2562 lines
317 KiB
Gherkin
2562 lines
317 KiB
Gherkin
@InterestPauseFeature
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Feature: Loan interest pause on repayment schedule
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@TestRailId:C3475
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Scenario: S1 - pause calculation within same period, interestRecalculation = true
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When Admin sets the business date to "1 January 2024"
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And Admin creates a client with random data
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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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 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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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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
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And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
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And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
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When Admin sets the business date to "1 February 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 Create an interest pause period with start date "05 February 2024" and end date "10 February 2024"
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Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "05 February 2024" to "10 February 2024"
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Then LoanBalanceChangedBusinessEvent is created on "01 February 2024"
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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 | | 66.95 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
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| 3 | 31 | 01 April 2024 | | 50.33 | 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 | | 33.61 | 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 | | 16.8 | 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 | 16.8 | 0.1 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
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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 | 1.95 | 0 | 0 | 101.95 | 17.01 | 0 | 0 | 84.94 |
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When Loan Pay-off is made on "01 February 2024"
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Then Loan is closed with zero outstanding balance and it's all installments have obligations met
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@TestRailId:C3476
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Scenario: S2 - pause calculation between two periods, interestRecalculation = true
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When Admin sets the business date to "1 January 2024"
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And Admin creates a client with random data
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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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 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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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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
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And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
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And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
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When Admin sets the business date to "1 February 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 Create an interest pause period with start date "10 February 2024" and end date "10 March 2024"
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Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "10 February 2024" to "10 March 2024"
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Then LoanBalanceChangedBusinessEvent is created on "01 February 2024"
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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 | | 66.69 | 16.88 | 0.13 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
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| 3 | 31 | 01 April 2024 | | 49.96 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
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| 4 | 30 | 01 May 2024 | | 33.24 | 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 | | 16.42 | 16.82 | 0.19 | 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 | 16.42 | 0.1 | 0.0 | 0.0 | 16.52 | 0.0 | 0.0 | 0.0 | 16.52 |
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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 | 1.57 | 0 | 0 | 101.57 | 17.01 | 0 | 0 | 84.56 |
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When Loan Pay-off is made on "01 February 2024"
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Then Loan is closed with zero outstanding balance and it's all installments have obligations met
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@TestRailId:C3477
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Scenario: Backdated pause after the repayment
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When Admin sets the business date to "1 January 2024"
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And Admin creates a client with random data
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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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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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
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And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
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And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
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When Admin sets the business date to "1 March 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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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 | | 50.43 | 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 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 |
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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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And Create an interest pause period with start date "05 February 2024" and end date "10 February 2024"
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Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "05 February 2024" to "10 February 2024"
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Then LoanBalanceChangedBusinessEvent is created on "01 March 2024"
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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 | 66.95 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
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| 3 | 31 | 01 April 2024 | | 50.33 | 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 | | 33.61 | 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 | | 16.8 | 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 | 16.8 | 0.1 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
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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 | 1.95 | 0 | 0 | 101.95 | 34.02 | 0 | 0 | 67.93 |
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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 | 16.62 | 0.39 | 0.0 | 0.0 | 66.95 | false | true |
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When Loan Pay-off is made on "01 March 2024"
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Then Loan is closed with zero outstanding balance and it's all installments have obligations met
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@TestRailId:C3478
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Scenario: Multiple pause
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When Admin sets the business date to "1 January 2024"
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And Admin creates a client with random data
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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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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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
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And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
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And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
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When Admin sets the business date to "1 March 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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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 | | 50.43 | 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 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 |
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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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And Create an interest pause period with start date "05 February 2024" and end date "10 February 2024"
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Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "05 February 2024" to "10 February 2024"
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Then LoanBalanceChangedBusinessEvent is created on "01 March 2024"
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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 | 66.95 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
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| 3 | 31 | 01 April 2024 | | 50.33 | 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 | | 33.61 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.8 | 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 | 16.8 | 0.1 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 1.95 | 0 | 0 | 101.95 | 34.02 | 0 | 0 | 67.93 |
|
|
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 | 16.62 | 0.39 | 0.0 | 0.0 | 66.95 | false | true |
|
|
