CBSNexora/cbsnexora-backend
4
0
Fork 0
Code Issues Pull Requests Actions 55 Packages Projects Releases Wiki Activity
Files
9e396b26a475142bff1a63bc200032b6298ae636
cbsnexora-backend/fineract-e2e-tests-runner/src/test/resources/features/LoanBuyDownFees.feature
T

4081 lines
451 KiB
Gherkin
Raw Blame History

This file contains ambiguous Unicode characters
This file contains Unicode characters that might be confused with other characters. If you think that this is intentional, you can safely ignore this warning. Use the Escape button to reveal them.
@BuyDownFeeFeature
Feature:Feature: Buy Down Fees
@TestRailId:C3770
Scenario: Verify loan with Buy Down fees and full payment - UC1.1
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
When Admin sets the business date to "1 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 33.72 EUR transaction amount
When Admin sets the business date to "1 April 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 33.73 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Repayment | 33.72 | 33.33 | 0.39 | 0.0 | 0.0 | 33.53 | false |
| 31 March 2024 | Accrual | 1.16 | 0.0 | 1.16 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.53 | 0.2 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "31 March 2024"
@TestRailId:C3827
Scenario: Verify loan with Buy Down fees and full payment and daily amortization - UC1.2
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin runs inline COB job for Loan
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
When Admin sets the business date to "2 January 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 |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 0.55 |
| LIABILITY | 145024 | Deferred Capitalized Income | 0.55 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.55 | 49.45 | 0.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 January 2024"
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin sets the business date to "1 March 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 33.72 EUR transaction amount
When Admin sets the business date to "1 April 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 33.73 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Repayment | 33.72 | 33.33 | 0.39 | 0.0 | 0.0 | 33.53 | false |
| 01 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 02 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 04 March 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 05 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 05 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 07 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 09 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 10 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 11 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 12 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 13 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 15 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 16 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 17 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 18 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 20 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 21 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 March 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 23 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 23 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 24 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 26 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 28 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 29 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 29 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 30 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.53 | 0.2 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "31 March 2024"
@TestRailId:C3771
Scenario: Verify loan with Buy Down fees and early payoff - UC2.1
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
When Admin sets the business date to "1 March 2024"
When Loan Pay-off is made on "1 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Repayment | 67.25 | 66.86 | 0.39 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Accrual | 0.97 | 0.0 | 0.97 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Buy Down Fee Amortization | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 50.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 50.0 | |
And Buy down fee contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 March 2024"
@TestRailId:C3828
Scenario: Verify loan with Buy Down fees and early payoff and daily amortization - UC2.2
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
When Admin sets the business date to "2 January 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 |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 0.55 |
| LIABILITY | 145024 | Deferred Capitalized Income | 0.55 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.55 | 49.45 | 0.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 January 2024"
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin sets the business date to "1 March 2024"
When Admin runs inline COB job for Loan
When Loan Pay-off is made on "1 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Repayment | 67.25 | 66.86 | 0.39 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Buy Down Fee Amortization | 17.03 | 0.0 | 17.03 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 17.03 |
| LIABILITY | 145024 | Deferred Capitalized Income | 17.03 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 March 2024"
@TestRailId:C3772
Scenario: Verify loan with Buy Down fees and charge-off transaction - amortization in case of loan charge-off event - UC3.1
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
When Admin sets the business date to "1 March 2024"
And Admin does charge-off the loan on "1 March 2024"
Then Loan status will be "ACTIVE"
And Loan marked as charged-off on "01 March 2024"
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 66.86 |
| ASSET | 112603 | Interest/Fee Receivable | | 0.59 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 66.86 | |
| INCOME | 404001 | Interest Income Charge Off | 0.59 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Amortization | 33.52 | 0.0 | 33.52 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Accrual | 0.97 | 0.0 | 0.97 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Charge-off | 67.45 | 66.86 | 0.59 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Buy Down Fee Amortization | 16.48 | 0.0 | 16.48 | 0.0 | 0.0 | 0.0 | false |
# --- check BDF journal entries for before and after charge-off trn processed --- #
And Loan Transactions tab has 2 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 33.52 |
| LIABILITY | 145024 | Deferred Capitalized Income | 33.52 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 16.48 |
| LIABILITY | 145024 | Deferred Capitalized Income | 16.48 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 33.52 | 0.0 | 0.0 | 16.48 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 March 2024"
When Loan Pay-off is made on "1 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C3829
Scenario: Verify loan with Buy Down fees and charge-off transaction - daily amortization and amortization in case of loan charge-off event - UC3.2
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
When Admin sets the business date to "2 January 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 |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 0.55 |
| LIABILITY | 145024 | Deferred Capitalized Income | 0.55 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.55 | 49.45 | 0.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 January 2024"
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin sets the business date to "1 March 2024"
When Admin runs inline COB job for Loan
And Admin does charge-off the loan on "1 March 2024"
Then Loan status will be "ACTIVE"
And Loan marked as charged-off on "01 March 2024"
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 66.86 |
| ASSET | 112603 | Interest/Fee Receivable | | 0.59 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 66.86 | |
| INCOME | 404001 | Interest Income Charge Off | 0.59 | |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Charge-off | 67.45 | 66.86 | 0.59 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Buy Down Fee Amortization | 16.48 | 0.0 | 16.48 | 0.0 | 0.0 | 0.0 | false |
# --- check BDFA journal entries for before and after charge-off trn processed --- #
And Loan Transactions tab has 2 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 0.55 |
| LIABILITY | 145024 | Deferred Capitalized Income | 0.55 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 16.48 |
| LIABILITY | 145024 | Deferred Capitalized Income | 16.48 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 33.52 | 0.0 | 0.0 | 16.48 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 March 2024"
When Loan Pay-off is made on "1 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C3848
