||
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Accrual Adjustment | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Charge-off | 67.1 | 66.82 | 0.28 | 0.0 | 0.0 | 0.0 | false | true |
|
||
# Second interest modification 5% -> 3%
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 20 February 2024 | 01 April 2024 | | | | | 3 |
|
||
Then Loan Repayment schedule has 3 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.49 | 0.0 | 0.0 | 16.92 | 16.92 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.01 | 16.56 | 0.3 | 0.0 | 0.0 | 16.86 | 16.86 | 0.09 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | | 0.0 | 67.01 | 0.17 | 0.0 | 0.0 | 67.18 | 0.24 | 0.24 | 0.0 | 66.94 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 0.96 | 0.0 | 0.0 | 100.96 | 34.02 | 0.33 | 0.0 | 66.94 |
|
||
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 | 16.52 | 0.49 | 0.0 | 0.0 | 83.48 | false | true |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.71 | 0.3 | 0.0 | 0.0 | 66.77 | false | true |
|
||
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Accrual Adjustment | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Accrual Adjustment | 0.16 | 0.0 | 0.16 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Charge-off | 66.94 | 66.77 | 0.17 | 0.0 | 0.0 | 0.0 | false | true |
|
||
|
||
@TestRailId:C3951
|
||
Scenario: Verify backdated interest modification with fees and penalties on charged-off loan - backdated, charged-off, regular - UC4.7
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_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 |
|
||
When Admin sets the business date to "10 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "10 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 | 10 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 | | 67.08 | 16.49 | 0.52 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.46 | 16.62 | 0.39 | 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 | 17.01 | 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 |
|
||
| 10 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
When Admin adds "LOAN_NSF_FEE" due date charge with "20 February 2024" due date and 5 EUR transaction amount
|
||
And Admin adds "LOAN_SNOOZE_FEE" due date charge with "20 February 2024" due date and 8 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 | 10 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 | | 67.08 | 16.49 | 0.52 | 8.0 | 5.0 | 30.01 | 0.0 | 0.0 | 0.0 | 30.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.46 | 16.62 | 0.39 | 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 | 8.0 | 5.0 | 115.08 | 17.01 | 0.0 | 17.01 | 98.07 |
|
||
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 |
|
||
| 10 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
When Admin sets the business date to "01 April 2024"
|
||
And Admin does charge-off the loan on "01 April 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 10 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 | | 67.08 | 16.49 | 0.52 | 8.0 | 5.0 | 30.01 | 0.0 | 0.0 | 0.0 | 30.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.56 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.84 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 17.03 | 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 | 17.03 | 0.1 | 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 | 2.18 | 8.0 | 5.0 | 115.18 | 17.01 | 0.0 | 17.01 | 98.17 |
|
||
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 |
|
||
| 10 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 April 2024 | Accrual | 1.59 | 0.0 | 1.59 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Charge-off | 98.17 | 83.57 | 1.6 | 8.0 | 5.0 | 0.0 | false | false |
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 February 2024 | 01 April 2024 | | | | | 4 |
|
||
# Verify fee/penalties are correctly handled in charge-off reversal/replay
|
||
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 | 10 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 | | 66.99 | 16.58 | 0.3 | 8.0 | 5.0 | 29.88 | 0.0 | 0.0 | 0.0 | 29.88 |
|
||
| 3 | 31 | 01 April 2024 | | 50.39 | 16.6 | 0.28 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
||
| 4 | 30 | 01 May 2024 | | 33.68 | 16.71 | 0.17 | 0.0 | 0.0 | 16.88 | 0.0 | 0.0 | 0.0 | 16.88 |
|
||
| 5 | 31 | 01 June 2024 | | 16.91 | 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 | 16.91 | 0.06 | 0.0 | 0.0 | 16.97 | 0.0 | 0.0 | 0.0 | 16.97 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.5 | 8.0 | 5.0 | 114.5 | 17.01 | 0.0 | 17.01 | 97.49 |
|
||
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 |
|
||
| 10 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 April 2024 | Accrual | 1.59 | 0.0 | 1.59 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Accrual Adjustment | 0.43 | 0.0 | 0.43 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Charge-off | 97.49 | 83.57 | 0.92 | 8.0 | 5.0 | 0.0 | false | true |
|
||
|
||
@TestRailId:C3968
|
||
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC1: interest recalculation, no overdue installment
|
||
When Admin sets the business date to "01 April 2025"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
|
||
When Admin successfully disburse the loan on "01 April 2025" 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
When Admin sets the business date to "01 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
And Customer makes "AUTOPAY" repayment on "01 May 2025" with 250.0 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | 01 May 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