And Create an interest pause period with start date "10 March 2024" and end date "20 March 2024"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "10 March 2024" to "20 March 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created 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 | 01 March 2024 | 66.95 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.19 | 16.76 | 0.25 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.47 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.66 | 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 | 16.66 | 0.1 | 0.0 | 0.0 | 16.76 | 0.0 | 0.0 | 0.0 | 16.76 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 1.81 | 0 | 0 | 101.81 | 34.02 | 0 | 0 | 67.79 |
|
|
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 | 16.62 | 0.39 | 0.0 | 0.0 | 66.95 | false | true |
|
|
|
|
When Loan Pay-off is made on "01 March 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3479
|
|
Scenario: Interest accrual pause between two periods - UC2
|
|
When Admin sets the business date to "2 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 |
|
|
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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
And Create an interest pause period with start date "10 February 2024" and end date "10 March 2024"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "10 February 2024" to "10 March 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created on "02 January 2024"
|
|
Then Loan term variations has 1 variation, with the following data:
|
|
| Term Type Id | Term Type Code | Term Type Value | Applicable From | Decimal Value | Date Value | Is Specific To Installment | Is Processed |
|
|
| 11 | loanTermType.interestPause | interestPause | 10 February 2024 | 0.0 | 10 March 2024 | false | |
|
|
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 | | 66.69 | 16.88 | 0.13 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 49.96 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.24 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.42 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.42 | 0.1 | 0.0 | 0.0 | 16.52 | 0.0 | 0.0 | 0.0 | 16.52 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 1.57 | 0 | 0 | 101.57 | 0.0 | 0 | 0 | 101.57 |
|
|
When Admin sets the business date to "12 February 2024"
|
|
When Admin runs inline COB job for Loan
|
|
And Customer makes "AUTOPAY" repayment on "12 February 2024" with 0.01 EUR transaction amount
|
|
When Admin sets the business date to "15 March 2024"
|
|
When Admin runs inline COB job for Loan
|
|
When Admin sets the business date to "5 April 2024"
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 February 2024 | Repayment | 0.01 | 0.01 | 0.0 | 0.0 | 0.0 | 99.99 | false | false |
|
|
| 11 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 31 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "5 April 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3480
|
|
Scenario: Early repayment and interest pause
|
|
When Admin sets the business date to "1 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 |
|
|
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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "14 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "14 January 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 | 14 January 2024 | 83.23 | 16.77 | 0.24 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.0 | 16.23 | 0.78 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.0 | 0 | 0 | 102.0 | 17.01 | 17.01 | 0 | 84.99 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 14 January 2024 | Repayment | 17.01 | 16.77 | 0.24 | 0.0 | 0.0 | 83.23 | false | false |
|
|
And Create an interest pause period with start date "15 January 2024" and end date "25 January 2024"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "15 January 2024" to "25 January 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created on "14 January 2024"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 14 January 2024 | 83.23 | 16.77 | 0.24 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 66.82 | 16.41 | 0.6 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.2 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.48 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.67 | 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 | 16.67 | 0.1 | 0.0 | 0.0 | 16.77 | 0.0 | 0.0 | 0.0 | 16.77 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 1.82 | 0 | 0 | 101.82 | 17.01 | 17.01 | 0 | 84.81 |
|
|
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 |
|
|
| 14 January 2024 | Repayment | 17.01 | 16.77 | 0.24 | 0.0 | 0.0 | 83.23 | false | false |
|
|
|
|
When Loan Pay-off is made on "14 January 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3624
|
|
Scenario: Verify repayment in the middle of interest pause period - UC1
|
|
When Admin sets the business date to "01 April 2025"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 April 2025 | 1000 | 27 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 18 | MONTHS | 1 | MONTHS | 18 | 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 runs inline COB job for Loan
|
|
And Create an interest pause period with start date "15 April 2025" and end date "25 April 2025"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "15 April 2025" to "25 April 2025"
|
|
Then LoanBalanceChangedBusinessEvent is created on "01 April 2025"
|
|
When Admin sets the business date to "20 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 18 periods, with the 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 | | 946.07 | 53.93 | 14.25 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 2 | 31 | 01 June 2025 | | 899.18 | 46.89 | 21.29 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 3 | 30 | 01 July 2025 | | 851.23 | 47.95 | 20.23 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 4 | 31 | 01 August 2025 | | 802.2 | 49.03 | 19.15 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 5 | 31 | 01 September 2025 | | 752.07 | 50.13 | 18.05 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 6 | 30 | 01 October 2025 | | 700.81 | 51.26 | 16.92 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 7 | 31 | 01 November 2025 | | 648.4 | 52.41 | 15.77 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 8 | 30 | 01 December 2025 | | 594.81 | 53.59 | 14.59 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 9 | 31 | 01 January 2026 | | 540.01 | 54.8 | 13.38 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 10 | 31 | 01 February 2026 | | 483.98 | 56.03 | 12.15 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 11 | 28 | 01 March 2026 | | 426.69 | 57.29 | 10.89 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 12 | 31 | 01 April 2026 | | 368.11 | 58.58 | 9.6 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 13 | 30 | 01 May 2026 | | 308.21 | 59.9 | 8.28 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 14 | 31 | 01 June 2026 | | 246.96 | 61.25 | 6.93 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 15 | 30 | 01 July 2026 | | 184.34 | 62.62 | 5.56 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 16 | 31 | 01 August 2026 | | 120.31 | 64.03 | 4.15 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 17 | 31 | 01 September 2026 | | 54.84 | 65.47 | 2.71 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 18 | 30 | 01 October 2026 | | 0.0 | 54.84 | 1.23 | 0.0 | 0.0 | 56.07 | 0.0 | 0.0 | 0.0 | 56.07 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 215.13 | 0.0 | 0.0 | 1215.13 | 0.0 | 0.0 | 0.0 | 1215.13 |
|
|
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 |
|
|
| 02 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
And Customer makes "AUTOPAY" repayment on "20 April 2025" with 68.18 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2025"
|
|
And Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 18 periods, with the 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 | 20 April 2025 | 941.57 | 58.43 | 9.75 | 0.0 | 0.0 | 68.18 | 68.18 | 68.18 | 0.0 | 0.0 |
|
|
| 2 | 31 | 01 June 2025 | | 898.82 | 42.75 | 25.43 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 3 | 30 | 01 July 2025 | | 850.86 | 47.96 | 20.22 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 4 | 31 | 01 August 2025 | | 801.82 | 49.04 | 19.14 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 5 | 31 | 01 September 2025 | | 751.68 | 50.14 | 18.04 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 6 | 30 | 01 October 2025 | | 700.41 | 51.27 | 16.91 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 7 | 31 | 01 November 2025 | | 647.99 | 52.42 | 15.76 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 8 | 30 | 01 December 2025 | | 594.39 | 53.6 | 14.58 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 9 | 31 | 01 January 2026 | | 539.58 | 54.81 | 13.37 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 10 | 31 | 01 February 2026 | | 483.54 | 56.04 | 12.14 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 11 | 28 | 01 March 2026 | | 426.24 | 57.3 | 10.88 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 12 | 31 | 01 April 2026 | | 367.65 | 58.59 | 9.59 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 13 | 30 | 01 May 2026 | | 307.74 | 59.91 | 8.27 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 14 | 31 | 01 June 2026 | | 246.48 | 61.26 | 6.92 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 15 | 30 | 01 July 2026 | | 183.85 | 62.63 | 5.55 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 16 | 31 | 01 August 2026 | | 119.81 | 64.04 | 4.14 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 17 | 31 | 01 September 2026 | | 54.33 | 65.48 | 2.7 | 0.0 | 0.0 | 68.18 | 0.0 | 0.0 | 0.0 | 68.18 |
|
|
| 18 | 30 | 01 October 2026 | | 0.0 | 54.33 | 1.22 | 0.0 | 0.0 | 55.55 | 0.0 | 0.0 | 0.0 | 55.55 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 214.61 | 0.0 | 0.0 | 1214.61 | 68.18 | 68.18 | 0.0 | 1146.43 |
|
|
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 |
|
|
| 02 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 April 2025 | Repayment | 68.18 | 58.43 | 9.75 | 0.0 | 0.0 | 941.57 | false | false |
|
|
| 26 April 2025 | Accrual | 0.71 | 0.0 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 April 2025 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 April 2025 | Accrual | 0.71 | 0.0 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 April 2025 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 April 2025 | Accrual | 0.71 | 0.0 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "01 May 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3625