Scenario: Verify loan with Buy Down fees and undo the charge-off transaction - amortization in case of loan charge-off event should also be reversed - UC3.3
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
# --- charge-off ---#
When Admin sets the business date to "1 February 2024"
And Admin does charge-off the loan on "1 February 2024"
Then Loan status will be "ACTIVE"
And Loan marked as charged-off on "01 February 2024"
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 17.58 | 0.0 | 17.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 32.42 | 0.0 | 32.42 | 0.0 | 0.0 | 0.0 | false |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 17.58 | 0.0 | 0.0 | 32.42 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 February 2024"
# --- check BDFA journal entries for before and after charge-off trn processed --- #
And Loan Transactions tab has 2 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 17.58 |
| LIABILITY | 145024 | Deferred Capitalized Income | 17.58 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 32.42 |
| LIABILITY | 145024 | Deferred Capitalized Income | 32.42 | |
# --- charge-off undo ---#
Then Admin does a charge-off undo the loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 17.58 | 0.0 | 17.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | true |
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| ASSET | 112603 | Interest/Fee Receivable | 1.17 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 100.0 |
| INCOME | 404001 | Interest Income Charge Off | | 1.17 |
And Loan Transactions tab has 1 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 17.58 |
| LIABILITY | 145024 | Deferred Capitalized Income | 17.58 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 17.58 | 32.42 | 0.0 | 0.0 |
When Loan Pay-off is made on "1 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C3849
Scenario: Verify loan with Buy Down fees and undo the charge-off a fraud loan - amortization in case of loan charge-off event should also be reversed - UC3.4
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
Then Admin can successfully set Fraud flag to the loan
# --- charge-off ---#
When Admin sets the business date to "1 February 2024"
And Admin does charge-off the loan on "1 February 2024"
Then Loan status will be "ACTIVE"
And Loan marked as charged-off on "01 February 2024"
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 17.58 | 0.0 | 17.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 32.42 | 0.0 | 32.42 | 0.0 | 0.0 | 0.0 | false |
# --- check BDFA journal entries for before and after charge-off trn processed --- #
And Loan Transactions tab has 2 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 17.58 |
| LIABILITY | 145024 | Deferred Capitalized Income | 17.58 | |
| EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | | 32.42 |
| LIABILITY | 145024 | Deferred Capitalized Income | 32.42 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 17.58 | 0.0 | 0.0 | 32.42 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 February 2024"
# --- charge-off undo ---#
Then Admin does a charge-off undo the loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 17.58 | 0.0 | 17.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | true |
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| ASSET | 112603 | Interest/Fee Receivable | 1.17 | |
| EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | | 100.0 |
| INCOME | 404001 | Interest Income Charge Off | | 1.17 |
And Loan Transactions tab has 1 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 17.58 |
| LIABILITY | 145024 | Deferred Capitalized Income | 17.58 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 17.58 | 32.42 | 0.0 | 0.0 |
When Loan Pay-off is made on "1 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C3850
Scenario: Verify loan with Buy Down fees and charge-off with "delinquent" reason - amortization in case of loan charge-off event - UC3.5
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_CHARGE_OFF_REASON | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
Then Admin can successfully set Fraud flag to the loan
When Admin sets the business date to "25 January 2024"
And Admin does charge-off the loan with reason "DELINQUENT" on "25 January 2024"
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "25 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 13.74 | 0.0 | 13.74 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.45 | 0.0 | 0.45 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 36.26 | 0.0 | 36.26 | 0.0 | 0.0 | 0.0 | false |
# --- check BDFA journal entries for before and after charge-off trn processed --- #
And Loan Transactions tab has 2 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "25 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 13.74 |
| LIABILITY | 145024 | Deferred Capitalized Income | 13.74 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 36.26 |
| LIABILITY | 145024 | Deferred Capitalized Income | 36.26 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 13.74 | 0.0 | 0.0 | 36.26 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "25 January 2024"
When Loan Pay-off is made on "25 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C3851
Scenario: Verify loan with Buy Down fees and charge-off a fraud loan - amortization in case of loan charge-off event - UC3.6
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_CHARGE_OFF_REASON | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
Then Admin can successfully set Fraud flag to the loan
When Admin sets the business date to "25 January 2024"
And Admin does charge-off the loan on "25 January 2024"
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "25 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 13.74 | 0.0 | 13.74 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.45 | 0.0 | 0.45 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 36.26 | 0.0 | 36.26 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has 2 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "25 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 13.74 |
| LIABILITY | 145024 | Deferred Capitalized Income | 13.74 | |
| EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | | 36.26 |
| LIABILITY | 145024 | Deferred Capitalized Income | 36.26 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 13.74 | 0.0 | 0.0 | 36.26 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "25 January 2024"
When Loan Pay-off is made on "25 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C3852
Scenario: Verify loan with Buy Down fees and undo the charge-off transaction with "delinquent" reason - amortization in case of loan charge-off event should also be reversed - UC3.7
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_CHARGE_OFF_REASON | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
Then Admin can successfully set Fraud flag to the loan
When Admin sets the business date to "25 January 2024"
And Admin does charge-off the loan with reason "DELINQUENT" on "25 January 2024"
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "25 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 13.74 | 0.0 | 13.74 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.45 | 0.0 | 0.45 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 36.26 | 0.0 | 36.26 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has 2 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "25 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 13.74 |
| LIABILITY | 145024 | Deferred Capitalized Income | 13.74 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 36.26 |
| LIABILITY | 145024 | Deferred Capitalized Income | 36.26 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 13.74 | 0.0 | 0.0 | 36.26 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "25 January 2024"
Then Admin does a charge-off undo the loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 13.74 | 0.0 | 13.74 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.45 | 0.0 | 0.45 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | true |
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "25 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| ASSET | 112603 | Interest/Fee Receivable | 1.17 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 100.0 |
| INCOME | 404001 | Interest Income Charge Off | | 1.17 |
And Loan Transactions tab has 1 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "25 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 13.74 |
| LIABILITY | 145024 | Deferred Capitalized Income | 13.74 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 13.74 | 36.26 | 0.0 | 0.0 |
When Loan Pay-off is made on "25 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C3886
Scenario: Verify loan with with a few Buy Down fees with adjustment and charge-off transaction - amortization in case of loan charge-off event - UC3.8
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
# --- add 2nd BuyDownFee - on Feb,1st 2024 --- #
When Admin sets the business date to "1 February 2024"
When Admin runs inline COB job for Loan
