1716 lines
216 KiB
Gherkin
1716 lines
216 KiB
Gherkin
@LoanReAmortizationFeature
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Feature: LoanReAmortization
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@TestRailId:C3069 @AdvancedPaymentAllocation
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Scenario: Verify Loan re-amortization transaction - re-amortization happy path
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When Admin sets the business date to "01 January 2024"
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When Admin creates a client with random data
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When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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When Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
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When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
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When Admin sets the business date to "25 January 2024"
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Then Loan Repayment schedule has 4 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
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| 3 | 15 | 31 January 2024 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
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| 4 | 15 | 15 February 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 125.0 | 0.0 | 0.0 | 375.0 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
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| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
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| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
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When When Admin creates a Loan re-amortization transaction on current business date
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Then Loan Repayment schedule has 4 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | 25 January 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 3 | 15 | 31 January 2024 | | 188.0 | 187.0 | 0.0 | 0.0 | 0.0 | 187.0 | 0.0 | 0.0 | 0.0 | 187.0 |
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| 4 | 15 | 15 February 2024 | | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 125.0 | 0.0 | 0.0 | 375.0 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
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| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
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| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
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| 25 January 2024 | Re-amortize | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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@TestRailId:C3070 @AdvancedPaymentAllocation
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Scenario: Verify Loan re-amortization transaction - re-amortization happy path with loan externalId
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When Admin sets the business date to "01 January 2024"
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When Admin creates a client with random data
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When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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When Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
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When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
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When Admin sets the business date to "25 January 2024"
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Then Loan Repayment schedule has 4 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
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| 3 | 15 | 31 January 2024 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
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| 4 | 15 | 15 February 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 125.0 | 0.0 | 0.0 | 375.0 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
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| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
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| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
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When When Admin creates a Loan re-amortization transaction on current business date by loan external ID
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Then Loan Repayment schedule has 4 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | 25 January 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 3 | 15 | 31 January 2024 | | 188.0 | 187.0 | 0.0 | 0.0 | 0.0 | 187.0 | 0.0 | 0.0 | 0.0 | 187.0 |
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| 4 | 15 | 15 February 2024 | | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 125.0 | 0.0 | 0.0 | 375.0 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
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| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
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| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
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| 25 January 2024 | Re-amortize | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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@TestRailId:C3071 @AdvancedPaymentAllocation
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Scenario: Verify Loan re-amortization transaction - re-amortization undo happy path
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When Admin sets the business date to "01 January 2024"
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When Admin creates a client with random data
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When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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When Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
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When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
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When Admin sets the business date to "25 January 2024"
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When When Admin creates a Loan re-amortization transaction on current business date
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Then Loan Repayment schedule has 4 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | 25 January 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 3 | 15 | 31 January 2024 | | 188.0 | 187.0 | 0.0 | 0.0 | 0.0 | 187.0 | 0.0 | 0.0 | 0.0 | 187.0 |
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| 4 | 15 | 15 February 2024 | | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 125.0 | 0.0 | 0.0 | 375.0 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
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| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
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| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false |
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| 25 January 2024 | Re-amortize | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
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When Admin sets the business date to "26 January 2024"
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When When Admin undo Loan re-amortization transaction on current business date
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Then Loan Repayment schedule has 4 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
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| 3 | 15 | 31 January 2024 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
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| 4 | 15 | 15 February 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 125.0 | 0.0 | 0.0 | 375.0 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
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| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
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| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false |
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| 25 January 2024 | Re-amortize | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