|
|
Scenario: Verify a few repayments in the middle of interest pause period - UC2
|
|
When Admin sets the business date to "01 April 2025"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_SARP_TILL_PRECLOSE | 01 April 2025 | 1000 | 36 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 240 | DAYS | 15 | DAYS | 16 | 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 runs inline COB job for Loan
|
|
And Create an interest pause period with start date "15 April 2025" and end date "05 May 2025"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "15 April 2025" to "05 May 2025"
|
|
Then LoanBalanceChangedBusinessEvent is created on "01 April 2025"
|
|
When Admin sets the business date to "20 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 16 periods, with the 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 | 15 | 16 April 2025 | | 942.24 | 57.76 | 13.0 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 2 | 15 | 01 May 2025 | | 871.48 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 3 | 15 | 16 May 2025 | | 810.31 | 61.17 | 9.59 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 4 | 15 | 31 May 2025 | | 751.7 | 58.61 | 12.15 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 5 | 15 | 15 June 2025 | | 692.22 | 59.48 | 11.28 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 6 | 15 | 30 June 2025 | | 631.84 | 60.38 | 10.38 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 7 | 15 | 15 July 2025 | | 570.56 | 61.28 | 9.48 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 8 | 15 | 30 July 2025 | | 508.36 | 62.2 | 8.56 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 9 | 15 | 14 August 2025 | | 445.23 | 63.13 | 7.63 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 10 | 15 | 29 August 2025 | | 381.15 | 64.08 | 6.68 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 11 | 15 | 13 September 2025 | | 316.11 | 65.04 | 5.72 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 12 | 15 | 28 September 2025 | | 250.09 | 66.02 | 4.74 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 13 | 15 | 13 October 2025 | | 183.08 | 67.01 | 3.75 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 14 | 15 | 28 October 2025 | | 115.07 | 68.01 | 2.75 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 15 | 15 | 12 November 2025 | | 46.04 | 69.03 | 1.73 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 16 | 15 | 27 November 2025 | | 0.0 | 46.04 | 0.69 | 0.0 | 0.0 | 46.73 | 0.0 | 0.0 | 0.0 | 46.73 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 108.13 | 0.0 | 0.0 | 1108.13 | 0.0 | 0.0 | 0.0 | 1108.13 |
|
|
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 |
|
|
| 02 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
And Customer makes "AUTOPAY" repayment on "20 April 2025" with 70.76 EUR transaction amount
|
|
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 70.76 EUR transaction amount
|
|
When Admin sets the business date to "10 May 2025"
|
|
And Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 16 periods, with the 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 | 15 | 16 April 2025 | 20 April 2025 | 942.24 | 57.76 | 13.0 | 0.0 | 0.0 | 70.76 | 70.76 | 0.0 | 70.76 | 0.0 |
|
|
| 2 | 15 | 01 May 2025 | 01 May 2025 | 871.48 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 | 70.76 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 16 May 2025 | | 810.31 | 61.17 | 9.59 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 4 | 15 | 31 May 2025 | | 751.7 | 58.61 | 12.15 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 5 | 15 | 15 June 2025 | | 692.22 | 59.48 | 11.28 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 6 | 15 | 30 June 2025 | | 631.84 | 60.38 | 10.38 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 7 | 15 | 15 July 2025 | | 570.56 | 61.28 | 9.48 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 8 | 15 | 30 July 2025 | | 508.36 | 62.2 | 8.56 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 9 | 15 | 14 August 2025 | | 445.23 | 63.13 | 7.63 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 10 | 15 | 29 August 2025 | | 381.15 | 64.08 | 6.68 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 11 | 15 | 13 September 2025 | | 316.11 | 65.04 | 5.72 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 12 | 15 | 28 September 2025 | | 250.09 | 66.02 | 4.74 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 13 | 15 | 13 October 2025 | | 183.08 | 67.01 | 3.75 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 14 | 15 | 28 October 2025 | | 115.07 | 68.01 | 2.75 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 15 | 15 | 12 November 2025 | | 46.04 | 69.03 | 1.73 | 0.0 | 0.0 | 70.76 | 0.0 | 0.0 | 0.0 | 70.76 |
|
|
| 16 | 15 | 27 November 2025 | | 0.0 | 46.04 | 0.69 | 0.0 | 0.0 | 46.73 | 0.0 | 0.0 | 0.0 | 46.73 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 108.13 | 0.0 | 0.0 | 1108.13 | 141.52 | 0.0 | 70.76 | 966.61 |
|
|
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 |
|
|
| 02 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 April 2025 | Repayment | 70.76 | 57.76 | 13.0 | 0.0 | 0.0 | 942.24 | false | false |
|
|
| 01 May 2025 | Repayment | 70.76 | 70.76 | 0.0 | 0.0 | 0.0 | 871.48 | false | false |
|
|
| 06 May 2025 | Accrual | 0.87 | 0.0 | 0.87 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 May 2025 | Accrual | 0.87 | 0.0 | 0.87 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 May 2025 | Accrual | 0.87 | 0.0 | 0.87 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 May 2025 | Accrual | 0.88 | 0.0 | 0.88 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "10 May 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3626
|
|
Scenario: Verify charge with repayment, payout refund and CBR in the middle of interest pause period - UC3
|
|
When Admin sets the business date to "01 April 2025"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE | 01 April 2025 | 1000 | 27 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 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 runs inline COB job for Loan
|
|
And Create an interest pause period with start date "15 April 2025" and end date "25 April 2025"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "15 April 2025" to "25 April 2025"
|
|
Then LoanBalanceChangedBusinessEvent is created on "01 April 2025"
|
|
When Admin sets the business date to "20 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 30 | 01 May 2025 | | 834.21 | 165.79 | 14.25 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
|
|
| 2 | 31 | 01 June 2025 | | 672.94 | 161.27 | 18.77 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
|
|
| 3 | 30 | 01 July 2025 | | 508.04 | 164.9 | 15.14 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
|
|
| 4 | 31 | 01 August 2025 | | 339.43 | 168.61 | 11.43 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
|
|
| 5 | 31 | 01 September 2025 | | 167.03 | 172.4 | 7.64 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
|
|
| 6 | 30 | 01 October 2025 | | 0.0 | 167.03 | 3.76 | 0.0 | 0.0 | 170.79 | 0.0 | 0.0 | 0.0 | 170.79 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 70.99 | 0.0 | 0.0 | 1070.99 | 0.0 | 0.0 | 0.0 | 1070.99 |
|
|
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 |
|
|
| 02 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
And Admin adds "LOAN_NSF_FEE" due date charge with "20 April 2025" due date and 25 EUR transaction amount
|
|
When Admin sets the business date to "21 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
And Customer makes "AUTOPAY" repayment on "21 April 2025" with 800 EUR transaction amount
|
|
When Admin sets the business date to "22 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
And Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "22 April 2025" with 400 EUR transaction amount and self-generated Idempotency key
|
|
When Admin sets the business date to "23 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
And Admin makes Credit Balance Refund transaction on "23 April 2025" with 164.19 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2025"
|
|
And Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 30 | 01 May 2025 | 22 April 2025 | 828.65 | 171.35 | 9.75 | 0.0 | 25.0 | 206.1 | 206.1 | 206.1 | 0.0 | 0.0 |
|
|
| 2 | 31 | 01 June 2025 | 21 April 2025 | 648.61 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 | 180.04 | 180.04 | 0.0 | 0.0 |
|
|
| 3 | 30 | 01 July 2025 | 21 April 2025 | 468.57 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 | 180.04 | 180.04 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 August 2025 | 21 April 2025 | 288.53 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 | 180.04 | 180.04 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 September 2025 | 22 April 2025 | 108.49 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 | 180.04 | 180.04 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 October 2025 | 22 April 2025 | 0.0 | 108.49 | 1.06 | 0.0 | 0.0 | 109.55 | 109.55 | 109.55 | 0.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 10.81 | 0.0 | 25.0 | 1035.81 | 1035.81 | 1035.81 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 02 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 April 2025 | Accrual | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | false | false |
|
|
| 21 April 2025 | Repayment | 800.0 | 765.25 | 9.75 | 0.0 | 25.0 | 234.75 | false | false |
|
|
| 22 April 2025 | Payout Refund | 400.0 | 234.75 | 1.06 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 April 2025 | Accrual | 1.06 | 0.0 | 1.06 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 April 2025 | Credit Balance Refund | 164.19 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3627
|
|
Scenario: Verify repayment with reversed charge-off in the middle of interest pause period - UC4
|
|
When Admin sets the business date to "01 April 2025"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_ACCRUAL_ACTIVITY_POSTING | 01 April 2025 | 1000 | 17 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 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 runs inline COB job for Loan
|
|
And Create an interest pause period with start date "15 April 2025" and end date "25 April 2025"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "15 April 2025" to "25 April 2025"
|
|
Then LoanBalanceChangedBusinessEvent is created on "01 April 2025"
|
|
When Admin sets the business date to "20 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 30 | 01 May 2025 | | 833.94 | 166.06 | 8.97 | 0.0 | 0.0 | 175.03 | 0.0 | 0.0 | 0.0 | 175.03 |