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 February 2024" with "50" EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Buy Down Fee Amortization | 17.03 | 0.0 | 17.03 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 17.03 | 32.97 | 0.0 | 0.0 |
| 01 February 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "31 January 2024"
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 February 2024"
# --- charge-off the loan --- #
When Admin sets the business date to "1 March 2024"
And Admin does charge-off the loan on "1 March 2024"
Then Loan status will be "ACTIVE"
And Loan marked as charged-off on "01 March 2024"
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.36 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.36 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Buy Down Fee Amortization | 17.03 | 0.0 | 17.03 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Buy Down Fee Amortization | 41.49 | 0.0 | 41.49 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Accrual | 0.6 | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Charge-off | 101.36 | 100.0 | 1.36 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Buy Down Fee Amortization | 41.48 | 0.0 | 41.48 | 0.0 | 0.0 | 0.0 | false |
# --- check BDF journal entries for before and after charge-off trn processed --- #
And Loan Transactions tab has 2 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 41.49 |
| LIABILITY | 145024 | Deferred Capitalized Income | 41.49 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 41.48 |
| LIABILITY | 145024 | Deferred Capitalized Income | 41.48 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 33.52 | 0.0 | 0.0 | 16.48 |
| 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 25.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 March 2024"
When Loan Pay-off is made on "1 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:С3825
Scenario: Verify loan with Buy Down Fee adjustment trn and repayment trns - UC4
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
# --- 1st repayment on February,1 ---#
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 33.72 | 0.0 | 0.0 | 67.45 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
# --- BuyDownFee Adjustment trns on March,1 ---#
When Admin sets the business date to "1 March 2024"
And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "01 March 2024" with "10" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 33.72 | 0.0 | 0.0 | 67.45 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | | 10.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 10.0 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 40.0 | 10.0 | 0.0 |
And LoanBuyDownFeeAdjustmentTransactionCreatedBusinessEvent is created on "01 March 2024"
# --- 2nd repayment on April,1 ---#
When Admin sets the business date to "1 April 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 33.73 EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Accrual | 1.35 | 0.0 | 1.35 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 40.0 | 0.0 | 40.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.34 | 0.39 | 0.0 | 0.0 | 33.52 | false |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 40.0 | 0.0 | 10.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "31 March 2024"
When Loan Pay-off is made on "1 April 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Accrual | 1.35 | 0.0 | 1.35 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 40.0 | 0.0 | 40.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.34 | 0.39 | 0.0 | 0.0 | 33.52 | false |
| 01 April 2024 | Repayment | 33.91 | 33.52 | 0.39 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
@TestRailId:С3826
Scenario: Verify loan with a few Buy Down Fee adjustment trns and repayment trns - UC5
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
# --- 1st repayment on February,1 ---#
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 33.72 | 0.0 | 0.0 | 67.45 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
# --- 1st BuyDownFee Adjustment trns on March,1 ---#
When Admin sets the business date to "1 March 2024"
And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "01 March 2024" with "10" EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | | 10.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 10.0 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 40.0 | 10.0 | 0.0 |
And LoanBuyDownFeeAdjustmentTransactionCreatedBusinessEvent is created on "01 March 2024"
# --- 2nd BuyDownFee Adjustment trns on March,15 ---#
When Admin sets the business date to "15 March 2024"
And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "15 March 2024" with "5" EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 15 March 2024 | Buy Down Fee Adjustment | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with date "15 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | | 5.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 5.0 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 35.0 | 15.0 | 0.0 |
And LoanBuyDownFeeAdjustmentTransactionCreatedBusinessEvent is created on "15 March 2024"
# --- 2nd repayment on April,1 ---#
When Admin sets the business date to "1 April 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 33.73 EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 15 March 2024 | Buy Down Fee Adjustment | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Accrual | 1.35 | 0.0 | 1.35 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 35.0 | 0.0 | 35.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.34 | 0.39 | 0.0 | 0.0 | 33.52 | false |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 35.0 | 0.0 | 15.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "31 March 2024"
When Loan Pay-off is made on "1 April 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 15 March 2024 | Buy Down Fee Adjustment | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Accrual | 1.35 | 0.0 | 1.35 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 35.0 | 0.0 | 35.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.34 | 0.39 | 0.0 | 0.0 | 33.52 | false |
| 01 April 2024 | Repayment | 33.91 | 33.52 | 0.39 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
@TestRailId:C3853
Scenario: Verify add buy down fee to a progressive loan after disbursement and then write off loan - amortization in case of loan close event
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "900" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin sets the business date to "2 January 2024"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "2 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 601.74 | 298.26 | 5.25 | 0.0 | 0.0 | 303.51 | 0.0 | 0.0 | 0.0 | 303.51 |
| 2 | 29 | 01 March 2024 | | 301.74 | 300.0 | 3.51 | 0.0 | 0.0 | 303.51 | 0.0 | 0.0 | 0.0 | 303.51 |
| 3 | 31 | 01 April 2024 | | 0.0 | 301.74 | 1.76 | 0.0 | 0.0 | 303.5 | 0.0 | 0.0 | 0.0 | 303.5 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 10.52 | 0.0 | 0.0 | 910.52 | 0.0 | 0.0 | 0.0 | 910.52 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
| 02 January 2024 | Buy Down Fee | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "02 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 100.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 100.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 02 January 2024 | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "02 January 2024"
# --- make write-off --- #
And Admin does write-off the loan on "02 January 2024"
Then Loan has 0 outstanding amount
Then Loan status will be "CLOSED_WRITTEN_OFF"
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 02 January 2024 | 601.74 | 298.26 | 5.25 | 0.0 | 0.0 | 303.51 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 02 January 2024 | 301.74 | 300.0 | 3.51 | 0.0 | 0.0 | 303.51 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 02 January 2024 | 0.0 | 301.74 | 1.76 | 0.0 | 0.0 | 303.5 | 0.0 | 0.0 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 10.52 | 0.0 | 0.0 | 910.52 | 0.0 | 0.0 | 0.0 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
| 02 January 2024 | Buy Down Fee | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Close (as written-off) | 910.52 | 900.0 | 10.52 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "02 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | e4 | Written off | | 100.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 100.0 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 02 January 2024 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "02 January 2024"
@TestRailId:C3881
Scenario: Verify loan with Buy Down Fee adjustment reversal scenario - UC7
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
When Admin sets the business date to "2 January 2024"
When Admin runs inline COB job for Loan
# --- 1st repayment on February,1 ---#
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 33.72 | 0.0 | 0.0 | 67.45 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 17.03 | 32.97 | 0.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "31 January 2024"