| 01 May 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
|
||
When Admin sets the business date to "05 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 May 2025 | 02 May 2025 | | | | | 12 |
|
||
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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | 01 May 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 June 2025 | | 502.49 | 247.51 | 7.5 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 |
|
||
| 3 | 30 | 01 July 2025 | | 252.5 | 249.99 | 5.02 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 252.5 | 2.52 | 0.0 | 0.0 | 255.02 | 0.0 | 0.0 | 0.0 | 255.02 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 15.04 | 0.0 | 0.0 | 1015.04 | 250.0 | 0.0 | 0.0 | 765.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
| 01 May 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
|
||
|
||
@TestRailId:C3969
|
||
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC2: interest recalculation, overdue installment
|
||
When Admin sets the business date to "01 April 2025"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
|
||
When Admin successfully disburse the loan on "01 April 2025" 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
When Admin sets the business date to "01 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
When Admin sets the business date to "15 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 May 2025 | 02 May 2025 | | | | | 12 |
|
||
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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 June 2025 | | 503.62 | 246.38 | 8.63 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 |
|
||
| 3 | 30 | 01 July 2025 | | 253.65 | 249.97 | 5.04 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 253.65 | 2.54 | 0.0 | 0.0 | 256.19 | 0.0 | 0.0 | 0.0 | 256.19 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 16.21 | 0.0 | 0.0 | 1016.21 | 0.0 | 0.0 | 0.0 | 1016.21 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
|
||
@TestRailId:C3970
|
||
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC3: interest recalculation, overdue installment, interest rate 12->0 on disbursement day
|
||
When Admin sets the business date to "01 April 2025"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 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 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
|
||
When Admin successfully disburse the loan on "01 April 2025" 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 753.72 | 246.28 | 10.0 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
|
||
| 2 | 31 | 01 June 2025 | | 504.98 | 248.74 | 7.54 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
|
||
| 3 | 30 | 01 July 2025 | | 253.75 | 251.23 | 5.05 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 253.75 | 2.54 | 0.0 | 0.0 | 256.29 | 0.0 | 0.0 | 0.0 | 256.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 25.13 | 0.0 | 0.0 | 1025.13 | 0.0 | 0.0 | 0.0 | 1025.13 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 April 2025 | 02 April 2025 | | | | | 0 |
|
||
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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
When Admin sets the business date to "01 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
When Admin sets the business date to "15 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 May 2025 | 02 May 2025 | | | | | 12 |
|
||
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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 June 2025 | | 503.62 | 246.38 | 8.63 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 |
|
||
| 3 | 30 | 01 July 2025 | | 253.65 | 249.97 | 5.04 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 253.65 | 2.54 | 0.0 | 0.0 | 256.19 | 0.0 | 0.0 | 0.0 | 256.19 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 16.21 | 0.0 | 0.0 | 1016.21 | 0.0 | 0.0 | 0.0 | 1016.21 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
|
||
@TestRailId:C3971
|
||
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC4: no interest recalculation, overdue installment
|
||
When Admin sets the business date to "01 April 2025"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
|
||
When Admin successfully disburse the loan on "01 April 2025" 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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
When Admin sets the business date to "01 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
When Admin sets the business date to "15 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 May 2025 | 02 May 2025 | | | | | 12 |
|
||
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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 June 2025 | | 502.49 | 247.51 | 7.5 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 |
|
||
| 3 | 30 | 01 July 2025 | | 252.5 | 249.99 | 5.02 | 0.0 | 0.0 | 255.01 | 0.0 | 0.0 | 0.0 | 255.01 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 252.5 | 2.52 | 0.0 | 0.0 | 255.02 | 0.0 | 0.0 | 0.0 | 255.02 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 15.04 | 0.0 | 0.0 | 1015.04 | 0.0 | 0.0 | 0.0 | 1015.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
|
||
@TestRailId:C3972
|
||
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC5: change interest rate fails on loan outside min and max set on loan product
|
||
When Admin sets the business date to "01 April 2025"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_MIN_INT_3_MAX_INT_20 | 01 April 2025 | 1000 | 6 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