|
|
| 2 | 31 | 01 June 2025 | | 670.72 | 163.22 | 11.81 | 0.0 | 0.0 | 175.03 | 0.0 | 0.0 | 0.0 | 175.03 |
|
|
| 3 | 30 | 01 July 2025 | | 505.19 | 165.53 | 9.5 | 0.0 | 0.0 | 175.03 | 0.0 | 0.0 | 0.0 | 175.03 |
|
|
| 4 | 31 | 01 August 2025 | | 337.32 | 167.87 | 7.16 | 0.0 | 0.0 | 175.03 | 0.0 | 0.0 | 0.0 | 175.03 |
|
|
| 5 | 31 | 01 September 2025 | | 167.07 | 170.25 | 4.78 | 0.0 | 0.0 | 175.03 | 0.0 | 0.0 | 0.0 | 175.03 |
|
|
| 6 | 30 | 01 October 2025 | | 0.0 | 167.07 | 2.37 | 0.0 | 0.0 | 169.44 | 0.0 | 0.0 | 0.0 | 169.44 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 44.59 | 0.0 | 0.0 | 1044.59 | 0.0 | 0.0 | 0.0 | 1044.59 |
|
|
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 |
|
|
| 02 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
And Customer makes "AUTOPAY" repayment on "20 April 2025" with 300 EUR transaction amount
|
|
When Admin sets the business date to "21 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
And Admin does charge-off the loan on "21 April 2025"
|
|
When Admin sets the business date to "22 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
And Admin does a charge-off undo the loan
|
|
When Admin sets the business date to "01 May 2025"
|
|
And Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 30 | 01 May 2025 | 20 April 2025 | 831.11 | 168.89 | 6.14 | 0.0 | 0.0 | 175.03 | 175.03 | 175.03 | 0.0 | 0.0 |
|
|
| 2 | 31 | 01 June 2025 | | 668.08 | 163.03 | 12.0 | 0.0 | 0.0 | 175.03 | 124.97 | 124.97 | 0.0 | 50.06 |
|
|
| 3 | 30 | 01 July 2025 | | 502.51 | 165.57 | 9.46 | 0.0 | 0.0 | 175.03 | 0.0 | 0.0 | 0.0 | 175.03 |
|
|
| 4 | 31 | 01 August 2025 | | 334.6 | 167.91 | 7.12 | 0.0 | 0.0 | 175.03 | 0.0 | 0.0 | 0.0 | 175.03 |
|
|
| 5 | 31 | 01 September 2025 | | 164.31 | 170.29 | 4.74 | 0.0 | 0.0 | 175.03 | 0.0 | 0.0 | 0.0 | 175.03 |
|
|
| 6 | 30 | 01 October 2025 | | 0.0 | 164.31 | 2.33 | 0.0 | 0.0 | 166.64 | 0.0 | 0.0 | 0.0 | 166.64 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 41.79 | 0.0 | 0.0 | 1041.79 | 300.0 | 300.0 | 0.0 | 741.79 |
|
|
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 |
|
|
| 02 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 April 2025 | Repayment | 300.0 | 293.86 | 6.14 | 0.0 | 0.0 | 706.14 | false | false |
|
|
| 21 April 2025 | Charge-off | 741.79 | 706.14 | 35.65 | 0.0 | 0.0 | 0.0 | true | false |
|
|
| 26 April 2025 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 April 2025 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 April 2025 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 April 2025 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 April 2025 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "01 May 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3628
|
|
Scenario: Verify MIR with backdated repayment in the middle of interest pause period - UC5
|
|
When Admin sets the business date to "01 April 2025"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL" loan product "MERCHANT_ISSUED_REFUND" transaction type to "LAST_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 April 2025 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 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 runs inline COB job for Loan
|
|
And Create an interest pause period with start date "15 April 2025" and end date "25 April 2025"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "15 April 2025" to "25 April 2025"
|
|
Then LoanBalanceChangedBusinessEvent is created on "01 April 2025"
|
|
When Admin sets the business date to "20 April 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 | | 749.98 | 250.02 | 5.15 | 0.0 | 0.0 | 255.17 | 0.0 | 0.0 | 0.0 | 255.17 |
|
|
| 2 | 31 | 01 June 2025 | | 501.12 | 248.86 | 6.31 | 0.0 | 0.0 | 255.17 | 0.0 | 0.0 | 0.0 | 255.17 |
|
|
| 3 | 30 | 01 July 2025 | | 250.03 | 251.09 | 4.08 | 0.0 | 0.0 | 255.17 | 0.0 | 0.0 | 0.0 | 255.17 |
|
|
| 4 | 31 | 01 August 2025 | | 0.0 | 250.03 | 2.1 | 0.0 | 0.0 | 252.13 | 0.0 | 0.0 | 0.0 | 252.13 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 17.64 | 0.0 | 0.0 | 1017.64 | 0.0 | 0.0 | 0.0 | 1017.64 |
|
|
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 |
|
|
| 02 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 April 2025 | Accrual | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
|
|
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "20 April 2025" with 600 EUR transaction amount and system-generated Idempotency key
|
|
When Admin sets the business date to "30 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
And Customer makes "AUTOPAY" repayment on "21 April 2025" with 350 EUR transaction amount
|
|
When Admin sets the business date to "1 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 | 21 April 2025 | 748.36 | 251.64 | 3.53 | 0.0 | 0.0 | 255.17 | 255.17 | 255.17 | 0.0 | 0.0 |
|
|
| 2 | 31 | 01 June 2025 | | 510.34 | 238.02 | 0.51 | 0.0 | 0.0 | 238.53 | 186.61 | 186.61 | 0.0 | 51.92 |
|
|
| 3 | 30 | 01 July 2025 | 20 April 2025 | 255.17 | 255.17 | 0.0 | 0.0 | 0.0 | 255.17 | 255.17 | 255.17 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 August 2025 | 20 April 2025 | 0.0 | 255.17 | 0.0 | 0.0 | 0.0 | 255.17 | 255.17 | 255.17 | 0.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 4.04 | 0.0 | 0.0 | 1004.04 | 952.12 | 952.12 | 0.0 | 51.92 |
|
|
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 |
|
|
| 02 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 April 2025 | Accrual | 0.27 | 0.0 | 0.27 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 April 2025 | Accrual | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 April 2025 | Merchant Issued Refund | 600.0 | 600.0 | 0.0 | 0.0 | 0.0 | 400.0 | false | false |
|
|
| 20 April 2025 | Interest Refund | 2.12 | 2.12 | 0.0 | 0.0 | 0.0 | 397.88 | false | false |
|
|
| 21 April 2025 | Repayment | 350.0 | 346.47 | 3.53 | 0.0 | 0.0 | 51.41 | false | false |
|
|
| 26 April 2025 | Accrual | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 April 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 April 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 April 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 April 2025 | Accrual Adjustment | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL" loan product "MERCHANT_ISSUED_REFUND" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
|
|
When Loan Pay-off is made on "01 May 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3629
|
|
Scenario: Verify repayment with Goodwill Credit the middle of interest pause period for multidisbursal loan with downpayment - UC6
|
|
When Admin sets the business date to "01 April 2025"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_RECALCULATION_DAILY_EMI_360_30_MULTIDISBURSE_AUTO_DOWNPAYMENT | 01 April 2025 | 700 | 25 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 150 | DAYS | 15 | DAYS | 10 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 April 2025" with "700" amount and expected disbursement date on "01 April 2025"
|
|
And Admin successfully disburse the loan on "01 April 2025" with "700" EUR transaction amount
|
|
And Admin runs inline COB job for Loan
|
|
And Create an interest pause period with start date "10 April 2025" and end date "05 May 2025"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "10 April 2025" to "05 May 2025"
|
|
Then LoanBalanceChangedBusinessEvent is created on "01 April 2025"
|
|
When Admin sets the business date to "12 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 11 periods, with the 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 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 April 2025 | 01 April 2025 | 525.0 | 175.0 | 0.0 | 0.0 | 0.0 | 175.0 | 175.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 April 2025 | | 472.36 | 52.64 | 2.92 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
|
|
| 3 | 15 | 01 May 2025 | | 416.8 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
|
|
| 4 | 15 | 16 May 2025 | | 364.42 | 52.38 | 3.18 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
|
|
| 5 | 15 | 31 May 2025 | | 312.66 | 51.76 | 3.8 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
|
|
| 6 | 15 | 15 June 2025 | | 260.36 | 52.3 | 3.26 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
|
|
| 7 | 15 | 30 June 2025 | | 207.51 | 52.85 | 2.71 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
|
|
| 8 | 15 | 15 July 2025 | | 154.11 | 53.4 | 2.16 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
|
|
| 9 | 15 | 30 July 2025 | | 100.16 | 53.95 | 1.61 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
|
|
| 10 | 15 | 14 August 2025 | | 45.64 | 54.52 | 1.04 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
|
|
| 11 | 15 | 29 August 2025 | | 0.0 | 45.64 | 0.48 | 0.0 | 0.0 | 46.12 | 0.0 | 0.0 | 0.0 | 46.12 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 700.0 | 21.16 | 0.0 | 0.0 | 721.16 | 175.0 | 0.0 | 0.0 | 546.16 |
|
|
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 | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
|
|
| 01 April 2025 | Down Payment | 175.0 | 175.0 | 0.0 | 0.0 | 0.0 | 525.0 | false | false |
|
|
| 02 April 2025 | Accrual | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2025 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2025 | Accrual | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2025 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2025 | Accrual | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
And Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "12 April 2025" with 25 EUR transaction amount and self-generated Idempotency key
|
|
When Admin sets the business date to "30 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
And Customer makes "AUTOPAY" repayment on "30 April 2025" with 170 EUR transaction amount
|
|
When Admin sets the business date to "10 May 2025"
|
|
And Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 11 periods, with the 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 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 April 2025 | 01 April 2025 | 525.0 | 175.0 | 0.0 | 0.0 | 0.0 | 175.0 | 175.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 April 2025 | 30 April 2025 | 472.36 | 52.64 | 2.92 | 0.0 | 0.0 | 55.56 | 55.56 | 0.0 | 55.56 | 0.0 |
|
|
| 3 | 15 | 01 May 2025 | 30 April 2025 | 416.8 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 | 55.56 | 55.56 | 0.0 | 0.0 |
|
|
| 4 | 15 | 16 May 2025 | 30 April 2025 | 361.24 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 | 55.56 | 55.56 | 0.0 | 0.0 |
