10584 lines
1.3 MiB
Plaintext
10584 lines
1.3 MiB
Plaintext
@LoanReAgingFeature
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Feature: LoanReAging
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@TestRailId:C3050 @AdvancedPaymentAllocation
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Scenario: Verify that Loan re-aging transaction happy path works properly
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When Admin sets the business date to "01 January 2024"
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When Admin creates a client with random data
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When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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When Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
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When Admin successfully disburse the loan on "01 January 2024" with "1000" 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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When Admin sets the business date to "20 February 2024"
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When Admin runs inline COB job for Loan
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Then Admin checks that delinquency range is: "RANGE_30" and has delinquentDate "2024-01-19"
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When Admin creates a Loan re-aging transaction with the following data:
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| frequencyNumber | frequencyType | startDate | numberOfInstallments |
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| 1 | MONTHS | 01 March 2024 | 6 |
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Then Loan Repayment schedule has 10 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 3 | 15 | 31 January 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 4 | 15 | 15 February 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 5 | 15 | 01 March 2024 | | 625.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
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| 6 | 31 | 01 April 2024 | | 500.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
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| 7 | 30 | 01 May 2024 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
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| 8 | 31 | 01 June 2024 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
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| 9 | 30 | 01 July 2024 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
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| 10 | 31 | 01 August 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
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| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
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| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
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| 20 February 2024 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
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Then Admin checks that delinquency range is: "NO_DELINQUENCY" and has delinquentDate ""
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When Loan Pay-off is made on "20 February 2024"
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Then Loan is closed with zero outstanding balance and it's all installments have obligations met
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@TestRailId:C3051 @AdvancedPaymentAllocation
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Scenario: Verify that Loan re-aging transaction made by Loan external ID happy path works properly
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When Admin sets the business date to "01 January 2024"
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When Admin creates a client with random data
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When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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When Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
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When Admin successfully disburse the loan on "01 January 2024" with "1000" 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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When Admin sets the business date to "20 February 2024"
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When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
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| frequencyNumber | frequencyType | startDate | numberOfInstallments |
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| 30 | DAYS | 10 March 2024 | 2 |
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Then Loan Repayment schedule has 6 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 3 | 15 | 31 January 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 4 | 15 | 15 February 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 5 | 24 | 10 March 2024 | | 375.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 |
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| 6 | 30 | 09 April 2024 | | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
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| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
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| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
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| 20 February 2024 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
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When Loan Pay-off is made on "20 February 2024"
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Then Loan is closed with zero outstanding balance and it's all installments have obligations met
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@TestRailId:C3052 @AdvancedPaymentAllocation
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Scenario: Verify that Loan re-aging transaction undo works properly
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When Admin sets the business date to "01 January 2024"
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When Admin creates a client with random data
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When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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When Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
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When Admin successfully disburse the loan on "01 January 2024" with "1000" 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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When Admin sets the business date to "20 February 2024"
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When Admin runs inline COB job for Loan
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Then Admin checks that delinquency range is: "RANGE_30" and has delinquentDate "2024-01-19"
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When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
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| frequencyNumber | frequencyType | startDate | numberOfInstallments |
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| 1 | DAYS | 10 March 2024 | 1 |
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When Admin sets the business date to "25 February 2024"
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Then Loan Repayment schedule has 5 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 3 | 15 | 31 January 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 4 | 15 | 15 February 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 5 | 24 | 10 March 2024 | | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
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| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
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| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
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| 20 February 2024 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
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Then Admin checks that delinquency range is: "NO_DELINQUENCY" and has delinquentDate ""
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When Admin successfully undo Loan re-aging transaction
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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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
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| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
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| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
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| 20 February 2024 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
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Then Admin checks that delinquency range is: "RANGE_30" and has delinquentDate "2024-01-19"
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When Loan Pay-off is made on "20 February 2024"
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Then Loan is closed with zero outstanding balance and it's all installments have obligations met
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@TestRailId:C3053 @AdvancedPaymentAllocation
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Scenario: Verify that Loan re-aging transaction works properly when chargeback happens after re-aging
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When Admin sets the business date to "01 January 2024"
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When Admin creates a client with random data
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When Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
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When Admin successfully disburse the loan on "01 January 2024" with "1000" 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 | 0 | 01 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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When Admin sets the business date to "20 February 2024"
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When Admin runs inline COB job for Loan
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Then Admin checks that delinquency range is: "RANGE_30" and has delinquentDate "2024-01-04"
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And Customer makes "AUTOPAY" repayment on "01 January 2024" with 250 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
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| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
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| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
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When Admin sets the business date to "21 February 2024"
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When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
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| frequencyNumber | frequencyType | startDate | numberOfInstallments |
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| 2 | MONTHS | 10 March 2024 | 3 |
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Then Loan Repayment schedule has 7 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 15 | 16 January 2024 | 21 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 3 | 15 | 31 January 2024 | 21 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 4 | 15 | 15 February 2024 | 21 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 5 | 24 | 10 March 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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| 6 | 61 | 10 May 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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| 7 | 61 | 10 July 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
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| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
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| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
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| 21 February 2024 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
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When Admin sets the business date to "25 February 2024"
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When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount
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Then Loan Repayment schedule has 7 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 21 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 21 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 21 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 24 | 10 March 2024 | | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
||
| 6 | 61 | 10 May 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 7 | 61 | 10 July 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1250.0 | 0.0 | 0.0 | 0.0 | 1250.0 | 250.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 21 February 2024 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
| 25 February 2024 | Chargeback | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
|
||
When Loan Pay-off is made on "25 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C3054 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging transaction - reverse-replay scenario 1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
When Admin runs inline COB job for Loan
|
||
When Admin sets the business date to "01 February 2024"
|
||
When Admin runs inline COB job for Loan
|
||
When Admin sets the business date to "27 February 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 6 |
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 250 EUR transaction amount
|
||
When Admin successfully undo Loan re-aging transaction
|
||
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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 01 February 2024 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 500.0 | 0.0 | 250.0 | 500.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 01 February 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
|
||
| 27 February 2024 | Re-age | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
|
||
|
||
When Loan Pay-off is made on "27 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C3055 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging transaction - reverse-replay scenario 2
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
When Admin runs inline COB job for Loan
|
||
When Admin sets the business date to "01 February 2024"
|
||
When Admin runs inline COB job for Loan
|
||
When Admin sets the business date to "27 February 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 6 |
|
||
When Customer undo "1"th "Down Payment" transaction made on "01 January 2024"
|
||
When Admin successfully undo Loan re-aging transaction
|
||
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 | 0 | 01 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | true |
|
||
| 27 February 2024 | Re-age | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
|
||
|
||
When Loan Pay-off is made on "27 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C3056 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction - chargeback before maturity and prior to re-aging
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 January 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
When Admin sets the business date to "02 February 2024"
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 02 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 0.0 | 1125.0 | 250.0 | 0.0 | 0.0 | 875.0 |
|
||
When Admin sets the business date to "21 February 2024"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 2 | MONTHS | 10 March 2024 | 3 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 21 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 21 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 21 February 2024 | 875.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 24 | 10 March 2024 | | 583.33 | 291.67 | 0.0 | 0.0 | 0.0 | 291.67 | 0.0 | 0.0 | 0.0 | 291.67 |
|
||
| 6 | 61 | 10 May 2024 | | 291.66 | 291.67 | 0.0 | 0.0 | 0.0 | 291.67 | 0.0 | 0.0 | 0.0 | 291.67 |
|
||
| 7 | 61 | 10 July 2024 | | 0.0 | 291.66 | 0.0 | 0.0 | 0.0 | 291.66 | 0.0 | 0.0 | 0.0 | 291.66 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 02 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
| 21 February 2024 | Re-age | 875.0 | 875.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "21 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C3057 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction - chargeback after maturity date and prior to re-aging
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 January 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
When Admin sets the business date to "20 February 2024"
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 5 | 5 | 20 February 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 20 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 0.0 | 1125.0 | 250.0 | 0.0 | 0.0 | 875.0 |
|
||
When Admin sets the business date to "21 February 2024"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 2 | MONTHS | 10 March 2024 | 3 |
|
||
Then Loan Repayment schedule has 8 periods, with 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 21 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 21 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 21 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 5 | 20 February 2024 | 21 February 2024 | 875.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 6 | 19 | 10 March 2024 | | 583.33 | 291.67 | 0.0 | 0.0 | 0.0 | 291.67 | 0.0 | 0.0 | 0.0 | 291.67 |
|
||
| 7 | 61 | 10 May 2024 | | 291.66 | 291.67 | 0.0 | 0.0 | 0.0 | 291.67 | 0.0 | 0.0 | 0.0 | 291.67 |
|
||
| 8 | 61 | 10 July 2024 | | 0.0 | 291.66 | 0.0 | 0.0 | 0.0 | 291.66 | 0.0 | 0.0 | 0.0 | 291.66 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 20 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
| 21 February 2024 | Re-age | 875.0 | 875.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "21 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C3058 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction - chargeback after maturity date and prior to re-aging with charge N+1 installment
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 January 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
When Admin sets the business date to "26 February 2024"
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount
|
||
When Admin adds "LOAN_NSF_FEE" due date charge with "26 February 2024" due date and 20 EUR transaction amount
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 5 | 11 | 26 February 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 20.0 | 145.0 | 0.0 | 0.0 | 0.0 | 145.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 26 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 20.0 | 1145.0 | 250.0 | 0.0 | 0.0 | 895.0 |
|
||
When Admin sets the business date to "27 February 2024"
|
||
When Admin makes a charge adjustment for the last "LOAN_NSF_FEE" type charge which is due on "26 February 2024" with 20 EUR transaction amount and externalId ""
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 2 | MONTHS | 10 March 2024 | 3 |
|
||
Then Loan Repayment schedule has 8 periods, with 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 27 February 2024 | 730.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 20.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 27 February 2024 | 730.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 27 February 2024 | 730.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 11 | 26 February 2024 | | 855.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
|
||
| 6 | 13 | 10 March 2024 | | 570.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 |
|
||
| 7 | 61 | 10 May 2024 | | 285.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 |
|
||
| 8 | 61 | 10 July 2024 | | 0.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 26 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
| 27 February 2024 | Charge Adjustment | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 855.0 | false |
|
||
| 27 February 2024 | Re-age | 855.0 | 855.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 20.0 | 1145.0 | 270.0 | 0.0 | 20.0 | 875.0 |
|
||
|
||
When Loan Pay-off is made on "27 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C3059 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging transaction - partial principal payment scenario + undo re-ageing
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 3 | 15 | 31 January 2024 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
When Admin sets the business date to "16 January 2024"
|
||
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 50 EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 50.0 | 0.0 | 0.0 | 75.0 |
|
||
| 3 | 15 | 31 January 2024 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
|
||
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false |
|
||
| 16 January 2024 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 325.0 | false |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 175.0 | 0.0 | 0.0 | 325.0 |
|
||
When Admin sets the business date to "27 February 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 6 |
|
||
Then Loan Repayment schedule has 10 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 27 February 2024 | 325.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 27 February 2024 | 325.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 27 February 2024 | 325.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 15 | 01 March 2024 | | 271.0 | 54.0 | 0.0 | 0.0 | 0.0 | 54.0 | 0.0 | 0.0 | 0.0 | 54.0 |
|
||
| 6 | 31 | 01 April 2024 | | 217.0 | 54.0 | 0.0 | 0.0 | 0.0 | 54.0 | 0.0 | 0.0 | 0.0 | 54.0 |
|
||
| 7 | 30 | 01 May 2024 | | 163.0 | 54.0 | 0.0 | 0.0 | 0.0 | 54.0 | 0.0 | 0.0 | 0.0 | 54.0 |
|
||
| 8 | 31 | 01 June 2024 | | 109.0 | 54.0 | 0.0 | 0.0 | 0.0 | 54.0 | 0.0 | 0.0 | 0.0 | 54.0 |
|
||
| 9 | 30 | 01 July 2024 | | 55.0 | 54.0 | 0.0 | 0.0 | 0.0 | 54.0 | 0.0 | 0.0 | 0.0 | 54.0 |
|
||
| 10 | 31 | 01 August 2024 | | 0.0 | 55.0 | 0.0 | 0.0 | 0.0 | 55.0 | 0.0 | 0.0 | 0.0 | 55.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
|
||
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false |
|
||
| 16 January 2024 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 325.0 | false |
|
||
| 27 February 2024 | Re-age | 325.0 | 325.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
When Admin sets the business date to "29 February 2024"
|
||
When Admin successfully undo Loan re-aging transaction
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 50.0 | 0.0 | 0.0 | 75.0 |
|
||
| 3 | 15 | 31 January 2024 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
|
||
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false |
|
||
| 16 January 2024 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 325.0 | false |
|
||
| 27 February 2024 | Re-age | 325.0 | 325.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
|
||
|
||
When Loan Pay-off is made on "29 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C3091 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-age transaction - Event check
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
||
When Admin sets the business date to "27 February 2024"
|
||
When Admin runs inline COB job for Loan
|
||
Then LoanDelinquencyRangeChangeBusinessEvent is created
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 6 |
|
||
Then LoanDelinquencyRangeChangeBusinessEvent is created
|
||
Then LoanReAgeBusinessEvent is created
|
||
|
||
When Loan Pay-off is made on "27 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C3107 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging transaction reverse-replay - UC1: undo old repayment
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
||
When Admin sets the business date to "16 January 2024"
|
||
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 125 EUR transaction amount
|
||
# --- Re-aging transaction ---
|
||
When Admin sets the business date to "20 February 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 2 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 16 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 20 February 2024 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 20 February 2024 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 15 | 01 March 2024 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 6 | 31 | 01 April 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 250.0 | 0.0 | 0.0 | 250.0 |
|
||
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 | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
||
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false | false |
|
||
| 16 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
|
||
| 20 February 2024 | Re-age | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Undo repayment ---
|
||
When Admin sets the business date to "25 February 2024"
|
||
When Customer undo "1"th "Repayment" transaction made on "16 January 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 20 February 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 20 February 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 20 February 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 15 | 01 March 2024 | | 187.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
|
||
| 6 | 31 | 01 April 2024 | | 0.0 | 187.0 | 0.0 | 0.0 | 0.0 | 187.0 | 0.0 | 0.0 | 0.0 | 187.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 125.0 | 0.0 | 0.0 | 375.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
||
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false | false |
|
||
| 16 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 | true | false |
|
||
| 20 February 2024 | Re-age | 375.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
|
||
|
||
When Loan Pay-off is made on "25 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C3108 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging transaction reverse-replay - UC2: backdated repayment
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
||
# --- Re-aging transaction ---
|
||
When Admin sets the business date to "20 February 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 2 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 20 February 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 20 February 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 20 February 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 15 | 01 March 2024 | | 187.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
|
||
| 6 | 31 | 01 April 2024 | | 0.0 | 187.0 | 0.0 | 0.0 | 0.0 | 187.0 | 0.0 | 0.0 | 0.0 | 187.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 125.0 | 0.0 | 0.0 | 375.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
||
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false | false |
|
||
| 20 February 2024 | Re-age | 375.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Backdated repayment ---
|
||
When Admin sets the business date to "25 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 125 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 16 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 20 February 2024 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 20 February 2024 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 15 | 01 March 2024 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 6 | 31 | 01 April 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 250.0 | 0.0 | 0.0 | 250.0 |
|
||
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 | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
||
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false | false |
|
||
| 16 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
|
||
| 20 February 2024 | Re-age | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
|
||
|
||
When Loan Pay-off is made on "25 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C3109 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging transaction reverse-replay - UC3: backdated disbursement
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
||
# --- Re-aging transaction ---
|
||
When Admin sets the business date to "20 February 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 2 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 20 February 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 20 February 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 20 February 2024 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 15 | 01 March 2024 | | 187.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
|
||
| 6 | 31 | 01 April 2024 | | 0.0 | 187.0 | 0.0 | 0.0 | 0.0 | 187.0 | 0.0 | 0.0 | 0.0 | 187.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 125.0 | 0.0 | 0.0 | 375.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
||
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false | false |
|
||
| 20 February 2024 | Re-age | 375.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Backdated disbursement ---
|
||
When Admin sets the business date to "25 February 2024"
|
||
When Admin successfully disburse the loan on "16 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 20 February 2024 | 350.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
||
| | | 16 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 3 | 0 | 16 January 2024 | 20 February 2024 | 450.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 31 January 2024 | 20 February 2024 | 450.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 15 | 15 February 2024 | 20 February 2024 | 450.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 6 | 15 | 01 March 2024 | | 225.0 | 225.0 | 0.0 | 0.0 | 0.0 | 225.0 | 0.0 | 0.0 | 0.0 | 225.0 |
|
||
| 7 | 31 | 01 April 2024 | | 0.0 | 225.0 | 0.0 | 0.0 | 0.0 | 225.0 | 0.0 | 0.0 | 0.0 | 225.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 600.0 | 0.0 | 0.0 | 0.0 | 600.0 | 150.0 | 0.0 | 0.0 | 450.0 |
|
||
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 | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
||
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false | false |
|
||
| 16 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 475.0 | false | false |
|
||
| 16 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 450.0 | false | false |
|
||
| 20 February 2024 | Re-age | 450.0 | 450.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
|
||
|
||
When Loan Pay-off is made on "25 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C3110 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging transaction reverse-replay - UC4: backdated charge
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
||
When Admin sets the business date to "16 January 2024"
|
||
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 145 EUR transaction amount
|
||
# --- Re-aging transaction ---
|
||
When Admin sets the business date to "20 February 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 2 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 16 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 20 February 2024 | 230.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 20.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 20 February 2024 | 230.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 15 | 01 March 2024 | | 115.0 | 115.0 | 0.0 | 0.0 | 0.0 | 115.0 | 0.0 | 0.0 | 0.0 | 115.0 |
|
||
| 6 | 31 | 01 April 2024 | | 0.0 | 115.0 | 0.0 | 0.0 | 0.0 | 115.0 | 0.0 | 0.0 | 0.0 | 115.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 270.0 | 20.0 | 0.0 | 230.0 |
|
||
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 | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
||
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false | false |
|
||
| 16 January 2024 | Repayment | 145.0 | 145.0 | 0.0 | 0.0 | 0.0 | 230.0 | false | false |
|
||
| 20 February 2024 | Re-age | 230.0 | 230.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Backdated charge ---
|
||
When Admin sets the business date to "25 February 2024"
|
||
When Admin adds "LOAN_NSF_FEE" due date charge with "15 January 2024" due date and 20 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 16 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 20.0 | 145.0 | 145.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 20 February 2024 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 20 February 2024 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 15 | 01 March 2024 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 6 | 31 | 01 April 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 500.0 | 0.0 | 0.0 | 20.0 | 520.0 | 270.0 | 0.0 | 0.0 | 250.0 |
|
||
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 | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
|
||
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false | false |
|
||
| 16 January 2024 | Repayment | 145.0 | 125.0 | 0.0 | 0.0 | 20.0 | 250.0 | false | true |
|
||
| 20 February 2024 | Re-age | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
|
||
|
||
When Loan Pay-off is made on "25 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4036 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction made by Loan external ID with undo and additional re-age trn at the same date works properly - UC1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
When Admin sets the business date to "20 February 2024"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 30 | DAYS | 10 March 2024 | 2 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 24 | 10 March 2024 | | 375.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
||
| 6 | 30 | 09 April 2024 | | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
|
||
| 20 February 2024 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
||
#-- undo re-aging transaction ---#
|
||
When Admin successfully undo Loan re-aging transaction
|
||
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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
|
||
| 20 February 2024 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
|
||
Then Admin checks that delinquency range is: "RANGE_30" and has delinquentDate "2024-01-19"
|
||
# --- make re-age transaction again ---#
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 30 | DAYS | 10 March 2024 | 2 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 24 | 10 March 2024 | | 375.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
||
| 6 | 30 | 09 April 2024 | | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
|
||
| 20 February 2024 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
|
||
| 20 February 2024 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
When Loan Pay-off is made on "20 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4037 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging transaction - reverse-replay scenario with undo and re-age trn again at the same date - UC2
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
When Admin runs inline COB job for Loan
|
||
When Admin sets the business date to "01 February 2024"
|
||
When Admin runs inline COB job for Loan
|
||
When Admin sets the business date to "27 February 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 3 |
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 250 EUR transaction amount
|
||
# --- undo re-aging transaction --- #
|
||
When Admin successfully undo Loan re-aging transaction
|
||
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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 01 February 2024 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 500.0 | 0.0 | 250.0 | 500.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 01 February 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
|
||
| 27 February 2024 | Re-age | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
|
||
# --- make re-age transaction again ---#
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 3 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 01 February 2024 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 27 February 2024 | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 27 February 2024 | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 15 | 01 March 2024 | | 333.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 6 | 31 | 01 April 2024 | | 166.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 7 | 30 | 01 May 2024 | | 0.0 | 166.0 | 0.0 | 0.0 | 0.0 | 166.0 | 0.0 | 0.0 | 0.0 | 166.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 500.0 | 0.0 | 250.0 | 500.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 01 February 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
|
||
