1401 lines
172 KiB
Gherkin
1401 lines
172 KiB
Gherkin
@LoanInterestPaymentWaiver
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Feature: LoanInterestWaiver
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@TestRailId:C3141
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Scenario: Verify Interest Payment Waiver transaction - UC1: LP1 product, cumulative schedule, flat interest, allocation: interest-principal, interestPaymentWaiver on due date with exact amount
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When Admin sets the business date to "01 January 2024"
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And Admin creates a client with random data
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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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| LP1_INTEREST_FLAT | 01 January 2024 | 1000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | INTEREST_PRINCIPAL_PENALTIES_FEES_ORDER |
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And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
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And Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
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When Admin sets the business date to "01 February 2024"
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When Admin makes "INTEREST_PAYMENT_WAIVER" transaction with "AUTOPAY" payment type on "01 February 2024" with 260 EUR transaction amount
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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 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 29 | 01 March 2024 | | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
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| 3 | 31 | 01 April 2024 | | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
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| 4 | 30 | 01 May 2024 | | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
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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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| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 260.0 | 0.0 | 0.0 | 780.0 |
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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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
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| 01 February 2024 | Interest Payment Waiver | 260.0 | 250.0 | 10.0 | 0.0 | 0.0 | 750.0 |
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Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | 1000.0 | |
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| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
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Then Loan Transactions tab has a "INTEREST_PAYMENT_WAIVER" transaction with date "01 February 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | | 250.0 |
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| ASSET | 112603 | Interest/Fee Receivable | | 10.0 |
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| INCOME | 404000 | Interest Income | 260.0 | |
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@TestRailId:C3142
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Scenario: Verify Interest Payment Waiver transaction - UC2: LP1 product, cumulative schedule, flat interest, allocation: fee-interest-principal, interestPaymentWaiver on due date with partial amount
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When Admin sets the business date to "01 January 2024"
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And Admin creates a client with random data
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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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| LP1_INTEREST_FLAT | 01 January 2024 | 1000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | DUE_PENALTY_FEE_INTEREST_PRINCIPAL_IN_ADVANCE_PRINCIPAL_PENALTY_FEE_INTEREST |
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And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
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And Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
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When Admin sets the business date to "15 January 2024"
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When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 January 2024" due date and 20 EUR transaction amount
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When Admin sets the business date to "01 February 2024"
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When Admin makes "INTEREST_PAYMENT_WAIVER" transaction with "AUTOPAY" payment type on "01 February 2024" with 40 EUR transaction amount
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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 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2024 | | 750.0 | 250.0 | 10.0 | 20.0 | 0.0 | 280.0 | 40.0 | 0.0 | 0.0 | 240.0 |
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| 2 | 29 | 01 March 2024 | | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
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| 3 | 31 | 01 April 2024 | | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
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| 4 | 30 | 01 May 2024 | | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
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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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| 1000 | 40.0 | 20.0 | 0.0 | 1060.0 | 40.0 | 0.0 | 0.0 | 1020.0 |
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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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
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| 01 February 2024 | Interest Payment Waiver | 40.0 | 10.0 | 10.0 | 20.0 | 0.0 | 990.0 |
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Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | 1000.0 | |
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| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
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Then Loan Transactions tab has a "INTEREST_PAYMENT_WAIVER" transaction with date "01 February 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | | 10.0 |
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| ASSET | 112603 | Interest/Fee Receivable | | 30.0 |
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| INCOME | 404000 | Interest Income | 40.0 | |
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@TestRailId:C3143
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Scenario: Verify Interest Payment Waiver transaction - UC3: LP1 product, cumulative schedule, flat interest, allocation: principal-interest, interestPaymentWaiver on due date with partial amount
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When Admin sets the business date to "01 January 2024"
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And Admin creates a client with random data
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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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| LP1_INTEREST_FLAT | 01 January 2024 | 1000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | PRINCIPAL_INTEREST_PENALTIES_FEES_ORDER |
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And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
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And Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
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When Admin sets the business date to "01 February 2024"
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When Admin makes "INTEREST_PAYMENT_WAIVER" transaction with "AUTOPAY" payment type on "01 February 2024" with 10 EUR transaction amount
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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 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2024 | | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 10.0 | 0.0 | 0.0 | 250.0 |
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| 2 | 29 | 01 March 2024 | | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
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| 3 | 31 | 01 April 2024 | | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
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| 4 | 30 | 01 May 2024 | | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
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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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| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 10.0 | 0.0 | 0.0 | 1030.0 |
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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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
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| 01 February 2024 | Interest Payment Waiver | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 990.0 |
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Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | 1000.0 | |
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| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
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Then Loan Transactions tab has a "INTEREST_PAYMENT_WAIVER" transaction with date "01 February 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | | 10.0 |
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| INCOME | 404000 | Interest Income | 10.0 | |
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@TestRailId:C3144
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Scenario: Verify Interest Payment Waiver transaction - UC4: LP1 product, cumulative schedule, flat interest, allocation: principal-interest, interestPaymentWaiver after maturity date, overpayment
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When Admin sets the business date to "01 January 2024"
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And Admin creates a client with random data
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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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| LP1_INTEREST_FLAT | 01 January 2024 | 1000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | PRINCIPAL_INTEREST_PENALTIES_FEES_ORDER |
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And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