|
||
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
When Admin sets the business date to "01 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin sets the business date to "15 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
Then Loan reschedule with the following data results a 400 error and "NEW_INTEREST_RATE_IS_1_BUT_MINIMUM_IS_3" error message
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 May 2025 | 02 May 2025 | | | | | 1 |
|
||
Then Loan reschedule with the following data results a 400 error and "NEW_INTEREST_RATE_IS_45_BUT_MAXIMUM_IS_20" error message
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 May 2025 | 02 May 2025 | | | | | 45 |
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 May 2025 | 02 May 2025 | | | | | 12 |
|
||
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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 751.87 | 248.13 | 5.0 | 0.0 | 0.0 | 253.13 | 0.0 | 0.0 | 0.0 | 253.13 |
|
||
| 2 | 31 | 01 June 2025 | | 504.86 | 247.01 | 8.64 | 0.0 | 0.0 | 255.65 | 0.0 | 0.0 | 0.0 | 255.65 |
|
||
| 3 | 30 | 01 July 2025 | | 254.26 | 250.6 | 5.05 | 0.0 | 0.0 | 255.65 | 0.0 | 0.0 | 0.0 | 255.65 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 254.26 | 2.54 | 0.0 | 0.0 | 256.8 | 0.0 | 0.0 | 0.0 | 256.8 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 21.23 | 0.0 | 0.0 | 1021.23 | 0.0 | 0.0 | 0.0 | 1021.23 |
|
||
|
||
@TestRailId:C3973
|
||
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC6: Minimal Interest Rate
|
||
When Admin sets the business date to "01 April 2025"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
|
||
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
|
||
And Admin sets the business date to "01 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin sets the business date to "05 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 May 2025 | 02 May 2025 | | | | | 0.01 |
|
||
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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 June 2025 | | 500.01 | 249.99 | 0.01 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 30 | 01 July 2025 | | 250.01 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 250.01 | 0.0 | 0.0 | 0.0 | 250.01 | 0.0 | 0.0 | 0.0 | 250.01 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.01 | 0.0 | 0.0 | 1000.01 | 0.0 | 0.0 | 0.0 | 1000.01 |
|
||
|
||
@TestRailId:C3974
|
||
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC7: Single Digit Interest
|
||
When Admin sets the business date to "01 April 2025"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
|
||
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
|
||
And Admin sets the business date to "01 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin sets the business date to "05 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 May 2025 | 02 May 2025 | | | | | 1 |
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 June 2025 | | 500.23 | 249.77 | 0.65 | 0.0 | 0.0 | 250.42 | 0.0 | 0.0 | 0.0 | 250.42 |
|
||
| 3 | 30 | 01 July 2025 | | 250.23 | 250.0 | 0.42 | 0.0 | 0.0 | 250.42 | 0.0 | 0.0 | 0.0 | 250.42 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 250.23 | 0.21 | 0.0 | 0.0 | 250.44 | 0.0 | 0.0 | 0.0 | 250.44 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 1.28 | 0.0 | 0.0 | 1001.28 | 0.0 | 0.0 | 0.0 | 1001.28 |
|
||
|
||
@TestRailId:C3975
|
||
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC8: Immediate Reschedule
|
||
When Admin sets the business date to "01 April 2025"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
|
||
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
|
||
And Admin sets the business date to "02 April 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 April 2025 | 02 April 2025 | | | | | 12 |
|
||
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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 753.72 | 246.28 | 10.0 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
|
||
| 2 | 31 | 01 June 2025 | | 504.98 | 248.74 | 7.54 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
|
||
| 3 | 30 | 01 July 2025 | | 253.75 | 251.23 | 5.05 | 0.0 | 0.0 | 256.28 | 0.0 | 0.0 | 0.0 | 256.28 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 253.75 | 2.54 | 0.0 | 0.0 | 256.29 | 0.0 | 0.0 | 0.0 | 256.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 25.13 | 0.0 | 0.0 | 1025.13 | 0.0 | 0.0 | 0.0 | 1025.13 |
|
||
|
||
@TestRailId:C3976
|
||
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC9: Mid-Loan Reschedule with repayments
|
||
When Admin sets the business date to "01 April 2025"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
|
||
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
|
||
And Admin sets the business date to "01 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
And Customer makes "AUTOPAY" repayment on "01 May 2025" with 250.0 EUR transaction amount
|
||
When Admin sets the business date to "01 June 2025"
|
||
And Admin runs inline COB job for Loan
|
||
And Customer makes "AUTOPAY" repayment on "01 June 2025" with 250.0 EUR transaction amount
|
||
When Admin sets the business date to "05 June 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 June 2025 | 02 June 2025 | | | | | 12 |
|
||