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Then Admin checks that delinquency range is: "RANGE_3" and has delinquentDate "2024-01-19"
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@TestRailId:C3072 @AdvancedPaymentAllocation
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Scenario: Verify Loan re-amortization transaction - delinquency calculation triggered upon re-amortization transaction
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When Admin sets the business date to "01 January 2024"
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When Admin creates a client with random data
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When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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When Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
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When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
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When Admin sets the business date to "24 January 2024"
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When Admin runs inline COB job for Loan
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Then Admin checks that delinquency range is: "RANGE_3" and has delinquentDate "2024-01-19"
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When Admin sets the business date to "25 January 2024"
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When When Admin creates a Loan re-amortization transaction on current business date
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Then Admin checks that delinquency range is: "NO_DELINQUENCY" and has delinquentDate ""
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@TestRailId:C3073 @AdvancedPaymentAllocation
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Scenario: Verify Loan re-amortization transaction - UC1: re-amortization after charge applied on loan
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When Admin sets the business date to "01 January 2024"
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When Admin creates a client with random data
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When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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When Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
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When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
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When Admin sets the business date to "16 January 2024"
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When Admin adds "LOAN_NSF_FEE" due date charge with "16 January 2024" due date and 10 EUR transaction amount
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When Admin sets the business date to "25 January 2024"
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When When Admin creates a Loan re-amortization transaction on current business date
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Then Loan Repayment schedule has 4 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | | 375.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
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| 3 | 15 | 31 January 2024 | | 188.0 | 187.0 | 0.0 | 0.0 | 0.0 | 187.0 | 0.0 | 0.0 | 0.0 | 187.0 |
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| 4 | 15 | 15 February 2024 | | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 500.0 | 0.0 | 0.0 | 10.0 | 510.0 | 125.0 | 0.0 | 0.0 | 385.0 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
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| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
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| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
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| 25 January 2024 | Re-amortize | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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@TestRailId:C3074 @AdvancedPaymentAllocation
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Scenario: Verify Loan re-amortization transaction - UC2: complete past due principal amount reamortization scenario
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When Admin sets the business date to "01 January 2024"
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When Admin creates a client with random data
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When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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When Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
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When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
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When Admin sets the business date to "01 February 2024"
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When When Admin creates a Loan re-amortization transaction on current business date
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Then Loan Repayment schedule has 4 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | 01 February 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 3 | 15 | 31 January 2024 | 01 February 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 4 | 15 | 15 February 2024 | | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 125.0 | 0.0 | 0.0 | 375.0 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
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| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
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| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
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| 01 February 2024 | Re-amortize | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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@TestRailId:C3075 @AdvancedPaymentAllocation
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Scenario: Verify Loan re-amortization transaction - UC3: reverse replay scenario
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When Admin sets the business date to "01 January 2024"
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When Admin creates a client with random data
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When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
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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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 01 February 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 01 February 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 125.0 | 0.0 | 0.0 | 375.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 01 February 2024 | Re-amortize | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
When Admin sets the business date to "02 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 125 EUR transaction amount
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 15 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 01 February 2024 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 250.0 | 125.0 | 0.0 | 250.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 15 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
|
| 01 February 2024 | Re-amortize | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
|
|
@TestRailId:C3076 @AdvancedPaymentAllocation
|
|
Scenario: Verify Loan re-amortization transaction - UC4: N+1 Installment scenario
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
When Admin adds "LOAN_NSF_FEE" due date charge with "27 February 2024" due date and 10 EUR transaction amount
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 01 February 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 01 February 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 5 | 12 | 27 February 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 0.0 | 0.0 | 10.0 | 510.0 | 125.0 | 0.0 | 0.0 | 385.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 01 February 2024 | Re-amortize | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
|
|
@TestRailId:C3077 @AdvancedPaymentAllocation
|
|
Scenario: Verify Loan re-amortization transaction - UC5: re-amortization on same day of installment
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
|
When Admin sets the business date to "16 January 2024"