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And Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
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When Admin sets the business date to "01 February 2024"
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And Customer makes "AUTOPAY" repayment on "01 February 2024" with 260 EUR transaction amount
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When Admin sets the business date to "01 March 2024"
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And Customer makes "AUTOPAY" repayment on "01 March 2024" with 260 EUR transaction amount
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When Admin sets the business date to "01 April 2024"
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And Customer makes "AUTOPAY" repayment on "01 April 2024" with 260 EUR transaction amount
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When Admin sets the business date to "01 May 2024"
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And Customer makes "AUTOPAY" repayment on "01 May 2024" with 250 EUR transaction amount
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Then Loan status will be "ACTIVE"
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Then Loan has 10 outstanding amount
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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 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 29 | 01 March 2024 | 01 March 2024 | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 0.0 | 0.0 | 0.0 |
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| 3 | 31 | 01 April 2024 | 01 April 2024 | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 0.0 | 0.0 | 0.0 |
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| 4 | 30 | 01 May 2024 | | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 250.0 | 0.0 | 0.0 | 10.0 |
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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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| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 1030.0 | 0.0 | 0.0 | 10.0 |
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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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
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| 01 February 2024 | Repayment | 260.0 | 250.0 | 10.0 | 0.0 | 0.0 | 750.0 |
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| 01 March 2024 | Repayment | 260.0 | 250.0 | 10.0 | 0.0 | 0.0 | 500.0 |
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| 01 April 2024 | Repayment | 260.0 | 250.0 | 10.0 | 0.0 | 0.0 | 250.0 |
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| 01 May 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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# ---Overpay loan with Interest payment waiver ---
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When Admin makes "INTEREST_PAYMENT_WAIVER" transaction with "AUTOPAY" payment type on "01 May 2024" with 20 EUR transaction amount
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Then Loan status will be "OVERPAID"
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Then Loan has 0 outstanding amount
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Then Loan has 10 overpaid amount
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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 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 29 | 01 March 2024 | 01 March 2024 | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 0.0 | 0.0 | 0.0 |
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| 3 | 31 | 01 April 2024 | 01 April 2024 | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 0.0 | 0.0 | 0.0 |
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| 4 | 30 | 01 May 2024 | 01 May 2024 | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 0.0 | 0.0 | 0.0 |
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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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| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 1040.0 | 0.0 | 0.0 | 0.0 |
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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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
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| 01 February 2024 | Repayment | 260.0 | 250.0 | 10.0 | 0.0 | 0.0 | 750.0 |
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| 01 March 2024 | Repayment | 260.0 | 250.0 | 10.0 | 0.0 | 0.0 | 500.0 |
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| 01 April 2024 | Repayment | 260.0 | 250.0 | 10.0 | 0.0 | 0.0 | 250.0 |
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| 01 May 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 01 May 2024 | Interest Payment Waiver | 20.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 |
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| 01 May 2024 | Accrual | 40.0 | 0.0 | 40.0 | 0.0 | 0.0 | 0.0 |
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Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | 1000.0 | |
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| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
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Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | | 250.0 |
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| ASSET | 112603 | Interest/Fee Receivable | | 10.0 |
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| LIABILITY | 145023 | Suspense/Clearing account | 260.0 | |
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Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | | 250.0 |
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| ASSET | 112603 | Interest/Fee Receivable | | 10.0 |
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| LIABILITY | 145023 | Suspense/Clearing account | 260.0 | |
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Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | | 250.0 |
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| ASSET | 112603 | Interest/Fee Receivable | | 10.0 |
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| LIABILITY | 145023 | Suspense/Clearing account | 260.0 | |
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Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 May 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | | 250.0 |
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| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
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Then Loan Transactions tab has a "INTEREST_PAYMENT_WAIVER" transaction with date "01 May 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112603 | Interest/Fee Receivable | | 10.0 |
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| LIABILITY | l1 | Overpayment account | | 10.0 |
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| INCOME | 404000 | Interest Income | 20.0 | |
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Then Loan Transactions tab has a "ACCRUAL" transaction with date "01 May 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112603 | Interest/Fee Receivable | 40.0 | |
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| INCOME | 404000 | Interest Income | | 40.0 |
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@TestRailId:C3145
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Scenario: Verify Interest Payment Waiver transaction - UC5: LP1 product, cumulative schedule, flat interest, allocation: interest-principal, interestPaymentWaiver before due date, repayment on due date, undo interestPaymentWaiver
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When Admin sets the business date to "01 January 2024"
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And Admin creates a client with random data
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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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| LP1_INTEREST_FLAT | 01 January 2024 | 1000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | INTEREST_PRINCIPAL_PENALTIES_FEES_ORDER |
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And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
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And Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
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# --- Interest Payment Waiver before due date with partial amount ---
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When Admin sets the business date to "15 January 2024"
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When Admin makes "INTEREST_PAYMENT_WAIVER" transaction with "AUTOPAY" payment type on "15 January 2024" with 10 EUR transaction amount
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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 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2024 | | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 10.0 | 10.0 | 0.0 | 250.0 |
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| 2 | 29 | 01 March 2024 | | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
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| 3 | 31 | 01 April 2024 | | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
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| 4 | 30 | 01 May 2024 | | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
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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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| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 10.0 | 10.0 | 0.0 | 1030.0 |
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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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
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| 15 January 2024 | Interest Payment Waiver | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 1000.0 |
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Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
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| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "INTEREST_PAYMENT_WAIVER" transaction with date "15 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 10.0 |
|
|
| INCOME | 404000 | Interest Income | 10.0 | |
|
|