# --- 2nd repayment on March,1 ---#
When Admin sets the business date to "1 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 33.72 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 67.44 | 0.0 | 0.0 | 33.73 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Repayment | 33.72 | 33.33 | 0.39 | 0.0 | 0.0 | 33.53 | false |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "29 February 2024"
# --- BuyDownFee Adjustment trns on March,1 ---#
And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "01 March 2024" with "10" EUR transaction amount
When Admin sets the business date to "2 March 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 67.44 | 0.0 | 0.0 | 33.73 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Repayment | 33.72 | 33.33 | 0.39 | 0.0 | 0.0 | 33.53 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Buy Down Fee Amortization | 0.22 | 0.0 | 0.22 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | | 10.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 10.0 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 33.19 | 6.81 | 10.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 March 2024"
And LoanBuyDownFeeAdjustmentTransactionCreatedBusinessEvent is created on "01 March 2024"
# --- BuyDownFee Adjustment reversal on March,1 ---#
When Customer undo "1"th "Buy Down Fee Adjustment" transaction made on "01 March 2024"
When Admin sets the business date to "3 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 |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 18 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 19 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 21 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 22 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 23 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 24 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 25 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 27 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 28 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Repayment | 33.72 | 33.33 | 0.39 | 0.0 | 0.0 | 33.53 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 01 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 01 March 2024 | Buy Down Fee Amortization | 0.22 | 0.0 | 0.22 | 0.0 | 0.0 | 0.0 | false |
| 02 March 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 02 March 2024 | Buy Down Fee Amortization | 0.88 | 0.0 | 0.88 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | | 10.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 10.0 | |
| EXPENSE | 450280 | Buy Down Expense | 10.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 10.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 34.07 | 15.93 | 0.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "02 March 2024"
When Loan Pay-off is made on "03 March 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C3887
Scenario: Verify Buy Down Fee reversal - UC6
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
When Admin sets the business date to "02 January 2024"
And Admin runs inline COB job for Loan
Then Loan status will be "ACTIVE"
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 January 2024"
# --- repayment on February,1 ---#
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 33.72 | 0.0 | 0.0 | 67.45 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
# --- Run COB to amortize Buy Down Fee ---#
When Admin sets the business date to "16 February 2024"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 33.72 | 0.0 | 0.0 | 67.45 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "15 February 2024"
# --- Reverse Buy Down Fee transaction ---#
# When Admin sets the business date to "15 February 2024"
When Customer undo "1"th "Buy Down Fee" transaction made on "01 January 2024"
When Admin sets the business date to "17 February 2024"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 33.72 | 0.0 | 0.0 | 67.45 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 17 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 18 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 19 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 20 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 21 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 22 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 24 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 26 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 27 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 28 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 29 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 30 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 31 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 02 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 04 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 05 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 06 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 07 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 08 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 10 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 11 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 13 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 14 February 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 February 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 16 February 2024 | Buy Down Fee Amortization Adjustment | 25.27 | 0.0 | 25.27 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
| EXPENSE | 450280 | Buy Down Expense | | 50.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 50.0 | |
And LoanBuyDownFeeAmortizationAdjustmentTransactionCreatedBusinessEvent is created on "16 February 2024"
When Loan Pay-off is made on "17 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C3888
Scenario: Verify Buy Down Fee reversal on same business date
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
# -- undo Buy Down Fee transaction at the same biz date when it was added -- #
When Customer undo "1"th "Buy Down Fee" transaction made on "01 January 2024"
When Admin sets the business date to "02 January 2024"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
| EXPENSE | 450280 | Buy Down Expense | | 50.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 50.0 | |
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:C3889
Scenario: Verify Buy Down Fee reversal forbidden when adjustment exists
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
When Admin sets the business date to "02 January 2024"
And Admin runs inline COB job for Loan
Then Loan status will be "ACTIVE"
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 January 2024"
# --- Add Buy Down Fee Adjustment ---#
When Admin sets the business date to "10 January 2024"
And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "10 January 2024" with "10" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with date "10 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | | 10.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 10.0 | |
And LoanBuyDownFeeAdjustmentTransactionCreatedBusinessEvent is created on "10 January 2024"
# --- Verify that Buy Down Fee reversal is forbidden due to existing adjustment ---#
Then Customer is forbidden to undo "1"th "Buy Down Fee" transaction made on "01 January 2024" due to adjustment exists
# --- Reverse Buy Down Fee Adjustment first ---#
When Customer undo "1"th "Buy Down Fee Adjustment" transaction made on "10 January 2024"
When Admin sets the business date to "11 January 2024"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with date "10 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | | 10.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 10.0 | |
| EXPENSE | 450280 | Buy Down Expense | 10.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 10.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "10 January 2024"
# --- Now Buy Down Fee reversal should be allowed ---#
When Customer undo "1"th "Buy Down Fee" transaction made on "01 January 2024"
When Admin sets the business date to "12 January 2024"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Amortization | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Buy Down Fee Amortization Adjustment | 5.49 | 0.0 | 5.49 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
And LoanBuyDownFeeAmortizationAdjustmentTransactionCreatedBusinessEvent is created on "11 January 2024"
When Loan Pay-off is made on "12 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C3981
Scenario: Verify loan with Buy Down fees and full payment for non-merchant - UC1
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_NON_MERCHANT | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | 145023 | Suspense/Clearing account | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
When Admin sets the business date to "1 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 33.72 EUR transaction amount
When Admin sets the business date to "1 April 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 33.73 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Repayment | 33.72 | 33.33 | 0.39 | 0.0 | 0.0 | 33.53 | false |
| 31 March 2024 | Accrual | 1.16 | 0.0 | 1.16 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.53 | 0.2 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "31 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 50.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 50.0 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "31 March 2024"