|
|
When Admin adds "LOAN_NSF_FEE" due date charge with "16 January 2024" due date and 10 EUR transaction amount
|
|
When Admin sets the business date to "31 January 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | | 375.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
|
| 3 | 15 | 31 January 2024 | 31 January 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 0.0 | 0.0 | 10.0 | 510.0 | 125.0 | 0.0 | 0.0 | 385.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 31 January 2024 | Re-amortize | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
|
|
@TestRailId:C3078 @AdvancedPaymentAllocation
|
|
Scenario: Verify Loan re-amortization transaction - UC6: Parital Paid Scenario
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
|
When Admin sets the business date to "17 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "17 January 2024" with 50 EUR transaction amount
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 50.0 | 0.0 | 50.0 | 75.0 |
|
|
| 3 | 15 | 31 January 2024 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
|
| 4 | 15 | 15 February 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 175.0 | 0.0 | 50.0 | 325.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 17 January 2024 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 325.0 |
|
|
When Admin sets the business date to "30 January 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date by loan external ID
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 30 January 2024 | 325.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 50.0 | 0.0 | 50.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | | 162.0 | 163.0 | 0.0 | 0.0 | 0.0 | 163.0 | 0.0 | 0.0 | 0.0 | 163.0 |
|
|
| 4 | 15 | 15 February 2024 | | 0.0 | 162.0 | 0.0 | 0.0 | 0.0 | 162.0 | 0.0 | 0.0 | 0.0 | 162.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 175.0 | 0.0 | 50.0 | 325.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 17 January 2024 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 325.0 |
|
|
| 30 January 2024 | Re-amortize | 75.0 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
|
|
@TestRailId:C3089 @AdvancedPaymentAllocation
|
|
Scenario: Verify Loan re-amortization transaction - Event check
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
|
When Admin sets the business date to "31 January 2024"
|
|
When Admin runs inline COB job for Loan
|
|
Then LoanDelinquencyRangeChangeBusinessEvent is created
|
|
When Admin sets the business date to "01 February 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then LoanDelinquencyRangeChangeBusinessEvent is created
|
|
Then LoanReAmortizeBusinessEvent is created
|
|
|
|
@TestRailId:C3112 @AdvancedPaymentAllocation
|
|
Scenario: Verify Loan re-amortization transaction reverse-replay - UC1: undo old repayment
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 800 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 75 | DAYS | 15 | DAYS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "800" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "800" EUR transaction amount
|
|
When Admin sets the business date to "16 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 120 EUR transaction amount
|
|
# --- Re-amortization transaction ---
|
|
When Admin sets the business date to "20 February 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 600.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 16 January 2024 | 480.0 | 120.0 | 0.0 | 0.0 | 0.0 | 120.0 | 120.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 20 February 2024 | 480.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 20 February 2024 | 480.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 15 | 01 March 2024 | | 240.0 | 240.0 | 0.0 | 0.0 | 0.0 | 240.0 | 0.0 | 0.0 | 0.0 | 240.0 |
|
|
| 6 | 15 | 16 March 2024 | | 0.0 | 240.0 | 0.0 | 0.0 | 0.0 | 240.0 | 0.0 | 0.0 | 0.0 | 240.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 800.0 | 0.0 | 0.0 | 0.0 | 800.0 | 320.0 | 0.0 | 0.0 | 480.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
| 01 January 2024 | Down Payment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
|
|
| 16 January 2024 | Repayment | 120.0 | 120.0 | 0.0 | 0.0 | 0.0 | 480.0 | false | false |
|
|
| 20 February 2024 | Re-amortize | 240.0 | 240.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
# --- Undo repayment ---
|
|
When Admin sets the business date to "25 February 2024"
|
|
When Customer undo "1"th "Repayment" transaction made on "16 January 2024"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 600.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 15 | 01 March 2024 | | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
| 6 | 15 | 16 March 2024 | | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 800.0 | 0.0 | 0.0 | 0.0 | 800.0 | 200.0 | 0.0 | 0.0 | 600.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
| 01 January 2024 | Down Payment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
|
|
| 16 January 2024 | Repayment | 120.0 | 120.0 | 0.0 | 0.0 | 0.0 | 480.0 | true | false |
|
|
| 20 February 2024 | Re-amortize | 360.0 | 360.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
|
|
|
|
@TestRailId:C3113 @AdvancedPaymentAllocation
|
|
Scenario: Verify Loan re-amortization transaction reverse-replay - UC2: backdated repayment
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 800 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 75 | DAYS | 15 | DAYS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "800" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "800" EUR transaction amount
|
|
# --- Re-amortization transaction ---
|
|
When Admin sets the business date to "20 February 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 600.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 15 | 01 March 2024 | | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
| 6 | 15 | 16 March 2024 | | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 800.0 | 0.0 | 0.0 | 0.0 | 800.0 | 200.0 | 0.0 | 0.0 | 600.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
| 01 January 2024 | Down Payment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
|
|
| 20 February 2024 | Re-amortize | 360.0 | 360.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
# --- Backdated repayment ---
|
|
When Admin sets the business date to "25 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 120 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 600.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 16 January 2024 | 480.0 | 120.0 | 0.0 | 0.0 | 0.0 | 120.0 | 120.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 20 February 2024 | 480.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 20 February 2024 | 480.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 15 | 01 March 2024 | | 240.0 | 240.0 | 0.0 | 0.0 | 0.0 | 240.0 | 0.0 | 0.0 | 0.0 | 240.0 |
|
|
| 6 | 15 | 16 March 2024 | | 0.0 | 240.0 | 0.0 | 0.0 | 0.0 | 240.0 | 0.0 | 0.0 | 0.0 | 240.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 800.0 | 0.0 | 0.0 | 0.0 | 800.0 | 320.0 | 0.0 | 0.0 | 480.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
| 01 January 2024 | Down Payment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
|
|
| 16 January 2024 | Repayment | 120.0 | 120.0 | 0.0 | 0.0 | 0.0 | 480.0 | false | false |
|
|
| 20 February 2024 | Re-amortize | 240.0 | 240.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
|
|
|
|
@TestRailId:C3114 @AdvancedPaymentAllocation
|
|
Scenario: Verify Loan re-amortization transaction reverse-replay - UC3: backdated disbursement
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 800 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 75 | DAYS | 15 | DAYS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "800" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "800" EUR transaction amount
|
|
# --- Re-amortization transaction ---
|
|
When Admin sets the business date to "20 February 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 600.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 15 | 01 March 2024 | | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
| 6 | 15 | 16 March 2024 | | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 800.0 | 0.0 | 0.0 | 0.0 | 800.0 | 200.0 | 0.0 | 0.0 | 600.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
| 01 January 2024 | Down Payment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