# --- Repayment on due date for the remaining amount ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 250 EUR transaction amount
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 10.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 3 | 31 | 01 April 2024 | | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 260.0 | 10.0 | 0.0 | 780.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
|
| 15 January 2024 | Interest Payment Waiver | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 1000.0 |
|
|
| 01 February 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "INTEREST_PAYMENT_WAIVER" transaction with date "15 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 10.0 |
|
|
| INCOME | 404000 | Interest Income | 10.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
# --- Interest Payment waiver revert ---
|
|
When Admin sets the business date to "02 February 2024"
|
|
When Customer undo "1"th "Interest Payment Waiver" transaction made on "15 January 2024"
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 250.0 | 0.0 | 0.0 | 10.0 |
|
|
| 2 | 29 | 01 March 2024 | | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 3 | 31 | 01 April 2024 | | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 250.0 | 0.0 | 0.0 | 790.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 15 January 2024 | Interest Payment Waiver | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 1000.0 | true | false |
|
|
| 01 February 2024 | Repayment | 250.0 | 240.0 | 10.0 | 0.0 | 0.0 | 760.0 | false | true |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "INTEREST_PAYMENT_WAIVER" transaction with date "15 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 10.0 |
|
|
| INCOME | 404000 | Interest Income | 10.0 | |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 10.0 | |
|
|
| INCOME | 404000 | Interest Income | | 10.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 240.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 10.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
|
|
@TestRailId:C3146
|
|
Scenario: Verify Interest Payment Waiver transaction - UC6: LP1 product, cumulative schedule, flat interest, allocation: interest-principal, interestPaymentWaiver before due date, repayment on due date, chergeback for interestPaymentWaiver
|
|
When Admin sets the business date to "01 January 2024"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP1_INTEREST_FLAT | 01 January 2024 | 1000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | INTEREST_PRINCIPAL_PENALTIES_FEES_ORDER |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
# --- Interest Payment Waiver before due date with partial amount ---
|
|
When Admin sets the business date to "15 January 2024"
|
|
When Admin makes "INTEREST_PAYMENT_WAIVER" transaction with "AUTOPAY" payment type on "15 January 2024" with 10 EUR transaction amount
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 10.0 | 10.0 | 0.0 | 250.0 |
|
|
| 2 | 29 | 01 March 2024 | | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 3 | 31 | 01 April 2024 | | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 10.0 | 10.0 | 0.0 | 1030.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
|
| 15 January 2024 | Interest Payment Waiver | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 1000.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "INTEREST_PAYMENT_WAIVER" transaction with date "15 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 10.0 |
|
|
| INCOME | 404000 | Interest Income | 10.0 | |
|
|
# --- Repayment on due date for the remaining amount ---
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 250 EUR transaction amount
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 10.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 3 | 31 | 01 April 2024 | | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 260.0 | 10.0 | 0.0 | 780.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
|
| 15 January 2024 | Interest Payment Waiver | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 1000.0 |
|
|
| 01 February 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "INTEREST_PAYMENT_WAIVER" transaction with date "15 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 10.0 |
|
|
| INCOME | 404000 | Interest Income | 10.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
# --- Chargeback for Interest Payment waiver ---
|
|
And Customer makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" repayment on "01 February 2024" with 10 EUR transaction amount
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 10.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 10.0 | 10.0 | 0.0 | 250.0 |
|
|
| 3 | 31 | 01 April 2024 | | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 270.0 | 20.0 | 0.0 | 770.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 15 January 2024 | Interest Payment Waiver | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
|
| 01 February 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
|
|
| 01 February 2024 | Repayment | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 750.0 | false | false |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "INTEREST_PAYMENT_WAIVER" transaction with date "15 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 10.0 |
|
|
| INCOME | 404000 | Interest Income | 10.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 10.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 10.0 | |
|
|
|
|
@TestRailId:C3147
|
|
Scenario: Verify Interest Payment Waiver transaction - UC7: LP1 product, cumulative schedule, flat interest, allocation: interest-principal, interestPaymentWaiver puts loan in overpaid status when transaction amount is greater than balance
|
|
When Admin sets the business date to "01 January 2024"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP1_INTEREST_FLAT | 01 January 2024 | 1000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | INTEREST_PRINCIPAL_PENALTIES_FEES_ORDER |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
When Admin makes "INTEREST_PAYMENT_WAIVER" transaction with "AUTOPAY" payment type on "01 February 2024" with 1100 EUR transaction amount
|
|
Then Loan status will be "OVERPAID"
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan has 60 overpaid amount
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 February 2024 | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 260.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 February 2024 | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 260.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 February 2024 | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 260.0 | 0.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 1040.0 | 780.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
|
| 01 February 2024 | Interest Payment Waiver | 1100.0 | 1000.0 | 40.0 | 0.0 | 0.0 | 0.0 |
|
|
| 01 February 2024 | Accrual | 40.0 | 0.0 | 40.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "INTEREST_PAYMENT_WAIVER" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 1000.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 40.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 60.0 |
|
|
| INCOME | 404000 | Interest Income | 1100.0 | |
|
|
Then Loan Transactions tab has a "ACCRUAL" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 40.0 | |
|
|
| INCOME | 404000 | Interest Income | | 40.0 |
|
|
|
|
@TestRailId:C3148
|
|
Scenario: Verify Interest Payment Waiver transaction - UC8: LP1 product, cumulative schedule, flat interest, allocation: interest-principal, interestPaymentWaiver puts loan from closed to overpaid status
|
|
When Admin sets the business date to "01 January 2024"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP1_INTEREST_FLAT | 01 January 2024 | 1000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | INTEREST_PRINCIPAL_PENALTIES_FEES_ORDER |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
When Admin sets the business date to "15 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 1040 EUR transaction amount
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
Then Loan has 0 outstanding amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
When Admin makes "INTEREST_PAYMENT_WAIVER" transaction with "AUTOPAY" payment type on "01 February 2024" with 100 EUR transaction amount
|
|
Then Loan status will be "OVERPAID"
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan has 100 overpaid amount
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 15 January 2024 | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 260.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 15 January 2024 | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 260.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 15 January 2024 | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 260.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 15 January 2024 | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 260.0 | 0.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 1040.0 | 1040.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
|
| 15 January 2024 | Repayment | 1040.0 | 1000.0 | 40.0 | 0.0 | 0.0 | 0.0 |
|
|
| 15 January 2024 | Accrual | 40.0 | 0.0 | 40.0 | 0.0 | 0.0 | 0.0 |
|
|
| 01 February 2024 | Interest Payment Waiver | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "15 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 1000.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 40.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 1040.0 | |
|
|
Then Loan Transactions tab has a "ACCRUAL" transaction with date "15 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 40.0 | |
|
|
| INCOME | 404000 | Interest Income | | 40.0 |
|
|
Then Loan Transactions tab has a "INTEREST_PAYMENT_WAIVER" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | l1 | Overpayment account | | 100.0 |
|
|
| INCOME | 404000 | Interest Income | 100.0 | |
|
|
|
|
@TestRailId:C3149
|
|
Scenario: Verify Interest Payment Waiver transaction - UC9: LP1 product, cumulative schedule, flat interest, allocation: interest-principal, loan overdue calculation is updated upon interestPaymentWaiver transaction
|
|
When Admin sets the business date to "01 January 2024"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP1_INTEREST_FLAT | 01 January 2024 | 1000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | INTEREST_PRINCIPAL_PENALTIES_FEES_ORDER |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
When Admin sets the business date to "01 June 2024"
|
|
When Admin runs inline COB job for Loan
|
|
Then Admin checks that delinquency range is: "RANGE_90" and has delinquentDate "2024-02-04"
|
|
Then Loan status will be "ACTIVE"
|
|
Then Loan has 1040 outstanding amount
|
|
When Admin sets the business date to "02 June 2024"
|
|