@TestRailId:C3982
Scenario: Verify Buy Down Fee reversal on same business date for non-merchant - UC2
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_NON_MERCHANT | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
# -- undo Buy Down Fee transaction at the same biz date when it was added -- #
When Customer undo "1"th "Buy Down Fee" transaction made on "01 January 2024"
When Admin sets the business date to "02 January 2024"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | 145023 | Suspense/Clearing account | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
| LIABILITY | 145023 | Suspense/Clearing account | | 50.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 50.0 | |
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:C3983
Scenario: Verify loan with Buy Down fees and undo the charge-off transaction for non merchant - amortization in case of loan charge-off event is also reversed - UC3.1
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_NON_MERCHANT | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | 145023 | Suspense/Clearing account | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
# --- charge-off ---#
When Admin sets the business date to "1 February 2024"
And Admin does charge-off the loan on "1 February 2024"
Then Loan status will be "ACTIVE"
And Loan marked as charged-off on "01 February 2024"
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 17.58 | 0.0 | 17.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 32.42 | 0.0 | 32.42 | 0.0 | 0.0 | 0.0 | false |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 17.58 | 0.0 | 0.0 | 32.42 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 February 2024"
# --- check BDFA journal entries for before and after charge-off trn processed --- #
And Loan Transactions tab has 2 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 17.58 |
| LIABILITY | 145024 | Deferred Capitalized Income | 17.58 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 32.42 |
| LIABILITY | 145024 | Deferred Capitalized Income | 32.42 | |
# --- charge-off undo ---#
Then Admin does a charge-off undo the loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 17.58 | 0.0 | 17.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | true |
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| ASSET | 112603 | Interest/Fee Receivable | 1.17 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 100.0 |
| INCOME | 404001 | Interest Income Charge Off | | 1.17 |
And Loan Transactions tab has 1 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 17.58 |
| LIABILITY | 145024 | Deferred Capitalized Income | 17.58 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 17.58 | 32.42 | 0.0 | 0.0 |
When Loan Pay-off is made on "01 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C3984
Scenario: Verify loan with Buy Down fees and undo the charge-off a fraud loan for non-merchant - amortization in case of loan charge-off event is also reversed - UC3.2
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_NON_MERCHANT | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | 145023 | Suspense/Clearing account | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
Then Admin can successfully set Fraud flag to the loan
# --- charge-off ---#
When Admin sets the business date to "1 February 2024"
And Admin does charge-off the loan on "1 February 2024"
Then Loan status will be "ACTIVE"
And Loan marked as charged-off on "01 February 2024"
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 17.58 | 0.0 | 17.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 32.42 | 0.0 | 32.42 | 0.0 | 0.0 | 0.0 | false |
# --- check BDFA journal entries for before and after charge-off trn processed --- #
And Loan Transactions tab has 2 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 17.58 |
| LIABILITY | 145024 | Deferred Capitalized Income | 17.58 | |
| EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | | 32.42 |
| LIABILITY | 145024 | Deferred Capitalized Income | 32.42 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 17.58 | 0.0 | 0.0 | 32.42 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 February 2024"
# --- charge-off undo ---#
Then Admin does a charge-off undo the loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Buy Down Fee Amortization | 17.58 | 0.0 | 17.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Accrual | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | true |
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| ASSET | 112603 | Interest/Fee Receivable | 1.17 | |
| EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | | 100.0 |
| INCOME | 404001 | Interest Income Charge Off | | 1.17 |
And Loan Transactions tab has 1 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 17.58 |
| LIABILITY | 145024 | Deferred Capitalized Income | 17.58 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 17.58 | 32.42 | 0.0 | 0.0 |
When Loan Pay-off is made on "01 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C3985
Scenario: Verify loan with Buy Down fees and undo the charge-off transaction with "delinquent" reason for non-merchant - amortization in case of loan charge-off event is also reversed - UC3.3
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_NON_MERCHANT_CHARGE_OFF_REASON | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | 145023 | Suspense/Clearing account | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
Then Admin can successfully set Fraud flag to the loan
When Admin sets the business date to "25 January 2024"
And Admin does charge-off the loan with reason "DELINQUENT" on "25 January 2024"
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "25 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 13.74 | 0.0 | 13.74 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.45 | 0.0 | 0.45 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 36.26 | 0.0 | 36.26 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has 2 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "25 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 13.74 |
| LIABILITY | 145024 | Deferred Capitalized Income | 13.74 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 36.26 |
| LIABILITY | 145024 | Deferred Capitalized Income | 36.26 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 13.74 | 0.0 | 0.0 | 36.26 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "25 January 2024"
Then Admin does a charge-off undo the loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Buy Down Fee Amortization | 13.74 | 0.0 | 13.74 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Accrual | 0.45 | 0.0 | 0.45 | 0.0 | 0.0 | 0.0 | false |
| 25 January 2024 | Charge-off | 101.17 | 100.0 | 1.17 | 0.0 | 0.0 | 0.0 | true |
And Loan Transactions tab has a "CHARGE_OFF" transaction with date "25 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 100.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 1.17 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | |
| INCOME | 404001 | Interest Income Charge Off | 1.17 | |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| ASSET | 112603 | Interest/Fee Receivable | 1.17 | |
| EXPENSE | 744007 | Credit Loss/Bad Debt | | 100.0 |
| INCOME | 404001 | Interest Income Charge Off | | 1.17 |
And Loan Transactions tab has 1 a "BUY_DOWN_FEE_AMORTIZATION" transactions with date "25 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 13.74 |
| LIABILITY | 145024 | Deferred Capitalized Income | 13.74 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 13.74 | 36.26 | 0.0 | 0.0 |
When Loan Pay-off is made on "25 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:С3986
Scenario: Verify loan with Buy Down Fee adjustment trn and repayment trns for non-merchant - UC4
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_NON_MERCHANT | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | 145023 | Suspense/Clearing account | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
# --- 1st repayment on February,1 ---#
When Admin sets the business date to "1 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.72 EUR transaction amount
Then Loan status will be "ACTIVE"
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 33.72 | 0.0 | 0.0 | 67.45 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
# --- BuyDownFee Adjustment trns on March,1 ---#
When Admin sets the business date to "1 March 2024"
And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "01 March 2024" with "10" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 33.72 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 33.72 | 0.0 | 0.0 | 67.45 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | 145023 | Suspense/Clearing account | | 10.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 10.0 | |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 40.0 | 10.0 | 0.0 |
And LoanBuyDownFeeAdjustmentTransactionCreatedBusinessEvent is created on "01 March 2024"