| 27 February 2024 | Re-age | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
|
||
| 27 February 2024 | Re-age | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "01 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4038 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction - chargeback before maturity and prior to re-aging - with undo and re-age trn again at the same date - UC3
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 January 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
When Admin sets the business date to "02 February 2024"
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 0.0 | 1125.0 | 250.0 | 0.0 | 0.0 | 875.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 02 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
When Admin sets the business date to "21 February 2024"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 2 | MONTHS | 10 March 2024 | 3 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 21 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 21 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 21 February 2024 | 875.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 24 | 10 March 2024 | | 583.33 | 291.67 | 0.0 | 0.0 | 0.0 | 291.67 | 0.0 | 0.0 | 0.0 | 291.67 |
|
||
| 6 | 61 | 10 May 2024 | | 291.66 | 291.67 | 0.0 | 0.0 | 0.0 | 291.67 | 0.0 | 0.0 | 0.0 | 291.67 |
|
||
| 7 | 61 | 10 July 2024 | | 0.0 | 291.66 | 0.0 | 0.0 | 0.0 | 291.66 | 0.0 | 0.0 | 0.0 | 291.66 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 02 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
| 21 February 2024 | Re-age | 875.0 | 875.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
# --- undo re-aging transaction --- #
|
||
When Admin successfully undo Loan re-aging transaction
|
||
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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 0.0 | 1125.0 | 250.0 | 0.0 | 0.0 | 875.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 02 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
| 21 February 2024 | Re-age | 875.0 | 875.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
|
||
# --- make re-age transaction again --- #
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 2 | MONTHS | 10 March 2024 | 3 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 21 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 21 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 21 February 2024 | 875.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 24 | 10 March 2024 | | 583.33 | 291.67 | 0.0 | 0.0 | 0.0 | 291.67 | 0.0 | 0.0 | 0.0 | 291.67 |
|
||
| 6 | 61 | 10 May 2024 | | 291.66 | 291.67 | 0.0 | 0.0 | 0.0 | 291.67 | 0.0 | 0.0 | 0.0 | 291.67 |
|
||
| 7 | 61 | 10 July 2024 | | 0.0 | 291.66 | 0.0 | 0.0 | 0.0 | 291.66 | 0.0 | 0.0 | 0.0 | 291.66 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 0.0 | 1125.0 | 250.0 | 0.0 | 0.0 | 875.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 02 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
| 21 February 2024 | Re-age | 875.0 | 875.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
|
||
| 21 February 2024 | Re-age | 875.0 | 875.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "21 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4039 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction - chargeback after maturity date and prior to re-aging with charge N+1 installment - with undo and re-age trn again at the same date - UC4
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 January 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
When Admin sets the business date to "26 February 2024"
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount
|
||
When Admin adds "LOAN_NSF_FEE" due date charge with "26 February 2024" due date and 20 EUR transaction amount
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 5 | 11 | 26 February 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 20.0 | 145.0 | 0.0 | 0.0 | 0.0 | 145.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 20.0 | 1145.0 | 250.0 | 0.0 | 0.0 | 895.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 26 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
When Admin sets the business date to "27 February 2024"
|
||
When Admin makes a charge adjustment for the last "LOAN_NSF_FEE" type charge which is due on "26 February 2024" with 20 EUR transaction amount and externalId ""
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 2 | MONTHS | 10 March 2024 | 3 |
|
||
Then Loan Repayment schedule has 8 periods, with 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 27 February 2024 | 730.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 20.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 27 February 2024 | 730.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 27 February 2024 | 730.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 11 | 26 February 2024 | | 855.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
|
||
| 6 | 13 | 10 March 2024 | | 570.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 |
|
||
| 7 | 61 | 10 May 2024 | | 285.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 |
|
||
| 8 | 61 | 10 July 2024 | | 0.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 20.0 | 1145.0 | 270.0 | 0.0 | 20.0 | 875.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 26 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
| 27 February 2024 | Charge Adjustment | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 855.0 | false |
|
||
| 27 February 2024 | Re-age | 855.0 | 855.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
# --- undo re-aging transaction --- #
|
||
When Admin successfully undo Loan re-aging transaction
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 20.0 | 0.0 | 20.0 | 230.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 5 | 11 | 26 February 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 20.0 | 145.0 | 0.0 | 0.0 | 0.0 | 145.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 20.0 | 1145.0 | 270.0 | 0.0 | 20.0 | 875.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 26 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
| 27 February 2024 | Charge Adjustment | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 855.0 | false |
|
||
| 27 February 2024 | Re-age | 855.0 | 855.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
|
||
# --- make re-age transaction again --- #
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 2 | MONTHS | 10 March 2024 | 3 |
|
||
Then Loan Repayment schedule has 8 periods, with 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 27 February 2024 | 730.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 20.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 27 February 2024 | 730.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 27 February 2024 | 730.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 11 | 26 February 2024 | | 855.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
|
||
| 6 | 13 | 10 March 2024 | | 570.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 |
|
||
| 7 | 61 | 10 May 2024 | | 285.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 |
|
||
| 8 | 61 | 10 July 2024 | | 0.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 | 0.0 | 0.0 | 0.0 | 285.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 20.0 | 1145.0 | 270.0 | 0.0 | 20.0 | 875.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 26 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
| 27 February 2024 | Charge Adjustment | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 855.0 | false |
|
||
| 27 February 2024 | Re-age | 855.0 | 855.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
|
||
| 27 February 2024 | Re-age | 855.0 | 855.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "27 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4044 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction - with charge N+1 installment after maturity date prior to re-aging - UC1
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- add charge a month later --- #
|
||
When Admin sets the business date to "3 May 2025"
|
||
And Admin adds "LOAN_NSF_FEE" due date charge with "3 May 2025" due date and 10 EUR transaction amount
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 5 | 32 | 03 May 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 10.0 | 1010.0 | 0.0 | 0.0 | 0.0 | 1010.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 03 May 2025 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
# --- add re-aging trn with start date as maturity date --- #
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | WEEKS | 01 April 2025 | 1 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 April 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2025 | 01 April 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 28 | 01 March 2025 | 01 April 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 31 | 01 April 2025 | 01 April 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 01 April 2025 | | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
| 6 | 32 | 03 May 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 10.0 | 1010.0 | 0.0 | 0.0 | 0.0 | 1010.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 April 2025 | Re-age | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 03 May 2025 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
|
||
When Loan Pay-off is made on "03 May 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4045 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with backdated repayment and charge - N+1 installment after maturity date prior to re-aging - UC2
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- add charge a month later --- #
|
||
When Admin sets the business date to "3 May 2025"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2025" with 250 EUR transaction amount
|
||
And Admin adds "LOAN_NSF_FEE" due date charge with "3 May 2025" due date and 10 EUR transaction amount
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 March 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0| 0.0 | 250.0| 0.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 5 | 32 | 03 May 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 10.0 | 1010.0 | 250.0 | 0.0 | 250.0 | 760.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 March 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 03 May 2025 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
# --- add re-aging trn with start date as maturity date --- #
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | WEEKS | 01 April 2025 | 1 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 March 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 28 | 01 March 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 31 | 01 April 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 01 April 2025 | | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 |
|
||
| 6 | 32 | 03 May 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 10.0 | 1010.0 | 250.0 | 0.0 | 250.0 | 760.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 March 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 01 April 2025 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 03 May 2025 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
|
||
When Loan Pay-off is made on "03 May 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4046 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with downpayment, payoff and charge - N+1 installment after maturity date prior to re-aging - UC3
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 January 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2025 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
# --- add charge a month later --- #
|
||
When Admin sets the business date to "20 March 2025"
|
||
When Loan Pay-off is made on "20 March 2025"
|
||
And Admin adds "LOAN_NSF_FEE" due date charge with "20 March 2025" due date and 10 EUR transaction amount
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 January 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2025 | 20 March 2025 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2025 | 20 March 2025 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2025 | 20 March 2025 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 5 | 33 | 20 March 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 10.0 | 1010.0 | 1000.0 | 0.0 | 750.0 | 10.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2025 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 20 March 2025 | Repayment | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 20 March 2025 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
# --- add re-aging trn with start date as maturity date --- #
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | WEEKS | 15 February 2025 | 1 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 January 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2025 | 15 February 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2025 | 15 February 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2025 | 15 February 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 15 February 2025 | 20 March 2025 | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 | 750.0 | 0.0 | 750.0 | 0.0 |
|
||
| 6 | 33 | 20 March 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 10.0 | 1010.0 | 1000.0 | 0.0 | 750.0 | 10.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2025 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 20 March 2025 | Repayment | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
| 15 February 2025 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 20 March 2025 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
|
||
When Loan Pay-off is made on "20 March 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4047 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with backdated repayment and chargeback - N+1 installment after maturity date prior to re-aging - UC4
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- add charge a month later --- #
|
||
When Admin sets the business date to "3 May 2025"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2025" with 250 EUR transaction amount
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 March 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0| 0.0 | 250.0| 0.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 5 | 32 | 03 May 2025 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 0.0 | 1125.0 | 250.0 | 0.0 | 250.0| 875.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 March 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 03 May 2025 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
# --- add re-aging trn with start date as maturity date --- #
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | WEEKS | 01 April 2025 | 1 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 March 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 28 | 01 March 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 31 | 01 April 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 01 April 2025 | | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 |
|
||
| 6 | 32 | 03 May 2025 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 0.0 | 1125.0 | 250.0 | 0.0 | 250.0| 875.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 March 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 03 May 2025 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
| 01 April 2025 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "03 May 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4048 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with repayment, chargeback and charge - N+1 installment after maturity date prior to re-aging - UC5
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- add charge a month later --- #
|
||
When Admin sets the business date to "3 May 2025"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2025" with 250 EUR transaction amount
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount
|
||
And Admin adds "LOAN_NSF_FEE" due date charge with "3 May 2025" due date and 10 EUR transaction amount
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 March 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0| 0.0 | 250.0| 0.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 5 | 32 | 03 May 2025 | | 0.0 | 125.0 | 0.0 | 0.0 | 10.0 | 135.0 | 0.0 | 0.0 | 0.0 | 135.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 10.0 | 1135.0 | 250.0 | 0.0 | 250.0| 885.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 March 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 03 May 2025 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 03 May 2025 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
# --- add re-aging trn with start date as maturity date --- #
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | WEEKS | 01 April 2025 | 1 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 March 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 28 | 01 March 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 31 | 01 April 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 01 April 2025 | | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 |
|
||
| 6 | 32 | 03 May 2025 | | 0.0 | 125.0 | 0.0 | 0.0 | 10.0 | 135.0 | 0.0 | 0.0 | 0.0 | 135.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 10.0 | 1135.0 | 250.0 | 0.0 | 250.0 | 885.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 March 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 03 May 2025 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
| 01 April 2025 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 03 May 2025 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
|
||
When Loan Pay-off is made on "03 May 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4049 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with repayment, charge and charge adjustment - N+1 installment after maturity date prior to re-aging - UC6
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- add charge a month later --- #
|
||
When Admin sets the business date to "3 May 2025"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2025" with 250 EUR transaction amount
|
||
And Admin adds "LOAN_NSF_FEE" due date charge with "03 May 2025" due date and 20 EUR transaction amount
|
||
When Admin sets the business date to "04 May 2025"
|
||
When Admin makes a charge adjustment for the last "LOAN_NSF_FEE" type charge which is due on "03 May 2025" with 20 EUR transaction amount and externalId ""
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 March 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0| 0.0 | 250.0| 0.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 20.0 | 0.0 | 20.0 | 230.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 5 | 32 | 03 May 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 270.0 | 0.0 | 270.0| 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 March 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 04 May 2025 | Charge Adjustment | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 730.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 03 May 2025 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
|
||
# --- add re-aging trn with start date as maturity date --- #
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | WEEKS | 01 April 2025 | 1 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 March 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 28 | 01 March 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 31 | 01 April 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 01 April 2025 | | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 | 20.0 | 0.0 | 20.0 | 730.0 |
|
||
| 6 | 32 | 03 May 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 270.0 | 0.0 | 270.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 March 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 04 May 2025 | Charge Adjustment | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 730.0 | false |
|
||
| 01 April 2025 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 03 May 2025 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
|
||
|
||
When Loan Pay-off is made on "03 May 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4050 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with MIR and charge - N+1 installment after maturity date prior to re-aging - UC7
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- add charge a month later --- #
|
||
When Admin sets the business date to "03 May 2025"
|
||
When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "01 April 2025" with 100 EUR transaction amount
|
||
And Admin adds "LOAN_NSF_FEE" due date charge with "03 May 2025" due date and 20 EUR transaction amount
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 100.0| 0.0 | 100.0| 150.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 5 | 32 | 03 May 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 100.0 | 0.0 | 100.0 | 920.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 April 2025 | Merchant Issued Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 03 May 2025 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
|
||
# --- add re-aging trn with start date as maturity date --- #
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | WEEKS | 01 April 2025 | 1 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 April 2025 | 900.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 100.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2025 | 01 April 2025 | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 28 | 01 March 2025 | 01 April 2025 | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 31 | 01 April 2025 | 01 April 2025 | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 01 April 2025 | | 0.0 | 900.0 | 0.0 | 0.0 | 0.0 | 900.0 | 0.0 | 0.0 | 0.0 | 900.0 |
|
||
| 6 | 32 | 03 May 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 100.0 | 0.0 | 100.0 | 920.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 April 2025 | Merchant Issued Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
|
||
| 01 April 2025 | Re-age | 900.0 | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 03 May 2025 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
|
||
|
||
When Loan Pay-off is made on "03 May 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4051 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with 2nd disbursement and charge - N+1 installment after maturity date prior to re-aging - UC8
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "500" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "500" 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 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 2 | 31 | 01 February 2025 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 3 | 28 | 01 March 2025 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
|
||
# --- backdated disbursement --- #
|
||
When Admin sets the business date to "01 May 2025"
|
||
When Admin successfully disburse the loan on "16 January 2025" with "100" EUR transaction amount
|
||
# --- add charge a month later after maturity date --- #
|
||
And Admin adds "LOAN_NSF_FEE" due date charge with "01 May 2025" due date and 20 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| | | 16 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 2 | 0 | 16 January 2025 | | 450.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
||
| 3 | 31 | 01 February 2025 | | 300.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
|
||
| 4 | 28 | 01 March 2025 | | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
|
||
| 5 | 31 | 01 April 2025 | | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
|
||
| 6 | 30 | 01 May 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 600.0 | 0.0 | 0.0 | 20.0 | 620.0 | 0.0 | 0.0 | 0.0 | 620.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
|
||
| 16 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 600.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 01 May 2025 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
|
||
# --- add re-aging trn with start date as maturity date --- #
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | WEEKS | 01 April 2025 | 1 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 April 2025 | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| | | 16 January 2025 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 2 | 0 | 16 January 2025 | 01 April 2025 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 16 | 01 February 2025 | 01 April 2025 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 28 | 01 March 2025 | 01 April 2025 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 31 | 01 April 2025 | 01 April 2025 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 6 | 0 | 01 April 2025 | | 0.0 | 600.0 | 0.0 | 0.0 | 0.0 | 600.0 | 0.0 | 0.0 | 0.0 | 600.0 |
|
||
| 7 | 30 | 01 May 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 600.0 | 0.0 | 0.0 | 20.0 | 620.0 | 0.0 | 0.0 | 0.0 | 620.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
|
||
| 16 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 600.0 | false |
|
||
| 01 April 2025 | Re-age | 600.0 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 01 May 2025 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
|
||
|
||
When Loan Pay-off is made on "01 May 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4066 @AdvancedPaymentAllocation
|
||
Scenario: Verify merging re-aging transaction with N+1 installment in the same bucket(YEARS)
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 100 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
When Admin sets the business date to "05 April 2024"
|
||
And Admin adds "LOAN_SNOOZE_FEE" due date charge with "03 May 2024" due date and 100 EUR transaction amount
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | YEARS | 01 April 2024 | 3 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2024 | 01 April 2024 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 29 | 01 March 2024 | 01 April 2024 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 31 | 01 April 2024 | 01 April 2024 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 01 April 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
||
| 6 | 365 | 01 April 2025 | | 25.0 | 25.0 | 0.0 | 100.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 7 | 365 | 01 April 2026 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
||
|
||
When Loan Pay-off is made on "05 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4067 @AdvancedPaymentAllocation
|
||
Scenario: Verify merging re-aging transaction with N+1 installment in the same bucket(MONTHS)
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 100 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
When Admin sets the business date to "05 April 2024"
|
||
And Admin adds "LOAN_SNOOZE_FEE" due date charge with "03 May 2024" due date and 100 EUR transaction amount
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 3 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2024 | 01 April 2024 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 29 | 01 March 2024 | 01 April 2024 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 31 | 01 April 2024 | 01 April 2024 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 01 April 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
||
| 6 | 30 | 01 May 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
||
| 7 | 31 | 01 June 2024 | | 0.0 | 25.0 | 0.0 | 100.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
|
||
When Loan Pay-off is made on "05 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4068 @AdvancedPaymentAllocation
|
||
Scenario: Verify merging re-aging transaction with N+1 installment in the same bucket(WEEKS)
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 100 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
When Admin sets the business date to "05 April 2024"
|
||
And Admin adds "LOAN_SNOOZE_FEE" due date charge with "09 April 2024" due date and 100 EUR transaction amount
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | WEEKS | 01 April 2024 | 3 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2024 | 01 April 2024 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 29 | 01 March 2024 | 01 April 2024 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 31 | 01 April 2024 | 01 April 2024 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 01 April 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
||
| 6 | 7 | 08 April 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
||
| 7 | 7 | 15 April 2024 | | 0.0 | 25.0 | 0.0 | 100.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
|
||
When Loan Pay-off is made on "05 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4069 @AdvancedPaymentAllocation
|
||
Scenario: Verify merging re-aging transaction with N+1 installment in the same bucket(DAYS)
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 100 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
When Admin sets the business date to "05 April 2024"
|
||
And Admin adds "LOAN_SNOOZE_FEE" due date charge with "03 April 2024" due date and 100 EUR transaction amount
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | DAYS | 01 April 2024 | 3 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2024 | 01 April 2024 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 29 | 01 March 2024 | 01 April 2024 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 31 | 01 April 2024 | 01 April 2024 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 01 April 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
||
| 6 | 1 | 02 April 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
||
| 7 | 1 | 03 April 2024 | | 0.0 | 25.0 | 0.0 | 100.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
|
||
When Loan Pay-off is made on "05 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4070 @AdvancedPaymentAllocation
|
||
Scenario: Verify re-aging transaction with N+1 installment outside bucket
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 100 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
When Admin sets the business date to "05 April 2024"
|
||
And Admin adds "LOAN_SNOOZE_FEE" due date charge with "03 July 2024" due date and 100 EUR transaction amount
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 3 |
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2024 | 01 April 2024 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 29 | 01 March 2024 | 01 April 2024 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 31 | 01 April 2024 | 01 April 2024 | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 01 April 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
||
| 6 | 30 | 01 May 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
||
| 7 | 31 | 01 June 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
||
| 8 | 32 | 03 July 2024 | | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
|
||
When Loan Pay-off is made on "05 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4071 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with backdated repayment and chargeback - N+1 installment after maturity date overlaps with re-aging - UC1
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- add charge a month later --- #
|
||
When Admin sets the business date to "3 May 2025"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2025" with 250 EUR transaction amount
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 March 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0| 0.0 | 250.0| 0.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 5 | 32 | 03 May 2025 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 0.0 | 1125.0 | 250.0 | 0.0 | 250.0| 875.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 March 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 03 May 2025 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
# --- add re-aging trn with start date as maturity date --- #
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | WEEKS | 01 April 2025 | 6 |
|
||
Then Loan Repayment schedule has 10 periods, with 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 March 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 28 | 01 March 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 31 | 01 April 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 01 April 2025 | | 625.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 6 | 7 | 08 April 2025 | | 500.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 7 | 7 | 15 April 2025 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 8 | 7 | 22 April 2025 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 9 | 7 | 29 April 2025 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 10 | 7 | 06 May 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 0.0 | 1125.0 | 250.0 | 0.0 | 250.0| 875.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 March 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 03 May 2025 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
| 01 April 2025 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "03 May 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4072 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with repayment, chargeback and charge - N+1 installment after maturity date overlaps with re-aging - UC2
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- add charge a month later --- #
|
||
When Admin sets the business date to "3 May 2025"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2025" with 250 EUR transaction amount
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount
|
||
And Admin adds "LOAN_NSF_FEE" due date charge with "3 May 2025" due date and 10 EUR transaction amount
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 March 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0| 0.0 | 250.0| 0.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 5 | 32 | 03 May 2025 | | 0.0 | 125.0 | 0.0 | 0.0 | 10.0 | 135.0 | 0.0 | 0.0 | 0.0 | 135.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 10.0 | 1135.0 | 250.0 | 0.0 | 250.0| 885.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 March 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 03 May 2025 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 03 May 2025 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
# --- add re-aging trn with start date as maturity date --- #
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2025 | 3 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 March 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 28 | 01 March 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 31 | 01 April 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 01 April 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 6 | 30 | 01 May 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 7 | 31 | 01 June 2025 | | 0.0 | 375.0 | 0.0 | 0.0 | 10.0 | 385.0 | 0.0 | 0.0 | 0.0 | 385.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1125.0 | 0.0 | 0.0 | 10.0 | 1135.0 | 250.0 | 0.0 | 250.0| 885.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 March 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 03 May 2025 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 875.0 | false |
|
||
| 01 April 2025 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 03 May 2025 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
|
||
When Loan Pay-off is made on "03 May 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4073 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with repayment, charge and charge adjustment - N+1 installment after maturity date overlaps with re-aging - UC3
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- add charge a month later --- #
|
||
When Admin sets the business date to "3 May 2025"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2025" with 250 EUR transaction amount
|
||
And Admin adds "LOAN_NSF_FEE" due date charge with "03 May 2025" due date and 20 EUR transaction amount
|
||
When Admin sets the business date to "04 May 2025"
|
||
When Admin makes a charge adjustment for the last "LOAN_NSF_FEE" type charge which is due on "03 May 2025" with 20 EUR transaction amount and externalId ""
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 March 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0| 0.0 | 250.0| 0.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 20.0 | 0.0 | 20.0 | 230.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 5 | 32 | 03 May 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 270.0 | 0.0 | 270.0| 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 March 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 04 May 2025 | Charge Adjustment | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 730.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 03 May 2025 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
|
||
# --- add re-aging trn with start date as maturity date --- #
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 20 | DAYS | 01 April 2025 | 4 |