When Admin makes "INTEREST_PAYMENT_WAIVER" transaction with "AUTOPAY" payment type on "02 June 2024" with 1040 EUR transaction amount
|
|
Then Admin checks that delinquency range is: "NO_DELINQUENCY" and has delinquentDate ""
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 02 June 2024 | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 0.0 | 260.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 02 June 2024 | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 0.0 | 260.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 02 June 2024 | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 0.0 | 260.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 02 June 2024 | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 0.0 | 260.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 1040.0 | 0.0 | 1040.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
|
| 01 February 2024 | Accrual | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 |
|
|
| 01 March 2024 | Accrual | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 |
|
|
| 01 April 2024 | Accrual | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 |
|
|
| 01 May 2024 | Accrual | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 |
|
|
| 02 June 2024 | Interest Payment Waiver | 1040.0 | 1000.0 | 40.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "ACCRUAL" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 10.0 | |
|
|
| INCOME | 404000 | Interest Income | | 10.0 |
|
|
Then Loan Transactions tab has a "ACCRUAL" transaction with date "01 March 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 10.0 | |
|
|
| INCOME | 404000 | Interest Income | | 10.0 |
|
|
Then Loan Transactions tab has a "ACCRUAL" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 10.0 | |
|
|
| INCOME | 404000 | Interest Income | | 10.0 |
|
|
Then Loan Transactions tab has a "ACCRUAL" transaction with date "01 May 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 10.0 | |
|
|
| INCOME | 404000 | Interest Income | | 10.0 |
|
|
Then Loan Transactions tab has a "INTEREST_PAYMENT_WAIVER" transaction with date "02 June 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 1000.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 40.0 |
|
|
| INCOME | 404000 | Interest Income | 1040.0 | |
|
|
|
|
@TestRailId:C3150
|
|
Scenario: Verify Interest Payment Waiver transaction - UC10: LP1 product, cumulative schedule, flat interest, allocation: interest-principal, interestPaymentWaiver and charge-off
|
|
When Admin sets the business date to "01 January 2024"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP1_INTEREST_FLAT | 01 January 2024 | 1000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | INTEREST_PRINCIPAL_PENALTIES_FEES_ORDER |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
When Admin makes "INTEREST_PAYMENT_WAIVER" transaction with "AUTOPAY" payment type on "01 February 2024" with 260 EUR transaction amount
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 3 | 31 | 01 April 2024 | | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 260.0 | 0.0 | 0.0 | 780.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
|
| 01 February 2024 | Interest Payment Waiver | 260.0 | 250.0 | 10.0 | 0.0 | 0.0 | 750.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "INTEREST_PAYMENT_WAIVER" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 10.0 |
|
|
| INCOME | 404000 | Interest Income | 260.0 | |
|
|
When Admin sets the business date to "02 February 2024"
|
|
And Admin does charge-off the loan on "02 February 2024"
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 3 | 31 | 01 April 2024 | | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 260.0 | 0.0 | 0.0 | 780.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
|
| 01 February 2024 | Interest Payment Waiver | 260.0 | 250.0 | 10.0 | 0.0 | 0.0 | 750.0 |
|
|
| 02 February 2024 | Accrual | 10.34 | 0.0 | 10.34 | 0.0 | 0.0 | 0.0 |
|
|
| 02 February 2024 | Charge-off | 780.0 | 750.0 | 30.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "INTEREST_PAYMENT_WAIVER" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 10.0 |
|
|
| INCOME | 404000 | Interest Income | 260.0 | |
|
|
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "02 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 750.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 30.0 |
|
|
| EXPENSE | 744007 | Credit Loss/Bad Debt | 750.0 | |
|
|
| INCOME | 404001 | Interest Income Charge Off | 30.0 | |
|
|
|
|
@TestRailId:C3151
|
|
Scenario: Verify Interest Payment Waiver transaction - UC11: LP1 product, cumulative schedule, flat interest, allocation: interest-principal, interestPaymentWaiver after charge-off
|
|
When Admin sets the business date to "01 January 2024"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP1_INTEREST_FLAT | 01 January 2024 | 1000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | INTEREST_PRINCIPAL_PENALTIES_FEES_ORDER |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
When Admin sets the business date to "15 January 2024"
|
|
And Admin does charge-off the loan on "15 January 2024"
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 2 | 29 | 01 March 2024 | | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 3 | 31 | 01 April 2024 | | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 0.0 | 0.0 | 0.0 | 1040.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
|
| 15 January 2024 | Accrual | 4.52 | 0.0 | 4.52 | 0.0 | 0.0 | 0.0 |
|
|
| 15 January 2024 | Charge-off | 1040.0 | 1000.0 | 40.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "15 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 1000.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 40.0 |
|
|
| EXPENSE | 744007 | Credit Loss/Bad Debt | 1000.0 | |
|
|
| INCOME | 404001 | Interest Income Charge Off | 40.0 | |
|
|
When Admin sets the business date to "01 February 2024"
|
|
When Admin makes "INTEREST_PAYMENT_WAIVER" transaction with "AUTOPAY" payment type on "01 February 2024" with 260 EUR transaction amount
|
|
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 260.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 500.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 3 | 31 | 01 April 2024 | | 250.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
| 4 | 30 | 01 May 2024 | | 0.0 | 250.0 | 10.0 | 0.0 | 0.0 | 260.0 | 0.0 | 0.0 | 0.0 | 260.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 40.0 | 0.0 | 0.0 | 1040.0 | 260.0 | 0.0 | 0.0 | 780.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
|
| 15 January 2024 | Accrual | 4.52 | 0.0 | 4.52 | 0.0 | 0.0 | 0.0 |
|
|
| 15 January 2024 | Charge-off | 1040.0 | 1000.0 | 40.0 | 0.0 | 0.0 | 0.0 |
|
|
| 01 February 2024 | Interest Payment Waiver | 260.0 | 250.0 | 10.0 | 0.0 | 0.0 | 750.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "15 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 1000.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 40.0 |
|
|
| EXPENSE | 744007 | Credit Loss/Bad Debt | 1000.0 | |
|
|
| INCOME | 404001 | Interest Income Charge Off | 40.0 | |
|
|
Then Loan Transactions tab has a "INTEREST_PAYMENT_WAIVER" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| INCOME | 404001 | Interest Income Charge Off | | 260.0 |
|
|
| INCOME | 404000 | Interest Income | 260.0 | |
|
|
|
|
@TestRailId:C4200
|
|
Scenario: Verify Interest Payment Waiver transaction - UC12: IPW after Charge-off - UC1
|
|
When Admin sets the business date to "23 October 2025"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL_ZERO_CHARGE_OFF | 25 October 2021 | 678.03 | 9.5129 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "25 October 2021" with "678.03" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "25 October 2021" with "678.03" EUR transaction amount
|
|
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "29 October 2021" with 10 EUR transaction amount and self-generated Idempotency key
|
|
And Customer makes "AUTOPAY" repayment on "26 August 2022" with 186.84 EUR transaction amount
|
|
And Admin does charge-off the loan on "24 September 2022"
|
|
When Admin makes "INTEREST_PAYMENT_WAIVER" transaction with "AUTOPAY" payment type on "24 September 2022" with 46.56 EUR transaction amount and self-generated external-id
|
|
Then Loan Repayment schedule has 24 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 25 October 2021 | | 678.03 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 25 November 2021 | 26 August 2022 | 652.2 | 25.83 | 5.31 | 0.0 | 0.0 | 31.14 | 31.14 | 0.01 | 31.13 | 0.0 |
|
|
| 2 | 30 | 25 December 2021 | 26 August 2022 | 626.36 | 25.84 | 5.3 | 0.0 | 0.0 | 31.14 | 31.14 | 0.0 | 31.14 | 0.0 |
|
|
| 3 | 31 | 25 January 2022 | 26 August 2022 | 600.52 | 25.84 | 5.3 | 0.0 | 0.0 | 31.14 | 31.14 | 0.0 | 31.14 | 0.0 |
|
|
| 4 | 31 | 25 February 2022 | 26 August 2022 | 574.68 | 25.84 | 5.3 | 0.0 | 0.0 | 31.14 | 31.14 | 0.0 | 31.14 | 0.0 |
|
|
| 5 | 28 | 25 March 2022 | 26 August 2022 | 548.84 | 25.84 | 5.3 | 0.0 | 0.0 | 31.14 | 31.14 | 0.0 | 31.14 | 0.0 |
|
|
| 6 | 31 | 25 April 2022 | 26 August 2022 | 523.0 | 25.84 | 5.3 | 0.0 | 0.0 | 31.14 | 31.14 | 0.0 | 31.14 | 0.0 |
|
|
| 7 | 30 | 25 May 2022 | 24 September 2022 | 497.16 | 25.84 | 5.3 | 0.0 | 0.0 | 31.14 | 31.14 | 0.0 | 31.14 | 0.0 |
|
|
| 8 | 31 | 25 June 2022 | | 471.32 | 25.84 | 5.3 | 0.0 | 0.0 | 31.14 | 15.43 | 0.0 | 15.43 | 15.71 |
|
|
| 9 | 30 | 25 July 2022 | | 445.48 | 25.84 | 5.3 | 0.0 | 0.0 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 |
|
|
| 10 | 31 | 25 August 2022 | | 419.64 | 25.84 | 5.3 | 0.0 | 0.0 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 |
|
|
| 11 | 31 | 25 September 2022 | | 392.48 | 27.16 | 3.98 | 0.0 | 0.0 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 |
|
|
| 12 | 30 | 25 October 2022 | | 361.34 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 |
|
|
| 13 | 31 | 25 November 2022 | | 330.2 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 |
|
|
| 14 | 30 | 25 December 2022 | | 299.06 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 |
|
|
| 15 | 31 | 25 January 2023 | | 267.92 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 |
|
|
| 16 | 31 | 25 February 2023 | | 236.78 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 |
|
|
| 17 | 28 | 25 March 2023 | | 205.64 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 |
|
|
| 18 | 31 | 25 April 2023 | | 174.5 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 |
|
|
| 19 | 30 | 25 May 2023 | | 143.36 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 |
|
|
| 20 | 31 | 25 June 2023 | | 112.22 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 |
|
|
| 21 | 30 | 25 July 2023 | | 81.08 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 |
|