|
|
| 20 February 2024 | Re-amortize | 360.0 | 360.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
# --- Backdated disbursement ---
|
|
When Admin sets the business date to "25 February 2024"
|
|
When Admin successfully disburse the loan on "16 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 600.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 20 February 2024 | 575.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| | | 16 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 3 | 0 | 16 January 2024 | 20 February 2024 | 675.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 31 January 2024 | 20 February 2024 | 675.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 15 | 15 February 2024 | 20 February 2024 | 675.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 6 | 15 | 01 March 2024 | | 337.0 | 338.0 | 0.0 | 0.0 | 0.0 | 338.0 | 0.0 | 0.0 | 0.0 | 338.0 |
|
|
| 7 | 15 | 16 March 2024 | | 0.0 | 337.0 | 0.0 | 0.0 | 0.0 | 337.0 | 0.0 | 0.0 | 0.0 | 337.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 900.0 | 0.0 | 0.0 | 0.0 | 900.0 | 225.0 | 0.0 | 0.0 | 675.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
| 01 January 2024 | Down Payment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
|
|
| 16 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
|
|
| 16 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 675.0 | false | false |
|
|
| 20 February 2024 | Re-amortize | 398.0 | 398.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
|
|
|
|
@TestRailId:C3115 @AdvancedPaymentAllocation
|
|
Scenario: Verify Loan re-amortization transaction reverse-replay - UC4: backdated charge
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 800 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 75 | DAYS | 15 | DAYS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "800" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "800" EUR transaction amount
|
|
When Admin sets the business date to "16 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 140 EUR transaction amount
|
|
# --- Re-amortization transaction ---
|
|
When Admin sets the business date to "20 February 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 600.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 16 January 2024 | 480.0 | 120.0 | 0.0 | 0.0 | 0.0 | 120.0 | 120.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 20 February 2024 | 460.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 20.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 20 February 2024 | 460.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 15 | 01 March 2024 | | 230.0 | 230.0 | 0.0 | 0.0 | 0.0 | 230.0 | 0.0 | 0.0 | 0.0 | 230.0 |
|
|
| 6 | 15 | 16 March 2024 | | 0.0 | 230.0 | 0.0 | 0.0 | 0.0 | 230.0 | 0.0 | 0.0 | 0.0 | 230.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 800.0 | 0.0 | 0.0 | 0.0 | 800.0 | 340.0 | 20.0 | 0.0 | 460.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
| 01 January 2024 | Down Payment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
|
|
| 16 January 2024 | Repayment | 140.0 | 140.0 | 0.0 | 0.0 | 0.0 | 460.0 | false | false |
|
|
| 20 February 2024 | Re-amortize | 220.0 | 220.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
# --- Backdated charge ---
|
|
When Admin sets the business date to "25 February 2024"
|
|
When Admin adds "LOAN_NSF_FEE" due date charge with "15 January 2024" due date and 20 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 600.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 16 January 2024 | 480.0 | 120.0 | 0.0 | 0.0 | 20.0 | 140.0 | 140.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 20 February 2024 | 480.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 20 February 2024 | 480.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 15 | 01 March 2024 | | 240.0 | 240.0 | 0.0 | 0.0 | 0.0 | 240.0 | 0.0 | 0.0 | 0.0 | 240.0 |
|
|
| 6 | 15 | 16 March 2024 | | 0.0 | 240.0 | 0.0 | 0.0 | 0.0 | 240.0 | 0.0 | 0.0 | 0.0 | 240.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 800.0 | 0.0 | 0.0 | 20.0 | 820.0 | 340.0 | 0.0 | 0.0 | 480.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
| 01 January 2024 | Down Payment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
|
|
| 16 January 2024 | Repayment | 140.0 | 120.0 | 0.0 | 0.0 | 20.0 | 480.0 | false | true |
|
|
| 20 February 2024 | Re-amortize | 240.0 | 240.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
|
|
|
|
@TestRailId:C3134 @AdvancedPaymentAllocation
|
|
Scenario: Verify Loan re-amortization transaction reverse-replay - UC5: re-amortization validation should not consider reverted transactions
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 800 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 75 | DAYS | 15 | DAYS | 5 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "800" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "800" EUR transaction amount
|
|
# --- Re-amortization transaction after 1st installment date ---
|
|
When Admin sets the business date to "20 February 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 600.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 15 | 01 March 2024 | | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
| 6 | 15 | 16 March 2024 | | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 800.0 | 0.0 | 0.0 | 0.0 | 800.0 | 200.0 | 0.0 | 0.0 | 600.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
| 01 January 2024 | Down Payment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
|
|
| 20 February 2024 | Re-amortize | 360.0 | 360.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
# --- Secnd disbursement with autopayment ---
|
|
When Admin sets the business date to "21 February 2024"
|
|
When Admin successfully disburse the loan on "21 February 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 600.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| | | 21 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 5 | 0 | 21 February 2024 | 21 February 2024 | 675.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 6 | 15 | 01 March 2024 | | 337.0 | 338.0 | 0.0 | 0.0 | 0.0 | 338.0 | 0.0 | 0.0 | 0.0 | 338.0 |
|
|
| 7 | 15 | 16 March 2024 | | 0.0 | 337.0 | 0.0 | 0.0 | 0.0 | 337.0 | 0.0 | 0.0 | 0.0 | 337.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 900.0 | 0.0 | 0.0 | 0.0 | 900.0 | 225.0 | 0.0 | 0.0 | 675.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
| 01 January 2024 | Down Payment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
|
|
| 20 February 2024 | Re-amortize | 360.0 | 360.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
|
|
| 21 February 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 675.0 | false | false |
|
|
# --- Undo autopayment of second disbursement ---
|
|
When Admin sets the business date to "22 February 2024"
|
|
And Customer undo "1"th "Down Payment" transaction made on "21 February 2024"
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 600.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 20 February 2024 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| | | 21 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 5 | 0 | 21 February 2024 | | 675.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 6 | 15 | 01 March 2024 | | 337.0 | 338.0 | 0.0 | 0.0 | 0.0 | 338.0 | 0.0 | 0.0 | 0.0 | 338.0 |
|
|
| 7 | 15 | 16 March 2024 | | 0.0 | 337.0 | 0.0 | 0.0 | 0.0 | 337.0 | 0.0 | 0.0 | 0.0 | 337.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 900.0 | 0.0 | 0.0 | 0.0 | 900.0 | 200.0 | 0.0 | 0.0 | 700.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
| 01 January 2024 | Down Payment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
|
|
| 20 February 2024 | Re-amortize | 360.0 | 360.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
|
|
| 21 February 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 675.0 | true | false |
|
|
# --- Undo re-amortization ---
|
|
When Admin sets the business date to "23 February 2024"
|
|
And When Admin undo Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 600.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | | 480.0 | 120.0 | 0.0 | 0.0 | 0.0 | 120.0 | 0.0 | 0.0 | 0.0 | 120.0 |
|
|
| 3 | 15 | 31 January 2024 | | 360.0 | 120.0 | 0.0 | 0.0 | 0.0 | 120.0 | 0.0 | 0.0 | 0.0 | 120.0 |
|
|
| 4 | 15 | 15 February 2024 | | 240.0 | 120.0 | 0.0 | 0.0 | 0.0 | 120.0 | 0.0 | 0.0 | 0.0 | 120.0 |