|
||
Then Loan Repayment schedule has 8 periods, with 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 March 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 28 | 01 March 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 31 | 01 April 2025 | 01 April 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 01 April 2025 | | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 20.0 | 0.0 | 20.0 | 167.5 |
|
||
| 6 | 20 | 21 April 2025 | | 375.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
|
||
| 7 | 20 | 11 May 2025 | | 187.5 | 187.5 | 0.0 | 0.0 | 20.0 | 207.5 | 0.0 | 0.0 | 0.0 | 207.5 |
|
||
| 8 | 20 | 31 May 2025 | | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 270.0 | 0.0 | 270.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 March 2025 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 04 May 2025 | Charge Adjustment | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 730.0 | false |
|
||
| 01 April 2025 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 03 May 2025 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
|
||
|
||
When Loan Pay-off is made on "04 May 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4074 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with MIR and charge - N+1 installment after maturity date overlaps with re-aging - UC4
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- add charge a month later --- #
|
||
When Admin sets the business date to "03 May 2025"
|
||
When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "01 April 2025" with 100 EUR transaction amount
|
||
And Admin adds "LOAN_NSF_FEE" due date charge with "03 May 2025" due date and 20 EUR transaction amount
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 100.0| 0.0 | 100.0| 150.0 |
|
||
| 2 | 31 | 01 February 2025 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 5 | 32 | 03 May 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 100.0 | 0.0 | 100.0 | 920.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 April 2025 | Merchant Issued Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 03 May 2025 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
|
||
# --- add re-aging trn with start date as maturity date --- #
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2025 | 4 |
|
||
Then Loan Repayment schedule has 8 periods, with 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 April 2025 | 900.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 100.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2025 | 01 April 2025 | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 28 | 01 March 2025 | 01 April 2025 | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 31 | 01 April 2025 | 01 April 2025 | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 01 April 2025 | | 675.0 | 225.0 | 0.0 | 0.0 | 0.0 | 225.0 | 0.0 | 0.0 | 0.0 | 225.0 |
|
||
| 6 | 30 | 01 May 2025 | | 450.0 | 225.0 | 0.0 | 0.0 | 0.0 | 225.0 | 0.0 | 0.0 | 0.0 | 225.0 |
|
||
| 7 | 31 | 01 June 2025 | | 225.0 | 225.0 | 0.0 | 0.0 | 20.0 | 245.0 | 0.0 | 0.0 | 0.0 | 245.0 |
|
||
| 8 | 30 | 01 July 2025 | | 0.0 | 225.0 | 0.0 | 0.0 | 0.0 | 225.0 | 0.0 | 0.0 | 0.0 | 225.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 100.0 | 0.0 | 100.0 | 920.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 April 2025 | Merchant Issued Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
|
||
| 01 April 2025 | Re-age | 900.0 | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 03 May 2025 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
|
||
|
||
When Loan Pay-off is made on "03 May 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4055 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction - before maturity date and merges the corresponding normal installments - UC1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 February 2024 | | 625.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 3 | 29 | 01 March 2024 | | 500.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 4 | 31 | 01 April 2024 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 5 | 30 | 01 May 2024 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 6 | 31 | 01 June 2024 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 7 | 30 | 01 July 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
|
||
When Admin sets the business date to "09 March 2024"
|
||
When Admin creates a Loan re-aging preview by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 15 March 2024 | 6 |
|
||
Then Loan Re-Aged Repayment schedule preview has 10 periods, with 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 | 0.0 | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 29 | 01 March 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 8 | 09 March 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 6 | 15 March 2024 | | 833.33 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 6 | 31 | 15 April 2024 | | 666.66 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 7 | 30 | 15 May 2024 | | 499.99 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 8 | 31 | 15 June 2024 | | 333.32 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 9 | 30 | 15 July 2024 | | 166.65 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 10 | 31 | 15 August 2024 | | 0.0 | 166.65 | 0.0 | 0.0 | 0.0 | 166.65 | 0.0 | 0.0 | 0.0 | 166.65 |
|
||
Then Loan Re-Aged Repayment schedule preview has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 15 March 2024 | 6 |
|
||
Then Loan Repayment schedule has 10 periods, with 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 | 0 | 01 January 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 29 | 01 March 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 8 | 09 March 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 6 | 15 March 2024 | | 833.33 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 6 | 31 | 15 April 2024 | | 666.66 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 7 | 30 | 15 May 2024 | | 499.99 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 8 | 31 | 15 June 2024 | | 333.32 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 9 | 30 | 15 July 2024 | | 166.65 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 10 | 31 | 15 August 2024 | | 0.0 | 166.65 | 0.0 | 0.0 | 0.0 | 166.65 | 0.0 | 0.0 | 0.0 | 166.65 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 09 March 2024 | Re-age | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "09 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4056 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction - before maturity date and removes additional normal installments - UC2
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 February 2024 | | 625.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 3 | 29 | 01 March 2024 | | 500.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 4 | 31 | 01 April 2024 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 5 | 30 | 01 May 2024 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 6 | 31 | 01 June 2024 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 7 | 30 | 01 July 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
When Admin sets the business date to "09 March 2024"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 15 March 2024 | 1 |
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 29 | 01 March 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 8 | 09 March 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 6 | 15 March 2024 | | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 09 March 2024 | Re-age | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "09 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4057 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with repayment and chargeback - before maturity date and merges the corresponding normal installments - UC3
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP1_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 2 | 28 | 01 March 2025 | | 666.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 3 | 31 | 01 April 2025 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 4 | 30 | 01 May 2025 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 5 | 31 | 01 June 2025 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- add repayment and chargeback --- #
|
||
When Admin sets the business date to "03 February 2025"
|
||
And Customer makes "AUTOPAY" repayment on "03 February 2025" with 167 EUR transaction amount
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 100 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | 03 February 2025 | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 167.0 | 0.0 | 167.0 | 0.0 |
|
||
| 2 | 28 | 01 March 2025 | | 666.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 |
|
||
| 3 | 31 | 01 April 2025 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 4 | 30 | 01 May 2025 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 5 | 31 | 01 June 2025 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1100.0 | 0.0 | 0.0 | 0.0 | 1100.0 | 167.0 | 0.0 | 167.0 | 933.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 03 February 2025 | Repayment | 167.0 | 167.0 | 0.0 | 0.0 | 0.0 | 833.0 | false |
|
||
| 03 February 2025 | Chargeback | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 933.0 | false |
|
||
|
||
When Admin creates a Loan re-aging preview by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 15 February 2025 | 6 |
|
||
Then Loan Re-Aged Repayment schedule preview has 8 periods, with 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 2025 | | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | 03 February 2025 | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 167.0 | 0.0 | 167.0 | 0.0 |
|
||
| 2 | 2 | 03 February 2025 | 03 February 2025 | 833.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 12 | 15 February 2025 | | 777.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 |
|
||
| 4 | 28 | 15 March 2025 | | 621.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 |
|
||
| 5 | 31 | 15 April 2025 | | 465.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 |
|
||
| 6 | 30 | 15 May 2025 | | 309.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 |
|
||
| 7 | 31 | 15 June 2025 | | 153.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 |
|
||
| 8 | 30 | 15 July 2025 | | 0.0 | 153.0 | 0.0 | 0.0 | 0.0 | 153.0 | 0.0 | 0.0 | 0.0 | 153.0 |
|
||
Then Loan Re-Aged Repayment schedule preview has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1100.0 | 0.0 | 0.0 | 0.0 | 1100.0 | 167.0 | 0.0 | 167.0 | 933.0 |
|
||
|
||
# --- re-age loan on 2nd installment ---#
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 15 February 2025 | 6 |
|
||
Then Loan Repayment schedule has 8 periods, with 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | 03 February 2025 | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 167.0 | 0.0 | 167.0 | 0.0 |
|
||
| 2 | 2 | 03 February 2025 | 03 February 2025 | 833.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 12 | 15 February 2025 | | 777.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 |
|
||
| 4 | 28 | 15 March 2025 | | 621.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 |
|
||
| 5 | 31 | 15 April 2025 | | 465.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 |
|
||
| 6 | 30 | 15 May 2025 | | 309.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 |
|
||
| 7 | 31 | 15 June 2025 | | 153.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 | 0.0 | 0.0 | 0.0 | 156.0 |
|
||
| 8 | 30 | 15 July 2025 | | 0.0 | 153.0 | 0.0 | 0.0 | 0.0 | 153.0 | 0.0 | 0.0 | 0.0 | 153.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1100.0 | 0.0 | 0.0 | 0.0 | 1100.0 | 167.0 | 0.0 | 167.0 | 933.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 03 February 2025 | Repayment | 167.0 | 167.0 | 0.0 | 0.0 | 0.0 | 833.0 | false |
|
||
| 03 February 2025 | Chargeback | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 933.0 | false |
|
||
| 03 February 2025 | Re-age | 933.0 | 933.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "03 February 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4058 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with repayment and chargeback - before maturity date and removes additional installments - UC4
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP1_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 2 | 28 | 01 March 2025 | | 666.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 3 | 31 | 01 April 2025 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 4 | 30 | 01 May 2025 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 5 | 31 | 01 June 2025 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- add repayment and chargeback --- #
|
||
When Admin sets the business date to "03 February 2025"
|
||
And Customer makes "AUTOPAY" repayment on "03 February 2025" with 167 EUR transaction amount
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 100 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | 03 February 2025 | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 167.0 | 0.0 | 167.0 | 0.0 |
|
||
| 2 | 28 | 01 March 2025 | | 666.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 |
|
||
| 3 | 31 | 01 April 2025 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 4 | 30 | 01 May 2025 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 5 | 31 | 01 June 2025 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1100.0 | 0.0 | 0.0 | 0.0 | 1100.0 | 167.0 | 0.0 | 167.0 | 933.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 03 February 2025 | Repayment | 167.0 | 167.0 | 0.0 | 0.0 | 0.0 | 833.0 | false |
|
||
| 03 February 2025 | Chargeback | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 933.0 | false |
|
||
|
||
When Admin creates a Loan re-aging preview by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 15 February 2025 | 1 |
|
||
Then Loan Re-Aged Repayment schedule preview has 3 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | 03 February 2025 | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 167.0 | 0.0 | 167.0 | 0.0 |
|
||
| 2 | 2 | 03 February 2025 | 03 February 2025 | 833.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 12 | 15 February 2025 | | 0.0 | 933.0 | 0.0 | 0.0 | 0.0 | 933.0 | 0.0 | 0.0 | 0.0 | 933.0 |
|
||
Then Loan Re-Aged Repayment schedule preview has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1100.0 | 0.0 | 0.0 | 0.0 | 1100.0 | 167.0 | 0.0 | 167.0 | 933.0 |
|
||
|
||
# --- re-age loan on 2nd installment ---#
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 15 February 2025 | 1 |
|
||
Then Loan Repayment schedule has 3 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | 03 February 2025 | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 167.0 | 0.0 | 167.0 | 0.0 |
|
||
| 2 | 2 | 03 February 2025 | 03 February 2025 | 833.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 12 | 15 February 2025 | | 0.0 | 933.0 | 0.0 | 0.0 | 0.0 | 933.0 | 0.0 | 0.0 | 0.0 | 933.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1100.0 | 0.0 | 0.0 | 0.0 | 1100.0 | 167.0 | 0.0 | 167.0 | 933.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 03 February 2025 | Repayment | 167.0 | 167.0 | 0.0 | 0.0 | 0.0 | 833.0 | false |
|
||
| 03 February 2025 | Chargeback | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 933.0 | false |
|
||
| 03 February 2025 | Re-age | 933.0 | 933.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "03 February 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4059 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with downdpayment - before maturity date and removes additional installments - UC5
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 January 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2025 | | 625.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 3 | 28 | 01 March 2025 | | 500.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 4 | 31 | 01 April 2025 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 5 | 30 | 01 May 2025 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 6 | 31 | 01 June 2025 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 7 | 30 | 01 July 2025 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2025 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
# --- re-age loan on 2nd installment ---#
|
||
When Admin sets the business date to "15 February 2025"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2025 | 2 |
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 January 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2025 | 15 February 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 February 2025 | 15 February 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 14 | 01 March 2025 | | 375.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
||
| 5 | 31 | 01 April 2025 | | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2025 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 15 February 2025 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "15 February 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@Skip
|
||
@TestRailId:C4060 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with multiple disbursements: 2nd disb after re-aging - before maturity date and removes additional installments - UC6
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP1_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 2 | 28 | 01 March 2025 | | 666.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 3 | 31 | 01 April 2025 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 4 | 30 | 01 May 2025 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 5 | 31 | 01 June 2025 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- add 2nd disbursement --- #
|
||
When Admin sets the business date to "10 February 2025"
|
||
When Admin successfully disburse the loan on "10 February 2025" with "500" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| | | 10 February 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 2 | 28 | 01 March 2025 | | 1066.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 |
|
||
| 3 | 31 | 01 April 2025 | | 799.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 |
|
||
| 4 | 30 | 01 May 2025 | | 532.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 |
|
||
| 5 | 31 | 01 June 2025 | | 265.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 265.0 | 0.0 | 0.0 | 0.0 | 265.0 | 0.0 | 0.0 | 0.0 | 265.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1500.0 | 0.0 | 0.0 | 0.0 | 1500.0 | 0.0 | 0.0 | 0.0 | 1500.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 10 February 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false |
|
||
|
||
When Admin creates a Loan re-aging preview by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 15 February 2025 | 2 |
|
||
Then Loan Re-Aged Repayment schedule preview has 3 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | 10 February 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| | | 10 February 2025 | | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | |
|
||
| 2 | 14 | 15 February 2025 | | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 |
|
||
| 3 | 28 | 15 March 2025 | | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Re-Aged Repayment schedule preview has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1500.0 | 0.0 | 0.0 | 0.0 | 1500.0 | 0.0 | 0.0 | 0.0 | 1500.0 |
|
||
|
||
# --- re-age loan on 2nd installment ---#
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 15 February 2025 | 2 |
|
||
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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | 10 February 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| | | 10 February 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 2 | 9 | 10 February 2025 | 10 February 2025 | 1500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 5 | 15 February 2025 | | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 |
|
||
| 4 | 28 | 15 March 2025 | | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1500.0 | 0.0 | 0.0 | 0.0 | 1500.0 | 0.0 | 0.0 | 0.0 | 1500.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 10 February 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false |
|
||
| 10 February 2025 | Re-age | 1500.0 | 1500.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "10 February 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@Skip
|
||
@TestRailId:C4324 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with multiple disbursements: 2nd disb before re-aging - before maturity date and removes additional installments - UC6.1
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP1_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 2 | 28 | 01 March 2025 | | 666.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 3 | 31 | 01 April 2025 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 4 | 30 | 01 May 2025 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 5 | 31 | 01 June 2025 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
|
||
# --- re-age loan on 2nd installment ---#
|
||
When Admin sets the business date to "10 February 2025"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 15 February 2025 | 2 |
|
||
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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | 10 February 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 9 | 10 February 2025 | 10 February 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 5 | 15 February 2025 | | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
||
| 4 | 28 | 15 March 2025 | | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 10 February 2025 | Re-age | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
# --- add 2nd disbursement --- #
|
||
When Admin successfully disburse the loan on "10 February 2025" with "500" 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | 10 February 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 9 | 10 February 2025 | 10 February 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| | | 10 February 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 3 | 5 | 15 February 2025 | | 1000.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 |
|
||
| 4 | 28 | 15 March 2025 | | 500.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1500.0 | 0.0 | 0.0 | 0.0 | 1500.0 | 0.0 | 0.0 | 0.0 | 1500.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 10 February 2025 | Re-age | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
| 10 February 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false |
|
||
|
||
When Loan Pay-off is made on "10 February 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@Skip
|
||
@TestRailId:C4324 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction with multiple disbursements: 2nd disb before re-aging - before maturity date and removes additional installments - UC6.1
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP1_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 2 | 28 | 01 March 2025 | | 666.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 3 | 31 | 01 April 2025 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 4 | 30 | 01 May 2025 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 5 | 31 | 01 June 2025 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
|
||
# --- re-age loan on 2nd installment ---#
|
||
When Admin sets the business date to "10 February 2025"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 15 February 2025 | 2 |
|
||
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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | 10 February 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 9 | 10 February 2025 | 10 February 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 5 | 15 February 2025 | | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
||
| 4 | 28 | 15 March 2025 | | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 10 February 2025 | Re-age | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
# --- add 2nd disbursement --- #
|
||
When Admin successfully disburse the loan on "10 February 2025" with "500" 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | 10 February 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 9 | 10 February 2025 | 10 February 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| | | 10 February 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 3 | 5 | 15 February 2025 | | 1000.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 |
|
||
| 4 | 28 | 15 March 2025 | | 500.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 | 0.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1500.0 | 0.0 | 0.0 | 0.0 | 1500.0 | 0.0 | 0.0 | 0.0 | 1500.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 10 February 2025 | Re-age | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
| 10 February 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false |
|
||
|
||
When Loan Pay-off is made on "10 February 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4061 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging transaction at 1st installment with full repayment - before maturity date and merges the corresponding normal installments - UC7
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP1_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 2 | 28 | 01 March 2025 | | 666.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 3 | 31 | 01 April 2025 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 4 | 30 | 01 May 2025 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 5 | 31 | 01 June 2025 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- make early repayment --- #
|
||
When Admin sets the business date to "15 January 2025"
|
||
And Customer makes "AUTOPAY" repayment on "15 January 2025" with 167 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | 15 January 2025 | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 167.0| 167.0 | 0.0 | 0.0 |
|
||
| 2 | 28 | 01 March 2025 | | 666.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 3 | 31 | 01 April 2025 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 4 | 30 | 01 May 2025 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 5 | 31 | 01 June 2025 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 167.0 | 167.0 | 0.0 | 833.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 15 January 2025 | Repayment | 167.0 | 167.0 | 0.0 | 0.0 | 0.0 | 833.0 | false |
|
||
# --- re-age loan on 1st installment ---#
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 16 January 2025 | 6 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 14 | 15 January 2025 | 15 January 2025 | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 167.0| 167.0 | 0.0 | 0.0 |
|
||
| 2 | 1 | 16 January 2025 | | 694.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 |
|
||
| 3 | 31 | 16 February 2025 | | 555.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 |
|
||
| 4 | 28 | 16 March 2025 | | 416.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 |
|
||
| 5 | 31 | 16 April 2025 | | 277.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 |
|
||
| 6 | 30 | 16 May 2025 | | 138.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 | 0.0 | 0.0 | 0.0 | 139.0 |
|
||
| 7 | 31 | 16 June 2025 | | 0.0 | 138.0 | 0.0 | 0.0 | 0.0 | 138.0 | 0.0 | 0.0 | 0.0 | 138.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 167.0 | 167.0 | 0.0 | 833.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 15 January 2025 | Repayment | 167.0 | 167.0 | 0.0 | 0.0 | 0.0 | 833.0 | false |
|
||
| 15 January 2025 | Re-age | 833.0 | 833.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "15 January 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4062 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging transaction at 1st installment with partial repayment - before maturity date and merges the corresponding normal installments - UC8
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP1_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 2 | 28 | 01 March 2025 | | 666.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 3 | 31 | 01 April 2025 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 4 | 30 | 01 May 2025 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 5 | 31 | 01 June 2025 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- make early repayment --- #
|
||
When Admin sets the business date to "15 January 2025"
|
||
And Customer makes "AUTOPAY" repayment on "15 January 2025" with 100 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 100.0| 100.0 | 0.0 | 67.0 |
|
||
| 2 | 28 | 01 March 2025 | | 666.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 3 | 31 | 01 April 2025 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 4 | 30 | 01 May 2025 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 5 | 31 | 01 June 2025 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 100.0 | 100.0 | 0.0 | 900.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 15 January 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
|
||
# --- re-age loan on 1st installment ---#
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 16 January 2025 | 6 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 14 | 15 January 2025 | 15 January 2025 | 900.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0| 100.0 | 0.0 | 0.0 |
|
||
| 2 | 1 | 16 January 2025 | | 750.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
|
||
| 3 | 31 | 16 February 2025 | | 600.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
|
||
| 4 | 28 | 16 March 2025 | | 450.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
|
||
| 5 | 31 | 16 April 2025 | | 300.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
|
||
| 6 | 30 | 16 May 2025 | | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
|
||
| 7 | 31 | 16 June 2025 | | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 100.0 | 100.0 | 0.0 | 900.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 15 January 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false |
|
||
| 15 January 2025 | Re-age | 900.0 | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "15 January 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4063 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging transaction at 1st installment with repayment for a few installments - before maturity date and merges the corresponding normal installments - UC9
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP1_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 2 | 28 | 01 March 2025 | | 666.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 3 | 31 | 01 April 2025 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 4 | 30 | 01 May 2025 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 5 | 31 | 01 June 2025 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- make early repayment --- #
|
||
When Admin sets the business date to "15 January 2025"
|
||
And Customer makes "AUTOPAY" repayment on "15 January 2025" with 400 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | 15 January 2025 | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 167.0 | 167.0 | 0.0 | 0.0 |
|
||
| 2 | 28 | 01 March 2025 | 15 January 2025 | 666.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 167.0 | 167.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2025 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 66.0 | 66.0 | 0.0 | 101.0 |
|
||
| 4 | 30 | 01 May 2025 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 5 | 31 | 01 June 2025 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 400.0 | 400.0 | 0.0 | 600.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 15 January 2025 | Repayment | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 600.0 | false |
|
||
# --- re-age loan on 1st installment ---#
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 16 January 2025 | 6 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 14 | 15 January 2025 | 15 January 2025 | 600.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 400.0 | 400.0 | 0.0 | 0.0 |
|
||
| 2 | 1 | 16 January 2025 | | 500.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 3 | 31 | 16 February 2025 | | 400.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 4 | 28 | 16 March 2025 | | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 5 | 31 | 16 April 2025 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 6 | 30 | 16 May 2025 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 7 | 31 | 16 June 2025 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 400.0 | 400.0 | 0.0 | 600.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 15 January 2025 | Repayment | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 600.0 | false |
|
||
| 15 January 2025 | Re-age | 600.0 | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "15 January 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4064 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging transaction at 1st installment with MIR - before maturity date and merges the corresponding normal installments - UC10
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP1_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 2 | 28 | 01 March 2025 | | 666.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 3 | 31 | 01 April 2025 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 4 | 30 | 01 May 2025 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 5 | 31 | 01 June 2025 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- make early repayment --- #
|
||
When Admin sets the business date to "25 January 2025"
|
||
When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "25 January 2025" with 300 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | 25 January 2025 | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 167.0 | 167.0 | 0.0 | 0.0 |
|
||
| 2 | 28 | 01 March 2025 | | 666.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 133.0 | 133.0 | 0.0 | 34.0 |
|
||
| 3 | 31 | 01 April 2025 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 4 | 30 | 01 May 2025 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 5 | 31 | 01 June 2025 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 300.0 | 300.0 | 0.0 | 700.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 25 January 2025 | Merchant Issued Refund | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 700.0 | false |
|
||
# --- re-age loan on 1st installment ---#
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 16 January 2025 | 5 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 15 | 16 January 2025 | 16 January 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 0 | 16 January 2025 | 25 January 2025 | 800.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 200.0 | 0.0 |
|
||
| 3 | 31 | 16 February 2025 | | 600.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 100.0 | 100.0 | 0.0 | 100.0 |
|
||
| 4 | 28 | 16 March 2025 | | 400.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
||
| 5 | 31 | 16 April 2025 | | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
||
| 6 | 30 | 16 May 2025 | | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 300.0 | 100.0 | 200.0 | 700.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 25 January 2025 | Merchant Issued Refund | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 700.0 | false |
|
||
| 16 January 2025 | Re-age | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "25 January 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4065 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging transaction at 1st installment with repayment at last installment - before maturity date and merges the corresponding normal installments - UC11.1
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_PRECLOSE_LAST_INSTALLMENT_STRATEGY | 01 January 2025 | 1000.0 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | | 833.33 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 2 | 28 | 01 March 2025 | | 666.66 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 3 | 31 | 01 April 2025 | | 499.99 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 4 | 30 | 01 May 2025 | | 333.32 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 5 | 31 | 01 June 2025 | | 166.65 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 166.65 | 0.0 | 0.0 | 0.0 | 166.65 | 0.0 | 0.0 | 0.0 | 166.65 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- make early repayment --- #
|
||
When Admin sets the business date to "15 January 2025"
|
||
And Customer makes "AUTOPAY" repayment on "15 January 2025" with 166.65 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | | 833.33 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 2 | 28 | 01 March 2025 | | 666.66 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 3 | 31 | 01 April 2025 | | 499.99 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 4 | 30 | 01 May 2025 | | 333.32 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 5 | 31 | 01 June 2025 | | 166.65 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 6 | 30 | 01 July 2025 | 15 January 2025 | 0.0 | 166.65 | 0.0 | 0.0 | 0.0 | 166.65 | 166.65 | 166.65 | 0.0 | 0.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 166.65 | 166.65 | 0.0 | 833.35 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 15 January 2025 | Repayment | 166.65 | 166.65 | 0.0 | 0.0 | 0.0 | 833.35 | false |