|
| 22 | 31 | 25 August 2023 | | 49.94 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 |
|
|
| 23 | 31 | 25 September 2023 | | 18.8 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 | 0.0 | 0.0 | 0.0 | 31.14 |
|
|
| 24 | 30 | 25 October 2023 | | 0.0 | 18.8 | 0.0 | 0.0 | 0.0 | 18.8 | 10.0 | 10.0 | 0.0 | 8.8 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 678.03 | 56.99 | 0.0 | 0.0 | 735.02 | 243.41 | 10.01 | 233.40 | 491.61 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 25 October 2021 | Disbursement | 678.03 | 0.0 | 0.0 | 0.0 | 0.0 | 678.03 |
|
|
| 29 October 2021 | Merchant Issued Refund | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 668.03 |
|
|
| 29 October 2021 | Interest Refund | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 668.03 |
|
|
| 26 August 2022 | Repayment | 186.84 | 155.03 | 31.81 | 0.0 | 0.0 | 513.0 |
|
|
| 24 September 2022 | Accrual | 56.99 | 0.0 | 56.99 | 0.0 | 0.0 | 0.0 |
|
|
| 24 September 2022 | Charge-off | 538.17 | 513.0 | 25.17 | 0.0 | 0.0 | 0.0 |
|
|
| 24 September 2022 | Interest Payment Waiver | 46.56 | 35.97 | 10.59 | 0.0 | 0.0 | 477.03 |
|
|
Then In Loan Transactions all transactions have non-null external-id
|
|
And Customer makes "AUTOPAY" repayment on "24 September 2022" with 491.61 EUR transaction amount
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4204
|
|
Scenario: Verify Interest Payment Waiver transaction - UC12: IPW after Charge-off - UC2
|
|
When Admin sets the business date to "23 October 2025"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_RECALC_ZERO_CHARGE_OF_ACCRUAL | 18 January 2022 | 431.98 | 9.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "18 January 2022" with "431.98" amount and expected disbursement date on "18 January 2022"
|
|
And Admin successfully disburse the loan on "18 January 2022" with "431.98" EUR transaction amount
|
|
Then Loan Repayment schedule has 12 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 18 January 2022 | | 431.98 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 18 February 2022 | | 397.68 | 34.3 | 3.67 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 2 | 28 | 18 March 2022 | | 363.02 | 34.66 | 3.31 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 3 | 31 | 18 April 2022 | | 328.72 | 34.3 | 3.67 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 4 | 30 | 18 May 2022 | | 294.3 | 34.42 | 3.55 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 5 | 31 | 18 June 2022 | | 260.0 | 34.3 | 3.67 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 6 | 30 | 18 July 2022 | | 225.58 | 34.42 | 3.55 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 7 | 31 | 18 August 2022 | | 191.28 | 34.3 | 3.67 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 8 | 31 | 18 September 2022 | | 156.98 | 34.3 | 3.67 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 9 | 30 | 18 October 2022 | | 122.56 | 34.42 | 3.55 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 10 | 31 | 18 November 2022 | | 88.26 | 34.3 | 3.67 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 11 | 30 | 18 December 2022 | | 53.84 | 34.42 | 3.55 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 12 | 31 | 18 January 2023 | | 0.0 | 53.84 | 3.67 | 0.0 | 0.0 | 57.51 | 0.0 | 0.0 | 0.0 | 57.51 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 431.98 | 43.2 | 0.0 | 0.0 | 475.18 | 0.0 | 0.0 | 0.0 | 475.18 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 |
|
|
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "20 January 2022" with 349.99 EUR transaction amount and self-generated Idempotency key
|
|
Then Loan Repayment schedule has 12 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 18 January 2022 | | 431.98 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 18 February 2022 | 20 January 2022 | 394.25 | 37.73 | 0.24 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 2 | 28 | 18 March 2022 | 20 January 2022 | 356.28 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 3 | 31 | 18 April 2022 | 20 January 2022 | 318.31 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 4 | 30 | 18 May 2022 | 20 January 2022 | 280.34 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 5 | 31 | 18 June 2022 | 20 January 2022 | 242.37 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 6 | 30 | 18 July 2022 | 20 January 2022 | 204.4 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 7 | 31 | 18 August 2022 | 20 January 2022 | 166.43 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 8 | 31 | 18 September 2022 | 20 January 2022 | 128.46 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 9 | 30 | 18 October 2022 | 20 January 2022 | 90.49 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 10 | 31 | 18 November 2022 | | 59.31 | 31.18 | 6.79 | 0.0 | 0.0 | 37.97 | 8.46 | 8.46 | 0.0 | 29.51 |
|
|
| 11 | 30 | 18 December 2022 | | 22.01 | 37.3 | 0.67 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 12 | 31 | 18 January 2023 | | 0.0 | 22.01 | 0.7 | 0.0 | 0.0 | 22.71 | 0.0 | 0.0 | 0.0 | 22.71 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 431.98 | 8.4 | 0.0 | 0.0 | 440.38 | 350.19 | 350.19 | 0.0 | 90.19 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 February 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 February 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "28 February 2022" with 19.83 EUR transaction amount
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | false | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 March 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 March 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 18.65 | 1.18 | 0.0 | 0.0 | 43.55 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "31 March 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "31 March 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 18.65 | 1.18 | 0.0 | 0.0 | 43.55 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 18.43 | 1.4 | 0.0 | 0.0 | 43.77 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 April 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 April 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 18.65 | 1.18 | 0.0 | 0.0 | 43.55 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 18.43 | 1.4 | 0.0 | 0.0 | 43.77 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.12 | 1.71 | 0.0 | 0.0 | 44.08 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 May 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 May 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 18.65 | 1.18 | 0.0 | 0.0 | 43.55 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 18.43 | 1.4 | 0.0 | 0.0 | 43.77 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.12 | 1.71 | 0.0 | 0.0 | 44.08 | true | false |
|
|
| 18 May 2022 | Repayment | 19.83 | 17.61 | 2.22 | 0.0 | 0.0 | 44.59 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 June 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 June 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 18.65 | 1.18 | 0.0 | 0.0 | 43.55 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 18.43 | 1.4 | 0.0 | 0.0 | 43.77 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.12 | 1.71 | 0.0 | 0.0 | 44.08 | true | false |
|
|
| 18 May 2022 | Repayment | 19.83 | 17.61 | 2.22 | 0.0 | 0.0 | 44.59 | true | false |
|
|
| 18 June 2022 | Repayment | 19.83 | 17.08 | 2.75 | 0.0 | 0.0 | 45.12 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 July 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 July 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 18.65 | 1.18 | 0.0 | 0.0 | 43.55 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 18.43 | 1.4 | 0.0 | 0.0 | 43.77 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.12 | 1.71 | 0.0 | 0.0 | 44.08 | true | false |
|
|
| 18 May 2022 | Repayment | 19.83 | 17.61 | 2.22 | 0.0 | 0.0 | 44.59 | true | false |
|
|
| 18 June 2022 | Repayment | 19.83 | 17.08 | 2.75 | 0.0 | 0.0 | 45.12 | true | false |
|
|
| 18 July 2022 | Repayment | 19.83 | 16.57 | 3.26 | 0.0 | 0.0 | 45.63 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 August 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 August 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 18.65 | 1.18 | 0.0 | 0.0 | 43.55 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 18.43 | 1.4 | 0.0 | 0.0 | 43.77 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.12 | 1.71 | 0.0 | 0.0 | 44.08 | true | false |
|
|
| 18 May 2022 | Repayment | 19.83 | 17.61 | 2.22 | 0.0 | 0.0 | 44.59 | true | false |
|
|
| 18 June 2022 | Repayment | 19.83 | 17.08 | 2.75 | 0.0 | 0.0 | 45.12 | true | false |
|
|
| 18 July 2022 | Repayment | 19.83 | 16.57 | 3.26 | 0.0 | 0.0 | 45.63 | true | false |
|
|
| 18 August 2022 | Repayment | 19.83 | 16.04 | 3.79 | 0.0 | 0.0 | 46.16 | true | false |
|
|
And Admin does charge-off the loan on "16 September 2022"
|
|
When Admin makes "INTEREST_PAYMENT_WAIVER" transaction with "AUTOPAY" payment type on "16 September 2022" with 46.56 EUR transaction amount and self-generated external-id
|
|
Then Loan Repayment schedule has 12 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 18 January 2022 | | 431.98 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 18 February 2022 | 20 January 2022 | 394.25 | 37.73 | 0.24 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 2 | 28 | 18 March 2022 | 20 January 2022 | 356.28 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 3 | 31 | 18 April 2022 | 20 January 2022 | 318.31 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 4 | 30 | 18 May 2022 | 20 January 2022 | 280.34 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 5 | 31 | 18 June 2022 | 20 January 2022 | 242.37 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 6 | 30 | 18 July 2022 | 20 January 2022 | 204.4 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 7 | 31 | 18 August 2022 | 20 January 2022 | 166.43 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 8 | 31 | 18 September 2022 | 20 January 2022 | 132.74 | 33.69 | 4.28 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 9 | 30 | 18 October 2022 | 20 January 2022 | 94.77 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 10 | 31 | 18 November 2022 | 16 September 2022 | 56.8 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 11 | 30 | 18 December 2022 | | 18.83 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 36.88 | 36.88 | 0.0 | 1.09 |
|
|
| 12 | 31 | 18 January 2023 | | 0.0 | 18.83 | 0.0 | 0.0 | 0.0 | 18.83 | 0.0 | 0.0 | 0.0 | 18.83 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 431.98 | 4.52 | 0.0 | 0.0 | 436.5 | 416.58 | 416.58 | 0.0 | 19.92 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 19.83 | 0.0 | 0.0 | 0.0 | 62.2 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 18.65 | 1.18 | 0.0 | 0.0 | 43.55 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 18.43 | 1.4 | 0.0 | 0.0 | 43.77 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.12 | 1.71 | 0.0 | 0.0 | 44.08 | true | false |