|
|
| | | 21 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 5 | 0 | 21 February 2024 | | 315.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 6 | 15 | 01 March 2024 | | 157.0 | 158.0 | 0.0 | 0.0 | 0.0 | 158.0 | 0.0 | 0.0 | 0.0 | 158.0 |
|
|
| 7 | 15 | 16 March 2024 | | 0.0 | 157.0 | 0.0 | 0.0 | 0.0 | 157.0 | 0.0 | 0.0 | 0.0 | 157.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 900.0 | 0.0 | 0.0 | 0.0 | 900.0 | 200.0 | 0.0 | 0.0 | 700.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
|
|
| 01 January 2024 | Down Payment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false |
|
|
| 20 February 2024 | Re-amortize | 360.0 | 360.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
|
|
| 21 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
|
|
| 21 February 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 675.0 | true | false |
|
|
|
|
@TestRailId:C4304 @AdvancedPaymentAllocation
|
|
Scenario: Verify allowing Re-amortization on interest bearing loan - Interest calculation: Default Behavior - UC1
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
When Admin sets the business date to "15 March 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 63.23 | 20.34 | 0.98 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 4 | 30 | 01 May 2024 | | 42.28 | 20.95 | 0.37 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 5 | 31 | 01 June 2024 | | 21.21 | 21.07 | 0.25 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 21.21 | 0.12 | 0.0 | 0.0 | 21.33 | 0.0 | 0.0 | 0.0 | 21.33 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.3 | 0.0 | 0.0 | 102.3 | 17.01 | 0.0 | 0.0 | 85.29 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 15 March 2024 | Re-amortize | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "15 March 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4305 @AdvancedPaymentAllocation
|
|
Scenario: Verify allowing Re-amortization on interest bearing loan - Interest calculation: Default Behavior - Principal and interest and Fees - UC2
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "15 February 2024"
|
|
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 February 2024" due date and 10 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 10.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 17.01 | 0.0 | 0.0 | 95.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
And Loan Charges tab has the following data:
|
|
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
|
| Snooze fee | false | Specified due date | 15 February 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
|
When Admin sets the business date to "15 March 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 83.57 | 0.0 | 0.0 | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
|
| 3 | 31 | 01 April 2024 | | 63.23 | 20.34 | 0.98 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 4 | 30 | 01 May 2024 | | 42.28 | 20.95 | 0.37 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 5 | 31 | 01 June 2024 | | 21.21 | 21.07 | 0.25 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 21.21 | 0.12 | 0.0 | 0.0 | 21.33 | 0.0 | 0.0 | 0.0 | 21.33 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.3 | 10.0 | 0.0 | 112.3 | 17.01 | 0.0 | 0.0 | 95.29 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 15 March 2024 | Re-amortize | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
And Loan Charges tab has the following data:
|
|
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
|
| Snooze fee | false | Specified due date | 15 February 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
|
|
|
When Loan Pay-off is made on "15 March 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4306 @AdvancedPaymentAllocation
|
|
Scenario: Verify allowing Re-amortization on interest bearing loan - Interest calculation: Default Behavior - N+1 Scenario - UC3
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "15 July 2024"
|
|
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 July 2024" due date and 10 EUR transaction amount
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
| 7 | 14 | 15 July 2024 | | 0.0 | 0.0 | 0.0 | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 17.01 | 0.0 | 0.0 | 95.04 |
|
|
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 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
|
When Admin sets the business date to "15 March 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 63.23 | 20.34 | 0.98 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 4 | 30 | 01 May 2024 | | 42.28 | 20.95 | 0.37 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 5 | 31 | 01 June 2024 | | 21.21 | 21.07 | 0.25 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 21.21 | 0.12 | 0.0 | 0.0 | 21.33 | 0.0 | 0.0 | 0.0 | 21.33 |
|
|
| 7 | 14 | 15 July 2024 | | 0.0 | 0.0 | 0.0 | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.3 | 10.0 | 0.0 | 112.3 | 17.01 | 0.0 | 0.0 | 95.29 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 15 March 2024 | Re-amortize | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "15 March 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4307 @AdvancedPaymentAllocation
|
|
Scenario: Verify allowing Re-amortization on interest bearing loan - Interest calculation: Default Behavior - Charge-back before re-aging - UC4
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.14 | 32.86 | 1.16 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
|
|
| 3 | 31 | 01 April 2024 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 116.43 | 2.72 | 0.0 | 0.0 | 119.15 | 17.01 | 0.0 | 0.0 | 102.14 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
|
| 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false |
|
|
When Admin sets the business date to "15 March 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 76.08 | 23.92 | 1.74 | 0.0 | 0.0 | 25.66 | 0.0 | 0.0 | 0.0 | 25.66 |
|
|
| 4 | 30 | 01 May 2024 | | 50.86 | 25.22 | 0.44 | 0.0 | 0.0 | 25.66 | 0.0 | 0.0 | 0.0 | 25.66 |
|
|
| 5 | 31 | 01 June 2024 | | 25.5 | 25.36 | 0.3 | 0.0 | 0.0 | 25.66 | 0.0 | 0.0 | 0.0 | 25.66 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 25.5 | 0.15 | 0.0 | 0.0 | 25.65 | 0.0 | 0.0 | 0.0 | 25.65 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 116.43 | 3.21 | 0.0 | 0.0 | 119.64 | 17.01 | 0.0 | 0.0 | 102.63 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 15 March 2024 | Re-amortize | 34.02 | 32.86 | 1.16 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "15 March 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4308 @AdvancedPaymentAllocation
|
|
Scenario: Verify allowing Re-amortization on interest bearing loan - Interest calculation: Default Behavior - Partially paid installment - UC5
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 20.0 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.03 | 16.54 | 0.47 | 0.0 | 0.0 | 17.01 | 2.99 | 2.99 | 0.0 | 14.02 |
|
|
| 3 | 31 | 01 April 2024 | | 50.41 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.69 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.88 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.88 | 0.1 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.03 | 0.0 | 0.0 | 102.03 | 20.0 | 2.99 | 0.0 | 82.03 |
|
|
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 February 2024 | Repayment | 20.0 | 19.42 | 0.58 | 0.0 | 0.0 | 80.58 | false |
|
|
When Admin sets the business date to "15 March 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 March 2024 | 80.58 | 2.99 | 0.0 | 0.0 | 0.0 | 2.99 | 2.99 | 2.99 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 60.96 | 19.62 | 0.94 | 0.0 | 0.0 | 20.56 | 0.0 | 0.0 | 0.0 | 20.56 |
|
|
| 4 | 30 | 01 May 2024 | | 40.76 | 20.2 | 0.36 | 0.0 | 0.0 | 20.56 | 0.0 | 0.0 | 0.0 | 20.56 |
|
|
| 5 | 31 | 01 June 2024 | | 20.44 | 20.32 | 0.24 | 0.0 | 0.0 | 20.56 | 0.0 | 0.0 | 0.0 | 20.56 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 20.44 | 0.12 | 0.0 | 0.0 | 20.56 | 0.0 | 0.0 | 0.0 | 20.56 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.24 | 0.0 | 0.0 | 102.24 | 20.0 | 2.99 | 0.0 | 82.24 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 20.0 | 19.42 | 0.58 | 0.0 | 0.0 | 80.58 | false | false |
|
|
| 15 March 2024 | Re-amortize | 14.02 | 13.55 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "15 March 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4309 @AdvancedPaymentAllocation
|
|