|
||
# --- re-age loan on 1st installment ---#
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 16 January 2025 | 8 |
|
||
Then Loan Repayment schedule has 9 periods, with 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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 14 | 15 January 2025 | 15 January 2025 | 833.35 | 166.65 | 0.0 | 0.0 | 0.0 | 166.65 | 166.65 | 166.65 | 0.0 | 0.0 |
|
||
| 2 | 1 | 16 January 2025 | | 729.18 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 |
|
||
| 3 | 31 | 16 February 2025 | | 625.01 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 |
|
||
| 4 | 28 | 16 March 2025 | | 520.84 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 |
|
||
| 5 | 31 | 16 April 2025 | | 416.67 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 |
|
||
| 6 | 30 | 16 May 2025 | | 312.5 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 |
|
||
| 7 | 31 | 16 June 2025 | | 208.33 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 |
|
||
| 8 | 30 | 16 July 2025 | | 104.16 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 | 0.0 | 0.0 | 0.0 | 104.17 |
|
||
| 9 | 31 | 16 August 2025 | | 0.0 | 104.16 | 0.0 | 0.0 | 0.0 | 104.16 | 0.0 | 0.0 | 0.0 | 104.16 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 166.65 | 166.65 | 0.0 | 833.35 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 15 January 2025 | Repayment | 166.65 | 166.65 | 0.0 | 0.0 | 0.0 | 833.35 | false |
|
||
| 15 January 2025 | Re-age | 833.35 | 833.35 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "15 January 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4078 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging transaction at 1st installment with repayment at last installment - before maturity date and merges the corresponding normal installments - UC11.2
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_PRECLOSE_LAST_INSTALLMENT_STRATEGY | 01 January 2025 | 1000.0 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | | 833.33 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 2 | 28 | 01 March 2025 | | 666.66 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 3 | 31 | 01 April 2025 | | 499.99 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 4 | 30 | 01 May 2025 | | 333.32 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 5 | 31 | 01 June 2025 | | 166.65 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 6 | 30 | 01 July 2025 | | 0.0 | 166.65 | 0.0 | 0.0 | 0.0 | 166.65 | 0.0 | 0.0 | 0.0 | 166.65 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- make early repayment --- #
|
||
When Admin sets the business date to "15 January 2025"
|
||
And Customer makes "AUTOPAY" repayment on "15 January 2025" with 166.65 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2025 | | 833.33 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 2 | 28 | 01 March 2025 | | 666.66 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 3 | 31 | 01 April 2025 | | 499.99 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 4 | 30 | 01 May 2025 | | 333.32 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 5 | 31 | 01 June 2025 | | 166.65 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 | 0.0 | 0.0 | 0.0 | 166.67 |
|
||
| 6 | 30 | 01 July 2025 | 15 January 2025 | 0.0 | 166.65 | 0.0 | 0.0 | 0.0 | 166.65 | 166.65 | 166.65 | 0.0 | 0.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 166.65 | 166.65 | 0.0 | 833.35 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 15 January 2025 | Repayment | 166.65 | 166.65 | 0.0 | 0.0 | 0.0 | 833.35 | false |
|
||
# --- re-age loan on 1st installment ---#
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 16 January 2025 | 4 |
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 14 | 15 January 2025 | 15 January 2025 | 833.35 | 166.65 | 0.0 | 0.0 | 0.0 | 166.65 | 166.65 | 166.65 | 0.0 | 0.0 |
|
||
| 2 | 1 | 16 January 2025 | | 625.01 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 |
|
||
| 3 | 31 | 16 February 2025 | | 416.67 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 |
|
||
| 4 | 28 | 16 March 2025 | | 208.33 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 | 0.0 | 0.0 | 0.0 | 208.34 |
|
||
| 5 | 31 | 16 April 2025 | | 0.0 | 208.33 | 0.0 | 0.0 | 0.0 | 208.33 | 0.0 | 0.0 | 0.0 | 208.33 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 166.65 | 166.65 | 0.0 | 833.35 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 15 January 2025 | Repayment | 166.65 | 166.65 | 0.0 | 0.0 | 0.0 | 833.35 | false |
|
||
| 15 January 2025 | Re-age | 833.35 | 833.35 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "15 January 2025"
|
||
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
||
Then Loan has 0 outstanding amount
|
||
|
||
@TestRailId:C4079 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging transaction at 1st installment - before maturity date and removes additional installments - UC12
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 February 2025 | | 625.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 3 | 28 | 01 March 2025 | | 500.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 4 | 31 | 01 April 2025 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 5 | 30 | 01 May 2025 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 6 | 31 | 01 June 2025 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 7 | 30 | 01 July 2025 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
# --- re-age loan on 1st installment ---#
|
||
When Admin sets the business date to "2 January 2025"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 02 January 2025 | 3 |
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 02 January 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 1 | 02 January 2025 | 02 January 2025 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 0 | 02 January 2025 | | 666.67 | 333.33 | 0.0 | 0.0 | 0.0 | 333.33 | 0.0 | 0.0 | 0.0 | 333.33 |
|
||
| 4 | 31 | 02 February 2025 | | 333.34 | 333.33 | 0.0 | 0.0 | 0.0 | 333.33 | 0.0 | 0.0 | 0.0 | 333.33 |
|
||
| 5 | 28 | 02 March 2025 | | 0.0 | 333.34 | 0.0 | 0.0 | 0.0 | 333.34 | 0.0 | 0.0 | 0.0 | 333.34 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 02 January 2025 | Re-age | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "02 January 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@Skip @TestRailId:C4080 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging transaction at 1st installment with charge - before maturity date and removes additional normal installments and not modifies n+1 - UC13
|
||
When Admin sets the business date to "01 January 2025"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
|
||
When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
|
||
When Admin adds "LOAN_NSF_FEE" due date charge with "1 January 2025" due date and 20 EUR transaction amount
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 January 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0| 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2025 | | 625.0 | 125.0 | 0.0 | 0.0 | 20.0 | 145.0 | 0.0 | 0.0 | 0.0 | 145.0 |
|
||
| 3 | 28 | 01 March 2025 | | 500.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 4 | 31 | 01 April 2025 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 5 | 30 | 01 May 2025 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 6 | 31 | 01 June 2025 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 7 | 30 | 01 July 2025 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 250.0 | 0.0 | 0.0 | 770.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2025 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 01 January 2025 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
|
||
# --- re-age loan on 1st installment ---#
|
||
When Admin sets the business date to "10 January 2025"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 11 January 2025 | 2 |
|
||
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 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2025 | 01 January 2025 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 9 | 10 January 2025 | 10 January 2025 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 1 | 11 January 2025 | | 375.0 | 375.0 | 0.0 | 0.0 | 20.0 | 395.0 | 0.0 | 0.0 | 0.0 | 395.0 |
|
||
| 4 | 31 | 11 February 2025 | | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 250.0 | 0.0 | 0.0 | 770.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2025 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 10 January 2025 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Loan Pay-off is made on "10 January 2025"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4081 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction - can be performed before maturity date and removes n+1 - UC14
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
When Admin adds "LOAN_NSF_FEE" due date charge with "1 October 2024" due date and 20 EUR transaction amount
|
||
Then Loan Repayment schedule has 8 periods, with 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 | 0 | 01 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 February 2024 | | 625.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 3 | 29 | 01 March 2024 | | 500.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 4 | 31 | 01 April 2024 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 5 | 30 | 01 May 2024 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 6 | 31 | 01 June 2024 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 7 | 30 | 01 July 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 8 | 92 | 01 October 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 0.0 | 0.0 | 0.0 | 1020.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 01 October 2024 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
|
||
|
||
When Admin sets the business date to "09 March 2024"
|
||
When Admin creates a Loan re-aging preview by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 15 March 2024 | 10 |
|
||
Then Loan Re-Aged Repayment schedule preview has 14 periods, with 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 | 0.0 | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 29 | 01 March 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 8 | 09 March 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 6 | 15 March 2024 | | 900.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 6 | 31 | 15 April 2024 | | 800.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 7 | 30 | 15 May 2024 | | 700.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 8 | 31 | 15 June 2024 | | 600.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 9 | 30 | 15 July 2024 | | 500.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 10 | 31 | 15 August 2024 | | 400.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 11 | 31 | 15 September 2024| | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 12 | 30 | 15 October 2024 | | 200.0 | 100.0 | 0.0 | 0.0 | 20.0 | 120.0 | 0.0 | 0.0 | 0.0 | 120.0 |
|
||
| 13 | 31 | 15 November 2024 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 14 | 30 | 15 December 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
Then Loan Re-Aged Repayment schedule preview has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 0.0 | 0.0 | 0.0 | 1020.0 |
|
||
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 15 March 2024 | 10 |
|
||
Then Loan Repayment schedule has 14 periods, with 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 | 0 | 01 January 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 29 | 01 March 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 8 | 09 March 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 6 | 15 March 2024 | | 900.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 6 | 31 | 15 April 2024 | | 800.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 7 | 30 | 15 May 2024 | | 700.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 8 | 31 | 15 June 2024 | | 600.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 9 | 30 | 15 July 2024 | | 500.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 10 | 31 | 15 August 2024 | | 400.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 11 | 31 | 15 September 2024| | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 12 | 30 | 15 October 2024 | | 200.0 | 100.0 | 0.0 | 0.0 | 20.0 | 120.0 | 0.0 | 0.0 | 0.0 | 120.0 |
|
||
| 13 | 31 | 15 November 2024 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
| 14 | 30 | 15 December 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 0.0 | 0.0 | 0.0 | 1020.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 09 March 2024 | Re-age | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 01 October 2024 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
|
||
|
||
When Loan Pay-off is made on "09 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4082 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging transaction - before maturity date and removes additional normal installments and not modifies n+1 - UC15
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
When Admin adds "LOAN_NSF_FEE" due date charge with "1 October 2024" due date and 20 EUR transaction amount
|
||
When Admin adds "LOAN_NSF_FEE" due date charge with "1 November 2024" due date and 30 EUR transaction amount
|
||
Then Loan Repayment schedule has 8 periods, with 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 | 0 | 01 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 2 | 31 | 01 February 2024 | | 625.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 3 | 29 | 01 March 2024 | | 500.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 4 | 31 | 01 April 2024 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 5 | 30 | 01 May 2024 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 6 | 31 | 01 June 2024 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 7 | 30 | 01 July 2024 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
||
| 8 | 123 | 01 November 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 50.0 | 1050.0 | 0.0 | 0.0 | 0.0 | 1050.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 01 October 2024 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
|
||
| NSF fee | true | Specified due date | 01 November 2024| Flat | 30.0 | 0.0 | 0.0 | 30.0 |
|
||
|
||
When Admin sets the business date to "09 March 2024"
|
||
When Admin creates a Loan re-aging preview by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 15 March 2024 | 2 |
|
||
Then Loan Re-Aged Repayment schedule preview has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 29 | 01 March 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 8 | 09 March 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 6 | 15 March 2024 | | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
||
| 6 | 31 | 15 April 2024 | | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
||
| 7 | 200 | 01 November 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 |
|
||
Then Loan Re-Aged Repayment schedule preview has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 50.0 | 1050.0 | 0.0 | 0.0 | 0.0 | 1050.0 |
|
||
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 15 March 2024 | 2 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 29 | 01 March 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 8 | 09 March 2024 | 09 March 2024 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 6 | 15 March 2024 | | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
||
| 6 | 31 | 15 April 2024 | | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
||
| 7 | 200 | 01 November 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 50.0 | 1050.0 | 0.0 | 0.0 | 0.0 | 1050.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 09 March 2024 | Re-age | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 01 October 2024 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
|
||
| NSF fee | true | Specified due date | 01 November 2024 | Flat | 30.0 | 0.0 | 0.0 | 30.0 |
|
||
|
||
When Loan Pay-off is made on "09 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4136 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Loan re-aging with zero outstanding balance is rejected in real-time - UC1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
When Admin sets the business date to "20 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "20 February 2024" with 750 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 20 February 2024 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 20 February 2024 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 20 February 2024 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 1000.0 | 0.0 | 750.0 | 0.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 20 February 2024 | Repayment | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
And Admin adds "LOAN_NSF_FEE" due date charge with "01 March 2024" due date and 10 EUR transaction amount
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 20 February 2024 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 20 February 2024 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 20 February 2024 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 5 | 15 | 01 March 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 10.0 | 1010.0 | 1000.0 | 0.0 | 750.0 | 10.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 20 February 2024 | Repayment | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
When Admin fails to create a Loan re-aging transaction with status code 403 error "error.msg.loan.reage.no.outstanding.balance.to.reage" and with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 3 |
|
||
Then Loan Repayment schedule has 5 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 20 February 2024 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 20 February 2024 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 20 February 2024 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 5 | 15 | 01 March 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 10.0 | 1010.0 | 1000.0 | 0.0 | 750.0 | 10.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 20 February 2024 | Repayment | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 01 March 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
|
||
When Loan Pay-off is made on "20 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4137 @AdvancedPaymentAllocation
|
||
Scenario: Verify that zero amount reage transaction is reverted during reverse-replay with backdated repayment that fully paid loan - UC2
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
When Admin sets the business date to "20 February 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 3 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 15 | 01 March 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 6 | 31 | 01 April 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 7 | 30 | 01 May 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 20 February 2024 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
When Admin sets the business date to "21 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "19 February 2024" with 750 EUR transaction amount
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 19 February 2024 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 19 February 2024 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 19 February 2024 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 1000.0 | 0.0 | 750.0 | 0.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 19 February 2024 | Repayment | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
@TestRailId:C4138 @AdvancedPaymentAllocation
|
||
Scenario: Verify that zero amount reage transaction is reverted during reverse-replay with backdated MAR trn that fully paid loan - UC3
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
When Admin sets the business date to "20 February 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 3 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 15 | 01 March 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 6 | 31 | 01 April 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 7 | 30 | 01 May 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 20 February 2024 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
When Admin sets the business date to "21 February 2024"
|
||
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "19 February 2024" with 750 EUR transaction amount and system-generated Idempotency key
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 19 February 2024 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 19 February 2024 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 19 February 2024 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 1000.0 | 0.0 | 750.0 | 0.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 19 February 2024 | Merchant Issued Refund | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
@TestRailId:C4139 @AdvancedPaymentAllocation
|
||
Scenario: Verify that zero amount reage transaction is reverted during reverse-replay with backdated repayment that overpaid loan - UC4
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
||
Then Loan Repayment schedule has 4 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
When Admin sets the business date to "20 February 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 3 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 20 February 2024 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 15 | 01 March 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 6 | 31 | 01 April 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
| 7 | 30 | 01 May 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 20 February 2024 | Re-age | 750.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
When Admin sets the business date to "21 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "19 February 2024" with 800 EUR transaction amount
|
||
Then Loan status will be "OVERPAID"
|
||
And Loan has 50 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 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 16 January 2024 | 19 February 2024 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 3 | 15 | 31 January 2024 | 19 February 2024 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
| 4 | 15 | 15 February 2024 | 19 February 2024 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 1000.0 | 0.0 | 750.0 | 0.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false |
|
||
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false |
|
||
| 19 February 2024 | Repayment | 800.0 | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
When Admin makes Credit Balance Refund transaction on "21 February 2024" with 50 EUR transaction amount
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4075 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - Interest Split scenario - UC1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024| 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4076 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - Fees and Interest Split before re-aging - UC2
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
When Admin sets the business date to "15 February 2024"
|
||
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 February 2024" due date and 10 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 10.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 17.01 | 0.0 | 0.0 | 95.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
And Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| Snooze fee | false | Specified due date | 15 February 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024| 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 83.57 | 0.0 | 0.0 | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 10.0 | 0.0 | 112.8 | 17.01 | 0.0 | 0.0 | 95.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
And Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| Snooze fee | false | Specified due date | 15 February 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
|
||
When Admin sets the business date to "01 April 2024"
|
||
When Admin successfully undo Loan re-aging transaction
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 10.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.15 | 10.0 | 0.0 | 112.15 | 17.01 | 0.0 | 0.0 | 95.14 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | true | false |
|
||
And Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| Snooze fee | false | Specified due date | 15 February 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4125 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - Fees and Interest Split before re-aging - fees paid - UC2.1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
When Admin sets the business date to "15 February 2024"
|
||
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 February 2024" due date and 10 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 10.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 17.01 | 0.0 | 0.0 | 95.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
And Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| Snooze fee | false | Specified due date | 15 February 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
When Admin sets the business date to "16 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "16 February 2024" with 10.0 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 10.0 | 0.0 | 27.01 | 10.0 | 10.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 27.01 | 10.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 16 February 2024 | Repayment | 10.0 | 0.0 | 0.0 | 10.0 | 0.0 | 83.57 | false | false |
|
||
And Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| Snooze fee | false | Specified due date | 15 February 2024 | Flat | 10.0 | 10.0 | 0.0 | 0.0 |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024| 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 10.0 | 0.0 | 10.0 | 10.0 | 10.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 10.0 | 0.0 | 112.8 | 27.01 | 10.0 | 0.0 | 85.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 16 February 2024 | Repayment | 10.0 | 0.0 | 0.0 | 10.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
And Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| Snooze fee | false | Specified due date | 15 February 2024 | Flat | 10.0 | 10.0 | 0.0 | 0.0 |
|
||
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4077 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - Charge-back before re-aging - UC3
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.14 | 32.86 | 1.16 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
|
||
| 3 | 31 | 01 April 2024 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 116.43 | 2.72 | 0.0 | 0.0 | 119.15 | 17.01 | 0.0 | 0.0 | 102.14 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
| 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024| 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 84.53 | 15.47 | 1.74 | 0.0 | 0.0 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 |
|
||
| 5 | 30 | 01 May 2024 | | 67.81 | 16.72 | 0.49 | 0.0 | 0.0 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 |
|
||
| 6 | 31 | 01 June 2024 | | 51.0 | 16.81 | 0.4 | 0.0 | 0.0 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 |
|
||
| 7 | 30 | 01 July 2024 | | 34.09 | 16.91 | 0.3 | 0.0 | 0.0 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 |
|
||
| 8 | 31 | 01 August 2024 | | 17.08 | 17.01 | 0.2 | 0.0 | 0.0 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 17.08 | 0.1 | 0.0 | 0.0 | 17.18 | 0.0 | 0.0 | 0.0 | 17.18 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 116.43 | 3.81 | 0.0 | 0.0 | 120.24 | 17.01| 0.0 | 0.0 | 103.23 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 15 March 2024 | Re-age | 101.42 | 100.0 | 1.42 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | 15 March 2024 | 84.21 | 15.79 | 1.42 | 0.0 | 0.0 | 17.21 | 17.21 | 17.21 | 0.0 | 0.0 |
|
||
| 5 | 30 | 01 May 2024 | 15 March 2024 | 67.0 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 | 17.21 | 17.21 | 0.0 | 0.0 |
|
||
| 6 | 31 | 01 June 2024 | 15 March 2024 | 49.79 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 | 17.21 | 17.21 | 0.0 | 0.0 |
|
||
| 7 | 30 | 01 July 2024 | 15 March 2024 | 32.58 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 | 17.21 | 17.21 | 0.0 | 0.0 |
|
||
| 8 | 31 | 01 August 2024 | 15 March 2024 | 15.37 | 17.21 | 0.0 | 0.0 | 0.0 | 17.21 | 17.21 | 17.21 | 0.0 | 0.0 |
|
||
| 9 | 31 | 01 September 2024| 15 March 2024 | 0.0 | 15.37 | 0.0 | 0.0 | 0.0 | 15.37 | 15.37 | 15.37 | 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 |
|
||
| 116.43 | 2.0 | 0.0 | 0.0 | 118.43 | 118.43 | 101.42 | 0.0 | 0.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 15 March 2024 | Re-age | 101.42 | 100.0 | 1.42 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Repayment | 101.42 | 100.0 | 1.42 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Accrual | 2.0 | 0.0 | 2.0 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
@TestRailId:C4135 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - Charge-back before re-aging and installment is partially paid - UC3.1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.14 | 32.86 | 1.16 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
|
||
| 3 | 31 | 01 April 2024 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 116.43 | 2.72 | 0.0 | 0.0 | 119.15 | 17.01 | 0.0 | 0.0 | 102.14 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
| 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 March 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 10.0 EUR transaction amount
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024| 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 90.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 90.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 76.18 | 13.82 | 1.69 | 0.0 | 0.0 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 |
|
||
| 5 | 30 | 01 May 2024 | | 61.11 | 15.07 | 0.44 | 0.0 | 0.0 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 |
|
||
| 6 | 31 | 01 June 2024 | | 45.96 | 15.15 | 0.36 | 0.0 | 0.0 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 |
|
||
| 7 | 30 | 01 July 2024 | | 30.72 | 15.24 | 0.27 | 0.0 | 0.0 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 |
|
||
| 8 | 31 | 01 August 2024 | | 15.39 | 15.33 | 0.18 | 0.0 | 0.0 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 15.39 | 0.09 | 0.0 | 0.0 | 15.48 | 0.0 | 0.0 | 0.0 | 15.48 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 116.43 | 3.61 | 0.0 | 0.0 | 120.04 | 27.01 | 0.0 | 0.0 | 93.03 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | false | false |
|
||
| 15 March 2024 | Re-age | 91.4 | 90.0 | 1.4 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 90.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 90.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | 15 March 2024 | 75.89 | 14.11 | 1.4 | 0.0 | 0.0 | 15.51 | 15.51 | 15.51 | 0.0 | 0.0 |
|
||
| 5 | 30 | 01 May 2024 | 15 March 2024 | 60.38 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 | 15.51 | 15.51 | 0.0 | 0.0 |
|
||
| 6 | 31 | 01 June 2024 | 15 March 2024 | 44.87 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 | 15.51 | 15.51 | 0.0 | 0.0 |
|
||
| 7 | 30 | 01 July 2024 | 15 March 2024 | 29.36 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 | 15.51 | 15.51 | 0.0 | 0.0 |
|
||
| 8 | 31 | 01 August 2024 | 15 March 2024 | 13.85 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 | 15.51 | 15.51 | 0.0 | 0.0 |
|
||
| 9 | 31 | 01 September 2024| 15 March 2024 | 0.0 | 13.85 | 0.0 | 0.0 | 0.0 | 13.85 | 13.85 | 13.85 | 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 |
|
||
| 116.43 | 1.98 | 0.0 | 0.0 | 118.41 | 118.41 | 91.4 | 0.0 | 0.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | false | false |
|
||
| 15 March 2024 | Re-age | 91.4 | 90.0 | 1.4 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Repayment | 91.4 | 90.0 | 1.4 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Accrual | 1.98 | 0.0 | 1.98 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
@TestRailId:C4356 @AdvancedPaymentAllocation
|
||
Scenario: Verify Re-aging on interest bearing loan - Interest calculation: Default Behavior - with NEXT_INSTALLMENT allocation rule, backdated re-aging on 1st installment after repay and chargeback on 1st due - UC3.2
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.15 | 33.43 | 0.59 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
|
||
| 3 | 31 | 01 April 2024 | | 50.53 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 117.01 | 2.15 | 0.0 | 0.0 | 119.16 | 17.01 | 0.0 | 0.0 | 102.15 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 February 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.58 | false | false |
|
||
When Admin sets the business date to "01 May 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 February 2024 | 6 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 100.58 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 0 | 01 February 2024 | | 83.58 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
| 3 | 29 | 01 March 2024 | | 67.16 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
| 4 | 31 | 01 April 2024 | | 50.74 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
| 5 | 30 | 01 May 2024 | | 34.32 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
| 6 | 31 | 01 June 2024 | | 17.52 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
| 7 | 30 | 01 July 2024 | | 0.0 | 17.52 | 0.1 | 0.0 | 0.0 | 17.62 | 0.0 | 0.0 | 0.0 | 17.62 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 117.01 | 2.62 | 0.0 | 0.0 | 119.63 | 17.01 | 0.0 | 0.0 | 102.62 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 February 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 100.58 | false | false |
|
||
| 01 February 2024 | Re-age | 100.58 | 100.58 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "01 May 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4083 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - N+1 Scenario - UC4
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
When Admin sets the business date to "15 July 2024"
|
||
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 July 2024" due date and 10 EUR transaction amount
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
| 7 | 14 | 15 July 2024 | | 0.0 | 0.0 | 0.0 | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 17.01 | 0.0 | 0.0 | 95.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 10.0 | 0.0 | 24.3 | 0.0 | 0.0 | 0.0 | 24.3 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 10.0 | 0.0 | 112.8 | 17.01 | 0.0 | 0.0 | 95.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
When Admin sets the business date to "01 April 2024"
|
||
When Admin successfully undo Loan re-aging transaction
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
||
| 7 | 14 | 15 July 2024 | | 0.0 | 0.0 | 0.0 | 10.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.15 | 10.0 | 0.0 | 112.15 | 17.01 | 0.0 | 0.0 | 95.14 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | true | false |
|
||
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4084 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - Partially paid installment - UC5
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 25.0 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 7.99 | 7.99 | 0.0 | 9.02 |
|
||
| 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 25.0 | 7.99 | 0.0 | 77.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024| 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 75.58 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 75.58 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 63.53 | 12.05 | 0.88 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 5 | 30 | 01 May 2024 | | 50.97 | 12.56 | 0.37 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 6 | 31 | 01 June 2024 | | 38.34 | 12.63 | 0.3 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 7 | 30 | 01 July 2024 | | 25.63 | 12.71 | 0.22 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 8 | 31 | 01 August 2024 | | 12.85 | 12.78 | 0.15 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 12.85 | 0.07 | 0.0 | 0.0 | 12.92 | 0.0 | 0.0 | 0.0 | 12.92 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.57 | 0.0 | 0.0 | 102.57 | 25.0 | 7.99 | 0.0 | 77.57 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