|
|
| 18 May 2022 | Repayment | 19.83 | 17.61 | 2.22 | 0.0 | 0.0 | 44.59 | true | false |
|
|
| 18 June 2022 | Repayment | 19.83 | 17.08 | 2.75 | 0.0 | 0.0 | 45.12 | true | false |
|
|
| 18 July 2022 | Repayment | 19.83 | 16.57 | 3.26 | 0.0 | 0.0 | 45.63 | true | false |
|
|
| 18 August 2022 | Repayment | 19.83 | 16.04 | 3.79 | 0.0 | 0.0 | 46.16 | true | false |
|
|
| 16 September 2022 | Accrual | 4.52 | 0.0 | 4.52 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 September 2022 | Charge-off | 66.48 | 62.2 | 4.28 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 September 2022 | Interest Payment Waiver | 46.56 | 46.56 | 0.0 | 0.0 | 0.0 | 15.64 | false | false |
|
|
Then In Loan Transactions all transactions have non-null external-id
|
|
And Customer makes "AUTOPAY" repayment on "16 September 2022" with 19.92 EUR transaction amount
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4205
|
|
Scenario: Verify Interest Payment Waiver transaction - UC12: Payout Refund after Charge-off - UC3
|
|
When Admin sets the business date to "23 October 2025"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_RECALC_ZERO_CHARGE_OF_ACCRUAL | 18 January 2022 | 431.98 | 9.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "18 January 2022" with "431.98" amount and expected disbursement date on "18 January 2022"
|
|
And Admin successfully disburse the loan on "18 January 2022" with "431.98" EUR transaction amount
|
|
Then Loan Repayment schedule has 24 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 18 January 2022 | | 431.98 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 18 February 2022 | | 415.72 | 16.26 | 3.67 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 2 | 28 | 18 March 2022 | | 399.1 | 16.62 | 3.31 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 3 | 31 | 18 April 2022 | | 382.84 | 16.26 | 3.67 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 4 | 30 | 18 May 2022 | | 366.46 | 16.38 | 3.55 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 5 | 31 | 18 June 2022 | | 350.2 | 16.26 | 3.67 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 6 | 30 | 18 July 2022 | | 333.82 | 16.38 | 3.55 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 7 | 31 | 18 August 2022 | | 317.56 | 16.26 | 3.67 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 8 | 31 | 18 September 2022 | | 301.3 | 16.26 | 3.67 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 9 | 30 | 18 October 2022 | | 284.92 | 16.38 | 3.55 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 10 | 31 | 18 November 2022 | | 268.66 | 16.26 | 3.67 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 11 | 30 | 18 December 2022 | | 252.28 | 16.38 | 3.55 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 12 | 31 | 18 January 2023 | | 236.02 | 16.26 | 3.67 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 13 | 31 | 18 February 2023 | | 219.76 | 16.26 | 3.67 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 14 | 28 | 18 March 2023 | | 203.14 | 16.62 | 3.31 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 15 | 31 | 18 April 2023 | | 186.88 | 16.26 | 3.67 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 16 | 30 | 18 May 2023 | | 170.5 | 16.38 | 3.55 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 17 | 31 | 18 June 2023 | | 154.24 | 16.26 | 3.67 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 18 | 30 | 18 July 2023 | | 137.86 | 16.38 | 3.55 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 19 | 31 | 18 August 2023 | | 121.6 | 16.26 | 3.67 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 20 | 31 | 18 September 2023 | | 105.34 | 16.26 | 3.67 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 21 | 30 | 18 October 2023 | | 88.96 | 16.38 | 3.55 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 22 | 31 | 18 November 2023 | | 72.7 | 16.26 | 3.67 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 23 | 30 | 18 December 2023 | | 56.32 | 16.38 | 3.55 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 24 | 31 | 18 January 2024 | | 0.0 | 56.32 | 3.67 | 0.0 | 0.0 | 59.99 | 0.0 | 0.0 | 0.0 | 59.99 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 431.98 | 86.4 | 0.0 | 0.0 | 518.38 | 0.0 | 0.0 | 0.0 | 518.38 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 |
|
|
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "20 January 2022" with 349.99 EUR transaction amount and self-generated Idempotency key
|
|
Then Loan Repayment schedule has 24 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 18 January 2022 | | 431.98 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 18 February 2022 | 20 January 2022 | 412.29 | 19.69 | 0.24 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 2 | 28 | 18 March 2022 | 20 January 2022 | 392.36 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 3 | 31 | 18 April 2022 | 20 January 2022 | 372.43 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 4 | 30 | 18 May 2022 | 20 January 2022 | 352.5 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 5 | 31 | 18 June 2022 | 20 January 2022 | 332.57 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 6 | 30 | 18 July 2022 | 20 January 2022 | 312.64 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 7 | 31 | 18 August 2022 | 20 January 2022 | 292.71 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 8 | 31 | 18 September 2022 | 20 January 2022 | 272.78 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 9 | 30 | 18 October 2022 | 20 January 2022 | 252.85 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 10 | 31 | 18 November 2022 | 20 January 2022 | 232.92 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 11 | 30 | 18 December 2022 | 20 January 2022 | 212.99 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 12 | 31 | 18 January 2023 | 20 January 2022 | 193.06 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 13 | 31 | 18 February 2023 | 20 January 2022 | 173.13 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 14 | 28 | 18 March 2023 | 20 January 2022 | 153.2 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 15 | 31 | 18 April 2023 | 20 January 2022 | 133.27 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 16 | 30 | 18 May 2023 | 20 January 2022 | 113.34 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 17 | 31 | 18 June 2023 | 20 January 2022 | 93.41 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 18 | 30 | 18 July 2023 | | 73.48 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 11.38 | 11.38 | 0.0 | 8.55 |
|
|
| 19 | 31 | 18 August 2023 | | 66.48 | 7.0 | 12.93 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 20 | 31 | 18 September 2023 | | 47.25 | 19.23 | 0.7 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 21 | 30 | 18 October 2023 | | 27.99 | 19.26 | 0.67 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 22 | 31 | 18 November 2023 | | 8.76 | 19.23 | 0.7 | 0.0 | 0.0 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 |
|
|
| 23 | 30 | 18 December 2023 | | 0.0 | 8.76 | 0.67 | 0.0 | 0.0 | 9.43 | 0.0 | 0.0 | 0.0 | 9.43 |
|
|
| 24 | 31 | 18 January 2024 | 20 January 2022 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 431.98 | 15.91 | 0.0 | 0.0 | 447.89 | 350.19 | 350.19 | 0.0 | 97.7 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 February 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 February 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.18 | 0.65 | 0.0 | 0.0 | 62.85 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "28 February 2022" with 19.83 EUR transaction amount
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.18 | 0.65 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.96 | 0.87 | 0.0 | 0.0 | 63.07 | false | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 March 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 March 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.18 | 0.65 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.96 | 0.87 | 0.0 | 0.0 | 63.07 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 19.51 | 0.32 | 0.0 | 0.0 | 43.56 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "31 March 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "31 March 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.18 | 0.65 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.96 | 0.87 | 0.0 | 0.0 | 63.07 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 19.51 | 0.32 | 0.0 | 0.0 | 43.56 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 19.29 | 0.54 | 0.0 | 0.0 | 43.78 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 April 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 April 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.18 | 0.65 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.96 | 0.87 | 0.0 | 0.0 | 63.07 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 19.51 | 0.32 | 0.0 | 0.0 | 43.56 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 19.29 | 0.54 | 0.0 | 0.0 | 43.78 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.97 | 0.86 | 0.0 | 0.0 | 44.1 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 May 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 May 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.18 | 0.65 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.96 | 0.87 | 0.0 | 0.0 | 63.07 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 19.51 | 0.32 | 0.0 | 0.0 | 43.56 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 19.29 | 0.54 | 0.0 | 0.0 | 43.78 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.97 | 0.86 | 0.0 | 0.0 | 44.1 | true | false |
|
|
| 18 May 2022 | Repayment | 19.83 | 18.45 | 1.38 | 0.0 | 0.0 | 44.62 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 June 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 June 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.18 | 0.65 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.96 | 0.87 | 0.0 | 0.0 | 63.07 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 19.51 | 0.32 | 0.0 | 0.0 | 43.56 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 19.29 | 0.54 | 0.0 | 0.0 | 43.78 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.97 | 0.86 | 0.0 | 0.0 | 44.1 | true | false |
|
|
| 18 May 2022 | Repayment | 19.83 | 18.45 | 1.38 | 0.0 | 0.0 | 44.62 | true | false |
|
|