|
|
| 5 | 15 | 31 May 2025 | | 311.69 | 49.55 | 6.01 | 0.0 | 0.0 | 55.56 | 3.32 | 3.32 | 0.0 | 52.24 |
|
|
| 6 | 15 | 15 June 2025 | | 259.12 | 52.57 | 2.99 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
|
|
| 7 | 15 | 30 June 2025 | | 206.0 | 53.12 | 2.44 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
|
|
| 8 | 15 | 15 July 2025 | | 152.33 | 53.67 | 1.89 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
|
|
| 9 | 15 | 30 July 2025 | | 98.1 | 54.23 | 1.33 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
|
|
| 10 | 15 | 14 August 2025 | | 43.3 | 54.8 | 0.76 | 0.0 | 0.0 | 55.56 | 0.0 | 0.0 | 0.0 | 55.56 |
|
|
| 11 | 15 | 29 August 2025 | | 0.0 | 43.3 | 0.19 | 0.0 | 0.0 | 43.49 | 25.0 | 25.0 | 0.0 | 18.49 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 700.0 | 18.53 | 0.0 | 0.0 | 718.53 | 370.0 | 139.44 | 55.56 | 348.53 |
|
|
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 | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
|
|
| 01 April 2025 | Down Payment | 175.0 | 175.0 | 0.0 | 0.0 | 0.0 | 525.0 | false | false |
|
|
| 02 April 2025 | Accrual | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2025 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2025 | Accrual | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2025 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2025 | Accrual | 0.36 | 0.0 | 0.36 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 April 2025 | Goodwill Credit | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
| 30 April 2025 | Repayment | 170.0 | 167.08 | 2.92 | 0.0 | 0.0 | 332.92 | false | false |
|
|
| 06 May 2025 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 May 2025 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 May 2025 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 May 2025 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "10 May 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3630
|
|
Scenario: Verify repayment with 2nd disbursement the middle of interest pause period for multidisbursal loan - UC7
|
|
When Admin sets the business date to "01 April 2025"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE | 01 April 2025 | 1000 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 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 "700" EUR transaction amount
|
|
And Admin runs inline COB job for Loan
|
|
And Create an interest pause period with start date "15 April 2025" and end date "25 April 2025"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "15 April 2025" to "25 April 2025"
|
|
Then LoanBalanceChangedBusinessEvent is created on "01 April 2025"
|
|
When Admin sets the business date to "20 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 April 2025 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 30 | 01 May 2025 | | 584.04 | 115.96 | 12.19 | 0.0 | 0.0 | 128.15 | 0.0 | 0.0 | 0.0 | 128.15 |
|
|
| 2 | 31 | 01 June 2025 | | 471.95 | 112.09 | 16.06 | 0.0 | 0.0 | 128.15 | 0.0 | 0.0 | 0.0 | 128.15 |
|
|
| 3 | 30 | 01 July 2025 | | 356.78 | 115.17 | 12.98 | 0.0 | 0.0 | 128.15 | 0.0 | 0.0 | 0.0 | 128.15 |
|
|
| 4 | 31 | 01 August 2025 | | 238.44 | 118.34 | 9.81 | 0.0 | 0.0 | 128.15 | 0.0 | 0.0 | 0.0 | 128.15 |
|
|
| 5 | 31 | 01 September 2025 | | 116.85 | 121.59 | 6.56 | 0.0 | 0.0 | 128.15 | 0.0 | 0.0 | 0.0 | 128.15 |
|
|
| 6 | 30 | 01 October 2025 | | 0.0 | 116.85 | 3.21 | 0.0 | 0.0 | 120.06 | 0.0 | 0.0 | 0.0 | 120.06 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 700.0 | 60.81 | 0.0 | 0.0 | 760.81 | 0.0 | 0.0 | 0.0 | 760.81 |
|
|
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 | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
|
|
| 02 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2025 | Accrual | 0.65 | 0.0 | 0.65 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 0.65 | 0.0 | 0.65 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
And Customer makes "AUTOPAY" repayment on "20 April 2025" with 170 EUR transaction amount
|
|
When Admin sets the business date to "22 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
When Admin successfully disburse the loan on "22 April 2025" with "300" EUR transaction amount
|
|
When Admin sets the business date to "01 May 2025"
|
|
And Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 April 2025 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| | | 22 April 2025 | | 300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 30 | 01 May 2025 | | 832.32 | 167.68 | 12.95 | 0.0 | 0.0 | 180.63 | 128.15 | 128.15 | 0.0 | 52.48 |
|
|
| 2 | 31 | 01 June 2025 | | 673.43 | 158.89 | 21.74 | 0.0 | 0.0 | 180.63 | 41.85 | 41.85 | 0.0 | 138.78 |
|
|
| 3 | 30 | 01 July 2025 | | 511.32 | 162.11 | 18.52 | 0.0 | 0.0 | 180.63 | 0.0 | 0.0 | 0.0 | 180.63 |
|
|
| 4 | 31 | 01 August 2025 | | 344.75 | 166.57 | 14.06 | 0.0 | 0.0 | 180.63 | 0.0 | 0.0 | 0.0 | 180.63 |
|
|
| 5 | 31 | 01 September 2025 | | 173.6 | 171.15 | 9.48 | 0.0 | 0.0 | 180.63 | 0.0 | 0.0 | 0.0 | 180.63 |
|
|
| 6 | 30 | 01 October 2025 | | 0.0 | 173.6 | 4.77 | 0.0 | 0.0 | 178.37 | 0.0 | 0.0 | 0.0 | 178.37 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 81.52 | 0.0 | 0.0 | 1081.52 | 170.0 | 170.0 | 0.0 | 911.52 |
|
|
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 | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
|
|
| 02 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2025 | Accrual | 0.65 | 0.0 | 0.65 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 0.65 | 0.0 | 0.65 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 April 2025 | Accrual | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 April 2025 | Repayment | 170.0 | 161.66 | 8.34 | 0.0 | 0.0 | 538.34 | false | false |
|
|
| 22 April 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 838.34 | false | false |
|
|
| 26 April 2025 | Accrual | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 April 2025 | Accrual | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 April 2025 | Accrual | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 April 2025 | Accrual | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 April 2025 | Accrual | 0.76 | 0.0 | 0.76 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "01 May 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3631
|
|
Scenario: Verify charge with repayment, payout refund and CBR in the middle of interest pause period for loan with LAST_INSTALLMENT strategy - UC8
|
|
When Admin sets the business date to "01 April 2025"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_REST_FREQUENCY_DATE_LAST_INSTALLMENT | 01 April 2025 | 1000 | 27 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 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 runs inline COB job for Loan
|
|
And Create an interest pause period with start date "15 April 2025" and end date "25 April 2025"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "15 April 2025" to "25 April 2025"
|
|
Then LoanBalanceChangedBusinessEvent is created on "01 April 2025"
|
|
When Admin sets the business date to "20 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 30 | 01 May 2025 | | 834.21 | 165.79 | 14.25 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
|
|
| 2 | 31 | 01 June 2025 | | 672.94 | 161.27 | 18.77 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
|
|
| 3 | 30 | 01 July 2025 | | 508.04 | 164.9 | 15.14 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
|
|
| 4 | 31 | 01 August 2025 | | 339.43 | 168.61 | 11.43 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
|
|
| 5 | 31 | 01 September 2025 | | 167.03 | 172.4 | 7.64 | 0.0 | 0.0 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 |
|
|
| 6 | 30 | 01 October 2025 | | 0.0 | 167.03 | 3.76 | 0.0 | 0.0 | 170.79 | 0.0 | 0.0 | 0.0 | 170.79 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 70.99 | 0.0 | 0.0 | 1070.99 | 0.0 | 0.0 | 0.0 | 1070.99 |
|
|
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 |
|
|
| 02 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
And Admin adds "LOAN_NSF_FEE" due date charge with "20 April 2025" due date and 25 EUR transaction amount
|
|
When Admin sets the business date to "21 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
And Customer makes "AUTOPAY" repayment on "21 April 2025" with 800 EUR transaction amount
|
|
When Admin sets the business date to "22 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
And Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "22 April 2025" with 400 EUR transaction amount and self-generated Idempotency key
|
|
When Admin sets the business date to "23 April 2025"
|
|
And Admin runs inline COB job for Loan
|
|
And Admin makes Credit Balance Refund transaction on "23 April 2025" with 160.75 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2025"
|
|
And Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 30 | 01 May 2025 | 22 April 2025 | 830.61 | 169.39 | 10.65 | 0.0 | 25.0 | 205.04 | 205.04 | 205.04 | 0.0 | 0.0 |
|
|
| 2 | 31 | 01 June 2025 | 22 April 2025 | 720.14 | 110.47 | 0.0 | 0.0 | 0.0 | 110.47 | 110.47 | 110.47 | 0.0 | 0.0 |
|
|
| 3 | 30 | 01 July 2025 | 21 April 2025 | 540.1 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 | 180.04 | 180.04 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 August 2025 | 21 April 2025 | 360.06 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 | 180.04 | 180.04 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 September 2025 | 21 April 2025 | 180.02 | 180.04 | 0.0 | 0.0 | 0.0 | 180.04 | 180.04 | 180.04 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 October 2025 | 21 April 2025 | 0.0 | 180.02 | 0.0 | 0.0 | 0.0 | 180.02 | 180.02 | 180.02 | 0.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 10.65 | 0.0 | 25.0 | 1035.65 | 1035.65 | 1035.65 | 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 April 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 02 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 April 2025 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 April 2025 | Accrual | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | false | false |
|
|
| 21 April 2025 | Repayment | 800.0 | 800.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
|
|
| 22 April 2025 | Payout Refund | 400.0 | 200.0 | 10.65 | 0.0 | 25.0 | 0.0 | false | false |
|
|
| 22 April 2025 | Accrual | 0.9 | 0.0 | 0.9 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 April 2025 | Credit Balance Refund | 160.75 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan status will be "OVERPAID"