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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | 01 May 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 June 2025 | 01 June 2025 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 30 | 01 July 2025 | | 251.24 | 248.76 | 5.0 | 0.0 | 0.0 | 253.76 | 0.0 | 0.0 | 0.0 | 253.76 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 251.24 | 2.51 | 0.0 | 0.0 | 253.75 | 0.0 | 0.0 | 0.0 | 253.75 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 7.51 | 0.0 | 0.0 | 1007.51 | 500.0 | 0.0 | 0.0 | 507.51 |
|
||
|
||
@TestRailId:C3977
|
||
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC10: Late Stage Reschedule with repayment and overdue installment
|
||
When Admin sets the business date to "01 April 2025"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
|
||
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
|
||
And Admin sets the business date to "01 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
And Customer makes "AUTOPAY" repayment on "01 May 2025" with 250.0 EUR transaction amount
|
||
When Admin sets the business date to "01 June 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin sets the business date to "01 July 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin sets the business date to "05 July 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 July 2025 | 02 July 2025 | | | | | 12 |
|
||
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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | 01 May 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 June 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 30 | 01 July 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 250.0 | 3.15 | 0.0 | 0.0 | 253.15 | 0.0 | 0.0 | 0.0 | 253.15 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 3.15 | 0.0 | 0.0 | 1003.15 | 250.0 | 0.0 | 0.0 | 753.15 |
|
||
|
||
@TestRailId:C3978
|
||
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC11: Sequential Rate Increases
|
||
When Admin sets the business date to "01 April 2025"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
|
||
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
|
||
And Admin sets the business date to "01 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin sets the business date to "05 May 2025"
|
||
And Admin runs inline COB job for Loan
|
||
# First reschedule: 0% -> 6%
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 May 2025 | 02 May 2025 | | | | | 6 |
|
||
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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 June 2025 | | 501.4 | 248.6 | 3.91 | 0.0 | 0.0 | 252.51 | 0.0 | 0.0 | 0.0 | 252.51 |
|
||
| 3 | 30 | 01 July 2025 | | 251.4 | 250.0 | 2.51 | 0.0 | 0.0 | 252.51 | 0.0 | 0.0 | 0.0 | 252.51 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 251.4 | 1.26 | 0.0 | 0.0 | 252.66 | 0.0 | 0.0 | 0.0 | 252.66 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 7.68 | 0.0 | 0.0 | 1007.68 | 0.0 | 0.0 | 0.0 | 1007.68 |
|
||
When Admin sets the business date to "01 June 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin sets the business date to "05 June 2025"
|
||
And Admin runs inline COB job for Loan
|
||
# Second reschedule: 6% -> 12%
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 June 2025 | 02 June 2025 | | | | | 12 |
|
||
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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 June 2025 | | 502.49 | 247.51 | 5.0 | 0.0 | 0.0 | 252.51 | 0.0 | 0.0 | 0.0 | 252.51 |
|
||
| 3 | 30 | 01 July 2025 | | 253.79 | 248.7 | 5.69 | 0.0 | 0.0 | 254.39 | 0.0 | 0.0 | 0.0 | 254.39 |
|
||
| 4 | 31 | 01 August 2025 | | 0.0 | 253.79 | 2.54 | 0.0 | 0.0 | 256.33 | 0.0 | 0.0 | 0.0 | 256.33 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 13.23 | 0.0 | 0.0 | 1013.23 | 0.0 | 0.0 | 0.0 | 1013.23 |
|
||
|
||
@TestRailId:C3979
|
||
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC12: Negative Rate Validation
|
||
When Admin sets the business date to "01 April 2025"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
|
||
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
|
||
Then Loan reschedule with the following data results a 400 error and "LOAN_INTEREST_RATE_CANNOT_BE_NEGATIVE" error message
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 02 May 2025 | 02 May 2025 | | | | | -1 |
|
||
|
||
@TestRailId:C3980
|
||
Scenario: Verify repayment schedule after reschedule with interest rate change 0->12 - UC13: weekly repayments
|
||
When Admin sets the business date to "01 April 2025"
|
||
And Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | WEEKS | 1 | WEEKS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 April 2025" with "1000" amount and expected disbursement date on "01 April 2025"
|
||
When Admin successfully disburse the loan on "01 April 2025" with "1000" EUR transaction amount
|
||
And Admin sets the business date to "08 April 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin sets the business date to "10 April 2025"
|
||
And Admin runs inline COB job for Loan
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 09 April 2025 | 09 April 2025 | | | | | 12 |
|
||
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 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 7 | 08 April 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 7 | 15 April 2025 | | 500.75 | 249.25 | 1.92 | 0.0 | 0.0 | 251.17 | 0.0 | 0.0 | 0.0 | 251.17 |
|
||
| 3 | 7 | 22 April 2025 | | 250.75 | 250.0 | 1.17 | 0.0 | 0.0 | 251.17 | 0.0 | 0.0 | 0.0 | 251.17 |
|
||
| 4 | 7 | 29 April 2025 | | 0.0 | 250.75 | 0.59 | 0.0 | 0.0 | 251.34 | 0.0 | 0.0 | 0.0 | 251.34 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 3.68 | 0.0 | 0.0 | 1003.68 | 0.0 | 0.0 | 0.0 | 1003.68 |
|