| 15 March 2024 | Re-age | 76.22 | 75.58 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4229 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - with LAST_INSTALLMENT allocation rule and partial repayment - UC5.1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "LAST_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 25.0 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.33 | 16.67 | 0.34 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.57 | 16.76 | 0.25 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.71 | 16.86 | 0.15 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.71 | 0.05 | 0.0 | 0.0 | 16.76 | 7.99 | 7.99 | 0.0 | 8.77 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.81 | 0.0 | 0.0 | 101.81 | 25.0 | 7.99 | 0.0 | 76.81 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024| 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 75.58 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 63.53 | 12.05 | 0.88 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 5 | 30 | 01 May 2024 | | 50.97 | 12.56 | 0.37 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 6 | 31 | 01 June 2024 | | 38.34 | 12.63 | 0.3 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 7 | 30 | 01 July 2024 | | 25.63 | 12.71 | 0.22 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 8 | 31 | 01 August 2024 | | 12.85 | 12.78 | 0.15 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 12.85 | 0.07 | 0.0 | 0.0 | 12.92 | 0.0 | 0.0 | 0.0 | 12.92 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.57 | 0.0 | 0.0 | 102.57 | 25.0 | 7.99 | 0.0 | 77.57 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
| 15 March 2024 | Re-age | 76.22 | 75.58 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 75.58 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | 15 March 2024 | 64.64 | 10.94 | 0.64 | 0.0 | 0.0 | 11.58 | 11.58 | 11.58 | 0.0 | 0.0 |
|
||
| 5 | 30 | 01 May 2024 | 15 March 2024 | 51.71 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 | 12.93 | 12.93 | 0.0 | 0.0 |
|
||
| 6 | 31 | 01 June 2024 | 15 March 2024 | 38.78 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 | 12.93 | 12.93 | 0.0 | 0.0 |
|
||
| 7 | 30 | 01 July 2024 | 15 March 2024 | 25.85 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 | 12.93 | 12.93 | 0.0 | 0.0 |
|
||
| 8 | 31 | 01 August 2024 | 15 March 2024 | 12.92 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 | 12.93 | 12.93 | 0.0 | 0.0 |
|
||
| 9 | 31 | 01 September 2024| 15 March 2024 | 0.0 | 12.92 | 0.0 | 0.0 | 0.0 | 12.92 | 12.92 | 12.92 | 0.0 | 0.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.22 | 0.0 | 0.0 | 101.22 | 101.22 | 84.21 | 0.0 | 0.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Re-age | 76.22 | 75.58 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Repayment | 76.22 | 75.58 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Accrual | 1.22 | 0.0 | 1.22 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Accrual Activity | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
|
||
@TestRailId:C4230 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - with LAST_INSTALLMENT allocation rule and partial repayment - continue with regular payments
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "LAST_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 25.0 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.33 | 16.67 | 0.34 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.57 | 16.76 | 0.25 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.71 | 16.86 | 0.15 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.71 | 0.05 | 0.0 | 0.0 | 16.76 | 7.99 | 7.99 | 0.0 | 8.77 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.81 | 0.0 | 0.0 | 101.81 | 25.0 | 7.99 | 0.0 | 76.81 |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024| 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 75.58 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 63.53 | 12.05 | 0.88 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 5 | 30 | 01 May 2024 | | 50.97 | 12.56 | 0.37 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 6 | 31 | 01 June 2024 | | 38.34 | 12.63 | 0.3 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 7 | 30 | 01 July 2024 | | 25.63 | 12.71 | 0.22 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 8 | 31 | 01 August 2024 | | 12.85 | 12.78 | 0.15 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 12.85 | 0.07 | 0.0 | 0.0 | 12.92 | 0.0 | 0.0 | 0.0 | 12.92 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.57 | 0.0 | 0.0 | 102.57 | 25.0 | 7.99 | 0.0 | 77.57 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
| 15 March 2024 | Re-age | 76.22 | 75.58 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# Make regular payment on first re-aged installment due date instead of immediate payoff
|
||
When Admin sets the business date to "01 April 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 12.93 EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 75.58 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | 01 April 2024 | 63.53 | 12.05 | 0.88 | 0.0 | 0.0 | 12.93 | 12.93 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 30 | 01 May 2024 | | 50.97 | 12.56 | 0.37 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 6 | 31 | 01 June 2024 | | 38.34 | 12.63 | 0.3 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 7 | 30 | 01 July 2024 | | 25.63 | 12.71 | 0.22 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 8 | 31 | 01 August 2024 | | 12.85 | 12.78 | 0.15 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 12.85 | 0.07 | 0.0 | 0.0 | 12.92 | 0.0 | 0.0 | 0.0 | 12.92 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.57 | 0.0 | 0.0 | 102.57 | 37.93 | 7.99 | 0.0 | 64.64 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
| 15 March 2024 | Re-age | 76.22 | 75.58 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Repayment | 12.93 | 12.05 | 0.88 | 0.0 | 0.0 | 63.53 | false | false |
|
||
# Continue with second regular payment
|
||
When Admin sets the business date to "01 May 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 12.93 EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 75.58 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | 01 April 2024 | 63.53 | 12.05 | 0.88 | 0.0 | 0.0 | 12.93 | 12.93 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 30 | 01 May 2024 | 01 May 2024 | 50.97 | 12.56 | 0.37 | 0.0 | 0.0 | 12.93 | 12.93 | 0.0 | 0.0 | 0.0 |
|
||
| 6 | 31 | 01 June 2024 | | 38.34 | 12.63 | 0.3 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 7 | 30 | 01 July 2024 | | 25.63 | 12.71 | 0.22 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 8 | 31 | 01 August 2024 | | 12.85 | 12.78 | 0.15 | 0.0 | 0.0 | 12.93 | 0.0 | 0.0 | 0.0 | 12.93 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 12.85 | 0.07 | 0.0 | 0.0 | 12.92 | 0.0 | 0.0 | 0.0 | 12.92 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.57 | 0.0 | 0.0 | 102.57 | 50.86 | 7.99 | 0.0 | 51.71 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
| 15 March 2024 | Re-age | 76.22 | 75.58 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Repayment | 12.93 | 12.05 | 0.88 | 0.0 | 0.0 | 63.53 | false | false |
|
||
| 01 May 2024 | Repayment | 12.93 | 12.56 | 0.37 | 0.0 | 0.0 | 50.97 | false | false |
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
|
||
@TestRailId:C4231 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - with LAST_INSTALLMENT allocation rule and multiple partial repayments
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "LAST_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
# First overpayment - goes to last installment
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 20.0 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.03 | 16.54 | 0.47 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.39 | 16.64 | 0.37 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.66 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.83 | 16.83 | 0.18 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.83 | 0.08 | 0.0 | 0.0 | 16.91 | 2.99 | 2.99 | 0.0 | 13.92 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.96 | 0.0 | 0.0 | 101.96 | 20.0 | 2.99 | 0.0 | 81.96 |
|
||
# Second overpayment - also goes to last installment
|
||
When Admin sets the business date to "01 March 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 22.0 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.03 | 16.54 | 0.47 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | | 50.36 | 16.67 | 0.34 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.6 | 16.76 | 0.25 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.74 | 16.86 | 0.15 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.74 | 0.05 | 0.0 | 0.0 | 16.79 | 7.98 | 7.98 | 0.0 | 8.81 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.84 | 0.0 | 0.0 | 101.84 | 42.0 | 7.98 | 0.0 | 59.84 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 20.0 | 19.42 | 0.58 | 0.0 | 0.0 | 80.58 | false |
|
||
| 01 March 2024 | Repayment | 22.0 | 21.53 | 0.47 | 0.0 | 0.0 | 59.05 | false |
|
||
# Re-aging with multiple paid amounts to consolidate
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024| 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.03 | 16.54 | 0.47 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 59.05 | 7.98 | 0.0 | 0.0 | 0.0 | 7.98 | 7.98 | 7.98 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 49.36 | 9.69 | 0.35 | 0.0 | 0.0 | 10.04 | 0.0 | 0.0 | 0.0 | 10.04 |
|
||
| 5 | 30 | 01 May 2024 | | 39.61 | 9.75 | 0.29 | 0.0 | 0.0 | 10.04 | 0.0 | 0.0 | 0.0 | 10.04 |
|
||
| 6 | 31 | 01 June 2024 | | 29.8 | 9.81 | 0.23 | 0.0 | 0.0 | 10.04 | 0.0 | 0.0 | 0.0 | 10.04 |
|
||
| 7 | 30 | 01 July 2024 | | 19.93 | 9.87 | 0.17 | 0.0 | 0.0 | 10.04 | 0.0 | 0.0 | 0.0 | 10.04 |
|
||
| 8 | 31 | 01 August 2024 | | 10.01 | 9.92 | 0.12 | 0.0 | 0.0 | 10.04 | 0.0 | 0.0 | 0.0 | 10.04 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 10.01 | 0.06 | 0.0 | 0.0 | 10.07 | 0.0 | 0.0 | 0.0 | 10.07 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.27 | 0.0 | 0.0 | 102.27 | 42.0 | 7.98 | 0.0 | 60.27 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 20.0 | 19.42 | 0.58 | 0.0 | 0.0 | 80.58 | false | false |
|
||
| 01 March 2024 | Repayment | 22.0 | 21.53 | 0.47 | 0.0 | 0.0 | 59.05 | false | false |
|
||
| 15 March 2024 | Re-age | 59.21 | 59.05 | 0.16 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.03 | 16.54 | 0.47 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 59.05 | 7.98 | 0.0 | 0.0 | 0.0 | 7.98 | 7.98 | 7.98 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | 15 March 2024 | 50.22 | 8.83 | 0.16 | 0.0 | 0.0 | 8.99 | 8.99 | 8.99 | 0.0 | 0.0 |
|
||
| 5 | 30 | 01 May 2024 | 15 March 2024 | 40.18 | 10.04 | 0.0 | 0.0 | 0.0 | 10.04 | 10.04 | 10.04 | 0.0 | 0.0 |
|
||
| 6 | 31 | 01 June 2024 | 15 March 2024 | 30.14 | 10.04 | 0.0 | 0.0 | 0.0 | 10.04 | 10.04 | 10.04 | 0.0 | 0.0 |
|
||
| 7 | 30 | 01 July 2024 | 15 March 2024 | 20.1 | 10.04 | 0.0 | 0.0 | 0.0 | 10.04 | 10.04 | 10.04 | 0.0 | 0.0 |
|
||
| 8 | 31 | 01 August 2024 | 15 March 2024 | 10.06 | 10.04 | 0.0 | 0.0 | 0.0 | 10.04 | 10.04 | 10.04 | 0.0 | 0.0 |
|
||
| 9 | 31 | 01 September 2024| 15 March 2024 | 0.0 | 10.06 | 0.0 | 0.0 | 0.0 | 10.06 | 10.06 | 10.06 | 0.0 | 0.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.21 | 0.0 | 0.0 | 101.21 | 101.21 | 67.19 | 0.0 | 0.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 20.0 | 19.42 | 0.58 | 0.0 | 0.0 | 80.58 | false | false |
|
||
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 March 2024 | Repayment | 22.0 | 21.53 | 0.47 | 0.0 | 0.0 | 59.05 | false | false |
|
||
| 01 March 2024 | Accrual Activity | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Re-age | 59.21 | 59.05 | 0.16 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Repayment | 59.21 | 59.05 | 0.16 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Accrual | 1.21 | 0.0 | 1.21 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Accrual Activity | 0.16 | 0.0 | 0.16 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
|
||
@TestRailId:C4232
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - re-aging on paid installment date - UC5.2
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
When Admin sets the business date to "01 March 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 34.02 | 0.0 | 0.0 | 68.03 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
When Admin sets the business date to "01 May 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 6 |
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 0 | 01 March 2024 | | 55.71 | 11.34 | 0.0 | 0.0 | 0.0 | 11.34 | 0.0 | 0.0 | 0.0 | 11.34 |
|
||
| 4 | 31 | 01 April 2024 | | 44.76 | 10.95 | 0.39 | 0.0 | 0.0 | 11.34 | 0.0 | 0.0 | 0.0 | 11.34 |
|
||
| 5 | 30 | 01 May 2024 | | 33.81 | 10.95 | 0.39 | 0.0 | 0.0 | 11.34 | 0.0 | 0.0 | 0.0 | 11.34 |
|
||
| 6 | 31 | 01 June 2024 | | 22.67 | 11.14 | 0.2 | 0.0 | 0.0 | 11.34 | 0.0 | 0.0 | 0.0 | 11.34 |
|
||
| 7 | 30 | 01 July 2024 | | 11.46 | 11.21 | 0.13 | 0.0 | 0.0 | 11.34 | 0.0 | 0.0 | 0.0 | 11.34 |
|
||
| 8 | 31 | 01 August 2024 | | 0.0 | 11.46 | 0.07 | 0.0 | 0.0 | 11.53 | 0.0 | 0.0 | 0.0 | 11.53 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.25 | 0.0 | 0.0 | 102.25 | 34.02 | 0.0 | 0.0 | 68.23 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
| 01 March 2024 | Re-age | 67.05 | 67.05 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "01 May 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 0 | 01 March 2024 | 01 May 2024 | 55.71 | 11.34 | 0.0 | 0.0 | 0.0 | 11.34 | 11.34 | 0.0 | 11.34 | 0.0 |
|
||
| 4 | 31 | 01 April 2024 | 01 May 2024 | 44.76 | 10.95 | 0.39 | 0.0 | 0.0 | 11.34 | 11.34 | 0.0 | 11.34 | 0.0 |
|
||
| 5 | 30 | 01 May 2024 | 01 May 2024 | 33.81 | 10.95 | 0.39 | 0.0 | 0.0 | 11.34 | 11.34 | 0.0 | 0.0 | 0.0 |
|
||
| 6 | 31 | 01 June 2024 | 01 May 2024 | 22.47 | 11.34 | 0.0 | 0.0 | 0.0 | 11.34 | 11.34 | 11.34 | 0.0 | 0.0 |
|
||
| 7 | 30 | 01 July 2024 | 01 May 2024 | 11.13 | 11.34 | 0.0 | 0.0 | 0.0 | 11.34 | 11.34 | 11.34 | 0.0 | 0.0 |
|
||
| 8 | 31 | 01 August 2024 | 01 May 2024 | 0.0 | 11.13 | 0.0 | 0.0 | 0.0 | 11.13 | 11.13 | 11.13 | 0.0 | 0.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.85 | 0.0 | 0.0 | 101.85 | 101.85 | 33.81 | 22.68 | 0.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
| 01 March 2024 | Re-age | 67.05 | 67.05 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 March 2024 | Accrual Activity | 0.49 | 0.0 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Accrual Activity | 0.39 | 0.0 | 0.39 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 May 2024 | Repayment | 67.83 | 67.05 | 0.78 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 May 2024 | Accrual | 1.85 | 0.0 | 1.85 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 May 2024 | Accrual Activity | 0.39 | 0.0 | 0.39 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
@TestRailId:C4233
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - with NEXT_INSTALLMENT allocation rule and partial repayment - UC5.3
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 25.0 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 7.99 | 7.99 | 0.0 | 9.02 |
|
||
| 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 25.0 | 7.99 | 0.0 | 77.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 6 |
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 75.58 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 |
|
||
| 3 | 0 | 01 March 2024 | | 63.16 | 12.42 | 0.44 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
| 4 | 31 | 01 April 2024 | | 50.7 | 12.46 | 0.4 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
| 5 | 30 | 01 May 2024 | | 38.14 | 12.56 | 0.3 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
| 6 | 31 | 01 June 2024 | | 25.5 | 12.64 | 0.22 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
| 7 | 30 | 01 July 2024 | | 12.79 | 12.71 | 0.15 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
| 8 | 31 | 01 August 2024 | | 0.0 | 12.79 | 0.07 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.16 | 0.0 | 0.0 | 102.16 | 25.0 | 7.99 | 0.0 | 77.16 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
| 01 March 2024 | Re-age | 76.02 | 75.58 | 0.44 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 75.58 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 |
|
||
| 3 | 0 | 01 March 2024 | 15 March 2024 | 63.16 | 12.42 | 0.44 | 0.0 | 0.0 | 12.86 | 12.86 | 0.0 | 12.86 | 0.0 |
|
||
| 4 | 31 | 01 April 2024 | 15 March 2024 | 50.5 | 12.66 | 0.2 | 0.0 | 0.0 | 12.86 | 12.86 | 12.86 | 0.0 | 0.0 |
|
||
| 5 | 30 | 01 May 2024 | 15 March 2024 | 37.64 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 | 12.86 | 12.86 | 0.0 | 0.0 |
|
||
| 6 | 31 | 01 June 2024 | 15 March 2024 | 24.78 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 | 12.86 | 12.86 | 0.0 | 0.0 |
|
||
| 7 | 30 | 01 July 2024 | 15 March 2024 | 11.92 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 | 12.86 | 12.86 | 0.0 | 0.0 |
|
||
| 8 | 31 | 01 August 2024 | 15 March 2024 | 0.0 | 11.92 | 0.0 | 0.0 | 0.0 | 11.92 | 11.92 | 11.92 | 0.0 | 0.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.22 | 0.0 | 0.0 | 101.22 | 101.22 | 71.35 | 12.86 | 0.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 March 2024 | Re-age | 76.02 | 75.58 | 0.44 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 March 2024 | Accrual Activity | 0.44 | 0.0 | 0.44 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Repayment | 76.22 | 75.58 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Accrual | 1.22 | 0.0 | 1.22 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Accrual Activity | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
@TestRailId:C4085 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - Chargeback after re-aging - UC6
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024| 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Admin sets the business date to "01 April 2024"
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.46 | 30.22 | 1.09 | 0.0 | 0.0 | 31.31 | 0.0 | 0.0 | 0.0 | 31.31 |
|
||
| 6 | 31 | 01 June 2024 | | 42.49 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.44 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.31 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 14.31 | 0.08 | 0.0 | 0.0 | 14.39 | 0.0 | 0.0 | 0.0 | 14.39 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 116.43 | 3.48 | 0.0 | 0.0 | 119.91 | 17.01 | 0.0 | 0.0 | 102.9 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false |
|
||
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4086 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - DownPayment Scenarios - UC7
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_PYMNT_INTEREST_RECALCULATION_DAILY_EMI_360_30_MULTIDISBURSE_AUTO_DOWNPAYMENT" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_RECALCULATION_DAILY_EMI_360_30_MULTIDISBURSE_AUTO_DOWNPAYMENT | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2024 | | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
||
| 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
||
| 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
||
| 5 | 30 | 01 May 2024 | | 25.28 | 12.54 | 0.22 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
||
| 6 | 31 | 01 June 2024 | | 12.67 | 12.61 | 0.15 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
||
| 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 25.0 | 0.0 | 0.0 | 76.54 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 12.76 EUR transaction amount
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2024| 01 February 2024 | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
||
| 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
||
| 5 | 30 | 01 May 2024 | | 25.28 | 12.54 | 0.22 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
||
| 6 | 31 | 01 June 2024 | | 12.67 | 12.61 | 0.15 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 |
|
||
| 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 37.76 | 0.0 | 0.0 | 63.78 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false |
|
||
| 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 6 |
|
||
Then Loan Repayment schedule has 10 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 31 | 01 February 2024 | 01 February 2024 | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 29 | 01 March 2024 | 15 March 2024 | 62.68 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 14 | 15 March 2024 | 15 March 2024 | 62.68 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 17 | 01 April 2024 | | 52.69 | 9.99 | 0.74 | 0.0 | 0.0 | 10.73 | 0.0 | 0.0 | 0.0 | 10.73 |
|
||
| 6 | 30 | 01 May 2024 | | 42.27 | 10.42 | 0.31 | 0.0 | 0.0 | 10.73 | 0.0 | 0.0 | 0.0 | 10.73 |
|
||
| 7 | 31 | 01 June 2024 | | 31.79 | 10.48 | 0.25 | 0.0 | 0.0 | 10.73 | 0.0 | 0.0 | 0.0 | 10.73 |
|
||
| 8 | 30 | 01 July 2024 | | 21.25 | 10.54 | 0.19 | 0.0 | 0.0 | 10.73 | 0.0 | 0.0 | 0.0 | 10.73 |
|
||
| 9 | 31 | 01 August 2024 | | 10.64 | 10.61 | 0.12 | 0.0 | 0.0 | 10.73 | 0.0 | 0.0 | 0.0 | 10.73 |
|
||
| 10 | 31 | 01 September 2024 | | 0.0 | 10.64 | 0.06 | 0.0 | 0.0 | 10.7 | 0.0 | 0.0 | 0.0 | 10.7 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.11 | 0.0 | 0.0 | 102.11 | 37.76 | 0.0 | 0.0 | 64.35 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false |
|
||
| 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false |
|
||
| 15 March 2024 | Re-age | 63.22 | 62.68 | 0.54 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4087 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - reverse-repay, backdated repayment - UC8
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Admin sets the business date to "01 April 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 67.05 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 56.04 | 11.01 | 0.39 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 |
|
||
| 5 | 30 | 01 May 2024 | | 44.97 | 11.07 | 0.33 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 |
|
||
| 6 | 31 | 01 June 2024 | | 33.83 | 11.14 | 0.26 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 |
|
||
| 7 | 30 | 01 July 2024 | | 22.63 | 11.2 | 0.2 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 |
|
||
| 8 | 31 | 01 August 2024 | | 11.36 | 11.27 | 0.13 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 11.36 | 0.07 | 0.0 | 0.0 | 11.43 | 0.0 | 0.0 | 0.0 | 11.43 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.45 | 0.0 | 0.0 | 102.45 | 34.02 | 0.0 | 0.0 | 68.43 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
| 15 March 2024 | Re-age | 67.23 | 67.05 | 0.18 | 0.0 | 0.0 | 0.0 | false | true |
|
||
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4218 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - reverse-repay, reversal of backdated repayment - UC8.1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Admin sets the business date to "01 April 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 67.05 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 56.04 | 11.01 | 0.39 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 |
|
||
| 5 | 30 | 01 May 2024 | | 44.97 | 11.07 | 0.33 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 |
|
||
| 6 | 31 | 01 June 2024 | | 33.83 | 11.14 | 0.26 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 |
|
||
| 7 | 30 | 01 July 2024 | | 22.63 | 11.2 | 0.2 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 |
|
||
| 8 | 31 | 01 August 2024 | | 11.36 | 11.27 | 0.13 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 11.36 | 0.07 | 0.0 | 0.0 | 11.43 | 0.0 | 0.0 | 0.0 | 11.43 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.45 | 0.0 | 0.0 | 102.45 | 34.02 | 0.0 | 0.0 | 68.43 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
| 15 March 2024 | Re-age | 67.23 | 67.05 | 0.18 | 0.0 | 0.0 | 0.0 | false | true |
|
||
When Customer undo "1"th transaction made on "01 March 2024"
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | true | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | true |
|
||
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4088 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - reversal of Re-aging - UC9
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Admin sets the business date to "01 April 2024"
|
||
When Admin successfully undo Loan re-aging transaction
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.15 | 0.0 | 0.0 | 102.15 | 17.01 | 0.0 | 0.0 | 85.14 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | true | false |
|
||
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4089 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Re-aging is forbidden on charged-off loan, interest bearing loan, Interest calculation: Default Behavior, Charge-off scenario (zero interest) - UC10
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
When Admin sets the business date to "01 March 2024"
|
||
And Admin does charge-off the loan on "01 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.04 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.03 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.02 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.02 | 0.0 | 0.0 | 0.0 | 16.02 | 0.0 | 0.0 | 0.0 | 16.02 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.07 | 0.0 | 0.0 | 101.07 | 17.01 | 0.0 | 0.0 | 84.06 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 March 2024 | Charge-off | 84.06 | 83.57 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Admin fails to create a Loan re-aging transaction with the following data because loan was charged-off:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 6 |
|
||
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4131 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Re-aging is forbidden on charged-off loan, interest bearing loan, Interest calculation: Default Behavior, Charge-off scenario (regular) - UC10.1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
When Admin sets the business date to "01 March 2024"
|
||
And Admin does charge-off the loan on "01 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 March 2024 | Charge-off | 85.04 | 83.57 | 1.47 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Admin fails to create a Loan re-aging transaction with the following data because loan was charged-off:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 6 |
|
||
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4132 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Re-aging is forbidden on contract terminated loan, interest bearing loan, Interest calculation: Default Behavior - UC10.2
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_CONTRACT_TERMINATION | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
|
||
When Admin sets the business date to "1 March 2024"
|
||
And Admin successfully terminates loan contract
|
||
Then Loan Repayment schedule has 2 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 0.0 | 83.57 | 0.49 | 0.0 | 0.0 | 84.06 | 0.0 | 0.0 | 0.0 | 84.06 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.07 | 0.0 | 0.0 | 101.07 | 17.01 | 0.0 | 0.0 | 84.06 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 March 2024 | Contract Termination | 84.06 | 83.57 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
When Admin sets the business date to "15 April 2024"
|
||
Then Admin fails to create a Loan re-aging transaction with the following data because loan was contract terminated:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 May 2024 | 6 |
|
||
|
||
When Loan Pay-off is made on "15 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4090 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Re-aging is forbidden on charged-off loan, interest bearing loan, Interest calculation: Default Behavior, Charge-off scenario (accelerate maturity) - UC11
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
When Admin sets the business date to "01 March 2024"
|
||
And Admin does charge-off the loan on "01 March 2024"
|
||
Then Loan Repayment schedule has 2 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 0.0 | 83.57 | 0.49 | 0.0 | 0.0 | 84.06 | 0.0 | 0.0 | 0.0 | 84.06 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.07 | 0.0 | 0.0 | 101.07 | 17.01 | 0.0 | 0.0 | 84.06 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 March 2024 | Charge-off | 84.06 | 83.57 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Admin fails to create a Loan re-aging transaction with the following data because loan was charged-off:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 6 |
|
||
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4091 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - Fees and Interest Split after re-aging - UC12
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
When Admin sets the business date to "15 February 2024"
|
||
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 May 2024" due date and 10 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 10.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 10.0 | 0.0 | 112.05 | 17.01 | 0.0 | 0.0 | 95.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| Snooze fee | false | Specified due date | 15 May 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 10.0 | 0.0 | 24.3 | 0.0 | 0.0 | 0.0 | 24.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 10.0 | 0.0 | 112.8 | 17.01 | 0.0 | 0.0 | 95.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| Snooze fee | false | Specified due date | 15 May 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
|
||
When Admin sets the business date to "01 April 2024"
|
||
When Admin successfully undo Loan re-aging transaction
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 10.0 | 0.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.15 | 10.0 | 0.0 | 112.15 | 17.01 | 0.0 | 0.0 | 95.14 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | true | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| Snooze fee | false | Specified due date | 15 May 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4196 @AdvancedPaymentAllocation
|
||
Scenario: Verify Re-aging reversal on interest bearing loan - UC1: Interest handling: DEFAULT
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false |
|
||
# --- Reversal of re-age transaction ---
|
||
When Admin sets the business date to "01 April 2024"
|
||
And Admin successfully undo Loan re-aging transaction
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.15 | 0.0 | 0.0 | 102.15 | 17.01 | 0.0 | 0.0 | 85.14 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | true |
|
||
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@Skip @TestRailId:C4197 @AdvancedPaymentAllocation
|
||
Scenario: Verify Re-aging reversal on interest bearing loan - UC2: Interest handling: WAIVE_INTEREST
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
# TODO investigate numbers 15 March 2024
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | WAIVE_INTEREST |
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | | 69.66 | 13.91 | 0.27 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 |
|
||
| 4 | 30 | 01 May 2024 | | 55.89 | 13.77 | 0.41 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 |
|
||
| 5 | 31 | 01 June 2024 | | 42.04 | 13.85 | 0.33 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 |
|
||
| 6 | 30 | 01 July 2024 | | 28.11 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 |
|
||
| 7 | 31 | 01 August 2024 | | 14.09 | 14.02 | 0.16 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 |
|
||
| 8 | 31 | 01 September 2024 | | 0.0 | 14.09 | 0.08 | 0.0 | 0.0 | 14.17 | 0.0 | 0.0 | 0.0 | 14.17 |
|
||
# TODO fix numbers
|
||
# And Loan Repayment schedule has the following data in Total row:
|
||
# | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
# | 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false |
|
||
| 15 March 2024 | Interest waive | 0.71 | 0.0 | 0.71 | 0.0 | 0.0 | 0.0 | false |
|
||
# --- Reversal of re-age transaction ---
|
||
When Admin sets the business date to "01 April 2024"
|
||
And Admin successfully undo Loan re-aging transaction
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.15 | 0.0 | 0.0 | 102.15 | 17.01 | 0.0 | 0.0 | 85.14 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | true |
|
||
| 15 March 2024 | Interest waive | 0.71 | 0.0 | 0.71 | 0.0 | 0.0 | 0.0 | true |
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4202 @AdvancedPaymentAllocation
|
||
Scenario: Verify Re-aging reversal on interest bearing loan - UC5: Interest handling: DEFAULT, re-aging is NOT the latest transaction on loan
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false |
|
||
# --- Transaction after re-aging ---
|
||
When Admin sets the business date to "16 March 2024"
|
||
And Customer makes "AUTOPAY" repayment on "16 March 2024" with 14.3 EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | 16 March 2024 | 70.0 | 13.57 | 0.73 | 0.0 | 0.0 | 14.3 | 14.3 | 14.3 | 0.0 | 0.0 |
|
||
| 5 | 30 | 01 May 2024 | | 56.32 | 13.68 | 0.62 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.35 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.3 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.17 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.17 | 0.08 | 0.0 | 0.0 | 14.25 | 0.0 | 0.0 | 0.0 | 14.25 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.76 | 0.0 | 0.0 | 102.76 | 31.31 | 14.3 | 0.0 | 71.45 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 16 March 2024 | Repayment | 14.3 | 13.57 | 0.73 | 0.0 | 0.0 | 70.0 | false | false |
|
||
# --- Reversal of re-age transaction ---
|
||
When Admin sets the business date to "01 April 2024"
|
||
And Admin successfully undo Loan re-aging transaction
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 14.3 | 0.0 | 14.3 | 2.71 |
|
||
| 3 | 31 | 01 April 2024 | | 50.49 | 16.56 | 0.45 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.77 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.96 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.96 | 0.1 | 0.0 | 0.0 | 17.06 | 0.0 | 0.0 | 0.0 | 17.06 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.11 | 0.0 | 0.0 | 102.11 | 31.31 | 0.0 | 14.3 | 70.8 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | true | false |
|
||
| 16 March 2024 | Repayment | 14.3 | 13.81 | 0.49 | 0.0 | 0.0 | 69.76 | false | true |
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4110 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - backdated re-aging transaction - UC16
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
When Admin sets the business date to "01 March 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 34.02 | 0.0 | 0.0 | 68.03 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false |
|
||
When Admin sets the business date to "01 June 2024"
|
||
# Backdated re-aging - created in June but effective from April 01
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | 01 April 2024 | 67.05 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 0 | 01 April 2024 | | 56.04 | 11.01 | 0.39 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 |
|
||
| 5 | 30 | 01 May 2024 | | 45.03 | 11.01 | 0.39 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 |
|
||
| 6 | 31 | 01 June 2024 | | 34.02 | 11.01 | 0.39 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 |
|
||
| 7 | 30 | 01 July 2024 | | 22.82 | 11.2 | 0.2 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 |
|
||
| 8 | 31 | 01 August 2024 | | 11.55 | 11.27 | 0.13 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 11.55 | 0.07 | 0.0 | 0.0 | 11.62 | 0.0 | 0.0 | 0.0 | 11.62 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.64 | 0.0 | 0.0 | 102.64 | 34.02 | 0.0 | 0.0 | 68.62 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
| 01 April 2024 | Re-age | 67.44 | 67.05 | 0.39 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
@TestRailId:C4154 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - re-aging on same day as disbursement - UC16.1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 January 2024 | 6 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 January 2024 | Re-age | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
|
||
|
||
@TestRailId:C4155 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - validation that reAgeStartDate must be after disbursement date - UC16.2
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "15 February 2024"
|
||
When Admin fails to create a Loan re-aging transaction with status code 400 error "validation.msg.validation.errors.exist" and with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 31 December 2023 | 6 |
|
||
|
||
@TestRailId:C4156 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - Verify backdated re-aging on the day of repayment with interest recalculation enabled - UC16.3
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
When Admin sets the business date to "01 March 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 34.02 | 0.0 | 0.0 | 68.03 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false |
|
||
When Admin sets the business date to "01 June 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 February 2024 | 6 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 0 | 01 February 2024 | 01 March 2024 | 69.44 | 14.13 | 0.0 | 0.0 | 0.0 | 14.13 | 14.13 | 0.0 | 14.13 | 0.0 |
|
||
| 3 | 29 | 01 March 2024 | | 55.8 | 13.64 | 0.49 | 0.0 | 0.0 | 14.13 | 2.88 | 0.0 | 0.0 | 11.25 |
|
||
| 4 | 31 | 01 April 2024 | | 42.06 | 13.74 | 0.39 | 0.0 | 0.0 | 14.13 | 0.0 | 0.0 | 0.0 | 14.13 |
|
||
| 5 | 30 | 01 May 2024 | | 28.32 | 13.74 | 0.39 | 0.0 | 0.0 | 14.13 | 0.0 | 0.0 | 0.0 | 14.13 |
|
||