|
|
Then Loan has 3.6 overpaid amount
|
|
When Admin makes Credit Balance Refund transaction on "01 May 2025" with 3.6 EUR transaction amount
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3393
|
|
Scenario: Interest pause with same period - UC1
|
|
When Admin sets the business date to "2 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 |
|
|
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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
# --- set and check interest pause period --- #
|
|
And Create an interest pause period with start date "05 February 2024" and end date "10 February 2024"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "05 February 2024" to "10 February 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created on "02 January 2024"
|
|
Then Loan term variations has 1 variation, with the following data:
|
|
| Term Type Id | Term Type Code | Term Type Value | Applicable From | Decimal Value | Date Value | Is Specific To Installment | Is Processed |
|
|
| 11 | loanTermType.interestPause | interestPause | 05 February 2024 | 0.0 | 10 February 2024 | false | |
|
|
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 | | 66.95 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.33 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.61 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.8 | 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 | 16.8 | 0.1 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 1.95 | 0 | 0 | 101.95 | 0.0 | 0 | 0 | 101.95 |
|
|
When Admin sets the business date to "15 February 2024"
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "15 February 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3394
|
|
Scenario: Interest pause between two periods - UC2
|
|
When Admin sets the business date to "2 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 |
|
|
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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
# --- set and check interest pause period --- #
|
|
And Create an interest pause period with start date "10 February 2024" and end date "10 March 2024"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "10 February 2024" to "10 March 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created on "02 January 2024"
|
|
Then Loan term variations has 1 variation, with the following data:
|
|
| Term Type Id | Term Type Code | Term Type Value | Applicable From | Decimal Value | Date Value | Is Specific To Installment | Is Processed |
|
|
| 11 | loanTermType.interestPause | interestPause | 10 February 2024 | 0.0 | 10 March 2024 | false | |
|
|
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 | | 66.69 | 16.88 | 0.13 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 49.96 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.24 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.42 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.42 | 0.1 | 0.0 | 0.0 | 16.52 | 0.0 | 0.0 | 0.0 | 16.52 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 1.57 | 0 | 0 | 101.57 | 0.0 | 0 | 0 | 101.57 |
|
|
When Admin sets the business date to "5 April 2024"
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 31 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "5 April 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3395
|
|
Scenario: Backdated interest pause after the repayment - UC3
|
|
When Admin sets the business date to "2 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 |
|
|
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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
When Admin sets the business date to "1 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
|
|
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 | 2.05 | 0 | 0 | 102.05 | 34.02 | 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 |
|
|
# --- set and check interest pause period --- #
|
|
And Create an interest pause period with start date "05 February 2024" and end date "10 February 2024"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "05 February 2024" to "10 February 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created on "01 March 2024"
|
|
When Admin sets the business date to "5 March 2024"
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan term variations has 1 variation, with the following data:
|
|
| Term Type Id | Term Type Code | Term Type Value | Applicable From | Decimal Value | Date Value | Is Specific To Installment | Is Processed |
|
|
| 11 | loanTermType.interestPause | interestPause | 05 February 2024 | 0.0 | 10 February 2024 | false | |
|
|
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 | 66.95 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.33 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.61 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.8 | 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 | 16.8 | 0.1 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 1.95 | 0 | 0 | 101.95 | 34.02 | 0 | 0 | 67.93 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 66.95 | false | true |
|
|
| 01 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "5 March 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3396
|
|
Scenario: Multiple interest pauses - UC4
|
|
When Admin sets the business date to "2 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 |
|
|
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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
When Admin sets the business date to "1 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
|
|
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 | 2.05 | 0 | 0 | 102.05 | 34.02 | 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 |
|
|
# --- set and check interest pause period --- #
|
|
And Create an interest pause period with start date "05 February 2024" and end date "10 February 2024"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "05 February 2024" to "10 February 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created on "01 March 2024"
|
|
Then Loan term variations has 1 variation, with the following data:
|
|
| Term Type Id | Term Type Code | Term Type Value | Applicable From | Decimal Value | Date Value | Is Specific To Installment | Is Processed |
|
|
| 11 | loanTermType.interestPause | interestPause | 05 February 2024 | 0.0 | 10 February 2024 | false | |
|
|
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 | 66.95 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.33 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.61 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.8 | 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 | 16.8 | 0.1 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 1.95 | 0 | 0 | 101.95 | 34.02 | 0 | 0 | 67.93 |
|
|
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 | 16.62 | 0.39 | 0.0 | 0.0 | 66.95 | false | true |
|
|
# --- set and check 2nd interest pause period --- #
|
|
And Create an interest pause period with start date "10 March 2024" and end date "20 March 2024"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "10 March 2024" to "20 March 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created on "01 March 2024"
|
|
Then Loan term variations has 2 variation, with the following data:
|
|
| Term Type Id | Term Type Code | Term Type Value | Applicable From | Decimal Value | Date Value | Is Specific To Installment | Is Processed |
|
|
| 11 | loanTermType.interestPause | interestPause | 05 February 2024 | 0.0 | 10 February 2024 | false | |
|
|
| 11 | loanTermType.interestPause | interestPause | 10 March 2024 | 0.0 | 20 March 2024 | false | |
|
|
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 | 66.95 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.19 | 16.76 | 0.25 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.47 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.66 | 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 | 16.66 | 0.1 | 0.0 | 0.0 | 16.76 | 0.0 | 0.0 | 0.0 | 16.76 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 1.81 | 0 | 0 | 101.81 | 34.02 | 0 | 0 | 67.79 |
|
|
When Admin sets the business date to "5 April 2024"
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 66.95 | false | true |
|
|
| 01 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 31 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "5 April 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3397
|
|
Scenario: Backdated interest pause outcomes with Accrual Adjustment - UC5
|
|
When Admin sets the business date to "2 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 |
|
|
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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
When Admin sets the business date to "15 February 2024"
|
|
When Admin runs inline COB job for Loan
|
|
# --- set and check interest pause period --- #
|
|
And Create an interest pause period with start date "05 February 2024" and end date "10 February 2024"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "05 February 2024" to "10 February 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created on "15 February 2024"
|
|
Then Loan term variations has 1 variation, with the following data:
|
|
| Term Type Id | Term Type Code | Term Type Value | Applicable From | Decimal Value | Date Value | Is Specific To Installment | Is Processed |
|
|
| 11 | loanTermType.interestPause | interestPause | 05 February 2024 | 0.0 | 10 February 2024 | false | |
|
|
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 | | 66.97 | 16.6 | 0.41 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.35 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.63 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.82 | 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 | 16.82 | 0.1 | 0.0 | 0.0 | 16.92 | 0.0 | 0.0 | 0.0 | 16.92 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 1.97 | 0 | 0 | 101.97 | 0.0 | 0 | 0 | 101.97 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
When Admin sets the business date to "16 February 2024"
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 February 2024 | Accrual Adjustment | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "16 February 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3402
|
|
Scenario: Backdated interest pause after the early repayment - UC6
|
|
When Admin sets the business date to "2 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 |
|
|