Scenario: Verify allowing Re-amortization on interest bearing loan - Interest calculation: Default Behavior - DownPayment Scenarios - UC6
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_PYMNT_INTEREST_RECALCULATION_DAILY_EMI_360_30_MULTIDISBURSE_AUTO_DOWNPAYMENT" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_RECALCULATION_DAILY_EMI_360_30_MULTIDISBURSE_AUTO_DOWNPAYMENT | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 5 | 30 | 01 May 2024 | | 25.28 | 12.54 | 0.22 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 6 | 31 | 01 June 2024 | | 12.67 | 12.61 | 0.15 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 25.0 | 0.0 | 0.0 | 76.54 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false |
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 12.76 EUR transaction amount
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024| 01 February 2024 | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 5 | 30 | 01 May 2024 | | 25.28 | 12.54 | 0.22 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 6 | 31 | 01 June 2024 | | 12.67 | 12.61 | 0.15 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 37.76 | 0.0 | 0.0 | 63.78 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false |
|
|
| 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false |
|
|
When Admin sets the business date to "15 March 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | 15 March 2024 | 62.68 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 April 2024 | | 47.43 | 15.25 | 0.74 | 0.0 | 0.0 | 15.99 | 0.0 | 0.0 | 0.0 | 15.99 |
|
|
| 5 | 30 | 01 May 2024 | | 31.72 | 15.71 | 0.28 | 0.0 | 0.0 | 15.99 | 0.0 | 0.0 | 0.0 | 15.99 |
|
|
| 6 | 31 | 01 June 2024 | | 15.92 | 15.8 | 0.19 | 0.0 | 0.0 | 15.99 | 0.0 | 0.0 | 0.0 | 15.99 |
|
|
| 7 | 30 | 01 July 2024 | | 0.0 | 15.92 | 0.09 | 0.0 | 0.0 | 16.01 | 0.0 | 0.0 | 0.0 | 16.01 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.74 | 0.0 | 0.0 | 101.74 | 37.76 | 0.0 | 0.0 | 63.98 |
|
|
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 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false |
|
|
| 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false |
|
|
| 15 March 2024 | Re-amortize | 12.76 | 12.39 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
@TestRailId:C4219 @AdvancedPaymentAllocation
|
|
Scenario: Verify Re-amortization transaction on interest bearing loan - Interest handling: EQUAL_AMORTIZATION_INTEREST_SPLIT - UC1: Principal and interest re-amortization
|
|
When Admin sets the business date to "01 January 2024"
|
|
And Admin creates a client with random data
|
|
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
And Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
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 |
|
|
# --- Repayment on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
|
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 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# --- Re-amortization transaction ---
|
|
When Admin sets the business date to "15 March 2024"
|
|
And Admin creates a Loan re-amortization transaction on current business date with reAmortizationInterestHandling "EQUAL_AMORTIZATION_INTEREST_SPLIT"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 62.86 | 20.71 | 0.61 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 4 | 30 | 01 May 2024 | | 42.03 | 20.83 | 0.49 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 5 | 31 | 01 June 2024 | | 21.09 | 20.95 | 0.37 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 21.09 | 0.24 | 0.0 | 0.0 | 21.33 | 0.0 | 0.0 | 0.0 | 21.33 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.3 | 0.0 | 0.0 | 102.3 | 17.01 | 0.0 | 0.0 | 85.29 |
|
|
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 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 15 March 2024 | Re-amortization | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
@TestRailId:C4220 @AdvancedPaymentAllocation
|
|
Scenario: Verify Re-amortization transaction on interest bearing loan - Interest handling: EQUAL_AMORTIZATION_INTEREST_SPLIT - UC2: Principal interest and fee re-amortization
|
|
When Admin sets the business date to "01 January 2024"
|
|
And Admin creates a client with random data
|
|
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
And Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
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 |
|
|
# --- Repayment on due date and snooze fee added ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 February 2024" due date and 10 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 10.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 17.01 | 0.0 | 0.0 | 95.04 |
|
|
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 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# --- Re-amortization transaction ---
|
|
When Admin sets the business date to "15 March 2024"
|
|
And Admin creates a Loan re-amortization transaction on current business date with reAmortizationInterestHandling "EQUAL_AMORTIZATION_INTEREST_SPLIT"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 62.86 | 20.71 | 0.61 | 2.5 | 0.0 | 23.82 | 0.0 | 0.0 | 0.0 | 23.82 |
|
|
| 4 | 30 | 01 May 2024 | | 42.03 | 20.83 | 0.49 | 2.5 | 0.0 | 23.82 | 0.0 | 0.0 | 0.0 | 23.82 |
|
|
| 5 | 31 | 01 June 2024 | | 21.09 | 20.95 | 0.37 | 2.5 | 0.0 | 23.82 | 0.0 | 0.0 | 0.0 | 23.82 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 21.09 | 0.24 | 2.5 | 0.0 | 23.83 | 0.0 | 0.0 | 0.0 | 23.83 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.3 | 10.0 | 0.0 | 112.3 | 17.01 | 0.0 | 0.0 | 95.29 |
|
|
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 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 15 March 2024 | Re-amortization | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
@TestRailId:C4221 @AdvancedPaymentAllocation
|
|
Scenario: Verify Re-amortization transaction on interest bearing loan - Interest handling: EQUAL_AMORTIZATION_INTEREST_SPLIT - UC3: Principal interest and fee re-amortization, N+1 installment
|
|
When Admin sets the business date to "01 January 2024"
|
|
And Admin creates a client with random data
|
|
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
And Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
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 |
|
|
# --- Repayment on due date and snooze fee added ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 July 2024" due date and 10 EUR transaction amount
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
| 7 | 14 | 15 July 2024 | | 0.0 | 0.0 | 0.0 | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 17.01 | 0.0 | 0.0 | 95.04 |
|
|
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 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# --- Re-amortization transaction ---
|
|
When Admin sets the business date to "15 March 2024"
|
|
And Admin creates a Loan re-amortization transaction on current business date with reAmortizationInterestHandling "EQUAL_AMORTIZATION_INTEREST_SPLIT"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 62.86 | 20.71 | 0.61 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 4 | 30 | 01 May 2024 | | 42.03 | 20.83 | 0.49 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 5 | 31 | 01 June 2024 | | 21.09 | 20.95 | 0.37 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 21.09 | 0.24 | 0.0 | 0.0 | 21.33 | 0.0 | 0.0 | 0.0 | 21.33 |
|
|
| 7 | 14 | 15 July 2024 | | 0.0 | 0.0 | 0.0 | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.3 | 10.0 | 0.0 | 112.3 | 17.01 | 0.0 | 0.0 | 95.29 |
|
|
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 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 15 March 2024 | Re-amortization | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
@TestRailId:C4222 @AdvancedPaymentAllocation
|
|
Scenario: Verify Re-amortization transaction on interest bearing loan - Interest handling: EQUAL_AMORTIZATION_INTEREST_SPLIT - UC4: Principal interest re-amortization, chargeback
|
|
When Admin sets the business date to "01 January 2024"
|
|
And Admin creates a client with random data
|
|
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
And Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
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 |
|
|
# --- Repayment on due date and chargeback added ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Customer makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