# --- 2nd repayment on April,1 ---#
When Admin sets the business date to "1 April 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 33.73 EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Accrual | 1.35 | 0.0 | 1.35 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 40.0 | 0.0 | 40.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.34 | 0.39 | 0.0 | 0.0 | 33.52 | false |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 40.0 | 0.0 | 10.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "31 March 2024"
When Loan Pay-off is made on "1 April 2024"
Then Loan's all installments have obligations met
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Accrual | 1.35 | 0.0 | 1.35 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 40.0 | 0.0 | 40.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.34 | 0.39 | 0.0 | 0.0 | 33.52 | false |
| 01 April 2024 | Repayment | 33.91 | 33.52 | 0.39 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
# --- BuyDownFee Adjustment reversal on March,1 ---#
When Customer undo "1"th "Buy Down Fee Adjustment" transaction made on "01 March 2024"
When Admin sets the business date to "3 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 |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 February 2024 | Repayment | 33.72 | 33.14 | 0.58 | 0.0 | 0.0 | 66.86 | false |
| 01 March 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 31 March 2024 | Accrual | 1.35 | 0.0 | 1.35 | 0.0 | 0.0 | 0.0 | false |
| 31 March 2024 | Buy Down Fee Amortization | 40.0 | 0.0 | 40.0 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Repayment | 33.73 | 33.34 | 0.39 | 0.0 | 0.0 | 33.52 | false |
| 01 April 2024 | Repayment | 33.91 | 33.52 | 0.39 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 01 April 2024 | Buy Down Fee Amortization | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with date "01 March 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | 145023 | Suspense/Clearing account | | 10.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 10.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | 10.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 10.0 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 |
And LoanBuyDownFeeAmortizationTransactionCreatedBusinessEvent is created on "01 April 2024"
@TestRailId:C4004
Scenario: Verify buy down fee transaction creation with classification field set
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount and "buydown_fee_transaction_classification" classification
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Loan Transactions tab has a "Buy Down Fee" transaction with date "01 January 2024" which has classification code value "buydown_fee_transaction_classification_value"
And Buy down fee contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "01 January 2024" with "25" EUR transaction amount
And Loan Transactions tab has a "Buy Down Fee Adjustment" transaction with date "01 January 2024" which has classification code value "buydown_fee_transaction_classification_value"
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:C4009
Scenario: Verify Buy Down Fee amortization allocation mappings
When Admin sets the business date to "1 January 2024"
And Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 250 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "250" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
When Admin sets the business date to "2 January 2024"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "2 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "3 January 2024"
And Admin runs inline COB job for Loan
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
When Loan Pay-off is made on "03 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4019
Scenario: Verify Buy Down Fee amortization allocation mappings when buy down fee transaction is reversed
When Admin sets the business date to "1 January 2024"
And Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 350 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "350" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
When Admin sets the business date to "2 January 2024"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "2 January 2024" with "200" EUR transaction amount
When Admin sets the business date to "3 January 2024"
And Admin runs inline COB job for Loan
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 2.77 | 0.0 | 2.77 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 2.22 |
When Customer undo "1"th "Buy Down Fee" transaction made on "01 January 2024"
When Admin sets the business date to "4 January 2024"
And Admin runs inline COB job for Loan
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 2.77 | 0.0 | 2.77 | 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 |
| 03 January 2024 | Buy Down Fee Amortization | 1.12 | 0.0 | 1.12 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 1.1 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 2.22 |
| 03 January 2024 | AM | 2.22 |
When Admin sets the business date to "5 January 2024"
And Admin runs inline COB job for Loan
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 2.77 | 0.0 | 2.77 | 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 |
| 03 January 2024 | Buy Down Fee Amortization | 1.12 | 0.0 | 1.12 | 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 |
| 04 January 2024 | Buy Down Fee Amortization | 2.23 | 0.0 | 2.23 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 1.1 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 2.22 |
| 03 January 2024 | AM | 2.22 |
| 04 January 2024 | AM | 2.23 |
When Loan Pay-off is made on "05 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4022
Scenario: Verify Buy Down Fee amortization allocation mappings when buy down fee adjustment occurs
When Admin sets the business date to "1 January 2024"
And Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 350 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "350" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "50" EUR transaction amount
When Admin sets the business date to "2 January 2024"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "2 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "3 January 2024"
And Admin runs inline COB job for Loan
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
When Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "02 January 2024" with "40" EUR transaction amount
When Admin sets the business date to "4 January 2024"
And Admin runs inline COB job for Loan
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Adjustment | 40.0 | 0.0 | 0.0 | 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 |
| 03 January 2024 | Buy Down Fee Amortization | 0.77 | 0.0 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 0.34 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
| 03 January 2024 | AM | 1.11 |
When Admin sets the business date to "5 January 2024"
And Admin runs inline COB job for Loan
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Adjustment | 40.0 | 0.0 | 0.0 | 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 |
| 03 January 2024 | Buy Down Fee Amortization | 0.77 | 0.0 | 0.77 | 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 |
| 04 January 2024 | Buy Down Fee Amortization | 1.21 | 0.0 | 1.21 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 0.34 |
| 04 January 2024 | AM | 0.1 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
| 03 January 2024 | AM | 1.11 |
| 04 January 2024 | AM | 1.11 |
And Admin adds buy down fee adjustment of buy down fee transaction made on "02 January 2024" with "AUTOPAY" payment type to the loan on "04 January 2024" with "60" EUR transaction amount
When Admin sets the business date to "6 January 2024"
And Admin runs inline COB job for Loan
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Adjustment | 40.0 | 0.0 | 0.0 | 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 |
| 03 January 2024 | Buy Down Fee Amortization | 0.77 | 0.0 | 0.77 | 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 |
| 04 January 2024 | Buy Down Fee Amortization | 1.21 | 0.0 | 1.21 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Buy Down Fee Adjustment | 60.0 | 0.0 | 0.0 | 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 |
| 05 January 2024 | Buy Down Fee Amortization Adjustment | 0.14 | 0.0 | 0.14 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 0.34 |
| 04 January 2024 | AM | 0.1 |
| 05 January 2024 | AM | 0.11 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
| 03 January 2024 | AM | 1.11 |
| 04 January 2024 | AM | 1.11 |
| 05 January 2024 | AM_ADJ | 0.25 |
When Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "05 January 2024" with "10" EUR transaction amount
When Admin sets the business date to "7 January 2024"
And Admin runs inline COB job for Loan
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.55 | 0.0 | 0.55 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Amortization | 1.66 | 0.0 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
| 02 January 2024 | Buy Down Fee Adjustment | 40.0 | 0.0 | 0.0 | 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 |