| 6 | 31 | 01 June 2024 | | 14.58 | 13.74 | 0.39 | 0.0 | 0.0 | 14.13 | 0.0 | 0.0 | 0.0 | 14.13 |
|
||
| 7 | 30 | 01 July 2024 | | 0.0 | 14.58 | 0.09 | 0.0 | 0.0 | 14.67 | 0.0 | 0.0 | 0.0 | 14.67 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.33 | 0.0 | 0.0 | 102.33 | 34.02 | 0.0 | 14.13 | 68.31 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 February 2024 | Re-age | 83.57 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 66.56 | false | true |
|
||
When Loan Pay-off is made on "01 June 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 0 | 01 February 2024 | 01 March 2024 | 69.44 | 14.13 | 0.0 | 0.0 | 0.0 | 14.13 | 14.13 | 0.0 | 14.13 | 0.0 |
|
||
| 3 | 29 | 01 March 2024 | 01 June 2024 | 55.8 | 13.64 | 0.49 | 0.0 | 0.0 | 14.13 | 14.13 | 0.0 | 11.25 | 0.0 |
|
||
| 4 | 31 | 01 April 2024 | 01 June 2024 | 42.06 | 13.74 | 0.39 | 0.0 | 0.0 | 14.13 | 14.13 | 0.0 | 14.13 | 0.0 |
|
||
| 5 | 30 | 01 May 2024 | 01 June 2024 | 28.32 | 13.74 | 0.39 | 0.0 | 0.0 | 14.13 | 14.13 | 0.0 | 14.13 | 0.0 |
|
||
| 6 | 31 | 01 June 2024 | 01 June 2024 | 14.58 | 13.74 | 0.39 | 0.0 | 0.0 | 14.13 | 14.13 | 0.0 | 0.0 | 0.0 |
|
||
| 7 | 30 | 01 July 2024 | 01 June 2024 | 0.0 | 14.58 | 0.0 | 0.0 | 0.0 | 14.58 | 14.58 | 14.58 | 0.0 | 0.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.24 | 0.0 | 0.0 | 102.24 | 102.24 | 14.58 | 53.64 | 0.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 February 2024 | Re-age | 83.57 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 66.56 | false | true |
|
||
| 01 June 2024 | Repayment | 68.22 | 66.56 | 1.66 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 June 2024 | Accrual | 2.24 | 0.0 | 2.24 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
@TestRailId:С4268 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - with LAST_INSTALLMENT allocation rule and partial repayment, due date and frequency changed - UC5.1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "LAST_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 25.0 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.33 | 16.67 | 0.34 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.57 | 16.76 | 0.25 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.71 | 16.86 | 0.15 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.71 | 0.05 | 0.0 | 0.0 | 16.76 | 7.99 | 7.99 | 0.0 | 8.77 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.81 | 0.0 | 0.0 | 101.81 | 25.0 | 7.99 | 0.0 | 76.81 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 2 | WEEKS | 15 April 2024 | 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 75.58 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 |
|
||
| 4 | 31 | 15 April 2024 | | 63.8 | 11.78 | 1.08 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
| 5 | 14 | 29 April 2024 | | 51.11 | 12.69 | 0.17 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
| 6 | 14 | 13 May 2024 | | 38.39 | 12.72 | 0.14 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
| 7 | 14 | 27 May 2024 | | 25.63 | 12.76 | 0.1 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
| 8 | 14 | 10 June 2024 | | 12.84 | 12.79 | 0.07 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
| 9 | 14 | 24 June 2024 | | 0.0 | 12.84 | 0.03 | 0.0 | 0.0 | 12.87 | 0.0 | 0.0 | 0.0 | 12.87 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.17 | 0.0 | 0.0 | 102.17 | 25.0 | 7.99 | 0.0 | 77.17 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
| 15 March 2024 | Re-age | 76.22 | 75.58 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 75.58 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 |
|
||
| 4 | 31 | 15 April 2024 | 15 March 2024 | 64.31 | 11.27 | 0.64 | 0.0 | 0.0 | 11.91 | 11.91 | 11.91 | 0.0 | 0.0 |
|
||
| 5 | 14 | 29 April 2024 | 15 March 2024 | 51.45 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 | 12.86 | 12.86 | 0.0 | 0.0 |
|
||
| 6 | 14 | 13 May 2024 | 15 March 2024 | 38.59 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 | 12.86 | 12.86 | 0.0 | 0.0 |
|
||
| 7 | 14 | 27 May 2024 | 15 March 2024 | 25.73 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 | 12.86 | 12.86 | 0.0 | 0.0 |
|
||
| 8 | 14 | 10 June 2024 | 15 March 2024 | 12.87 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 | 12.86 | 12.86 | 0.0 | 0.0 |
|
||
| 9 | 14 | 24 June 2024 | 15 March 2024 | 0.0 | 12.87 | 0.0 | 0.0 | 0.0 | 12.87 | 12.87 | 12.87 | 0.0 | 0.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.22 | 0.0 | 0.0 | 101.22 | 101.22 | 84.21 | 0.0 | 0.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Re-age | 76.22 | 75.58 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Repayment | 76.22 | 75.58 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Accrual | 1.22 | 0.0 | 1.22 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Accrual Activity | 0.64 | 0.0 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
|
||
@TestRailId:С4269 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - re-aging on paid installment date, due date and frequency changed - UC5.2
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
When Admin sets the business date to "01 March 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 34.02 | 0.0 | 0.0 | 68.03 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
When Admin sets the business date to "01 May 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 2 | WEEKS | 02 March 2024 | 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 1 | 02 March 2024 | 02 March 2024 | 67.05 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 0 | 02 March 2024 | | 55.81 | 11.24 | 0.01 | 0.0 | 0.0 | 11.25 | 0.0 | 0.0 | 0.0 | 11.25 |
|
||
| 5 | 14 | 16 March 2024 | | 44.74 | 11.07 | 0.18 | 0.0 | 0.0 | 11.25 | 0.0 | 0.0 | 0.0 | 11.25 |
|
||
| 6 | 14 | 30 March 2024 | | 33.67 | 11.07 | 0.18 | 0.0 | 0.0 | 11.25 | 0.0 | 0.0 | 0.0 | 11.25 |
|
||
| 7 | 14 | 13 April 2024 | | 22.6 | 11.07 | 0.18 | 0.0 | 0.0 | 11.25 | 0.0 | 0.0 | 0.0 | 11.25 |
|
||
| 8 | 14 | 27 April 2024 | | 11.53 | 11.07 | 0.18 | 0.0 | 0.0 | 11.25 | 0.0 | 0.0 | 0.0 | 11.25 |
|
||
| 9 | 14 | 11 May 2024 | | 0.0 | 11.53 | 0.07 | 0.0 | 0.0 | 11.6 | 0.0 | 0.0 | 0.0 | 11.6 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.87 | 0.0 | 0.0 | 101.87 | 34.02 | 0.0 | 0.0 | 67.85 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
| 02 March 2024 | Re-age | 67.06 | 67.05 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "01 May 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 1 | 02 March 2024 | 02 March 2024 | 67.05 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 0 | 02 March 2024 | 01 May 2024 | 55.81 | 11.24 | 0.01 | 0.0 | 0.0 | 11.25 | 11.25 | 0.0 | 11.25 | 0.0 |
|
||
| 5 | 14 | 16 March 2024 | 01 May 2024 | 44.74 | 11.07 | 0.18 | 0.0 | 0.0 | 11.25 | 11.25 | 0.0 | 11.25 | 0.0 |
|
||
| 6 | 14 | 30 March 2024 | 01 May 2024 | 33.67 | 11.07 | 0.18 | 0.0 | 0.0 | 11.25 | 11.25 | 0.0 | 11.25 | 0.0 |
|
||
| 7 | 14 | 13 April 2024 | 01 May 2024 | 22.6 | 11.07 | 0.18 | 0.0 | 0.0 | 11.25 | 11.25 | 0.0 | 11.25 | 0.0 |
|
||
| 8 | 14 | 27 April 2024 | 01 May 2024 | 11.53 | 11.07 | 0.18 | 0.0 | 0.0 | 11.25 | 11.25 | 0.0 | 11.25 | 0.0 |
|
||
| 9 | 14 | 11 May 2024 | 01 May 2024 | 0.0 | 11.53 | 0.05 | 0.0 | 0.0 | 11.58 | 11.58 | 11.58 | 0.0 | 0.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.85 | 0.0 | 0.0 | 101.85 | 101.85 | 11.58 | 56.25 | 0.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
| 01 March 2024 | Accrual Activity | 0.49 | 0.0 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 02 March 2024 | Re-age | 67.06 | 67.05 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 02 March 2024 | Accrual Activity | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 16 March 2024 | Accrual Activity | 0.18 | 0.0 | 0.18 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 30 March 2024 | Accrual Activity | 0.18 | 0.0 | 0.18 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 13 April 2024 | Accrual Activity | 0.18 | 0.0 | 0.18 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 27 April 2024 | Accrual Activity | 0.18 | 0.0 | 0.18 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 May 2024 | Repayment | 67.83 | 67.05 | 0.78 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 May 2024 | Accrual | 1.85 | 0.0 | 1.85 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 May 2024 | Accrual Activity | 0.05 | 0.0 | 0.05 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
@TestRailId:С4270 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - with NEXT_INSTALLMENT allocation rule and partial repayment, due date and frequency changed - UC5.3
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 25.0 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 7.99 | 7.99 | 0.0 | 9.02 |
|
||
| 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 25.0 | 7.99 | 0.0 | 77.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024 | 6 |
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 75.58 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 |
|
||
| 3 | 0 | 01 March 2024 | | 63.16 | 12.42 | 0.44 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
| 4 | 31 | 01 April 2024 | | 50.7 | 12.46 | 0.4 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
| 5 | 30 | 01 May 2024 | | 38.14 | 12.56 | 0.3 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
| 6 | 31 | 01 June 2024 | | 25.5 | 12.64 | 0.22 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
| 7 | 30 | 01 July 2024 | | 12.79 | 12.71 | 0.15 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
| 8 | 31 | 01 August 2024 | | 0.0 | 12.79 | 0.07 | 0.0 | 0.0 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.16 | 0.0 | 0.0 | 102.16 | 25.0 | 7.99 | 0.0 | 77.16 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
| 01 March 2024 | Re-age | 76.02 | 75.58 | 0.44 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 75.58 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 |
|
||
| 3 | 0 | 01 March 2024 | 15 March 2024 | 63.16 | 12.42 | 0.44 | 0.0 | 0.0 | 12.86 | 12.86 | 0.0 | 12.86 | 0.0 |
|
||
| 4 | 31 | 01 April 2024 | 15 March 2024 | 50.5 | 12.66 | 0.2 | 0.0 | 0.0 | 12.86 | 12.86 | 12.86 | 0.0 | 0.0 |
|
||
| 5 | 30 | 01 May 2024 | 15 March 2024 | 37.64 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 | 12.86 | 12.86 | 0.0 | 0.0 |
|
||
| 6 | 31 | 01 June 2024 | 15 March 2024 | 24.78 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 | 12.86 | 12.86 | 0.0 | 0.0 |
|
||
| 7 | 30 | 01 July 2024 | 15 March 2024 | 11.92 | 12.86 | 0.0 | 0.0 | 0.0 | 12.86 | 12.86 | 12.86 | 0.0 | 0.0 |
|
||
| 8 | 31 | 01 August 2024 | 15 March 2024 | 0.0 | 11.92 | 0.0 | 0.0 | 0.0 | 11.92 | 11.92 | 11.92 | 0.0 | 0.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.22 | 0.0 | 0.0 | 101.22 | 101.22 | 71.35 | 12.86 | 0.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 March 2024 | Re-age | 76.02 | 75.58 | 0.44 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 March 2024 | Accrual Activity | 0.44 | 0.0 | 0.44 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Repayment | 76.22 | 75.58 | 0.64 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Accrual | 1.22 | 0.0 | 1.22 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Accrual Activity | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
@TestRailId:С4271 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - re-aging with NEXT_INSTALLMENT allocation rule and overDue installments, due date and frequency changed - UC5.4
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
When Admin sets the business date to "01 March 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 34.02 | 0.0 | 0.0 | 68.03 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
When Admin sets the business date to "01 May 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 2 | WEEKS | 02 April 2024 | 6 |
|
||
Then Loan Repayment schedule has 10 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | 02 April 2024 | 67.05 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 1 | 02 April 2024 | 02 April 2024 | 67.05 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 02 April 2024 | | 56.13 | 10.92 | 0.4 | 0.0 | 0.0 | 11.32 | 0.0 | 0.0 | 0.0 | 11.32 |
|
||
| 6 | 14 | 16 April 2024 | | 44.99 | 11.14 | 0.18 | 0.0 | 0.0 | 11.32 | 0.0 | 0.0 | 0.0 | 11.32 |
|
||
| 7 | 14 | 30 April 2024 | | 33.85 | 11.14 | 0.18 | 0.0 | 0.0 | 11.32 | 0.0 | 0.0 | 0.0 | 11.32 |
|
||
| 8 | 14 | 14 May 2024 | | 22.63 | 11.22 | 0.1 | 0.0 | 0.0 | 11.32 | 0.0 | 0.0 | 0.0 | 11.32 |
|
||
| 9 | 14 | 28 May 2024 | | 11.37 | 11.26 | 0.06 | 0.0 | 0.0 | 11.32 | 0.0 | 0.0 | 0.0 | 11.32 |
|
||
| 10 | 14 | 11 June 2024 | | 0.0 | 11.37 | 0.03 | 0.0 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 11.4 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.02 | 0.0 | 0.0 | 102.02 | 34.02 | 0.0 | 0.0 | 68.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
| 02 April 2024 | Re-age | 67.45 | 67.05 | 0.4 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "01 May 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
Then Loan Repayment schedule has 10 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | 02 April 2024 | 67.05 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 1 | 02 April 2024 | 02 April 2024 | 67.05 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 0 | 02 April 2024 | 01 May 2024 | 56.13 | 10.92 | 0.4 | 0.0 | 0.0 | 11.32 | 11.32 | 0.0 | 11.32 | 0.0 |
|
||
| 6 | 14 | 16 April 2024 | 01 May 2024 | 44.99 | 11.14 | 0.18 | 0.0 | 0.0 | 11.32 | 11.32 | 0.0 | 11.32 | 0.0 |
|
||
| 7 | 14 | 30 April 2024 | 01 May 2024 | 33.85 | 11.14 | 0.18 | 0.0 | 0.0 | 11.32 | 11.32 | 0.0 | 11.32 | 0.0 |
|
||
| 8 | 14 | 14 May 2024 | 01 May 2024 | 22.54 | 11.31 | 0.01 | 0.0 | 0.0 | 11.32 | 11.32 | 11.32 | 0.0 | 0.0 |
|
||
| 9 | 14 | 28 May 2024 | 01 May 2024 | 11.22 | 11.32 | 0.0 | 0.0 | 0.0 | 11.32 | 11.32 | 11.32 | 0.0 | 0.0 |
|
||
| 10 | 14 | 11 June 2024 | 01 May 2024 | 0.0 | 11.22 | 0.0 | 0.0 | 0.0 | 11.22 | 11.22 | 11.22 | 0.0 | 0.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.84 | 0.0 | 0.0 | 101.84 | 101.84 | 33.86 | 33.96 | 0.0 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
| 01 March 2024 | Accrual Activity | 0.49 | 0.0 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 02 April 2024 | Re-age | 67.45 | 67.05 | 0.4 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 02 April 2024 | Accrual Activity | 0.4 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 16 April 2024 | Accrual Activity | 0.18 | 0.0 | 0.18 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 30 April 2024 | Accrual Activity | 0.18 | 0.0 | 0.18 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 May 2024 | Repayment | 67.82 | 67.05 | 0.77 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 May 2024 | Accrual | 1.84 | 0.0 | 1.84 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 May 2024 | Accrual Activity | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
@TestRailId:C4249 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging trn with 2nd disb and partial chargeback(with custom pmnt alloc) after re-age - interest bearing multidisb loan with default behaviour - UC1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
When Admin sets the business date to "01 April 2024"
|
||
When Admin successfully disburse the loan on "01 April 2024" with "50" EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 5 | 30 | 01 May 2024 | | 96.48 | 23.77 | 0.7 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 6 | 31 | 01 June 2024 | | 72.57 | 23.91 | 0.56 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 7 | 30 | 01 July 2024 | | 48.52 | 24.05 | 0.42 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 8 | 31 | 01 August 2024 | | 24.33 | 24.19 | 0.28 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 24.33 | 0.14 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 150.0 | 3.66 | 0.0 | 0.0 | 153.66 | 17.01 | 0.0 | 0.0 | 136.65 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false |
|
||
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 5 | 30 | 01 May 2024 | | 96.58 | 40.1 | 1.38 | 0.0 | 0.0 | 41.48 | 0.0 | 0.0 | 0.0 | 41.48 |
|
||
| 6 | 31 | 01 June 2024 | | 72.67 | 23.91 | 0.56 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 7 | 30 | 01 July 2024 | | 48.62 | 24.05 | 0.42 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 8 | 31 | 01 August 2024 | | 24.43 | 24.19 | 0.28 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 24.43 | 0.14 | 0.0 | 0.0 | 24.57 | 0.0 | 0.0 | 0.0 | 24.57 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 166.43 | 4.34 | 0.0 | 0.0 | 170.77 | 17.01 | 0.0 | 0.0 | 153.76 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false |
|
||
| 01 April 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 150.0 | false | false |
|
||
|
||
When Admin successfully undo last disbursal
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.46 | 30.22 | 1.09 | 0.0 | 0.0 | 31.31 | 0.0 | 0.0 | 0.0 | 31.31 |
|
||
| 6 | 31 | 01 June 2024 | | 42.49 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.44 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.31 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.31 | 0.08 | 0.0 | 0.0 | 14.39 | 0.0 | 0.0 | 0.0 | 14.39 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 116.43 | 3.48 | 0.0 | 0.0 | 119.91 | 17.01 | 0.0 | 0.0 | 102.9 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false |
|
||
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4252 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging trn with backdated re-aging before 2nd disb - interest bearing multidisb loan with default re-aging behaviour - UC4
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
|
||
When Admin sets the business date to "01 April 2024"
|
||
When Admin successfully disburse the loan on "01 April 2024" with "50" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 4 | 30 | 01 May 2024 | | 67.25 | 33.28 | 0.59 | 0.0 | 0.0 | 33.87 | 0.0 | 0.0 | 0.0 | 33.87 |
|
||
| 5 | 31 | 01 June 2024 | | 33.77 | 33.48 | 0.39 | 0.0 | 0.0 | 33.87 | 0.0 | 0.0 | 0.0 | 33.87 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 33.77 | 0.2 | 0.0 | 0.0 | 33.97 | 0.0 | 0.0 | 0.0 | 33.97 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 150.0 | 2.74 | 0.0 | 0.0 | 152.74 | 17.01 | 0.0 | 0.0 | 135.73 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false |
|
||
# --- backdated re-aging ---#
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 15 March 2024 | 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 0 | 15 March 2024 | | 70.03 | 13.54 | 0.71 | 0.0 | 0.0 | 14.25 | 0.0 | 0.0 | 0.0 | 14.25 |
|
||
| | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 5 | 31 | 15 April 2024 | | 96.22 | 23.81 | 0.58 | 0.0 | 0.0 | 24.39 | 0.0 | 0.0 | 0.0 | 24.39 |
|
||
| 6 | 30 | 15 May 2024 | | 72.39 | 23.83 | 0.56 | 0.0 | 0.0 | 24.39 | 0.0 | 0.0 | 0.0 | 24.39 |
|
||
| 7 | 31 | 15 June 2024 | | 48.42 | 23.97 | 0.42 | 0.0 | 0.0 | 24.39 | 0.0 | 0.0 | 0.0 | 24.39 |
|
||
| 8 | 30 | 15 July 2024 | | 24.31 | 24.11 | 0.28 | 0.0 | 0.0 | 24.39 | 0.0 | 0.0 | 0.0 | 24.39 |
|
||
| 9 | 31 | 15 August 2024 | | 0.0 | 24.31 | 0.14 | 0.0 | 0.0 | 24.45 | 0.0 | 0.0 | 0.0 | 24.45 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 150.0 | 3.27 | 0.0 | 0.0 | 153.27 | 17.01 | 0.0 | 0.0 | 136.26 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false |
|
||
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4255 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging trn with backdated 2nd disb and chargeback after re-age - interest bearing multidisbursal loan with default behaviour - UC7
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
When Admin sets the business date to "01 April 2024"
|
||
When Admin successfully disburse the loan on "01 March 2024" with "50" EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 133.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 112.04 | 21.53 | 1.27 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 5 | 30 | 01 May 2024 | | 89.89 | 22.15 | 0.65 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 6 | 31 | 01 June 2024 | | 67.61 | 22.28 | 0.52 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 7 | 30 | 01 July 2024 | | 45.2 | 22.41 | 0.39 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 8 | 31 | 01 August 2024 | | 22.66 | 22.54 | 0.26 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 22.66 | 0.13 | 0.0 | 0.0 | 22.79 | 0.0 | 0.0 | 0.0 | 22.79 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 150.0 | 3.8 | 0.0 | 0.0 | 153.8 | 17.01 | 0.0 | 0.0 | 136.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false |
|
||
| 15 March 2024 | Re-age | 134.41 | 133.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | true |
|
||
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 12 EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 133.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 112.04 | 21.53 | 1.27 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 5 | 30 | 01 May 2024 | | 89.96 | 33.5 | 1.3 | 0.0 | 0.0 | 34.8 | 0.0 | 0.0 | 0.0 | 34.8 |
|
||
| 6 | 31 | 01 June 2024 | | 67.68 | 22.28 | 0.52 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 7 | 30 | 01 July 2024 | | 45.27 | 22.41 | 0.39 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 8 | 31 | 01 August 2024 | | 22.73 | 22.54 | 0.26 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 22.73 | 0.13 | 0.0 | 0.0 | 22.86 | 0.0 | 0.0 | 0.0 | 22.86 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 161.42 | 4.45 | 0.0 | 0.0 | 165.87 | 17.01 | 0.0 | 0.0 | 148.86 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false |
|
||
| 15 March 2024 | Re-age | 134.41 | 133.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | true |
|
||
| 01 April 2024 | Chargeback | 12.0 | 11.42 | 0.58 | 0.0 | 0.0 | 144.99 | false | false |
|
||
|
||
# --- undo last disbursement --- #
|
||
# When Admin successfully undo last disbursal
|
||
# Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
# | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
# | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
# | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
# | 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
# | 3 | 14 | 15 March 2024 | | 69.64 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 |
|
||
# | 4 | 31 | 15 April 2024 | | 55.71 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 |
|
||
# | 5 | 30 | 15 May 2024 | | 41.78 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 |
|
||
# | 6 | 31 | 15 June 2024 | | 27.85 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 |
|
||
# | 7 | 30 | 15 July 2024 | | 13.92 | 13.93 | 0.25 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 |
|
||
# | 8 | 31 | 15 August 2024 | | 0.0 | 13.92 | 0.26 | 0.0 | 0.0 | 14.18 | 0.0 | 0.0 | 0.0 | 14.18 |
|
||
# Then Loan Repayment schedule has the following data in Total row:
|
||
# | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
# | 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 0.0 | 85.08 |
|
||
# Then Loan Transactions tab has the following data:
|
||
# | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
# | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
# | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# | 15 March 2024 | Re-age | 85.08 | 83.57 | 1.51 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4258 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging trn with CI after re-age with over applied amount - interest bearing multidisb loan with default behaviour - UC10
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
When Admin sets the business date to "01 April 2024"
|
||
And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "01 April 2024" with "50" EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 5 | 30 | 01 May 2024 | | 96.48 | 23.77 | 0.7 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 6 | 31 | 01 June 2024 | | 72.57 | 23.91 | 0.56 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 7 | 30 | 01 July 2024 | | 48.52 | 24.05 | 0.42 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 8 | 31 | 01 August 2024 | | 24.33 | 24.19 | 0.28 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 24.33 | 0.14 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 150.0 | 3.66 | 0.0 | 0.0 | 153.66 | 17.01 | 0.0 | 0.0 | 136.65 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false |
|
||
|
||
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 14.3 EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | 01 April 2024 | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 14.3 | 0.0 | 0.0 | 0.0 |
|
||
| | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 5 | 30 | 01 May 2024 | | 96.48 | 23.77 | 0.7 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 6 | 31 | 01 June 2024 | | 72.57 | 23.91 | 0.56 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 7 | 30 | 01 July 2024 | | 48.52 | 24.05 | 0.42 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 8 | 31 | 01 August 2024 | | 24.33 | 24.19 | 0.28 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 24.33 | 0.14 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 150.0 | 3.66 | 0.0 | 0.0 | 153.66 | 31.31 | 0.0 | 0.0 | 122.35 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false |
|
||
| 01 April 2024 | Repayment | 14.3 | 13.32 | 0.98 | 0.0 | 0.0 | 120.25 | false | false |
|
||
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4261 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging trn with backdated CI and CI adj after re-age - interest bearing multidisb loan default behaviour - UC13
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
When Admin sets the business date to "01 April 2024"
|
||
And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "01 March 2024" with "50" EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 133.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 112.04 | 21.53 | 1.27 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 5 | 30 | 01 May 2024 | | 89.89 | 22.15 | 0.65 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 6 | 31 | 01 June 2024 | | 67.61 | 22.28 | 0.52 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 7 | 30 | 01 July 2024 | | 45.2 | 22.41 | 0.39 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 8 | 31 | 01 August 2024 | | 22.66 | 22.54 | 0.26 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 22.66 | 0.13 | 0.0 | 0.0 | 22.79 | 0.0 | 0.0 | 0.0 | 22.79 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 150.0 | 3.8 | 0.0 | 0.0 | 153.8 | 17.01 | 0.0 | 0.0 | 136.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false |
|
||
| 15 March 2024 | Re-age | 134.41 | 133.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | true |
|
||
|
||
And Admin adds capitalized income adjustment with "AUTOPAY" payment type to the loan on "01 April 2024" with "20" EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 133.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 112.04 | 21.53 | 1.27 | 0.0 | 0.0 | 22.8 | 20.0 | 0.0 | 0.0 | 2.8 |
|
||
| 5 | 30 | 01 May 2024 | | 89.89 | 22.15 | 0.65 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 6 | 31 | 01 June 2024 | | 67.61 | 22.28 | 0.52 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 7 | 30 | 01 July 2024 | | 45.2 | 22.41 | 0.39 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 8 | 31 | 01 August 2024 | | 22.66 | 22.54 | 0.26 | 0.0 | 0.0 | 22.8 | 0.0 | 0.0 | 0.0 | 22.8 |
|
||
| 9 | 31 | 01 September 2024| | 0.0 | 22.66 | 0.13 | 0.0 | 0.0 | 22.79 | 0.0 | 0.0 | 0.0 | 22.79 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 150.0 | 3.8 | 0.0 | 0.0 | 153.8 | 37.01 | 0.0 | 0.0 | 116.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false |
|
||
| 15 March 2024 | Re-age | 134.41 | 133.57 | 0.84 | 0.0 | 0.0 | 0.0 | false | true |
|
||
| 01 April 2024 | Capitalized Income Adjustment | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 113.57 | false | false |
|
||
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4264 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging trn with 2nd disb and chargeback after re-age - interest bearing multidisb loan that expects tranches with default behaviour - UC16
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with disbursements details and 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 | 1st_tranche_disb_expected_date | 1st_tranche_disb_principal | 2nd_tranche_disb_expected_date | 2nd_tranche_disb_principal |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2024 | 150 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 100.0 | 01 April 2024 | 50.0 |
|
||
And Admin successfully approves the loan on "01 January 2024" with "150" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
||
| 4 | 30 | 01 May 2024 | | 83.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 66.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 50.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
Then Loan Tranche Details tab has the following data:
|
||
| Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
|
||
| 01 January 2024 | 01 January 2024 | 100.0 | |
|
||
| 01 April 2024 | | 50.0 | |
|
||
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
||
| 4 | 30 | 01 May 2024 | | 83.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 66.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 50.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024 | 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
||
| 5 | 30 | 01 May 2024 | | 106.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 92.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 78.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 64.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 50.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
When Admin sets the business date to "01 April 2024"
|
||
When Admin successfully disburse the loan on "01 April 2024" with "50" EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 5 | 30 | 01 May 2024 | | 96.48 | 23.77 | 0.7 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 6 | 31 | 01 June 2024 | | 72.57 | 23.91 | 0.56 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 7 | 30 | 01 July 2024 | | 48.52 | 24.05 | 0.42 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 8 | 31 | 01 August 2024 | | 24.33 | 24.19 | 0.28 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 24.33 | 0.14 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 150.0 | 3.66 | 0.0 | 0.0 | 153.66 | 17.01 | 0.0 | 0.0 | 136.65 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false |
|
||
Then Loan Tranche Details tab has the following data:
|
||
| Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
|
||
| 01 January 2024 | 01 January 2024 | 100.0 | |
|
||
| 01 April 2024 | 01 April 2024 | 50.0 | |
|
||
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 12 EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 5 | 30 | 01 May 2024 | | 96.55 | 35.7 | 0.77 | 0.0 | 0.0 | 36.47 | 0.0 | 0.0 | 0.0 | 36.47 |
|
||
| 6 | 31 | 01 June 2024 | | 72.64 | 23.91 | 0.56 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 7 | 30 | 01 July 2024 | | 48.59 | 24.05 | 0.42 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 8 | 31 | 01 August 2024 | | 24.4 | 24.19 | 0.28 | 0.0 | 0.0 | 24.47 | 0.0 | 0.0 | 0.0 | 24.47 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 24.4 | 0.14 | 0.0 | 0.0 | 24.54 | 0.0 | 0.0 | 0.0 | 24.54 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 162.0 | 3.73 | 0.0 | 0.0 | 165.73 | 17.01 | 0.0 | 0.0 | 148.72 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 133.57 | false | false |
|
||
| 01 April 2024 | Chargeback | 12.0 | 12.0 | 0.0 | 0.0 | 0.0 | 145.57 | false | false |
|
||
|
||
When Loan Pay-off is made on "01 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4272 @AdvancedPaymentAllocation
|
||
Scenario: Verify Re-aging on interest bearing, no interest recalculation loan is not allowed (not implemented)
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_CHARGEBACK_PRINCIPAL_INTEREST_FEE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_CHARGEBACK_PRINCIPAL_INTEREST_FEE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024| | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data, but fails with 501 error code:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 16 January 2025 | 5 |
|
||
When Loan Pay-off is made on "01 January 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4274
|
||
Scenario: Verify Re-aging with interest pause: UC2: Interest handling: DEFAULT, interest pause before re-aging
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
# --- First installment paid ---
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Interest pause ---
|
||
When Admin sets the business date to "02 February 2024"
|
||
And Create an interest pause period with start date "10 February 2024" and end date "10 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 66.69 | 16.88 | 0.13 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 49.96 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.24 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.42 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.42 | 0.1 | 0.0 | 0.0 | 16.52 | 0.0 | 0.0 | 0.0 | 16.52 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.57 | 0.0 | 0.0 | 101.57 | 17.01 | 0.0 | 0.0 | 84.56 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Check before re-age ---
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 66.69 | 16.88 | 0.13 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 49.96 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.24 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.42 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.42 | 0.1 | 0.0 | 0.0 | 16.52 | 0.0 | 0.0 | 0.0 | 16.52 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.57 | 0.0 | 0.0 | 101.57 | 17.01 | 0.0 | 0.0 | 84.56 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 69.84 | 13.73 | 0.48 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 5 | 30 | 01 May 2024 | | 56.04 | 13.8 | 0.41 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 6 | 31 | 01 June 2024 | | 42.16 | 13.88 | 0.33 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 7 | 30 | 01 July 2024 | | 28.2 | 13.96 | 0.25 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 8 | 31 | 01 August 2024 | | 14.15 | 14.05 | 0.16 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.15 | 0.08 | 0.0 | 0.0 | 14.23 | 0.0 | 0.0 | 0.0 | 14.23 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.29 | 0.0 | 0.0 | 102.29 | 17.01 | 0.0 | 0.0 | 85.28 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 83.78 | 83.57 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Close loan ---
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4275
|
||
Scenario: Verify Re-aging with interest pause: UC3: Interest handling: DEFAULT, interest pause overlapping re-aging
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
# --- First installment paid ---
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Interest pause ---
|
||
When Admin sets the business date to "02 February 2024"
|
||
And Create an interest pause period with start date "10 February 2024" and end date "10 May 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 66.69 | 16.88 | 0.13 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 49.68 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 32.67 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 15.8 | 16.87 | 0.14 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 15.8 | 0.09 | 0.0 | 0.0 | 15.89 | 0.0 | 0.0 | 0.0 | 15.89 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 0.94 | 0.0 | 0.0 | 100.94 | 17.01 | 0.0 | 0.0 | 83.93 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Check before re-age ---
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 66.69 | 16.88 | 0.13 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 49.68 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 32.67 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 15.8 | 16.87 | 0.14 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 15.8 | 0.09 | 0.0 | 0.0 | 15.89 | 0.0 | 0.0 | 0.0 | 15.89 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 0.94 | 0.0 | 0.0 | 100.94 | 17.01 | 0.0 | 0.0 | 83.93 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 69.5 | 14.07 | 0.13 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
|
||
| 5 | 30 | 01 May 2024 | | 55.3 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
|
||
| 6 | 31 | 01 June 2024 | | 41.33 | 13.97 | 0.23 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
|
||
| 7 | 30 | 01 July 2024 | | 27.37 | 13.96 | 0.24 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
|
||
| 8 | 31 | 01 August 2024 | | 13.33 | 14.04 | 0.16 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 13.33 | 0.08 | 0.0 | 0.0 | 13.41 | 0.0 | 0.0 | 0.0 | 13.41 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.42 | 0.0 | 0.0 | 101.42 | 17.01 | 0.0 | 0.0 | 84.41 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 83.7 | 83.57 | 0.13 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Close loan ---
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4276
|
||
Scenario: Verify Re-aging with interest pause: UC4: Interest handling: DEFAULT, interest pause after re-aging