# TODO check numbers - is google sheet state OK for sure after chargeback?
|
|
# Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
# | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
# | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
# | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
# | 2 | 29 | 01 March 2024 | 01 February 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
# | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
# | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
# | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
# | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
# And Loan Repayment schedule has the following data in Total row:
|
|
# | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
# | 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 17.01 | 0.0 | 0.0 | 95.04 |
|
|
# 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 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |false |
|
|
## --- Re-amortization transaction ---
|
|
# When Admin sets the business date to "15 March 2024"
|
|
# And Admin creates a Loan re-amortization transaction on current business date with reAmortizationInterestHandling "EQUAL_AMORTIZATION_INTEREST_SPLIT"
|
|
# Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
# | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
# | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
# | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
# | 2 | 29 | 01 March 2024 | | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
# | 3 | 31 | 01 April 2024 | | 62.86 | 20.71 | 0.61 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
# | 4 | 30 | 01 May 2024 | | 42.03 | 20.83 | 0.49 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
# | 5 | 31 | 01 June 2024 | | 21.09 | 20.95 | 0.37 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
# | 6 | 30 | 01 July 2024 | | 0.0 | 21.09 | 0.24 | 0.0 | 0.0 | 21.33 | 0.0 | 0.0 | 0.0 | 21.33 |
|
|
# | 7 | 14 | 15 July 2024 | | 0.0 | 0.0 | 0.0 | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
|
# And Loan Repayment schedule has the following data in Total row:
|
|
# | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
# | 100.0 | 2.3 | 10.0 | 0.0 | 112.3 | 17.01 | 0.0 | 0.0 | 95.29 |
|
|
# 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 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# | 15 March 2024 | Re-amortization | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
@TestRailId:C4223 @AdvancedPaymentAllocation
|
|
Scenario: Verify Re-amortization transaction on interest bearing loan - Interest handling: EQUAL_AMORTIZATION_INTEREST_SPLIT - UC5: Principal interest and fee re-amortization, partial payment
|
|
When Admin sets the business date to "01 January 2024"
|
|
And Admin creates a client with random data
|
|
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
And Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
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 |
|
|
# --- Repayment on due date and partially paid next installment ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 20.0 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.03 | 16.54 | 0.47 | 0.0 | 0.0 | 17.01 | 2.99 | 2.99 | 0.0 | 14.02 |
|
|
| 3 | 31 | 01 April 2024 | | 50.41 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.69 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.88 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.88 | 0.1 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.03 | 10.0 | 0.0 | 102.03 | 20.0 | 2.99 | 0.0 | 82.03 |
|
|
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 February 2024 | Repayment | 20.0 | 19.42 | 0.58 | 0.0 | 0.0 | 80.58 | false | false |
|
|
# --- Re-amortization transaction ---
|
|
When Admin sets the business date to "15 March 2024"
|
|
And Admin creates a Loan re-amortization transaction on current business date with reAmortizationInterestHandling "EQUAL_AMORTIZATION_INTEREST_SPLIT"
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 80.58 | 2.99 | 0.0 | 0.0 | 0.0 | 2.99 | 2.99 | 2.99 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 60.61 | 19.97 | 0.59 | 0.0 | 0.0 | 20.56 | 0.0 | 0.0 | 0.0 | 20.56 |
|
|
| 4 | 30 | 01 May 2024 | | 42.53 | 20.08 | 0.48 | 0.0 | 0.0 | 20.56 | 0.0 | 0.0 | 0.0 | 20.56 |
|
|
| 5 | 31 | 01 June 2024 | | 20.32 | 20.2 | 0.36 | 0.0 | 0.0 | 20.56 | 0.0 | 0.0 | 0.0 | 20.56 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 20.32 | 0.24 | 0.0 | 0.0 | 20.56 | 0.0 | 0.0 | 0.0 | 20.56 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.24 | 0.0 | 0.0 | 102.24 | 20.0 | 2.99 | 0.0 | 82.24 |
|
|
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 February 2024 | Repayment | 20.0 | 19.42 | 0.58 | 0.0 | 0.0 | 80.58 | false | false |
|
|
| 15 March 2024 | Re-amortization | 14.02 | 13.55 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
@TestRailId:C4224 @AdvancedPaymentAllocation
|
|
Scenario: Verify Re-amortization transaction on interest bearing loan - Interest handling: EQUAL_AMORTIZATION_INTEREST_SPLIT - UC6: Principal and interest re-amortization, downpayment
|
|
When Admin sets the business date to "01 January 2024"
|
|
And Admin creates a client with random data
|
|
And Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_DOWNPAYMENT | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 January 2024" with 25.0 EUR transaction amount
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 5 | 30 | 01 May 2024 | | 25.28 | 12.54 | 0.22 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 6 | 31 | 01 June 2024 | | 12.67 | 12.61 | 0.15 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 25.0 | 0.0 | 0.0 | 76.54 |
|
|
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 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false |
|
|
# --- Repayment on due date ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 12.76 EUR transaction amount
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 5 | 30 | 01 May 2024 | | 25.28 | 12.54 | 0.22 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 6 | 31 | 01 June 2024 | | 12.67 | 12.61 | 0.15 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
|
| 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 37.76 | 0.0 | 0.0 | 63.78 |
|
|
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 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false |
|
|
| 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false |
|
|
# --- Re-amortization transaction ---
|
|
When Admin sets the business date to "15 March 2024"
|
|
And Admin creates a Loan re-amortization transaction on current business date with reAmortizationInterestHandling "EQUAL_AMORTIZATION_INTEREST_SPLIT"