| 03 January 2024 | Buy Down Fee Amortization | 0.77 | 0.0 | 0.77 | 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 |
| 04 January 2024 | Buy Down Fee Amortization | 1.21 | 0.0 | 1.21 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Buy Down Fee Adjustment | 60.0 | 0.0 | 0.0 | 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 |
| 05 January 2024 | Buy Down Fee Amortization Adjustment | 0.14 | 0.0 | 0.14 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Buy Down Fee Adjustment | 10.0 | 0.0 | 0.0 | 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 |
| 06 January 2024 | Buy Down Fee Amortization Adjustment | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.55 |
| 02 January 2024 | AM | 0.55 |
| 03 January 2024 | AM_ADJ | 0.34 |
| 04 January 2024 | AM | 0.1 |
| 05 January 2024 | AM | 0.11 |
| 06 January 2024 | AM_ADJ | 0.97 |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "02 January 2024" contains the following data:
| Date | Type | Amount |
| 02 January 2024 | AM | 1.11 |
| 03 January 2024 | AM | 1.11 |
| 04 January 2024 | AM | 1.11 |
| 05 January 2024 | AM_ADJ | 0.25 |
| 06 January 2024 | AM | 0.43 |
When Loan Pay-off is made on "07 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4040
Scenario: Verify Buy Down Fee amortization allocation mapping when already amortized amount is greater than should be after buy down fee adjustment
When Admin sets the business date to "1 January 2024"
And Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 30 | DAYS | 1 | DAYS | 30 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
And Admin runs inline COB job for Loan
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "1" EUR transaction amount
When Admin sets the business date to "15 January 2024"
And Admin runs inline COB job for Loan
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.03 |
| 02 January 2024 | AM | 0.04 |
| 03 January 2024 | AM | 0.03 |
| 04 January 2024 | AM | 0.03 |
| 05 January 2024 | AM | 0.04 |
| 06 January 2024 | AM | 0.03 |
| 07 January 2024 | AM | 0.03 |
| 08 January 2024 | AM | 0.04 |
| 09 January 2024 | AM | 0.03 |
| 10 January 2024 | AM | 0.03 |
| 11 January 2024 | AM | 0.04 |
| 12 January 2024 | AM | 0.03 |
| 13 January 2024 | AM | 0.03 |
| 14 January 2024 | AM | 0.04 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 1.0 | 0.47 | 0.53 | 0.0 | 0.0 |
And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "15 January 2024" with "0.7" EUR transaction amount
When Admin sets the business date to "16 January 2024"
And Admin runs inline COB job for Loan
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.03 |
| 02 January 2024 | AM | 0.04 |
| 03 January 2024 | AM | 0.03 |
| 04 January 2024 | AM | 0.03 |
| 05 January 2024 | AM | 0.04 |
| 06 January 2024 | AM | 0.03 |
| 07 January 2024 | AM | 0.03 |
| 08 January 2024 | AM | 0.04 |
| 09 January 2024 | AM | 0.03 |
| 10 January 2024 | AM | 0.03 |
| 11 January 2024 | AM | 0.04 |
| 12 January 2024 | AM | 0.03 |
| 13 January 2024 | AM | 0.03 |
| 14 January 2024 | AM | 0.04 |
| 15 January 2024 | AM_ADJ | 0.17 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 1.0 | 0.3 | 0.0 | 0.7 | 0.0 |
When Admin sets the business date to "25 January 2024"
And Admin runs inline COB job for Loan
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.03 |
| 02 January 2024 | AM | 0.04 |
| 03 January 2024 | AM | 0.03 |
| 04 January 2024 | AM | 0.03 |
| 05 January 2024 | AM | 0.04 |
| 06 January 2024 | AM | 0.03 |
| 07 January 2024 | AM | 0.03 |
| 08 January 2024 | AM | 0.04 |
| 09 January 2024 | AM | 0.03 |
| 10 January 2024 | AM | 0.03 |
| 11 January 2024 | AM | 0.04 |
| 12 January 2024 | AM | 0.03 |
| 13 January 2024 | AM | 0.03 |
| 14 January 2024 | AM | 0.04 |
| 15 January 2024 | AM_ADJ | 0.17 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 1.0 | 0.3 | 0.0 | 0.7 | 0.0 |
When Loan Pay-off is made on "25 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4043
Scenario: Verify Buy Down Fee amortization allocation mapping when after buy down fee adjustment and charge-off
When Admin sets the business date to "1 January 2024"
And Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 30 | DAYS | 1 | DAYS | 30 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
And Admin runs inline COB job for Loan
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "1" EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 1.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
When Admin sets the business date to "15 January 2024"
And Admin runs inline COB job for Loan
And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "15 January 2024" with "0.3" EUR transaction amount
When Admin sets the business date to "16 January 2024"
And 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 |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 1.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Buy Down Fee Amortization | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Buy Down Fee Amortization | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Buy Down Fee Amortization | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Buy Down Fee Amortization | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Buy Down Fee Adjustment | 0.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Buy Down Fee Amortization | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.03 |
| 02 January 2024 | AM | 0.04 |
| 03 January 2024 | AM | 0.03 |
| 04 January 2024 | AM | 0.03 |
| 05 January 2024 | AM | 0.04 |
| 06 January 2024 | AM | 0.03 |
| 07 January 2024 | AM | 0.03 |
| 08 January 2024 | AM | 0.04 |
| 09 January 2024 | AM | 0.03 |
| 10 January 2024 | AM | 0.03 |
| 11 January 2024 | AM | 0.04 |
| 12 January 2024 | AM | 0.03 |
| 13 January 2024 | AM | 0.03 |
| 14 January 2024 | AM | 0.04 |
| 15 January 2024 | AM | 0.01 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 1.0 | 0.48 | 0.22 | 0.3 | 0.0 |
And Admin does charge-off the loan on "16 January 2024"
Then Loan status will be "ACTIVE"
And Loan marked as charged-off on "16 January 2024"
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 1.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 01 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 02 January 2024 | Buy Down Fee Amortization | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 04 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 05 January 2024 | Buy Down Fee Amortization | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 06 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 07 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 08 January 2024 | Buy Down Fee Amortization | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 09 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 10 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 11 January 2024 | Buy Down Fee Amortization | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 12 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 13 January 2024 | Buy Down Fee Amortization | 0.03 | 0.0 | 0.03 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 14 January 2024 | Buy Down Fee Amortization | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Buy Down Fee Adjustment | 0.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 15 January 2024 | Buy Down Fee Amortization | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Buy Down Fee Amortization | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Charge-off | 100.38 | 100.0 | 0.38 | 0.0 | 0.0 | 0.0 | false |
| 16 January 2024 | Buy Down Fee Amortization | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 01 January 2024 | AM | 0.03 |
| 02 January 2024 | AM | 0.04 |
| 03 January 2024 | AM | 0.03 |
| 04 January 2024 | AM | 0.03 |
| 05 January 2024 | AM | 0.04 |
| 06 January 2024 | AM | 0.03 |
| 07 January 2024 | AM | 0.03 |
| 08 January 2024 | AM | 0.04 |
| 09 January 2024 | AM | 0.03 |
| 10 January 2024 | AM | 0.03 |
| 11 January 2024 | AM | 0.04 |
| 12 January 2024 | AM | 0.03 |
| 13 January 2024 | AM | 0.03 |
| 14 January 2024 | AM | 0.04 |
| 15 January 2024 | AM | 0.01 |
| 16 January 2024 | AM | 0.02 |
| 16 January 2024 | AM | 0.2 |
And Buy down fee by external-id contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 1.0 | 0.5 | 0.0 | 0.3 | 0.2 |
When Loan Pay-off is made on "16 January 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4092
Scenario: Verify GL entries for Buydown Fee Amortization - UC1: Amortization for Buydown fee with NO classification rule
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_CLASSIFICATION_INCOME_MAP | 01 January 2024 | 350 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "350" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
And Admin sets the business date to "02 January 2024"
And Admin runs inline COB job for Loan
Then Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 0.55 |
| LIABILITY | 145024 | Deferred Capitalized Income | 0.55 | |
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:C4093
Scenario: Verify GL entries for Buydown Fee Amortization - UC2: Amortization for Buydown fee with classification rule: pending_bankruptcy