| 18 June 2022 | Repayment | 19.83 | 17.91 | 1.92 | 0.0 | 0.0 | 45.16 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 July 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 July 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.18 | 0.65 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.96 | 0.87 | 0.0 | 0.0 | 63.07 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 19.51 | 0.32 | 0.0 | 0.0 | 43.56 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 19.29 | 0.54 | 0.0 | 0.0 | 43.78 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.97 | 0.86 | 0.0 | 0.0 | 44.1 | true | false |
|
|
| 18 May 2022 | Repayment | 19.83 | 18.45 | 1.38 | 0.0 | 0.0 | 44.62 | true | false |
|
|
| 18 June 2022 | Repayment | 19.83 | 17.91 | 1.92 | 0.0 | 0.0 | 45.16 | true | false |
|
|
| 18 July 2022 | Repayment | 19.83 | 17.39 | 2.44 | 0.0 | 0.0 | 45.68 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 August 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 August 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.18 | 0.65 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.96 | 0.87 | 0.0 | 0.0 | 63.07 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 19.51 | 0.32 | 0.0 | 0.0 | 43.56 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 19.29 | 0.54 | 0.0 | 0.0 | 43.78 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.97 | 0.86 | 0.0 | 0.0 | 44.1 | true | false |
|
|
| 18 May 2022 | Repayment | 19.83 | 18.45 | 1.38 | 0.0 | 0.0 | 44.62 | true | false |
|
|
| 18 June 2022 | Repayment | 19.83 | 17.91 | 1.92 | 0.0 | 0.0 | 45.16 | true | false |
|
|
| 18 July 2022 | Repayment | 19.83 | 17.39 | 2.44 | 0.0 | 0.0 | 45.68 | true | false |
|
|
| 18 August 2022 | Repayment | 19.83 | 16.85 | 2.98 | 0.0 | 0.0 | 46.22 | true | false |
|
|
And Admin does charge-off the loan on "16 September 2022"
|
|
When Admin makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "16 September 2022" with 67.42 EUR transaction amount and self-generated external-id
|
|
Then Loan Repayment schedule has 24 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 18 January 2022 | | 431.98 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 18 February 2022 | 20 January 2022 | 412.29 | 19.69 | 0.24 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 2 | 28 | 18 March 2022 | 20 January 2022 | 392.36 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 3 | 31 | 18 April 2022 | 20 January 2022 | 372.43 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 4 | 30 | 18 May 2022 | 20 January 2022 | 352.5 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 5 | 31 | 18 June 2022 | 20 January 2022 | 332.57 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 6 | 30 | 18 July 2022 | 20 January 2022 | 312.64 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 7 | 31 | 18 August 2022 | 20 January 2022 | 292.71 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 8 | 31 | 18 September 2022 | 20 January 2022 | 277.13 | 15.58 | 4.35 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 9 | 30 | 18 October 2022 | 20 January 2022 | 257.2 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 10 | 31 | 18 November 2022 | 20 January 2022 | 237.27 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 11 | 30 | 18 December 2022 | 20 January 2022 | 217.34 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 12 | 31 | 18 January 2023 | 20 January 2022 | 197.41 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 13 | 31 | 18 February 2023 | 20 January 2022 | 177.48 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 14 | 28 | 18 March 2023 | 20 January 2022 | 157.55 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 15 | 31 | 18 April 2023 | 20 January 2022 | 137.62 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 16 | 30 | 18 May 2023 | 20 January 2022 | 117.69 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 17 | 31 | 18 June 2023 | 20 January 2022 | 97.76 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 18 | 30 | 18 July 2023 | 28 February 2022 | 78.7 | 19.06 | 0.87 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 19 | 31 | 18 August 2023 | 16 September 2022 | 58.77 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 20 | 31 | 18 September 2023 | 16 September 2022 | 38.84 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 21 | 30 | 18 October 2023 | 16 September 2022 | 18.91 | 19.93 | 0.0 | 0.0 | 0.0 | 19.93 | 19.93 | 19.93 | 0.0 | 0.0 |
|
|
| 22 | 31 | 18 November 2023 | 16 September 2022 | 0.0 | 18.91 | 0.0 | 0.0 | 0.0 | 18.91 | 18.91 | 18.91 | 0.0 | 0.0 |
|
|
| 23 | 30 | 18 December 2023 | 16 September 2022 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 24 | 31 | 18 January 2024 | 20 January 2022 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 431.98 | 5.46 | 0.0 | 0.0 | 437.44 | 437.44 | 437.44 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.75 | 0.24 | 0.0 | 0.0 | 82.23 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 82.03 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 19.18 | 0.65 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 18 February 2022 | Accrual Activity | 0.24 | 0.0 | 0.24 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.96 | 0.87 | 0.0 | 0.0 | 63.07 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 19.51 | 0.32 | 0.0 | 0.0 | 43.56 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 19.29 | 0.54 | 0.0 | 0.0 | 43.78 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.97 | 0.86 | 0.0 | 0.0 | 44.1 | true | false |
|
|
| 18 May 2022 | Repayment | 19.83 | 18.45 | 1.38 | 0.0 | 0.0 | 44.62 | true | false |
|
|
| 18 June 2022 | Repayment | 19.83 | 17.91 | 1.92 | 0.0 | 0.0 | 45.16 | true | false |
|
|
| 18 July 2022 | Repayment | 19.83 | 17.39 | 2.44 | 0.0 | 0.0 | 45.68 | true | false |
|
|
| 18 August 2022 | Repayment | 19.83 | 16.85 | 2.98 | 0.0 | 0.0 | 46.22 | true | false |
|
|
| 16 September 2022 | Accrual | 4.59 | 0.0 | 4.59 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 September 2022 | Charge-off | 67.42 | 63.07 | 4.35 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 September 2022 | Payout Refund | 67.42 | 67.42 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 September 2022 | Interest Refund | 4.59 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 September 2022 | Accrual Activity | 5.22 | 0.0 | 5.22 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then In Loan Transactions all transactions have non-null external-id
|
|
When Admin makes Credit Balance Refund transaction on "16 September 2022" with 4.59 EUR transaction amount
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
|
|
|
@TestRailId:C4206
|
|
Scenario: Verify Interest Payment Waiver transaction - UC12: Goodwill Credit after Charge-off - UC4
|
|
When Admin sets the business date to "23 October 2025"
|
|
And Admin creates a client with random data
|
|
When Admin creates a fully customized loan with the following data:
|
|
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
|
| LP2_ADV_CUSTOM_PMT_ALLOC_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_RECALC_ZERO_CHARGE_OFF_ACCRUAL | 18 January 2022 | 431.98 | 9.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "18 January 2022" with "431.98" amount and expected disbursement date on "18 January 2022"
|
|
And Admin successfully disburse the loan on "18 January 2022" with "431.98" EUR transaction amount
|
|
Then Loan Repayment schedule has 12 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 18 January 2022 | | 431.98 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 18 February 2022 | | 397.68 | 34.3 | 3.67 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 2 | 28 | 18 March 2022 | | 363.02 | 34.66 | 3.31 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 3 | 31 | 18 April 2022 | | 328.72 | 34.3 | 3.67 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 4 | 30 | 18 May 2022 | | 294.3 | 34.42 | 3.55 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 5 | 31 | 18 June 2022 | | 260.0 | 34.3 | 3.67 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 6 | 30 | 18 July 2022 | | 225.58 | 34.42 | 3.55 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 7 | 31 | 18 August 2022 | | 191.28 | 34.3 | 3.67 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 8 | 31 | 18 September 2022 | | 156.98 | 34.3 | 3.67 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 9 | 30 | 18 October 2022 | | 122.56 | 34.42 | 3.55 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 10 | 31 | 18 November 2022 | | 88.26 | 34.3 | 3.67 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 11 | 30 | 18 December 2022 | | 53.84 | 34.42 | 3.55 | 0.0 | 0.0 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 |
|
|
| 12 | 31 | 18 January 2023 | | 0.0 | 53.84 | 3.67 | 0.0 | 0.0 | 57.51 | 0.0 | 0.0 | 0.0 | 57.51 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 431.98 | 43.2 | 0.0 | 0.0 | 475.18 | 0.0 | 0.0 | 0.0 | 475.18 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 |
|
|
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "20 January 2022" with 349.99 EUR transaction amount and self-generated Idempotency key
|
|
Then Loan Repayment schedule has 12 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 18 January 2022 | | 431.98 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 18 February 2022 | | 394.9 | 37.08 | 0.89 | 0.0 | 0.0 | 37.97 | 29.37 | 29.37 | 0.0 | 8.6 |
|
|
| 2 | 28 | 18 March 2022 | | 357.56 | 37.34 | 0.63 | 0.0 | 0.0 | 37.97 | 29.17 | 29.17 | 0.0 | 8.8 |
|
|
| 3 | 31 | 18 April 2022 | | 320.28 | 37.28 | 0.69 | 0.0 | 0.0 | 37.97 | 29.17 | 29.17 | 0.0 | 8.8 |
|
|
| 4 | 30 | 18 May 2022 | | 282.98 | 37.3 | 0.67 | 0.0 | 0.0 | 37.97 | 29.17 | 29.17 | 0.0 | 8.8 |
|
|
| 5 | 31 | 18 June 2022 | | 245.7 | 37.28 | 0.69 | 0.0 | 0.0 | 37.97 | 29.17 | 29.17 | 0.0 | 8.8 |
|
|
| 6 | 30 | 18 July 2022 | | 208.4 | 37.3 | 0.67 | 0.0 | 0.0 | 37.97 | 29.17 | 29.17 | 0.0 | 8.8 |
|
|
| 7 | 31 | 18 August 2022 | | 171.12 | 37.28 | 0.69 | 0.0 | 0.0 | 37.97 | 29.17 | 29.17 | 0.0 | 8.8 |
|
|
| 8 | 31 | 18 September 2022 | | 133.84 | 37.28 | 0.69 | 0.0 | 0.0 | 37.97 | 29.17 | 29.17 | 0.0 | 8.8 |
|
|
| 9 | 30 | 18 October 2022 | | 96.54 | 37.3 | 0.67 | 0.0 | 0.0 | 37.97 | 29.17 | 29.17 | 0.0 | 8.8 |
|
|
| 10 | 31 | 18 November 2022 | | 58.29 | 38.25 | 0.69 | 0.0 | 0.0 | 38.94 | 29.17 | 29.17 | 0.0 | 9.77 |
|
|
| 11 | 30 | 18 December 2022 | 20 January 2022 | 29.12 | 29.17 | 0.0 | 0.0 | 0.0 | 29.17 | 29.17 | 29.17 | 0.0 | 0.0 |
|
|
| 12 | 31 | 18 January 2023 | 20 January 2022 | 0.0 | 29.12 | 0.0 | 0.0 | 0.0 | 29.12 | 29.12 | 29.12 | 0.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 431.98 | 6.98 | 0.0 | 0.0 | 438.96 | 350.19 | 350.19 | 0.0 | 88.77 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.99 | 0.0 | 0.0 | 0.0 | 81.99 |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 81.79 |