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
# --- First installment paid ---
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Check before re-age ---
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Interest pause ---
|
||
When Admin sets the business date to "02 April 2024"
|
||
And Create an interest pause period with start date "10 April 2024" and end date "10 June 2024"
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.08 | 14.17 | 0.13 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 41.78 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 27.65 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 13.51 | 14.14 | 0.16 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 13.51 | 0.08 | 0.0 | 0.0 | 13.59 | 0.0 | 0.0 | 0.0 | 13.59 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.1 | 0.0 | 0.0 | 102.1 | 17.01 | 0.0 | 0.0 | 85.09 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
@Skip @TestRailId:C4277
|
||
Scenario: Verify Re-aging with interest pause: UC4.1: Interest handling: WAIVE_INTEREST, interest pause after re-aging
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
# --- First installment paid ---
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Check before re-age ---
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | WAIVE_INTEREST |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Interest pause ---
|
||
When Admin sets the business date to "02 April 2024"
|
||
And Create an interest pause period with start date "10 April 2024" and end date "10 June 2024"
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.08 | 14.17 | 0.13 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 41.78 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 27.65 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 13.51 | 14.14 | 0.16 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 13.51 | 0.08 | 0.0 | 0.0 | 13.59 | 0.0 | 0.0 | 0.0 | 13.59 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.1 | 0.0 | 0.0 | 102.1 | 17.01 | 0.0 | 0.0 | 85.09 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Close loan ---
|
||
When Loan Pay-off is made on "02 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4280
|
||
Scenario: Verify Re-aging with interest pause: UC5: Interest handling: DEFAULT, backdated interest pause created after re-aging, backdated to after re-aging
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
# --- First installment paid ---
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Check before re-age ---
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Interest pause ---
|
||
When Admin sets the business date to "01 July 2024"
|
||
And Create an interest pause period with start date "10 April 2024" and end date "10 June 2024"
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.08 | 14.17 | 0.13 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 41.78 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 27.82 | 13.96 | 0.34 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 13.68 | 14.14 | 0.16 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 13.68 | 0.08 | 0.0 | 0.0 | 13.76 | 0.0 | 0.0 | 0.0 | 13.76 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.27 | 0.0 | 0.0 | 102.27 | 17.01 | 0.0 | 0.0 | 85.26 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Close loan ---
|
||
When Loan Pay-off is made on "01 July 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4281
|
||
Scenario: Verify Re-aging with interest pause: UC6: Interest handling: DEFAULT, backdated interest pause created after re-aging, overlapping (start date before re-aging, end date after re-aging)
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
# --- First installment paid ---
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Check before re-age ---
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Interest pause ---
|
||
When Admin sets the business date to "01 July 2024"
|
||
And Create an interest pause period with start date "10 February 2024" and end date "10 June 2024"
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 69.5 | 14.07 | 0.13 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
|
||
| 5 | 30 | 01 May 2024 | | 55.3 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
|
||
| 6 | 31 | 01 June 2024 | | 41.1 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
|
||
| 7 | 30 | 01 July 2024 | | 27.24 | 13.86 | 0.34 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
|
||
| 8 | 31 | 01 August 2024 | | 13.2 | 14.04 | 0.16 | 0.0 | 0.0 | 14.2 | 0.0 | 0.0 | 0.0 | 14.2 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 13.2 | 0.08 | 0.0 | 0.0 | 13.28 | 0.0 | 0.0 | 0.0 | 13.28 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 0.0 | 0.0 | 84.28 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 83.7 | 83.57 | 0.13 | 0.0 | 0.0 | 0.0 | false | true |
|
||
# --- Close loan ---
|
||
When Loan Pay-off is made on "01 July 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4283
|
||
Scenario: Verify Re-aging with interest pause: UC8: Interest handling: DEFAULT, interest pause, fee, payout refund, CBR
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
# --- First installment paid ---
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Interest pause ---
|
||
When Admin sets the business date to "02 February 2024"
|
||
And Create an interest pause period with start date "10 February 2024" and end date "10 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 66.69 | 16.88 | 0.13 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 49.96 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.24 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.42 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.42 | 0.1 | 0.0 | 0.0 | 16.52 | 0.0 | 0.0 | 0.0 | 16.52 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.57 | 0.0 | 0.0 | 101.57 | 17.01 | 0.0 | 0.0 | 84.56 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Check before re-age ---
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 66.69 | 16.88 | 0.13 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 49.96 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.24 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.42 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.42 | 0.1 | 0.0 | 0.0 | 16.52 | 0.0 | 0.0 | 0.0 | 16.52 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.57 | 0.0 | 0.0 | 101.57 | 17.01 | 0.0 | 0.0 | 84.56 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 69.84 | 13.73 | 0.48 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 5 | 30 | 01 May 2024 | | 56.04 | 13.8 | 0.41 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 6 | 31 | 01 June 2024 | | 42.16 | 13.88 | 0.33 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 7 | 30 | 01 July 2024 | | 28.2 | 13.96 | 0.25 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 8 | 31 | 01 August 2024 | | 14.15 | 14.05 | 0.16 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.15 | 0.08 | 0.0 | 0.0 | 14.23 | 0.0 | 0.0 | 0.0 | 14.23 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.29 | 0.0 | 0.0 | 102.29 | 17.01 | 0.0 | 0.0 | 85.28 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 83.78 | 83.57 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Interest pause ---
|
||
When Admin sets the business date to "02 April 2024"
|
||
And Create an interest pause period with start date "10 April 2024" and end date "10 July 2024"
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 69.84 | 13.73 | 0.48 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 5 | 30 | 01 May 2024 | | 55.76 | 14.08 | 0.13 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 6 | 31 | 01 June 2024 | | 41.55 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 7 | 30 | 01 July 2024 | | 27.34 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 8 | 31 | 01 August 2024 | | 13.24 | 14.1 | 0.11 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 13.24 | 0.08 | 0.0 | 0.0 | 13.32 | 0.0 | 0.0 | 0.0 | 13.32 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.38 | 0.0 | 0.0 | 101.38 | 17.01 | 0.0 | 0.0 | 84.37 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 83.78 | 83.57 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Multiple types of transactions ---
|
||
When Admin sets the business date to "15 April 2024"
|
||
And Admin adds "LOAN_NSF_FEE" due date charge with "15 April 2024" due date and 25 EUR transaction amount
|
||
When Admin sets the business date to "16 April 2024"
|
||
And Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "16 April 2024" with 40 EUR transaction amount and self-generated Idempotency key
|
||
When Admin sets the business date to "17 April 2024"
|
||
And Customer makes "AUTOPAY" repayment on "17 April 2024" with 80 EUR transaction amount
|
||
When Admin sets the business date to "18 April 2024"
|
||
Then Loan status will be "OVERPAID"
|
||
And Loan has 11.34 overpaid amount
|
||
And Admin makes Credit Balance Refund transaction on "18 April 2024" with 11.34 EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | 16 April 2024 | 69.84 | 13.73 | 0.48 | 0.0 | 0.0 | 14.21 | 14.21 | 0.0 | 14.21 | 0.0 |
|
||
| 5 | 30 | 01 May 2024 | 17 April 2024 | 55.76 | 14.08 | 0.13 | 0.0 | 25.0 | 39.21 | 39.21 | 39.21 | 0.0 | 0.0 |
|
||
| 6 | 31 | 01 June 2024 | 17 April 2024 | 41.55 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 | 14.21 | 14.21 | 0.0 | 0.0 |
|
||
| 7 | 30 | 01 July 2024 | 17 April 2024 | 27.34 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 | 14.21 | 14.21 | 0.0 | 0.0 |
|
||
| 8 | 31 | 01 August 2024 | 17 April 2024 | 13.13 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 | 14.21 | 14.21 | 0.0 | 0.0 |
|
||
| 9 | 31 | 01 September 2024 | 17 April 2024 | 0.0 | 13.13 | 0.0 | 0.0 | 0.0 | 13.13 | 13.13 | 13.13 | 0.0 | 0.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.19 | 0.0 | 25.0 | 126.19 | 126.19 | 94.97 | 14.21 | 0.0 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 February 2024 | Accrual Activity | 0.58 | 0.0 | 0.58 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Re-age | 83.78 | 83.57 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 April 2024 | Accrual Activity | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 16 April 2024 | Payout Refund | 40.0 | 14.52 | 0.48 | 0.0 | 25.0 | 69.05 | false | false |
|
||
| 16 April 2024 | Interest Refund | 0.52 | 0.39 | 0.13 | 0.0 | 0.0 | 68.66 | false | false |
|
||
| 17 April 2024 | Repayment | 80.0 | 68.66 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 17 April 2024 | Accrual | 26.19 | 0.0 | 1.19 | 0.0 | 25.0 | 0.0 | false | false |
|
||
| 17 April 2024 | Accrual Activity | 25.13 | 0.0 | 0.13 | 0.0 | 25.0 | 0.0 | false | false |
|
||
| 18 April 2024 | Credit Balance Refund | 11.34 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Close loan ---
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4284
|
||
Scenario: Verify Re-aging with interest pause: UC9: Interest handling: DEFAULT, interest pause, charge-off
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
# --- First installment paid ---
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Interest pause ---
|
||
When Admin sets the business date to "02 February 2024"
|
||
And Create an interest pause period with start date "10 February 2024" and end date "10 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 66.69 | 16.88 | 0.13 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 49.96 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.24 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.42 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.42 | 0.1 | 0.0 | 0.0 | 16.52 | 0.0 | 0.0 | 0.0 | 16.52 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.57 | 0.0 | 0.0 | 101.57 | 17.01 | 0.0 | 0.0 | 84.56 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Check before re-age ---
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 66.69 | 16.88 | 0.13 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 49.96 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.24 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.42 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.42 | 0.1 | 0.0 | 0.0 | 16.52 | 0.0 | 0.0 | 0.0 | 16.52 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.57 | 0.0 | 0.0 | 101.57 | 17.01 | 0.0 | 0.0 | 84.56 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 69.84 | 13.73 | 0.48 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 5 | 30 | 01 May 2024 | | 56.04 | 13.8 | 0.41 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 6 | 31 | 01 June 2024 | | 42.16 | 13.88 | 0.33 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 7 | 30 | 01 July 2024 | | 28.2 | 13.96 | 0.25 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 8 | 31 | 01 August 2024 | | 14.15 | 14.05 | 0.16 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.15 | 0.08 | 0.0 | 0.0 | 14.23 | 0.0 | 0.0 | 0.0 | 14.23 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.29 | 0.0 | 0.0 | 102.29 | 17.01 | 0.0 | 0.0 | 85.28 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 83.78 | 83.57 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Interest pause ---
|
||
When Admin sets the business date to "02 April 2024"
|
||
And Create an interest pause period with start date "10 April 2024" and end date "10 July 2024"
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 69.84 | 13.73 | 0.48 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 5 | 30 | 01 May 2024 | | 55.76 | 14.08 | 0.13 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 6 | 31 | 01 June 2024 | | 41.55 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 7 | 30 | 01 July 2024 | | 27.34 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 8 | 31 | 01 August 2024 | | 13.24 | 14.1 | 0.11 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 13.24 | 0.08 | 0.0 | 0.0 | 13.32 | 0.0 | 0.0 | 0.0 | 13.32 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.38 | 0.0 | 0.0 | 101.38 | 17.01 | 0.0 | 0.0 | 84.37 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 83.78 | 83.57 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Charge-off ---
|
||
When Admin sets the business date to "15 April 2024"
|
||
And Admin does charge-off the loan on "15 April 2024"
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024| 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 69.84 | 13.73 | 0.48 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 5 | 30 | 01 May 2024 | | 55.76 | 14.08 | 0.13 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 6 | 31 | 01 June 2024 | | 41.55 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 7 | 30 | 01 July 2024 | | 27.34 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 8 | 31 | 01 August 2024 | | 13.24 | 14.1 | 0.11 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 13.24 | 0.08 | 0.0 | 0.0 | 13.32 | 0.0 | 0.0 | 0.0 | 13.32 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.38 | 0.0 | 0.0 | 101.38 | 17.01 | 0.0 | 0.0 | 84.37 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 83.78 | 83.57 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 April 2024 | Accrual | 1.19 | 0.0 | 1.19 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 April 2024 | Charge-off | 84.37 | 83.57 | 0.8 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Charge-off undo ---
|
||
When Admin sets the business date to "16 April 2024"
|
||
And Admin does a charge-off undo the loan
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 69.84 | 13.73 | 0.48 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 5 | 30 | 01 May 2024 | | 55.76 | 14.08 | 0.13 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 6 | 31 | 01 June 2024 | | 41.55 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 7 | 30 | 01 July 2024 | | 27.34 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 8 | 31 | 01 August 2024 | | 13.24 | 14.1 | 0.11 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 13.24 | 0.08 | 0.0 | 0.0 | 13.32 | 0.0 | 0.0 | 0.0 | 13.32 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.38 | 0.0 | 0.0 | 101.38 | 17.01 | 0.0 | 0.0 | 84.37 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 83.78 | 83.57 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 April 2024 | Accrual | 1.19 | 0.0 | 1.19 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 April 2024 | Charge-off | 84.37 | 83.57 | 0.8 | 0.0 | 0.0 | 0.0 | true | false |
|
||
# --- Close loan ---
|
||
When Loan Pay-off is made on "16 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4285
|
||
Scenario: Verify Re-aging with interest pause: UC10: Interest handling: DEFAULT, interest pause update, delete
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
# --- First installment paid ---
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Interest pause ---
|
||
When Admin sets the business date to "02 February 2024"
|
||
And Create an interest pause period with start date "10 February 2024" and end date "10 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 66.69 | 16.88 | 0.13 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 49.96 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.24 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.42 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.42 | 0.1 | 0.0 | 0.0 | 16.52 | 0.0 | 0.0 | 0.0 | 16.52 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.57 | 0.0 | 0.0 | 101.57 | 17.01 | 0.0 | 0.0 | 84.56 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Check before re-age ---
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 66.69 | 16.88 | 0.13 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 49.96 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.24 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.42 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.42 | 0.1 | 0.0 | 0.0 | 16.52 | 0.0 | 0.0 | 0.0 | 16.52 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.57 | 0.0 | 0.0 | 101.57 | 17.01 | 0.0 | 0.0 | 84.56 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 69.84 | 13.73 | 0.48 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 5 | 30 | 01 May 2024 | | 56.04 | 13.8 | 0.41 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 6 | 31 | 01 June 2024 | | 42.16 | 13.88 | 0.33 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 7 | 30 | 01 July 2024 | | 28.2 | 13.96 | 0.25 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 8 | 31 | 01 August 2024 | | 14.15 | 14.05 | 0.16 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.15 | 0.08 | 0.0 | 0.0 | 14.23 | 0.0 | 0.0 | 0.0 | 14.23 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.29 | 0.0 | 0.0 | 102.29 | 17.01 | 0.0 | 0.0 | 85.28 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 83.78 | 83.57 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Interest pause ---
|
||
When Admin sets the business date to "02 April 2024"
|
||
And Create an interest pause period with start date "10 April 2024" and end date "10 July 2024"
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 69.84 | 13.73 | 0.48 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 5 | 30 | 01 May 2024 | | 55.76 | 14.08 | 0.13 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 6 | 31 | 01 June 2024 | | 41.55 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 7 | 30 | 01 July 2024 | | 27.34 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 8 | 31 | 01 August 2024 | | 13.24 | 14.1 | 0.11 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 13.24 | 0.08 | 0.0 | 0.0 | 13.32 | 0.0 | 0.0 | 0.0 | 13.32 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.38 | 0.0 | 0.0 | 101.38 | 17.01 | 0.0 | 0.0 | 84.37 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 83.78 | 83.57 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Interest pause update ---
|
||
When Admin sets the business date to "15 April 2024"
|
||
And Update the interest pause period with start date "10 April 2024" and end date "25 May 2024"
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 69.84 | 13.73 | 0.48 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 5 | 30 | 01 May 2024 | | 55.76 | 14.08 | 0.13 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 6 | 31 | 01 June 2024 | | 41.62 | 14.14 | 0.07 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 7 | 30 | 01 July 2024 | | 27.65 | 13.97 | 0.24 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 8 | 31 | 01 August 2024 | | 13.6 | 14.05 | 0.16 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 13.6 | 0.08 | 0.0 | 0.0 | 13.68 | 0.0 | 0.0 | 0.0 | 13.68 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.74 | 0.0 | 0.0 | 101.74 | 17.01 | 0.0 | 0.0 | 84.73 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 83.78 | 83.57 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Interest pause delete ---
|
||
When Admin sets the business date to "16 April 2024"
|
||
And Delete the interest pause period
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 69.84 | 13.73 | 0.48 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 5 | 30 | 01 May 2024 | | 56.08 | 13.76 | 0.45 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 6 | 31 | 01 June 2024 | | 42.2 | 13.88 | 0.33 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 7 | 30 | 01 July 2024 | | 28.24 | 13.96 | 0.25 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 8 | 31 | 01 August 2024 | | 14.19 | 14.05 | 0.16 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.19 | 0.08 | 0.0 | 0.0 | 14.27 | 0.0 | 0.0 | 0.0 | 14.27 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.33 | 0.0 | 0.0 | 102.33 | 17.01 | 0.0 | 0.0 | 85.32 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 83.78 | 83.57 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Close loan ---
|
||
When Loan Pay-off is made on "16 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4286
|
||
Scenario: Verify Re-aging with loan reschedule: UC1.1: Interest handling: DEFAULT, reschedule - extra terms
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
# --- First installment paid ---
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Reschedule before re-age ---
|
||
When Admin sets the business date to "02 February 2024"
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 01 March 2024 | 02 February 2024 | | | | 2 | |
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 71.84 | 11.73 | 0.49 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 3 | 31 | 01 April 2024 | | 60.04 | 11.8 | 0.42 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 4 | 30 | 01 May 2024 | | 48.17 | 11.87 | 0.35 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 5 | 31 | 01 June 2024 | | 36.23 | 11.94 | 0.28 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 6 | 30 | 01 July 2024 | | 24.22 | 12.01 | 0.21 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 7 | 31 | 01 August 2024 | | 12.14 | 12.08 | 0.14 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 8 | 31 | 01 September 2024 | | 0.0 | 12.14 | 0.07 | 0.0 | 0.0 | 12.21 | 0.0 | 0.0 | 0.0 | 12.21 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.54 | 0.0 | 0.0 | 102.54 | 17.01 | 0.0 | 0.0 | 85.53 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Check before re-age ---
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 71.84 | 11.73 | 0.49 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 3 | 31 | 01 April 2024 | | 60.04 | 11.8 | 0.42 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 4 | 30 | 01 May 2024 | | 48.17 | 11.87 | 0.35 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 5 | 31 | 01 June 2024 | | 36.23 | 11.94 | 0.28 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 6 | 30 | 01 July 2024 | | 24.22 | 12.01 | 0.21 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 7 | 31 | 01 August 2024 | | 12.14 | 12.08 | 0.14 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 8 | 31 | 01 September 2024 | | 0.0 | 12.14 | 0.07 | 0.0 | 0.0 | 12.21 | 0.0 | 0.0 | 0.0 | 12.21 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.54 | 0.0 | 0.0 | 102.54 | 17.01 | 0.0 | 0.0 | 85.53 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Reschedule after re-age ---
|
||
When Admin sets the business date to "02 April 2024"
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 01 July 2024 | 02 April 2024 | | | | 2 | |
|
||
Then Loan Repayment schedule has 11 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 34.01 | 8.38 | 0.25 | 0.0 | 0.0 | 8.63 | 0.0 | 0.0 | 0.0 | 8.63 |
|
||
| 8 | 31 | 01 August 2024 | | 25.58 | 8.43 | 0.2 | 0.0 | 0.0 | 8.63 | 0.0 | 0.0 | 0.0 | 8.63 |
|
||
| 9 | 31 | 01 September 2024 | | 17.1 | 8.48 | 0.15 | 0.0 | 0.0 | 8.63 | 0.0 | 0.0 | 0.0 | 8.63 |
|
||
| 10 | 30 | 01 October 2024 | | 8.57 | 8.53 | 0.1 | 0.0 | 0.0 | 8.63 | 0.0 | 0.0 | 0.0 | 8.63 |
|
||
| 11 | 31 | 01 November 2024 | | 0.0 | 8.57 | 0.05 | 0.0 | 0.0 | 8.62 | 0.0 | 0.0 | 0.0 | 8.62 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 3.05 | 0.0 | 0.0 | 103.05 | 17.01 | 0.0 | 0.0 | 86.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Close loan ---
|
||
When Loan Pay-off is made on "02 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
# TODO check and unSkip when WAIVE_INTEREST strategy is implemented
|
||
@Skip @TestRailId:C4287
|
||
Scenario: Verify Re-aging with loan reschedule: UC1.2: Interest handling: WAIVE_INTEREST, reschedule - extra terms
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
# --- First installment paid ---
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Reschedule ---
|
||
When Admin sets the business date to "02 February 2024"
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 01 March 2024 | 02 February 2024 | | | | 2 | |
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 71.84 | 11.73 | 0.49 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 3 | 31 | 01 April 2024 | | 60.04 | 11.8 | 0.42 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 4 | 30 | 01 May 2024 | | 48.17 | 11.87 | 0.35 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 5 | 31 | 01 June 2024 | | 36.23 | 11.94 | 0.28 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 6 | 30 | 01 July 2024 | | 24.22 | 12.01 | 0.21 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 7 | 31 | 01 August 2024 | | 12.14 | 12.08 | 0.14 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 8 | 31 | 01 September 2024 | | 0.0 | 12.14 | 0.07 | 0.0 | 0.0 | 12.21 | 0.0 | 0.0 | 0.0 | 12.21 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.54 | 0.0 | 0.0 | 102.54 | 17.01 | 0.0 | 0.0 | 85.53 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Check before re-age ---
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 71.84 | 11.73 | 0.49 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 3 | 31 | 01 April 2024 | | 60.04 | 11.8 | 0.42 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 4 | 30 | 01 May 2024 | | 48.17 | 11.87 | 0.35 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 5 | 31 | 01 June 2024 | | 36.23 | 11.94 | 0.28 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 6 | 30 | 01 July 2024 | | 24.22 | 12.01 | 0.21 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 7 | 31 | 01 August 2024 | | 12.14 | 12.08 | 0.14 | 0.0 | 0.0 | 12.22 | 0.0 | 0.0 | 0.0 | 12.22 |
|
||
| 8 | 31 | 01 September 2024 | | 0.0 | 12.14 | 0.07 | 0.0 | 0.0 | 12.21 | 0.0 | 0.0 | 0.0 | 12.21 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.54 | 0.0 | 0.0 | 102.54 | 17.01 | 0.0 | 0.0 | 85.53 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | WAIVE_INTEREST |
|
||
# TODO check numbers
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Reschedule after re-age ---
|
||
When Admin sets the business date to "02 April 2024"
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 01 July 2024 | 02 April 2024 | | | | 2 | |
|
||
# TODO check numbers
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
| 10 | 30 | 01 October 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
| 11 | 31 | 01 November 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Close loan ---
|
||
When Loan Pay-off is made on "02 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
# TODO check and unSkip when PS-2938 is done
|
||
@Skip @TestRailId:C4290
|
||
Scenario: Verify Re-aging with loan reschedule: UC2.1: Interest handling: DEFAULT, reschedule - adjustedDueDate
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
# --- First installment paid ---
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Reschedule before re-age ---
|
||
When Admin sets the business date to "02 February 2024"
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 01 March 2024 | 02 February 2024 | 15 April 2024 | | | | |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 74 | 15 April 2024 | | 67.76 | 15.81 | 1.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 30 | 15 May 2024 | | 51.15 | 16.61 | 0.4 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 31 | 15 June 2024 | | 34.44 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 30 | 15 July 2024 | | 17.63 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 31 | 15 August 2024 | | 0.0 | 17.63 | 0.1 | 0.0 | 0.0 | 17.73 | 0.0 | 0.0 | 0.0 | 17.73 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.01 | 0.0 | 0.0 | 85.77 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Check before re-age ---
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 74 | 15 April 2024 | | 67.76 | 15.81 | 1.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 30 | 15 May 2024 | | 51.15 | 16.61 | 0.4 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 31 | 15 June 2024 | | 34.44 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 30 | 15 July 2024 | | 17.63 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 31 | 15 August 2024 | | 0.0 | 17.63 | 0.1 | 0.0 | 0.0 | 17.73 | 0.0 | 0.0 | 0.0 | 17.73 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.01 | 0.0 | 0.0 | 85.77 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 43 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 4 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.27 | 83.57 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Reschedule after re-age ---
|
||
When Admin sets the business date to "02 April 2024"
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 01 May 2024 | 02 April 2024 | 15 June 2024 | | | | |
|
||
# TODO check numbers
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 43 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 4 | 31 | 15 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 15 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 15 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 31 | 15 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
| 8 | 31 | 15 October 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Close loan ---
|
||
When Loan Pay-off is made on "02 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
# TODO check and unSkip when PS-2938 is done
|
||
@Skip @TestRailId:C4291
|
||
Scenario: Verify Re-aging with loan reschedule: UC2.2: Interest handling: WAIVE_INTEREST, reschedule - adjustedDueDate
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
# --- First installment paid ---
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Reschedule before re-age ---
|
||
When Admin sets the business date to "02 February 2024"
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 01 March 2024 | 02 February 2024 | 15 April 2024 | | | | |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 74 | 15 April 2024 | | 67.76 | 15.81 | 1.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 30 | 15 May 2024 | | 51.15 | 16.61 | 0.4 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 31 | 15 June 2024 | | 34.44 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 30 | 15 July 2024 | | 17.63 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 31 | 15 August 2024 | | 0.0 | 17.63 | 0.1 | 0.0 | 0.0 | 17.73 | 0.0 | 0.0 | 0.0 | 17.73 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.01 | 0.0 | 0.0 | 85.77 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Check before re-age ---
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 74 | 15 April 2024 | | 67.76 | 15.81 | 1.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 30 | 15 May 2024 | | 51.15 | 16.61 | 0.4 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 31 | 15 June 2024 | | 34.44 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 30 | 15 July 2024 | | 17.63 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 31 | 15 August 2024 | | 0.0 | 17.63 | 0.1 | 0.0 | 0.0 | 17.73 | 0.0 | 0.0 | 0.0 | 17.73 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.01 | 0.0 | 0.0 | 85.77 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | WAIVE_INTEREST |
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 43 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 4 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.27 | 83.57 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Reschedule after re-age ---
|
||
When Admin sets the business date to "02 April 2024"
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 01 May 2024 | 02 April 2024 | 15 June 2024 | | | | |
|
||
# TODO check numbers
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 43 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 4 | 31 | 15 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 15 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 15 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 31 | 15 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
| 8 | 31 | 15 October 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Close loan ---
|
||
When Loan Pay-off is made on "02 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4294
|
||
Scenario: Verify Re-aging with loan reschedule: UC3: Interest handling: DEFAULT, reschedule - newInterestRate
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
# --- First installment paid ---
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Reschedule before re-age ---
|
||
When Admin sets the business date to "02 February 2024"
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 01 March 2024 | 02 February 2024 | | | | | 10 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 66.97 | 16.6 | 0.49 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
||
| 3 | 31 | 01 April 2024 | | 50.44 | 16.53 | 0.56 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
||
| 4 | 30 | 01 May 2024 | | 33.77 | 16.67 | 0.42 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
||
| 5 | 31 | 01 June 2024 | | 16.96 | 16.81 | 0.28 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.96 | 0.14 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.47 | 0.0 | 0.0 | 102.47 | 17.01 | 0.0 | 0.0 | 85.46 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Check before re-age ---
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 66.97 | 16.6 | 0.49 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
||
| 3 | 31 | 01 April 2024 | | 50.44 | 16.53 | 0.56 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
||
| 4 | 30 | 01 May 2024 | | 33.77 | 16.67 | 0.42 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
||
| 5 | 31 | 01 June 2024 | | 16.96 | 16.81 | 0.28 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.96 | 0.14 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.47 | 0.0 | 0.0 | 102.47 | 17.01 | 0.0 | 0.0 | 85.46 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.33 | 13.24 | 1.18 | 0.0 | 0.0 | 14.42 | 0.0 | 0.0 | 0.0 | 14.42 |
|
||
| 5 | 30 | 01 May 2024 | | 56.5 | 13.83 | 0.59 | 0.0 | 0.0 | 14.42 | 0.0 | 0.0 | 0.0 | 14.42 |
|
||
| 6 | 31 | 01 June 2024 | | 42.55 | 13.95 | 0.47 | 0.0 | 0.0 | 14.42 | 0.0 | 0.0 | 0.0 | 14.42 |
|
||
| 7 | 30 | 01 July 2024 | | 28.48 | 14.07 | 0.35 | 0.0 | 0.0 | 14.42 | 0.0 | 0.0 | 0.0 | 14.42 |
|
||
| 8 | 31 | 01 August 2024 | | 14.3 | 14.18 | 0.24 | 0.0 | 0.0 | 14.42 | 0.0 | 0.0 | 0.0 | 14.42 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.3 | 0.12 | 0.0 | 0.0 | 14.42 | 0.0 | 0.0 | 0.0 | 14.42 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 3.53 | 0.0 | 0.0 | 103.53 | 17.01 | 0.0 | 0.0 | 86.52 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.37 | 83.57 | 0.8 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Reschedule after re-age ---
|
||
When Admin sets the business date to "02 April 2024"
|
||
When Admin creates and approves Loan reschedule with the following data:
|
||
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
|
||
| 01 May 2024 | 02 April 2024 | | | | | 12 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.33 | 13.24 | 1.18 | 0.0 | 0.0 | 14.42 | 0.0 | 0.0 | 0.0 | 14.42 |
|
||
| 5 | 30 | 01 May 2024 | | 56.56 | 13.77 | 0.7 | 0.0 | 0.0 | 14.47 | 0.0 | 0.0 | 0.0 | 14.47 |
|
||
| 6 | 31 | 01 June 2024 | | 42.66 | 13.9 | 0.57 | 0.0 | 0.0 | 14.47 | 0.0 | 0.0 | 0.0 | 14.47 |
|
||
| 7 | 30 | 01 July 2024 | | 28.62 | 14.04 | 0.43 | 0.0 | 0.0 | 14.47 | 0.0 | 0.0 | 0.0 | 14.47 |
|
||
| 8 | 31 | 01 August 2024 | | 14.44 | 14.18 | 0.29 | 0.0 | 0.0 | 14.47 | 0.0 | 0.0 | 0.0 | 14.47 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.44 | 0.14 | 0.0 | 0.0 | 14.58 | 0.0 | 0.0 | 0.0 | 14.58 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 3.89 | 0.0 | 0.0 | 103.89 | 17.01 | 0.0 | 0.0 | 86.88 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.37 | 83.57 | 0.8 | 0.0 | 0.0 | 0.0 | false | false |