|
|
# TODO check numbers is google sheet state OK for sure?
|
|
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 74.56 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | | 74.56 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 April 2024 | | 59.03 | 15.53 | 0.46 | 0.0 | 0.0 | 15.99 | 0.0 | 0.0 | 0.0 | 15.99 |
|
|
| 5 | 30 | 01 May 2024 | | 43.41 | 15.62 | 0.37 | 0.0 | 0.0 | 15.99 | 0.0 | 0.0 | 0.0 | 15.99 |
|
|
| 6 | 31 | 01 June 2024 | | 29.69 | 15.72 | 0.27 | 0.0 | 0.0 | 15.99 | 0.0 | 0.0 | 0.0 | 15.99 |
|
|
| 7 | 30 | 01 July 2024 | | 11.88 | 15.81 | 0.18 | 0.0 | 0.0 | 15.99 | 0.0 | 0.0 | 0.0 | 15.99 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 37.76 | 0.0 | 0.0 | 63.96 |
|
|
And Loan Transactions tab has the following data:1
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false |
|
|
| 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false |
|
|
| 15 March 2024 | Re-amortization | 12.76 | 12.39 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "15 March 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
#will be handled in separate story
|
|
@Skip
|
|
@TestRailId:C4310 @AdvancedPaymentAllocation
|
|
Scenario: Verify multiple Re-amortizations on the same loan - Interest calculation: Default Behavior - Multiple Re-amortizations on the same loan
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "15 March 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 63.23 | 20.34 | 0.98 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 4 | 30 | 01 May 2024 | | 42.28 | 20.95 | 0.37 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 5 | 31 | 01 June 2024 | | 21.21 | 21.07 | 0.25 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 21.21 | 0.12 | 0.0 | 0.0 | 21.33 | 0.0 | 0.0 | 0.0 | 21.33 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.3 | 0.0 | 0.0 | 102.3 | 17.01 | 0.0 | 0.0 | 85.29 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 15 March 2024 | Re-amortize | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 21.32 EUR transaction amount
|
|
When Admin sets the business date to "15 May 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 63.23 | 20.34 | 0.98 | 0.0 | 0.0 | 21.32 | 21.32 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 15 May 2024 | 63.23 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | | 31.89 | 31.34 | 0.74 | 0.0 | 0.0 | 32.08 | 0.0 | 0.0 | 0.0 | 32.08 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 31.89 | 0.19 | 0.0 | 0.0 | 32.08 | 0.0 | 0.0 | 0.0 | 32.08 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.49 | 0.0 | 0.0 | 102.49 | 38.33 | 0.0 | 0.0 | 64.16 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 15 March 2024 | Re-amortize | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 April 2024 | Repayment | 21.32 | 20.34 | 0.98 | 0.0 | 0.0 | 63.23 | false | false |
|
|
| 15 May 2024 | Re-amortize | 21.32 | 20.95 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "15 May 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4311 @AdvancedPaymentAllocation
|
|
Scenario: Verify Re-amortization with overdue penalties - Interest calculation: Default Behavior - Re-amortization with overdue penalties
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "05 March 2024"
|
|
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "05 March 2024" due date and 5 EUR transaction amount
|
|
When Admin sets the business date to "10 March 2024"
|
|
When Admin adds "LOAN_NSF_FEE" due date charge with "10 March 2024" due date and 10 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.46 | 16.59 | 0.42 | 5.0 | 10.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.74 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.93 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.93 | 0.1 | 0.0 | 0.0 | 17.03 | 0.0 | 0.0 | 0.0 | 17.03 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.08 | 5.0 | 10.0 | 117.08 | 17.01 | 0.0 | 0.0 | 100.07 |
|
|
When Admin sets the business date to "15 March 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 63.23 | 20.34 | 0.98 | 5.0 | 10.0 | 36.32 | 0.0 | 0.0 | 0.0 | 36.32 |
|
|
| 4 | 30 | 01 May 2024 | | 42.28 | 20.95 | 0.37 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 5 | 31 | 01 June 2024 | | 21.21 | 21.07 | 0.25 | 0.0 | 0.0 | 21.32 | 0.0 | 0.0 | 0.0 | 21.32 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 21.21 | 0.12 | 0.0 | 0.0 | 21.33 | 0.0 | 0.0 | 0.0 | 21.33 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.3 | 5.0 | 10.0 | 117.3 | 17.01 | 0.0 | 0.0 | 100.29 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 15 March 2024 | Re-amortize | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "15 March 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4312 @AdvancedPaymentAllocation
|
|
Scenario: Verify Re-amortization with multiple unpaid installments - Interest calculation: Default Behavior - Re-amortization with multiple unpaid installments
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
|
When Admin sets the business date to "15 April 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 15 April 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 April 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 15 April 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | | 68.01 | 31.99 | 2.32 | 0.0 | 0.0 | 34.31 | 0.0 | 0.0 | 0.0 | 34.31 |
|
|
| 5 | 31 | 01 June 2024 | | 34.1 | 33.91 | 0.4 | 0.0 | 0.0 | 34.31 | 0.0 | 0.0 | 0.0 | 34.31 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 34.1 | 0.2 | 0.0 | 0.0 | 34.3 | 0.0 | 0.0 | 0.0 | 34.3 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.92 | 0.0 | 0.0 | 102.92 | 0.0 | 0.0 | 0.0 | 102.92 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 15 April 2024 | Re-amortize | 51.03 | 49.29 | 1.74 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "15 April 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4313 @AdvancedPaymentAllocation
|
|
Scenario: Verify Re-amortization after overpayment - Interest calculation: Default Behavior - Re-amortization after overpayment
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 30.0 EUR transaction amount
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 66.97 | 16.6 | 0.41 | 0.0 | 0.0 | 17.01 | 12.99 | 12.99 | 0.0 | 4.02 |
|
|
| 3 | 31 | 01 April 2024 | | 50.35 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.63 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.82 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.82 | 0.1 | 0.0 | 0.0 | 16.92 | 0.0 | 0.0 | 0.0 | 16.92 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 1.97 | 0.0 | 0.0 | 101.97 | 30.0 | 12.99 | 0.0 | 71.97 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 30.0 | 29.42 | 0.58 | 0.0 | 0.0 | 70.58 | false | false |
|
|
When Admin sets the business date to "15 March 2024"
|
|
When When Admin creates a Loan re-amortization transaction on current business date
|
|
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 March 2024 | 70.58 | 12.99 | 0.0 | 0.0 | 0.0 | 12.99 | 12.99 | 12.99 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 53.39 | 17.19 | 0.82 | 0.0 | 0.0 | 18.01 | 0.0 | 0.0 | 0.0 | 18.01 |
|
|
| 4 | 30 | 01 May 2024 | | 35.69 | 17.7 | 0.31 | 0.0 | 0.0 | 18.01 | 0.0 | 0.0 | 0.0 | 18.01 |
|
|
| 5 | 31 | 01 June 2024 | | 17.89 | 17.8 | 0.21 | 0.0 | 0.0 | 18.01 | 0.0 | 0.0 | 0.0 | 18.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.89 | 0.1 | 0.0 | 0.0 | 17.99 | 0.0 | 0.0 | 0.0 | 17.99 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 2.02 | 0.0 | 0.0 | 102.02 | 30.0 | 12.99 | 0.0 | 72.02 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 30.0 | 29.42 | 0.58 | 0.0 | 0.0 | 70.58 | false | false |
|
|
| 15 March 2024 | Re-amortize | 4.02 | 3.61 | 0.41 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
When Loan Pay-off is made on "15 March 2024"
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met |