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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
When Admin sets the business date to "15 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 15 EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.53 | 16.47 | 0.54 | 0.0 | 0.0 | 17.01 | 15.0 | 15.0 | 0.0 | 2.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.01 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.39 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.67 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.86 | 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 | 16.86 | 0.1 | 0.0 | 0.0 | 16.96 | 0.0 | 0.0 | 0.0 | 16.96 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.01 | 0.0 | 0.0 | 102.01 | 15.0 | 15.0 | 0.0 | 87.01 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Repayment | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 85.0 | false | false |
|
|
# --- set and check interest pause period --- #
|
|
And Create an interest pause period with start date "14 January 2024" and end date "20 February 2024"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "14 January 2024" to "20 February 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created on "15 January 2024"
|
|
When Admin sets the business date to "5 March 2024"
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.22 | 16.78 | 0.23 | 0.0 | 0.0 | 17.01 | 15.0 | 15.0 | 0.0 | 2.01 |
|
|
| 2 | 29 | 01 March 2024 | | 66.38 | 16.84 | 0.17 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 49.77 | 16.61 | 0.4 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.05 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.23 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.23 | 0.09 | 0.0 | 0.0 | 16.32 | 0.0 | 0.0 | 0.0 | 16.32 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.37 | 0.0 | 0.0 | 101.37 | 15.0 | 15.0 | 0.0 | 86.37 |
|
|
When Admin sets the business date to "5 March 2024"
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Repayment | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 85.0 | false | false |
|
|
| 15 January 2024 | Accrual Adjustment | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "5 March 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3403
|
|
Scenario: Early repayment before interest pause - UC7
|
|
When Admin sets the business date to "1 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 |
|
|
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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "14 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "14 January 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 | 14 January 2024 | 83.23 | 16.77 | 0.24 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.0 | 16.23 | 0.78 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.0 | 0 | 0 | 102.0 | 17.01 | 17.01 | 0 | 84.99 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 14 January 2024 | Repayment | 17.01 | 16.77 | 0.24 | 0.0 | 0.0 | 83.23 | false | false |
|
|
And Create an interest pause period with start date "15 January 2024" and end date "25 January 2024"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "15 January 2024" to "25 January 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created on "14 January 2024"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 14 January 2024 | 83.23 | 16.77 | 0.24 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 66.82 | 16.41 | 0.6 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.2 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.48 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.67 | 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 | 16.67 | 0.1 | 0.0 | 0.0 | 16.77 | 0.0 | 0.0 | 0.0 | 16.77 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 1.82 | 0 | 0 | 101.82 | 17.01 | 17.01 | 0 | 84.81 |
|
|
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 |
|
|
| 14 January 2024 | Repayment | 17.01 | 16.77 | 0.24 | 0.0 | 0.0 | 83.23 | false | false |
|
|
|
|
When Loan Pay-off is made on "14 January 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3404
|
|
Scenario: Interest pause that overlaps a few installments - UC8
|
|
When Admin sets the business date to "2 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 |
|
|
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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
And Create an interest pause period with start date "01 February 2024" and end date "01 March 2024"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "01 February 2024" to "01 March 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created on "02 January 2024"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.55 | 16.45 | 0.56 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 66.54 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 49.92 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.2 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.38 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.38 | 0.1 | 0.0 | 0.0 | 16.48 | 0.0 | 0.0 | 0.0 | 16.48 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 1.53 | 0 | 0 | 101.53 | 0.0 | 0.0 | 0 | 101.53 |
|
|
When Admin sets the business date to "5 March 2024"
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 March 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "5 March 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3668
|
|
Scenario: Verify interest pause period is forbidden for loan with zero interest rate- UC1
|
|
When Admin sets the business date to "01 April 2025"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_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 |
|
|
And Admin runs inline COB job for Loan
|
|
And Admin is not able to add an interest pause period with start date "15 April 2025" and end date "25 April 2025"
|
|
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 Loan Pay-off is made on "01 April 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3669
|
|
Scenario: Verify interest pause period is forbidden for loan with zero interest rate with repayment trns - UC2
|
|
When Admin sets the business date to "01 April 2025"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_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
|
|
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
|
|
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 | | 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 | 500.0 | 0.0 | 0.0 | 500.0 |
|
|
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 |
|
|
| 01 June 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
When Admin sets the business date to "05 June 2025"
|
|
And Admin runs inline COB job for Loan
|
|
And Admin is not able to add an interest pause period with start date "15 April 2025" and end date "25 April 2025"
|
|
And Admin is not able to add an interest pause period with start date "10 May 2025" and end date "20 May 2025"
|
|
And Admin is not able to add an interest pause period with start date "25 April 2025" and end date "05 May 2025"
|
|
And Admin is not able to add an interest pause period with start date "25 May 2025" and end date "03 June 2025"
|
|
And Admin is not able to add an interest pause period with start date "25 June 2025" and end date "05 July 2025"
|
|
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 | | 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 | 500.0 | 0.0 | 0.0 | 500.0 |
|
|
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 |
|
|
| 01 June 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
Then LoanScheduleVariationsAddedBusinessEvent is not raised on "05 June 2025"
|
|
|
|
When Loan Pay-off is made on "05 June 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3670
|
|
Scenario: Verify interest pause period is forbidden for paid-off loan with zero interest rate - UC3
|
|
When Admin sets the business date to "01 April 2025"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_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
|
|
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 "01 July 2025"
|
|
And Admin runs inline COB job for Loan
|
|
And Customer makes "AUTOPAY" repayment on "01 July 2025" with 250.0 EUR transaction amount
|
|
When Admin sets the business date to "01 August 2025"
|
|
And Admin runs inline COB job for Loan
|
|
And Customer makes "AUTOPAY" repayment on "01 August 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 | 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 | 01 July 2025 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 August 2025 | 01 August 2025 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 1000.0 | 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 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 |
|
|
| 01 June 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
| 01 July 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
|
|
| 01 August 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
When Admin sets the business date to "05 August 2025"
|
|
And Admin runs inline COB job for Loan
|
|
And Admin is not able to add an interest pause period with start date "15 April 2025" and end date "25 April 2025" due to inactive loan status
|
|
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 | 01 July 2025 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 August 2025 | 01 August 2025 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 1000.0 | 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 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 |
|
|
| 01 June 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
|
| 01 July 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
|
|
| 01 August 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then LoanScheduleVariationsAddedBusinessEvent is not raised on "05 August 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3671
|
|
Scenario: Verify interest pause period is forbidden for multidisbursal loan with zero interest rate - UC4
|
|
When Admin sets the business date to "01 April 2025"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE | 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 "800" 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 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 30 | 01 May 2025 | | 600.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 2 | 31 | 01 June 2025 | | 400.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 3 | 30 | 01 July 2025 | | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 4 | 31 | 01 August 2025 | | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 800.0 | 0.0 | 0.0 | 0.0 | 800.0 | 0.0 | 0.0 | 0.0 | 800.0 |