|
||
|
||
@TestRailId:C4295
|
||
Scenario: Verify Re-aging with loan reschedule: UC4: Interest handling: DEFAULT, reschedule, N+1 installment
|
||
When Admin sets the business date to "01 January 2024"
|
||
And Admin creates a client with random data
|
||
And Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
And Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
# --- First installment paid ---
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- N+1 installment ---
|
||
When Admin sets the business date to "02 February 2024"
|
||
When Admin adds "LOAN_NSF_FEE" due date charge with "25 December 2024" due date and 20 EUR transaction amount
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
| 7 | 177 | 25 December 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 20.0 | 122.05 | 17.01 | 0.0 | 0.0 | 105.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Check before re-age ---
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
| 7 | 177 | 25 December 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 20.0 | 122.05 | 17.01 | 0.0 | 0.0 | 105.04 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
# --- Re-age transaction ---
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 10 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
| 10 | 115 | 25 December 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 20.0 | 122.8 | 17.01 | 0.0 | 0.0 | 105.79 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- N+1 installment after re-age ---
|
||
When Admin sets the business date to "02 April 2024"
|
||
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 November 2024" due date and 15 EUR transaction amount
|
||
Then Loan Repayment schedule has 10 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
| 10 | 115 | 25 December 2024 | | 0.0 | 0.0 | 0.0 | 15.0 | 20.0 | 35.0 | 0.0 | 0.0 | 0.0 | 35.0 |
|
||
And Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 15.0 | 20.0 | 137.8 | 17.01 | 0.0 | 0.0 | 120.79 |
|
||
And Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# --- Close loan ---
|
||
When Loan Pay-off is made on "02 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4296 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - due date and frequency changed from MONTHS to DAYS - Interest Split scenario - UC13.1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 15 | DAYS | 01 April 2024| 6 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.36 | 13.21 | 0.98 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 |
|
||
| 5 | 15 | 16 April 2024 | | 56.38 | 13.98 | 0.21 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 |
|
||
| 6 | 15 | 01 May 2024 | | 42.35 | 14.03 | 0.16 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 |
|
||
| 7 | 15 | 16 May 2024 | | 28.28 | 14.07 | 0.12 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 |
|
||
| 8 | 15 | 31 May 2024 | | 14.17 | 14.11 | 0.08 | 0.0 | 0.0 | 14.19 | 0.0 | 0.0 | 0.0 | 14.19 |
|
||
| 9 | 15 | 15 June 2024 | | 0.0 | 14.17 | 0.04 | 0.0 | 0.0 | 14.21 | 0.0 | 0.0 | 0.0 | 14.21 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.17 | 0.0 | 0.0 | 102.17 | 17.01 | 0.0 | 0.0 | 85.16 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4297 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - due date and frequency changed from DAYS to MONTHS - Fees and Interest Split before re-aging - UC13.2
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 90 | DAYS | 15 | DAYS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 15 | 16 January 2024 | | 83.45 | 16.55 | 0.29 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
|
||
| 2 | 15 | 31 January 2024 | | 66.85 | 16.6 | 0.24 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
|
||
| 3 | 15 | 15 February 2024 | | 50.2 | 16.65 | 0.19 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
|
||
| 4 | 15 | 01 March 2024 | | 33.51 | 16.69 | 0.15 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
|
||
| 5 | 15 | 16 March 2024 | | 16.77 | 16.74 | 0.1 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
|
||
| 6 | 15 | 31 March 2024 | | 0.0 | 16.77 | 0.05 | 0.0 | 0.0 | 16.82 | 0.0 | 0.0 | 0.0 | 16.82 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.02 | 0.0 | 0.0 | 101.02 | 0.0 | 0.0 | 0.0 | 101.02 |
|
||
When Admin sets the business date to "16 January 2024"
|
||
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 16.98 EUR transaction amount
|
||
When Admin sets the business date to "20 January 2024"
|
||
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "20 January 2024" due date and 10 EUR transaction amount
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| Snooze fee | false | Specified due date | 20 January 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
When Admin sets the business date to "10 February 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 March 2024| 5 |
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 15 | 16 January 2024 | 16 January 2024 | 83.45 | 16.55 | 0.29 | 0.0 | 0.0 | 16.84 | 16.84 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 31 January 2024 | | 83.31 | 0.14 | 0.0 | 10.0 | 0.0 | 10.14 | 0.14 | 0.14 | 0.0 | 10.0 |
|
||
| 3 | 10 | 10 February 2024 | 10 February 2024 | 83.31 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 20 | 01 March 2024 | | 67.03 | 16.28 | 0.72 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
| 5 | 31 | 01 April 2024 | | 50.43 | 16.6 | 0.4 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
| 6 | 30 | 01 May 2024 | | 33.72 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
| 7 | 31 | 01 June 2024 | | 16.92 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
| 8 | 30 | 01 July 2024 | | 0.0 | 16.92 | 0.1 | 0.0 | 0.0 | 17.02 | 0.0 | 0.0 | 0.0 | 17.02 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.0 | 10.0 | 0.0 | 112.0 | 16.98 | 0.14 | 0.0 | 95.02 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 16 January 2024 | Repayment | 16.98 | 16.69 | 0.29 | 0.0 | 0.0 | 83.31 | false | false |
|
||
| 10 February 2024 | Re-age | 83.71 | 83.31 | 0.4 | 0.0 | 0.0 | 0.0 | false | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| Snooze fee | false | Specified due date | 20 January 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 |
|
||
When Loan Pay-off is made on "10 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4298 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - due date and frequency changed from MONTHS to WEEKS - Charge-back before re-aging - UC13.3
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
When Admin sets the business date to "05 February 2024"
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount
|
||
When Admin sets the business date to "20 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 2 | WEEKS | 01 April 2024| 8 |
|
||
Then Loan Repayment schedule has 11 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 20 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 19 | 20 March 2024 | 20 March 2024 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 12 | 01 April 2024 | | 88.9 | 11.1 | 1.74 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 |
|
||
| 5 | 14 | 15 April 2024 | | 76.3 | 12.6 | 0.24 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 |
|
||
| 6 | 14 | 29 April 2024 | | 63.67 | 12.63 | 0.21 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 |
|
||
| 7 | 14 | 13 May 2024 | | 51.0 | 12.67 | 0.17 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 |
|
||
| 8 | 14 | 27 May 2024 | | 38.29 | 12.71 | 0.13 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 |
|
||
| 9 | 14 | 10 June 2024 | | 25.55 | 12.74 | 0.1 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 |
|
||
| 10 | 14 | 24 June 2024 | | 12.78 | 12.77 | 0.07 | 0.0 | 0.0 | 12.84 | 0.0 | 0.0 | 0.0 | 12.84 |
|
||
| 11 | 14 | 08 July 2024 | | 0.0 | 12.78 | 0.03 | 0.0 | 0.0 | 12.81 | 0.0 | 0.0 | 0.0 | 12.81 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 116.43 | 3.27 | 0.0 | 0.0 | 119.7 | 17.01 | 0.0 | 0.0 | 102.69 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 05 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 20 March 2024 | Re-age | 101.51 | 100.0 | 1.51 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "20 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4299 @AdvancedPaymentAllocation
|
||
Scenario:Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - due date and frequency changed - N+1 Scenario - UC13.4
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
When Admin sets the business date to "01 March 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
||
When Admin sets the business date to "25 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 2 | MONTHS | 01 May 2024 | 3 |
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 24 | 25 March 2024 | 25 March 2024 | 67.05 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 37 | 01 May 2024 | | 44.95 | 22.1 | 0.77 | 0.0 | 0.0 | 22.87 | 0.0 | 0.0 | 0.0 | 22.87 |
|
||
| 5 | 61 | 01 July 2024 | | 22.6 | 22.35 | 0.52 | 0.0 | 0.0 | 22.87 | 0.0 | 0.0 | 0.0 | 22.87 |
|
||
| 6 | 62 | 01 September 2024| | 0.0 | 22.6 | 0.26 | 0.0 | 0.0 | 22.86 | 0.0 | 0.0 | 0.0 | 22.86 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.62 | 0.0 | 0.0 | 102.62 | 34.02 | 0.0 | 0.0 | 68.6 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
||
| 25 March 2024 | Re-age | 67.35 | 67.05 | 0.3 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "25 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4300 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - due date and frequency changed from WEEKS to DAYS - Partially paid installment - UC13.5
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | WEEKS | 2 | WEEKS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 14 | 15 January 2024 | | 83.44 | 16.56 | 0.27 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 |
|
||
| 2 | 14 | 29 January 2024 | | 66.84 | 16.6 | 0.23 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 |
|
||
| 3 | 14 | 12 February 2024 | | 50.19 | 16.65 | 0.18 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 |
|
||
| 4 | 14 | 26 February 2024 | | 33.5 | 16.69 | 0.14 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 |
|
||
| 5 | 14 | 11 March 2024 | | 16.76 | 16.74 | 0.09 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 |
|
||
| 6 | 14 | 25 March 2024 | | 0.0 | 16.76 | 0.05 | 0.0 | 0.0 | 16.81 | 0.0 | 0.0 | 0.0 | 16.81 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 0.96 | 0.0 | 0.0 | 100.96 | 0.0 | 0.0 | 0.0 | 100.96 |
|
||
When Admin sets the business date to "15 January 2024"
|
||
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 16.86 EUR transaction amount
|
||
When Admin sets the business date to "29 January 2024"
|
||
And Customer makes "AUTOPAY" repayment on "29 January 2024" with 10.0 EUR transaction amount
|
||
When Admin sets the business date to "20 February 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 10 | DAYS | 01 March 2024| 5 |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 14 | 15 January 2024 | 15 January 2024 | 83.44 | 16.56 | 0.27 | 0.0 | 0.0 | 16.83 | 16.83 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 14 | 29 January 2024 | 20 February 2024 | 73.64 | 9.8 | 0.23 | 0.0 | 0.0 | 10.03 | 10.03 | 0.03 | 0.0 | 0.0 |
|
||
| 3 | 14 | 12 February 2024 | 20 February 2024 | 73.64 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 8 | 20 February 2024 | 20 February 2024 | 73.64 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 10 | 01 March 2024 | | 59.21 | 14.43 | 0.45 | 0.0 | 0.0 | 14.88 | 0.0 | 0.0 | 0.0 | 14.88 |
|
||
| 6 | 10 | 11 March 2024 | | 44.45 | 14.76 | 0.12 | 0.0 | 0.0 | 14.88 | 0.0 | 0.0 | 0.0 | 14.88 |
|
||
| 7 | 10 | 21 March 2024 | | 29.66 | 14.79 | 0.09 | 0.0 | 0.0 | 14.88 | 0.0 | 0.0 | 0.0 | 14.88 |
|
||
| 8 | 10 | 31 March 2024 | | 14.84 | 14.82 | 0.06 | 0.0 | 0.0 | 14.88 | 0.0 | 0.0 | 0.0 | 14.88 |
|
||
| 9 | 10 | 10 April 2024 | | 0.0 | 14.84 | 0.03 | 0.0 | 0.0 | 14.87 | 0.0 | 0.0 | 0.0 | 14.87 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.25 | 0.0 | 0.0 | 101.25 | 26.86 | 0.03 | 0.0 | 74.39 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 15 January 2024 | Repayment | 16.86 | 16.59 | 0.27 | 0.0 | 0.0 | 83.41 | false | false |
|
||
| 29 January 2024 | Repayment | 10.0 | 9.77 | 0.23 | 0.0 | 0.0 | 73.64 | false | false |
|
||
| 20 February 2024 | Re-age | 73.95 | 73.64 | 0.31 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "20 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4301 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - due date and frequency changed (15 to 30 DAYS) - Multiple installments paid - UC13.6
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 90 | DAYS | 15 | DAYS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 15 | 16 January 2024 | | 83.45 | 16.55 | 0.29 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
|
||
| 2 | 15 | 31 January 2024 | | 66.85 | 16.6 | 0.24 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
|
||
| 3 | 15 | 15 February 2024 | | 50.2 | 16.65 | 0.19 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
|
||
| 4 | 15 | 01 March 2024 | | 33.51 | 16.69 | 0.15 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
|
||
| 5 | 15 | 16 March 2024 | | 16.77 | 16.74 | 0.1 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
|
||
| 6 | 15 | 31 March 2024 | | 0.0 | 16.77 | 0.05 | 0.0 | 0.0 | 16.82 | 0.0 | 0.0 | 0.0 | 16.82 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.02 | 0.0 | 0.0 | 101.02 | 0.0 | 0.0 | 0.0 | 101.02 |
|
||
When Admin sets the business date to "16 January 2024"
|
||
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 16.98 EUR transaction amount
|
||
When Admin sets the business date to "31 January 2024"
|
||
And Customer makes "AUTOPAY" repayment on "31 January 2024" with 16.98 EUR transaction amount
|
||
When Admin sets the business date to "15 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 16.98 EUR transaction amount
|
||
When Admin sets the business date to "10 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 30 | DAYS | 01 April 2024| 2 |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 15 | 16 January 2024 | 16 January 2024 | 83.45 | 16.55 | 0.29 | 0.0 | 0.0 | 16.84 | 16.84 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 15 | 31 January 2024 | 31 January 2024 | 66.85 | 16.6 | 0.24 | 0.0 | 0.0 | 16.84 | 16.84 | 0.14 | 0.0 | 0.0 |
|
||
| 3 | 15 | 15 February 2024 | 15 February 2024 | 50.2 | 16.65 | 0.19 | 0.0 | 0.0 | 16.84 | 16.84 | 0.28 | 0.0 | 0.0 |
|
||
| 4 | 15 | 01 March 2024 | 10 March 2024 | 49.78 | 0.42 | 0.0 | 0.0 | 0.0 | 0.42 | 0.42 | 0.42 | 0.0 | 0.0 |
|
||
| 5 | 9 | 10 March 2024 | 10 March 2024 | 49.78 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 6 | 22 | 01 April 2024 | | 25.04 | 24.74 | 0.45 | 0.0 | 0.0 | 25.19 | 0.0 | 0.0 | 0.0 | 25.19 |
|
||
| 7 | 30 | 01 May 2024 | | 0.0 | 25.04 | 0.15 | 0.0 | 0.0 | 25.19 | 0.0 | 0.0 | 0.0 | 25.19 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.32 | 0.0 | 0.0 | 101.32 | 50.94 | 0.84 | 0.0 | 50.38 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 16 January 2024 | Repayment | 16.98 | 16.69 | 0.29 | 0.0 | 0.0 | 83.31 | false | false |
|
||
| 31 January 2024 | Repayment | 16.98 | 16.74 | 0.24 | 0.0 | 0.0 | 66.57 | false | false |
|
||
| 15 February 2024 | Repayment | 16.98 | 16.79 | 0.19 | 0.0 | 0.0 | 49.78 | false | false |
|
||
| 10 March 2024 | Re-age | 50.02 | 49.78 | 0.24 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "10 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4302 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - due date and frequency changed from DAYS to WEEKS with penalties - UC13.7
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 60 | DAYS | 10 | DAYS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 10 | 11 January 2024 | | 83.41 | 16.59 | 0.19 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
|
||
| 2 | 10 | 21 January 2024 | | 66.79 | 16.62 | 0.16 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
|
||
| 3 | 10 | 31 January 2024 | | 50.14 | 16.65 | 0.13 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
|
||
| 4 | 10 | 10 February 2024 | | 33.46 | 16.68 | 0.1 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
|
||
| 5 | 10 | 20 February 2024 | | 16.75 | 16.71 | 0.07 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
|
||
| 6 | 10 | 01 March 2024 | | 0.0 | 16.75 | 0.03 | 0.0 | 0.0 | 16.78 | 0.0 | 0.0 | 0.0 | 16.78 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 0.68 | 0.0 | 0.0 | 100.68 | 0.0 | 0.0 | 0.0 | 100.68 |
|
||
When Admin sets the business date to "11 January 2024"
|
||
And Customer makes "AUTOPAY" repayment on "11 January 2024" with 16.8 EUR transaction amount
|
||
When Admin sets the business date to "31 January 2024"
|
||
When Admin adds "LOAN_NSF_FEE" due date charge with "31 January 2024" due date and 5 EUR transaction amount
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 31 January 2024 | Flat | 5.0 | 0.0 | 0.0 | 5.0 |
|
||
When Admin sets the business date to "15 February 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | WEEKS | 01 March 2024 | 6 |
|
||
Then Loan Repayment schedule has 11 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 10 | 11 January 2024 | 11 January 2024 | 83.41 | 16.59 | 0.19 | 0.0 | 0.0 | 16.78 | 16.78 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 10 | 21 January 2024 | 15 February 2024 | 83.39 | 0.02 | 0.0 | 0.0 | 0.0 | 0.02 | 0.02 | 0.02 | 0.0 | 0.0 |
|
||
| 3 | 10 | 31 January 2024 | | 83.39 | 0.0 | 0.0 | 0.0 | 5.0 | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 |
|
||
| 4 | 10 | 10 February 2024 | 15 February 2024 | 83.39 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 5 | 15 February 2024 | 15 February 2024 | 83.39 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 6 | 15 | 01 March 2024 | | 70.11 | 13.28 | 0.8 | 0.0 | 0.0 | 14.08 | 0.0 | 0.0 | 0.0 | 14.08 |
|
||
| 7 | 7 | 08 March 2024 | | 56.13 | 13.98 | 0.1 | 0.0 | 0.0 | 14.08 | 0.0 | 0.0 | 0.0 | 14.08 |
|
||
| 8 | 7 | 15 March 2024 | | 42.13 | 14.0 | 0.08 | 0.0 | 0.0 | 14.08 | 0.0 | 0.0 | 0.0 | 14.08 |
|
||
| 9 | 7 | 22 March 2024 | | 28.11 | 14.02 | 0.06 | 0.0 | 0.0 | 14.08 | 0.0 | 0.0 | 0.0 | 14.08 |
|
||
| 10 | 7 | 29 March 2024 | | 14.07 | 14.04 | 0.04 | 0.0 | 0.0 | 14.08 | 0.0 | 0.0 | 0.0 | 14.08 |
|
||
| 11 | 7 | 05 April 2024 | | 0.0 | 14.07 | 0.02 | 0.0 | 0.0 | 14.09 | 0.0 | 0.0 | 0.0 | 14.09 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.29 | 0.0 | 5.0 | 106.29 | 16.8 | 0.02 | 0.0 | 89.49 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 11 January 2024 | Repayment | 16.8 | 16.61 | 0.19 | 0.0 | 0.0 | 83.39 | false | false |
|
||
| 15 February 2024 | Re-age | 83.95 | 83.39 | 0.56 | 0.0 | 0.0 | 0.0 | false | false |
|
||
Then Loan Charges tab has the following data:
|
||
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
|
||
| NSF fee | true | Specified due date | 31 January 2024 | Flat | 5.0 | 0.0 | 0.0 | 5.0 |
|
||
When Loan Pay-off is made on "15 February 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4303 @AdvancedPaymentAllocation
|
||
Scenario: Verify allowing Re-aging on interest bearing loan - Interest calculation: Default Behavior - due date and frequency changed - change from WEEKS to MONTHS with multiple repayment transactions - UC13.8
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 18 | WEEKS | 3 | WEEKS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 21 | 22 January 2024 | | 83.5 | 16.5 | 0.41 | 0.0 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | 16.91 |
|
||
| 2 | 21 | 12 February 2024 | | 66.93 | 16.57 | 0.34 | 0.0 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | 16.91 |
|
||
| 3 | 21 | 04 March 2024 | | 50.29 | 16.64 | 0.27 | 0.0 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | 16.91 |
|
||
| 4 | 21 | 25 March 2024 | | 33.59 | 16.7 | 0.21 | 0.0 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | 16.91 |
|
||
| 5 | 21 | 15 April 2024 | | 16.82 | 16.77 | 0.14 | 0.0 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | 16.91 |
|
||
| 6 | 21 | 06 May 2024 | | 0.0 | 16.82 | 0.07 | 0.0 | 0.0 | 16.89 | 0.0 | 0.0 | 0.0 | 16.89 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.44 | 0.0 | 0.0 | 101.44 | 0.0 | 0.0 | 0.0 | 101.44 |
|
||
When Admin sets the business date to "22 January 2024"
|
||
And Customer makes "AUTOPAY" repayment on "22 January 2024" with 17.16 EUR transaction amount
|
||
When Admin sets the business date to "12 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "12 February 2024" with 17.16 EUR transaction amount
|
||
When Admin sets the business date to "04 March 2024"
|
||
And Customer makes "AUTOPAY" repayment on "04 March 2024" with 10.0 EUR transaction amount
|
||
When Admin sets the business date to "20 March 2024"
|
||
When Admin creates a Loan re-aging transaction with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments |
|
||
| 1 | MONTHS | 01 April 2024| 4 |
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 21 | 22 January 2024 | 22 January 2024 | 83.5 | 16.5 | 0.41 | 0.0 | 0.0 | 16.91 | 16.91 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 21 | 12 February 2024 | 12 February 2024 | 66.93 | 16.57 | 0.34 | 0.0 | 0.0 | 16.91 | 16.91 | 0.25 | 0.0 | 0.0 |
|
||
| 3 | 21 | 04 March 2024 | 20 March 2024 | 56.7 | 10.23 | 0.27 | 0.0 | 0.0 | 10.5 | 10.5 | 0.5 | 0.0 | 0.0 |
|
||
| 4 | 16 | 20 March 2024 | 20 March 2024 | 56.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 5 | 12 | 01 April 2024 | | 42.63 | 14.07 | 0.31 | 0.0 | 0.0 | 14.38 | 0.0 | 0.0 | 0.0 | 14.38 |
|
||
| 6 | 30 | 01 May 2024 | | 28.5 | 14.13 | 0.25 | 0.0 | 0.0 | 14.38 | 0.0 | 0.0 | 0.0 | 14.38 |
|
||
| 7 | 31 | 01 June 2024 | | 14.29 | 14.21 | 0.17 | 0.0 | 0.0 | 14.38 | 0.0 | 0.0 | 0.0 | 14.38 |
|
||
| 8 | 30 | 01 July 2024 | | 0.0 | 14.29 | 0.08 | 0.0 | 0.0 | 14.37 | 0.0 | 0.0 | 0.0 | 14.37 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.83 | 0.0 | 0.0 | 101.83 | 44.32 | 0.75 | 0.0 | 57.51 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 22 January 2024 | Repayment | 17.16 | 16.75 | 0.41 | 0.0 | 0.0 | 83.25 | false | false |
|
||
| 12 February 2024 | Repayment | 17.16 | 16.82 | 0.34 | 0.0 | 0.0 | 66.43 | false | false |
|
||
| 04 March 2024 | Repayment | 10.0 | 9.73 | 0.27 | 0.0 | 0.0 | 56.7 | false | false |
|
||
| 20 March 2024 | Re-age | 56.88 | 56.7 | 0.18 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "20 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4369 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan backdated re-aging during 2nd installment after chargeback on reage start date on a closed period transaction with partially paid installment; adjust to last - interest bearing loan with default behaviour; payable interest - UC1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_PRECLOSE_LAST_INSTALLMENT_STRATEGY | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 25 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.33 | 16.67 | 0.34 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.57 | 16.76 | 0.25 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.71 | 16.86 | 0.15 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.71 | 0.05 | 0.0 | 0.0 | 16.76 | 7.99 | 7.99 | 0.0 | 8.77 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.81 | 0.0 | 0.0 | 101.81 | 25.0 | 7.99 | 0.0 | 76.81 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
When Admin sets the business date to "1 February 2024"
|
||
When Admin runs inline COB job for Loan
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount
|
||
When Admin sets the business date to "1 April 2024"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 15 February 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 14 | 15 February 2024 | 15 February 2024 | 92.59 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 |
|
||
| 3 | 0 | 15 February 2024 | | 77.15 | 15.44 | 0.26 | 0.0 | 0.0 | 15.7 | 0.0 | 0.0 | 0.0 | 15.7 |
|
||
| 4 | 29 | 15 March 2024 | | 61.99 | 15.16 | 0.54 | 0.0 | 0.0 | 15.7 | 0.0 | 0.0 | 0.0 | 15.7 |
|
||
| 5 | 31 | 15 April 2024 | | 46.75 | 15.24 | 0.46 | 0.0 | 0.0 | 15.7 | 0.0 | 0.0 | 0.0 | 15.7 |
|
||
| 6 | 30 | 15 May 2024 | | 31.32 | 15.43 | 0.27 | 0.0 | 0.0 | 15.7 | 0.0 | 0.0 | 0.0 | 15.7 |
|
||
| 7 | 31 | 15 June 2024 | | 15.8 | 15.52 | 0.18 | 0.0 | 0.0 | 15.7 | 0.0 | 0.0 | 0.0 | 15.7 |
|
||
| 8 | 30 | 15 July 2024 | | 0.0 | 15.8 | 0.09 | 0.0 | 0.0 | 15.89 | 0.0 | 0.0 | 0.0 | 15.89 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 117.01 | 2.38 | 0.0 | 0.0 | 119.39 | 25.0 | 7.99 | 0.0 | 94.39 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
| 01 February 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 92.59 | false | false |
|
||
| 15 February 2024 | Re-age | 92.85 | 92.59 | 0.26 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "1 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4378 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan backdated re-aging on 2nd due after repay and chargeback on 1st due with partially paid installment; adjust to last - interest bearing loan with default behaviour - UC2
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_PRECLOSE_LAST_INSTALLMENT_STRATEGY | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
# When Admin runs inline COB job for Loan
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 25 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.33 | 16.67 | 0.34 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.57 | 16.76 | 0.25 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.71 | 16.86 | 0.15 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.71 | 0.05 | 0.0 | 0.0 | 16.76 | 7.99 | 7.99 | 0.0 | 8.77 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.81 | 0.0 | 0.0 | 101.81 | 25.0 | 7.99 | 0.0 | 76.81 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount
|
||
When Admin sets the business date to "1 April 2024"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 1 March 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 8 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 March 2024 | 92.59 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 |
|
||
| 3 | 0 | 01 March 2024 | | 77.38 | 15.21 | 0.54 | 0.0 | 0.0 | 15.75 | 0.0 | 0.0 | 0.0 | 15.75 |
|
||
| 4 | 31 | 01 April 2024 | | 62.17 | 15.21 | 0.54 | 0.0 | 0.0 | 15.75 | 0.0 | 0.0 | 0.0 | 15.75 |
|
||
| 5 | 30 | 01 May 2024 | | 46.78 | 15.39 | 0.36 | 0.0 | 0.0 | 15.75 | 0.0 | 0.0 | 0.0 | 15.75 |
|
||
| 6 | 31 | 01 June 2024 | | 31.3 | 15.48 | 0.27 | 0.0 | 0.0 | 15.75 | 0.0 | 0.0 | 0.0 | 15.75 |
|
||
| 7 | 30 | 01 July 2024 | | 15.73 | 15.57 | 0.18 | 0.0 | 0.0 | 15.75 | 0.0 | 0.0 | 0.0 | 15.75 |
|
||
| 8 | 31 | 01 August 2024 | | 0.0 | 15.73 | 0.09 | 0.0 | 0.0 | 15.82 | 0.0 | 0.0 | 0.0 | 15.82 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 117.01 | 2.56 | 0.0 | 0.0 | 119.57 | 25.0 | 7.99 | 0.0 | 94.57 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
| 01 February 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 92.59 | false | false |
|
||
| 01 March 2024 | Re-age | 93.13 | 92.59 | 0.54 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "1 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4379 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan backdated re-aging on 1st installment after repay and chargeback on 1st due with partially paid installment; adjust to last - interest bearing loan with default behaviour - UC3
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_PRECLOSE_LAST_INSTALLMENT_STRATEGY | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 25 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.33 | 16.67 | 0.34 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.57 | 16.76 | 0.25 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.71 | 16.86 | 0.15 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.71 | 0.05 | 0.0 | 0.0 | 16.76 | 7.99 | 7.99 | 0.0 | 8.77 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.81 | 0.0 | 0.0 | 101.81 | 25.0 | 7.99 | 0.0 | 76.81 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount
|
||
When Admin sets the business date to "1 April 2024"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 February 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 7 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 92.59 | 24.42 | 0.58 | 0.0 | 0.0 | 25.0 | 25.0 | 7.99 | 0.0 | 0.0 |
|
||
| 2 | 0 | 01 February 2024 | | 76.9 | 15.69 | 0.0 | 0.0 | 0.0 | 15.69 | 0.0 | 0.0 | 0.0 | 15.69 |
|
||
| 3 | 29 | 01 March 2024 | | 61.79 | 15.11 | 0.58 | 0.0 | 0.0 | 15.69 | 0.0 | 0.0 | 0.0 | 15.69 |
|
||
| 4 | 31 | 01 April 2024 | | 46.68 | 15.11 | 0.58 | 0.0 | 0.0 | 15.69 | 0.0 | 0.0 | 0.0 | 15.69 |
|
||
| 5 | 30 | 01 May 2024 | | 31.31 | 15.37 | 0.32 | 0.0 | 0.0 | 15.69 | 0.0 | 0.0 | 0.0 | 15.69 |
|
||
| 6 | 31 | 01 June 2024 | | 15.85 | 15.46 | 0.23 | 0.0 | 0.0 | 15.69 | 0.0 | 0.0 | 0.0 | 15.69 |
|
||
| 7 | 30 | 01 July 2024 | | 0.0 | 15.85 | 0.14 | 0.0 | 0.0 | 15.99 | 0.0 | 0.0 | 0.0 | 15.99 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 117.01 | 2.43 | 0.0 | 0.0 | 119.44 | 25.0 | 7.99 | 0.0 | 94.44 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
| 01 February 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 92.59 | false | false |
|
||
| 01 February 2024 | Re-age | 92.59 | 92.59 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
|
||
# When Loan Pay-off is made on "1 April 2024"
|
||
# Then Loan is closed with zero outstanding balance and it's all installments have obligations met //cause error 500
|
||
|
||
@TestRailId:C4380 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan re-aging trn with partial chargeback with custom payment alloc on re-age transaction date - interest bearing loan with default behaviour - UC6.2.1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.25 | 13.32 | 0.98 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.36 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.39 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.34 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.21 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.21 | 0.08 | 0.0 | 0.0 | 14.29 | 0.0 | 0.0 | 0.0 | 14.29 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.8 | 0.0 | 0.0 | 102.8 | 17.01 | 0.0 | 0.0 | 85.79 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 10 EUR transaction amount
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 14 | 15 March 2024 | 15 March 2024 | 83.57 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 4 | 17 | 01 April 2024 | | 70.28 | 22.71 | 1.59 | 0.0 | 0.0 | 24.3 | 0.0 | 0.0 | 0.0 | 24.3 |
|
||
| 5 | 30 | 01 May 2024 | | 56.39 | 13.89 | 0.41 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 6 | 31 | 01 June 2024 | | 42.42 | 13.97 | 0.33 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 7 | 30 | 01 July 2024 | | 28.37 | 14.05 | 0.25 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 8 | 31 | 01 August 2024 | | 14.24 | 14.13 | 0.17 | 0.0 | 0.0 | 14.3 | 0.0 | 0.0 | 0.0 | 14.3 |
|
||
| 9 | 31 | 01 September 2024 | | 0.0 | 14.24 | 0.08 | 0.0 | 0.0 | 14.32 | 0.0 | 0.0 | 0.0 | 14.32 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 109.42 | 3.41 | 0.0 | 0.0 | 112.83 | 17.01 | 0.0 | 0.0 | 95.82 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 15 March 2024 | Re-age | 84.28 | 83.57 | 0.71 | 0.0 | 0.0 | 0.0 | false | false |
|
||
| 15 March 2024 | Chargeback | 10.0 | 9.42 | 0.58 | 0.0 | 0.0 | 92.99 | false | false |
|
||
When Loan Pay-off is made on "15 March 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4381 @AdvancedPaymentAllocation
|
||
Scenario: Verify Loan backdated re-aging post maturity date after chargeback on reage start date on a closed period transaction with partially paid installment; adjust to last - interest bearing loan with default behaviour - UC5.1
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_PRECLOSE_LAST_INSTALLMENT_STRATEGY | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 25 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
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| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
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| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
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| 2 | 29 | 01 March 2024 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
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| 3 | 31 | 01 April 2024 | | 50.33 | 16.67 | 0.34 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
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| 4 | 30 | 01 May 2024 | | 33.57 | 16.76 | 0.25 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
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| 5 | 31 | 01 June 2024 | | 16.71 | 16.86 | 0.15 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
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| 6 | 30 | 01 July 2024 | | 0.0 | 16.71 | 0.05 | 0.0 | 0.0 | 16.76 | 7.99 | 7.99 | 0.0 | 8.77 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 1.81 | 0.0 | 0.0 | 101.81 | 25.0 | 7.99 | 0.0 | 76.81 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
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| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
When Admin sets the business date to "1 February 2024"
|
||
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount
|
||
When Admin sets the business date to "1 April 2024"
|
||
When Admin creates a Loan re-aging transaction by Loan external ID with the following data:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 August 2024 | 6 | DEFAULT |
|
||
Then Loan Repayment schedule has 9 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | 01 April 2024 | 100.58 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
||
| 3 | 31 | 01 April 2024 | 01 April 2024 | 92.59 | 7.99 | 0.0 | 0.0 | 0.0 | 7.99 | 7.99 | 7.99 | 0.0 | 0.0 |
|
||
| 4 | 122 | 01 August 2024 | | 79.63 | 12.96 | 3.24 | 0.0 | 0.0 | 16.2 | 0.0 | 0.0 | 0.0 | 16.2 |
|
||
| 5 | 31 | 01 September 2024 | | 63.89 | 15.74 | 0.46 | 0.0 | 0.0 | 16.2 | 0.0 | 0.0 | 0.0 | 16.2 |
|
||
| 6 | 30 | 01 October 2024 | | 48.06 | 15.83 | 0.37 | 0.0 | 0.0 | 16.2 | 0.0 | 0.0 | 0.0 | 16.2 |
|
||
| 7 | 31 | 01 November 2024 | | 32.14 | 15.92 | 0.28 | 0.0 | 0.0 | 16.2 | 0.0 | 0.0 | 0.0 | 16.2 |
|
||
| 8 | 30 | 01 December 2024 | | 16.13 | 16.01 | 0.19 | 0.0 | 0.0 | 16.2 | 0.0 | 0.0 | 0.0 | 16.2 |
|
||
| 9 | 31 | 01 January 2025 | | 0.0 | 16.13 | 0.09 | 0.0 | 0.0 | 16.22 | 0.0 | 0.0 | 0.0 | 16.22 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 117.01 | 5.21 | 0.0 | 0.0 | 122.22 | 25.0 | 7.99 | 0.0 | 97.22 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 25.0 | 24.42 | 0.58 | 0.0 | 0.0 | 75.58 | false | false |
|
||
| 01 February 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 92.59 | false | false |
|
||
| 01 April 2024 | Re-age | 93.67 | 92.59 | 1.08 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Loan Pay-off is made on "1 April 2024"
|
||
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
|
||
|
||
@TestRailId:C4386 @AdvancedPaymentAllocation
|
||
Scenario: Verify that Re-aging with DEFAULT interest handling is forbidden on written-off loan
|
||
When Admin sets the business date to "01 January 2024"
|
||
When Admin creates a client with random data
|
||
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
||
When Admin creates a fully customized loan with the following data:
|
||
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|
||
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
||
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
||
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
When Admin sets the business date to "01 February 2024"
|
||
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
||
Then Loan Repayment schedule has 6 periods, with the following data for periods:
|
||
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
||
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
||
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
||
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
||
Then Loan Repayment schedule has the following data in Total row:
|
||
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
||
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false |
|
||
When Admin sets the business date to "01 March 2024"
|
||
And Admin does write-off the loan on "01 March 2024"
|
||
Then Loan status will be "CLOSED_WRITTEN_OFF"
|
||
Then Loan Transactions tab has the following data:
|
||
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
||
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
||
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
||
| 01 March 2024 | Close (as written-off) | 85.04 | 83.57 | 1.47 | 0.0 | 0.0 | 0.0 | false | false |
|
||
When Admin sets the business date to "15 March 2024"
|
||
Then Admin fails to create a Loan re-aging transaction with the following data because loan was closed:
|
||
| frequencyNumber | frequencyType | startDate | numberOfInstallments | reAgeInterestHandling |
|
||
| 1 | MONTHS | 01 April 2024 | 6 | DEFAULT |
|
||
|