|
|
And Customer makes "AUTOPAY" repayment on "18 February 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 February 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.99 | 0.0 | 0.0 | 0.0 | 81.99 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 81.79 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 18.94 | 0.89 | 0.0 | 0.0 | 62.85 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "28 February 2022" with 19.83 EUR transaction amount
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.99 | 0.0 | 0.0 | 0.0 | 81.99 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 81.79 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 18.94 | 0.89 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.72 | 1.11 | 0.0 | 0.0 | 63.07 | false | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 March 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 March 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.99 | 0.0 | 0.0 | 0.0 | 81.99 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 81.79 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 18.94 | 0.89 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.72 | 1.11 | 0.0 | 0.0 | 63.07 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 19.52 | 0.31 | 0.0 | 0.0 | 43.55 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "31 March 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "31 March 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.99 | 0.0 | 0.0 | 0.0 | 81.99 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 81.79 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 18.94 | 0.89 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.72 | 1.11 | 0.0 | 0.0 | 63.07 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 19.52 | 0.31 | 0.0 | 0.0 | 43.55 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 19.3 | 0.53 | 0.0 | 0.0 | 43.77 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 April 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 April 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.99 | 0.0 | 0.0 | 0.0 | 81.99 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 81.79 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 18.94 | 0.89 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.72 | 1.11 | 0.0 | 0.0 | 63.07 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 19.52 | 0.31 | 0.0 | 0.0 | 43.55 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 19.3 | 0.53 | 0.0 | 0.0 | 43.77 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.98 | 0.85 | 0.0 | 0.0 | 44.09 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 May 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 May 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.99 | 0.0 | 0.0 | 0.0 | 81.99 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 81.79 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 18.94 | 0.89 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.72 | 1.11 | 0.0 | 0.0 | 63.07 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 19.52 | 0.31 | 0.0 | 0.0 | 43.55 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 19.3 | 0.53 | 0.0 | 0.0 | 43.77 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.98 | 0.85 | 0.0 | 0.0 | 44.09 | true | false |
|
|
| 18 May 2022 | Repayment | 19.83 | 18.46 | 1.37 | 0.0 | 0.0 | 44.61 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 June 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 June 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.99 | 0.0 | 0.0 | 0.0 | 81.99 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 81.79 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 18.94 | 0.89 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.72 | 1.11 | 0.0 | 0.0 | 63.07 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 19.52 | 0.31 | 0.0 | 0.0 | 43.55 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 19.3 | 0.53 | 0.0 | 0.0 | 43.77 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.98 | 0.85 | 0.0 | 0.0 | 44.09 | true | false |
|
|
| 18 May 2022 | Repayment | 19.83 | 18.46 | 1.37 | 0.0 | 0.0 | 44.61 | true | false |
|
|
| 18 June 2022 | Repayment | 19.83 | 18.46 | 1.37 | 0.0 | 0.0 | 44.61 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 July 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 July 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.99 | 0.0 | 0.0 | 0.0 | 81.99 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 81.79 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 18.94 | 0.89 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.72 | 1.11 | 0.0 | 0.0 | 63.07 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 19.52 | 0.31 | 0.0 | 0.0 | 43.55 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 19.3 | 0.53 | 0.0 | 0.0 | 43.77 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.98 | 0.85 | 0.0 | 0.0 | 44.09 | true | false |
|
|
| 18 May 2022 | Repayment | 19.83 | 18.46 | 1.37 | 0.0 | 0.0 | 44.61 | true | false |
|
|
| 18 June 2022 | Repayment | 19.83 | 18.46 | 1.37 | 0.0 | 0.0 | 44.61 | true | false |
|
|
| 18 July 2022 | Repayment | 19.83 | 18.46 | 1.37 | 0.0 | 0.0 | 44.61 | true | false |
|
|
And Customer makes "AUTOPAY" repayment on "18 August 2022" with 19.83 EUR transaction amount
|
|
When Customer undo "1"th "Repayment" transaction made on "18 August 2022"
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.99 | 0.0 | 0.0 | 0.0 | 81.99 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 81.79 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 18.94 | 0.89 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.72 | 1.11 | 0.0 | 0.0 | 63.07 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 19.52 | 0.31 | 0.0 | 0.0 | 43.55 | true | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 19.3 | 0.53 | 0.0 | 0.0 | 43.77 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.98 | 0.85 | 0.0 | 0.0 | 44.09 | true | false |
|
|
| 18 May 2022 | Repayment | 19.83 | 18.46 | 1.37 | 0.0 | 0.0 | 44.61 | true | false |
|
|
| 18 June 2022 | Repayment | 19.83 | 18.46 | 1.37 | 0.0 | 0.0 | 44.61 | true | false |
|
|
| 18 July 2022 | Repayment | 19.83 | 18.46 | 1.37 | 0.0 | 0.0 | 44.61 | true | false |
|
|
| 18 August 2022 | Repayment | 19.83 | 18.46 | 1.37 | 0.0 | 0.0 | 44.61 | true | false |
|
|
And Admin does charge-off the loan on "16 September 2022"
|
|
When Admin makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "16 September 2022" with 66.54 EUR transaction amount and self-generated external-id
|
|
Then Loan Repayment schedule has 12 periods, with the following data for periods:
|
|
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 18 January 2022 | | 431.98 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 18 February 2022 | 28 February 2022 | 394.9 | 37.08 | 0.89 | 0.0 | 0.0 | 37.97 | 37.97 | 29.37 | 8.6 | 0.0 |
|
|
| 2 | 28 | 18 March 2022 | 28 February 2022 | 357.15 | 37.75 | 0.22 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 3 | 31 | 18 April 2022 | 16 September 2022 | 320.03 | 37.12 | 0.85 | 0.0 | 0.0 | 37.97 | 37.97 | 31.6 | 6.37 | 0.0 |
|
|
| 4 | 30 | 18 May 2022 | 16 September 2022 | 282.58 | 37.45 | 0.52 | 0.0 | 0.0 | 37.97 | 37.97 | 29.17 | 8.8 | 0.0 |
|
|
| 5 | 31 | 18 June 2022 | 16 September 2022 | 245.15 | 37.43 | 0.54 | 0.0 | 0.0 | 37.97 | 37.97 | 29.17 | 8.8 | 0.0 |
|
|
| 6 | 30 | 18 July 2022 | 16 September 2022 | 207.7 | 37.45 | 0.52 | 0.0 | 0.0 | 37.97 | 37.97 | 29.17 | 8.8 | 0.0 |
|
|
| 7 | 31 | 18 August 2022 | 16 September 2022 | 170.27 | 37.43 | 0.54 | 0.0 | 0.0 | 37.97 | 37.97 | 29.17 | 8.8 | 0.0 |
|
|
| 8 | 31 | 18 September 2022 | 16 September 2022 | 132.8 | 37.47 | 0.5 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 9 | 30 | 18 October 2022 | 16 September 2022 | 94.83 | 37.97 | 0.0 | 0.0 | 0.0 | 37.97 | 37.97 | 37.97 | 0.0 | 0.0 |
|
|
| 10 | 31 | 18 November 2022 | 16 September 2022 | 58.29 | 36.54 | 0.0 | 0.0 | 0.0 | 36.54 | 36.54 | 36.54 | 0.0 | 0.0 |
|
|
| 11 | 30 | 18 December 2022 | 20 January 2022 | 29.12 | 29.17 | 0.0 | 0.0 | 0.0 | 29.17 | 29.17 | 29.17 | 0.0 | 0.0 |
|
|
| 12 | 31 | 18 January 2023 | 20 January 2022 | 0.0 | 29.12 | 0.0 | 0.0 | 0.0 | 29.12 | 29.12 | 29.12 | 0.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 431.98 | 4.58 | 0.0 | 0.0 | 436.56 | 436.56 | 386.39 | 50.17 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 18 January 2022 | Disbursement | 431.98 | 0.0 | 0.0 | 0.0 | 0.0 | 431.98 | false | false |
|
|
| 20 January 2022 | Merchant Issued Refund | 349.99 | 349.99 | 0.0 | 0.0 | 0.0 | 81.99 | false | false |
|
|
| 20 January 2022 | Interest Refund | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 81.79 | false | false |
|
|
| 18 February 2022 | Repayment | 19.83 | 18.94 | 0.89 | 0.0 | 0.0 | 62.85 | true | false |
|
|
| 18 February 2022 | Accrual Activity | 0.89 | 0.0 | 0.89 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 February 2022 | Repayment | 19.83 | 18.72 | 1.11 | 0.0 | 0.0 | 63.07 | false | false |
|
|
| 18 March 2022 | Repayment | 19.83 | 19.52 | 0.31 | 0.0 | 0.0 | 43.55 | true | false |
|
|
| 18 March 2022 | Accrual Activity | 0.22 | 0.0 | 0.22 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 31 March 2022 | Repayment | 19.83 | 19.3 | 0.53 | 0.0 | 0.0 | 43.77 | true | false |
|
|
| 18 April 2022 | Repayment | 19.83 | 18.98 | 0.85 | 0.0 | 0.0 | 44.09 | true | false |
|
|
| 18 April 2022 | Accrual Activity | 0.85 | 0.0 | 0.85 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 May 2022 | Repayment | 19.83 | 18.46 | 1.37 | 0.0 | 0.0 | 44.61 | true | false |
|
|
| 18 May 2022 | Accrual Activity | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 June 2022 | Repayment | 19.83 | 18.46 | 1.37 | 0.0 | 0.0 | 44.61 | true | false |
|
|
| 18 June 2022 | Accrual Activity | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 July 2022 | Repayment | 19.83 | 18.46 | 1.37 | 0.0 | 0.0 | 44.61 | true | false |
|
|
| 18 July 2022 | Accrual Activity | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 August 2022 | Repayment | 19.83 | 18.46 | 1.37 | 0.0 | 0.0 | 44.61 | true | false |
|
|
| 18 August 2022 | Accrual Activity | 0.54 | 0.0 | 0.54 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 September 2022 | Accrual | 4.58 | 0.0 | 4.58 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 September 2022 | Charge-off | 66.54 | 63.07 | 3.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 September 2022 | Goodwill Credit | 66.54 | 63.07 | 3.47 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 September 2022 | Accrual Activity | 0.5 | 0.0 | 0.5 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then In Loan Transactions all transactions have non-null external-id
|
|
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|