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_CLASSIFICATION_INCOME_MAP | 01 January 2024 | 350 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "350" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount and classification: pending_bankruptcy
And Admin sets the business date to "02 January 2024"
And Admin runs inline COB job for Loan
Then Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 404007 | Fee Income | | 0.55 |
| LIABILITY | 145024 | Deferred Capitalized Income | 0.55 | |
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:C4094
Scenario: Verify GL entries for Buydown Fee Amortization - UC3: Amortization for Buydown fees with NO classification and with classification rule: pending_bankruptcy
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_CLASSIFICATION_INCOME_MAP | 01 January 2024 | 350 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "350" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
And Admin sets the business date to "02 January 2024"
And Admin runs inline COB job for Loan
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "02 January 2024" with "20" EUR transaction amount and classification: pending_bankruptcy
And Admin sets the business date to "03 January 2024"
And Admin runs inline COB job for Loan
Then Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 0.55 |
| LIABILITY | 145024 | Deferred Capitalized Income | 0.55 | |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "02 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 20.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 20.0 |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "02 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 404007 | Fee Income | | 0.22 |
| INCOME | 450281 | Income From Buy Down | | 0.55 |
| LIABILITY | 145024 | Deferred Capitalized Income | 0.77 | |
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:C4116
Scenario: Verify Buy Down Fee journal entries values when backdated new buy down fee with no classification and buy down fee adjustment for existing one with classification occurs on the same day
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES_CLASSIFICATION_INCOME_MAP | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount and classification: pending_bankruptcy
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Loan Transactions tab has a "Buy Down Fee" transaction with date "01 January 2024" which has classification code value "pending_bankruptcy"
And Buy down fee contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "01 January 2024" with "25" EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Adjustment | 25.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | | 25.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 25.0 | |
When Admin sets the business date to "15 April 2024"
And 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 |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Adjustment | 25.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual | 1.55 | 0.0 | 1.55 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2024 | Buy Down Fee Amortization | 25.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "14 April 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 404007 | Fee Income | | 25.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 25.0 | |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 14 April 2024 | AM | 25.0 |
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "30" EUR transaction amount
When Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "01 January 2024" with "5" EUR transaction amount
When Admin sets the business date to "16 April 2024"
And 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 |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Adjustment | 25.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee | 30.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Adjustment | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual | 1.55 | 0.0 | 1.55 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2024 | Buy Down Fee Amortization | 25.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | false | false |
| 15 April 2024 | Buy Down Fee Amortization | 25.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for the "1"th "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 14 April 2024 | AM | 25.0 |
| 15 April 2024 | AM_ADJ | 5.0 |
And Loan Amortization Allocation Mapping for the "2"th "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 15 April 2024 | AM | 30.0 |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "15 April 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 30.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | | 5.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 30.0 | |
| INCOME | 404007 | Fee Income | 5.0 | |
When Loan Pay-off is made on "16 April 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4117
Scenario: Verify Buy Down Fee journal entries values when backdated new buy down fee and buy down fee adjustment for existing one occurs on the same day, no classification
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_PROGRESSIVE_ADVANCED_PAYMENT_ALLOCATION_BUYDOWN_FEES | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin adds buy down fee with "AUTOPAY" payment type to the loan on "01 January 2024" with "50" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 66.86 | 33.14 | 0.58 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 2 | 29 | 01 March 2024 | | 33.53 | 33.33 | 0.39 | 0.0 | 0.0 | 33.72 | 0.0 | 0.0 | 0.0 | 33.72 |
| 3 | 31 | 01 April 2024 | | 0.0 | 33.53 | 0.2 | 0.0 | 0.0 | 33.73 | 0.0 | 0.0 | 0.0 | 33.73 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.17 | 0.0 | 0.0 | 101.17 | 0.0 | 0.0 | 0.0 | 101.17 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
And Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Buy down fee contains the following data:
| Date | Fee Amount | Amortized Amount | Not Yet Amortized Amount | Adjusted Amount | Charged Off Amount |
| 01 January 2024 | 50.0 | 0.0 | 50.0 | 0.0 | 0.0 |
And LoanBuyDownFeeTransactionCreatedBusinessEvent is created on "01 January 2024"
And Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "01 January 2024" with "25" EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Adjustment | 25.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Transactions tab has a "BUY_DOWN_FEE" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | 50.0 | |
| LIABILITY | 145024 | Deferred Capitalized Income | | 50.0 |
And Loan Transactions tab has a "BUY_DOWN_FEE_ADJUSTMENT" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| EXPENSE | 450280 | Buy Down Expense | | 25.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 25.0 | |
When Admin sets the business date to "15 April 2024"
And 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 |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Adjustment | 25.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual | 1.55 | 0.0 | 1.55 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2024 | Buy Down Fee Amortization | 25.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "14 April 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 25.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 25.0 | |
And Loan Amortization Allocation Mapping for "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 14 April 2024 | AM | 25.0 |
And Admin adds buy down fee with "AUTOPAY" payment type to the loan on "1 January 2024" with "30" EUR transaction amount
When Admin adds buy down fee adjustment with "AUTOPAY" payment type to the loan on "01 January 2024" with "5" EUR transaction amount
When Admin sets the business date to "16 April 2024"
And 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 |
| 01 January 2024 | Buy Down Fee | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Adjustment | 25.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee | 30.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 January 2024 | Buy Down Fee Adjustment | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual | 1.55 | 0.0 | 1.55 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2024 | Buy Down Fee Amortization | 25.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | false | false |
| 15 April 2024 | Buy Down Fee Amortization | 25.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Amortization Allocation Mapping for the "1"th "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 14 April 2024 | AM | 25.0 |
| 15 April 2024 | AM_ADJ | 5.0 |
And Loan Amortization Allocation Mapping for the "2"th "BUY_DOWN_FEE" transaction created on "01 January 2024" contains the following data:
| Date | Type | Amount |
| 15 April 2024 | AM | 30.0 |
And Loan Transactions tab has a "BUY_DOWN_FEE_AMORTIZATION" transaction with date "15 April 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| INCOME | 450281 | Income From Buy Down | | 30.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | | 5.0 |
| LIABILITY | 145024 | Deferred Capitalized Income | 30.0 | |
| INCOME | 450281 | Income From Buy Down | 5.0 | |
When Loan Pay-off is made on "16 April 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
Reference in New Issue View Git Blame Copy Permalink