|
|
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 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | 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 200.0 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 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 30 | 01 May 2025 | 01 May 2025 | 600.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 01 June 2025 | | 400.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 3 | 30 | 01 July 2025 | | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 4 | 31 | 01 August 2025 | | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 800.0 | 0.0 | 0.0 | 0.0 | 800.0 | 200.0 | 0.0 | 0.0 | 600.0 |
|
|
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 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
| 01 May 2025 | Repayment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
|
|
And Admin is not able to add an interest pause period with start date "15 April 2025" and end date "25 April 2025"
|
|
And Admin is not able to add an interest pause period with start date "10 May 2025" and end date "20 May 2025"
|
|
And Admin is not able to add an interest pause period with start date "25 April 2025" and end date "05 May 2025"
|
|
When Admin sets the business date to "05 May 2025"
|
|
And Admin runs inline COB job for Loan
|
|
When Admin successfully disburse the loan on "05 May 2025" with "200" 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 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 30 | 01 May 2025 | 01 May 2025 | 600.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
|
|
| | | 05 May 2025 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 2 | 31 | 01 June 2025 | | 533.33 | 266.67 | 0.0 | 0.0 | 0.0 | 266.67 | 0.0 | 0.0 | 0.0 | 266.67 |
|
|
| 3 | 30 | 01 July 2025 | | 266.66 | 266.67 | 0.0 | 0.0 | 0.0 | 266.67 | 0.0 | 0.0 | 0.0 | 266.67 |
|
|
| 4 | 31 | 01 August 2025 | | 0.0 | 266.66 | 0.0 | 0.0 | 0.0 | 266.66 | 0.0 | 0.0 | 0.0 | 266.66 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 200.0 | 0.0 | 0.0 | 800.0 |
|
|
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 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
| 01 May 2025 | Repayment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
|
|
| 05 May 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
And Admin is not able to add an interest pause period with start date "15 April 2025" and end date "25 April 2025"
|
|
And Admin is not able to add an interest pause period with start date "10 May 2025" and end date "20 May 2025"
|
|
And Admin is not able to add an interest pause period with start date "25 April 2025" and end date "05 May 2025"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is not raised on "05 May 2025"
|
|
|
|
When Loan Pay-off is made on "05 May 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3672
|
|
Scenario: Verify interest pause period is forbidden for charged-off loan with zero interest rate - UC5
|
|
When Admin sets the business date to "01 April 2025"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_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
|
|
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "01 May 2025" due date and 20 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 | 20.0 | 0.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
|
|
| 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 | 20.0 | 0.0 | 1020.0 | 0.0 | 0.0 | 0.0 | 1020.0 |
|
|
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 |
|
|
And Admin is not able to add an interest pause period with start date "15 April 2025" and end date "25 April 2025"
|
|
And Admin is not able to add an interest pause period with start date "10 May 2025" and end date "20 May 2025"
|
|
And Admin is not able to add an interest pause period with start date "25 April 2025" and end date "05 May 2025"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is not raised on "01 May 2025"
|
|
When Admin sets the business date to "02 May 2025"
|
|
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "02 May 2025" with 125 EUR transaction amount and system-generated Idempotency key
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 April 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 30 | 01 May 2025 | | 750.0 | 250.0 | 0.0 | 20.0 | 0.0 | 270.0 | 125.0 | 0.0 | 125.0 | 145.0 |
|
|
| 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 | 20.0 | 0.0 | 1020.0 | 125.0 | 0.0 | 125.0 | 895.0 |
|
|
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 |
|
|
| 02 May 2025 | Merchant Issued Refund | 125.0 | 105.0 | 0.0 | 20.0 | 0.0 | 895.0 | false | false |
|
|
And Admin is not able to add an interest pause period with start date "15 April 2025" and end date "25 April 2025"
|
|
And Admin is not able to add an interest pause period with start date "10 May 2025" and end date "20 May 2025"
|
|
And Admin is not able to add an interest pause period with start date "25 April 2025" and end date "05 May 2025"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is not raised on "02 May 2025"
|
|
When Admin sets the business date to "05 May 2025"
|
|
And Admin does charge-off the loan on "05 May 2025"
|
|
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 | 20.0 | 0.0 | 270.0 | 125.0 | 0.0 | 125.0 | 145.0 |
|
|
| 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 | 20.0 | 0.0 | 1020.0 | 125.0 | 0.0 | 125.0 | 895.0 |
|
|
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 |
|
|
| 02 May 2025 | Merchant Issued Refund | 125.0 | 105.0 | 0.0 | 20.0 | 0.0 | 895.0 | false | false |
|
|
| 05 May 2025 | Charge-off | 895.0 | 895.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
And Admin is not able to add an interest pause period with start date "15 April 2025" and end date "25 April 2025"
|
|
And Admin is not able to add an interest pause period with start date "10 May 2025" and end date "20 May 2025"
|
|
And Admin is not able to add an interest pause period with start date "25 April 2025" and end date "05 May 2025"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is not raised on "05 May 2025"
|
|
|
|
When Loan Pay-off is made on "05 May 2025"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C3722
|
|
Scenario: Verify that the repayment schedule calculated correctly when interest pause added on the 1st day of the first installment
|
|
When Admin sets the business date to "1 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "02 January 2024"
|
|
And Create an interest pause period with start date "02 January 2024" and end date "10 January 2024"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "02 January 2024" to "10 January 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created on "02 January 2024"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.42 | 16.58 | 0.43 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 66.9 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.28 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.56 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.75 | 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 | 16.75 | 0.1 | 0.0 | 0.0 | 16.85 | 0.0 | 0.0 | 0.0 | 16.85 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 1.9 | 0 | 0 | 101.9 | 0 | 0 | 0 | 101.9 |
|
|
|
|
When Loan Pay-off is made on "02 January 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4146
|
|
Scenario: Verify interest pause deletion
|
|
When Admin sets the business date to "1 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
And Create an interest pause period with start date "05 February 2024" and end date "10 February 2024"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "05 February 2024" to "10 February 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created on "01 January 2024"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 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 | | 66.95 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.33 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.61 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.8 | 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 | 16.8 | 0.1 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 1.95 | 0 | 0 | 101.95 | 0 | 0 | 0 | 101.95 |
|
|
When Delete the interest pause period
|
|
Then LoanScheduleVariationsDeletedBusinessEvent is created for interest pause from "05 February 2024" to "10 February 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created on "01 January 2024"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
|
|
When Loan Pay-off is made on "01 January 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4147
|
|
Scenario: Verify interest pause update
|
|
When Admin sets the business date to "1 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
And Create an interest pause period with start date "05 February 2024" and end date "10 February 2024"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause from "05 February 2024" to "10 February 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created on "01 January 2024"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 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 | | 66.95 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.33 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.61 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.8 | 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 | 16.8 | 0.1 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 1.95 | 0 | 0 | 101.95 | 0 | 0 | 0 | 101.95 |
|
|
When Update the interest pause period with start date "10 February 2024" and end date "25 February 2024"
|
|
Then LoanScheduleVariationsAddedBusinessEvent is created for interest pause update from "05 February 2024" and "10 February 2024" to "10 February 2024" and "25 February 2024"
|
|
Then LoanBalanceChangedBusinessEvent is created on "01 January 2024"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 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 | | 66.78 | 16.79 | 0.22 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.16 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.44 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.63 | 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 | 16.63 | 0.1 | 0.0 | 0.0 | 16.73 | 0.0 | 0.0 | 0.0 | 16.73 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 1.78 | 0 | 0 | 101.78 | 0 | 0 | 0 | 101.78 |
|
|
|
|
When Loan Pay-off is made on "01 January 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met |