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Posted to commits@fineract.apache.org by ad...@apache.org on 2026/03/12 09:25:02 UTC
(fineract) 01/02: FINERACT-2421: Split E2E feature files to smaller chunks
This is an automated email from the ASF dual-hosted git repository.
adamsaghy pushed a commit to branch develop
in repository https://gitbox.apache.org/repos/asf/fineract.git
commit 49d49e2801f75d5002f16b1ad3e0902220803399
Author: Adam Saghy <ad...@gmail.com>
AuthorDate: Wed Mar 11 11:32:55 2026 +0100
FINERACT-2421: Split E2E feature files to smaller chunks
---
.../src/test/resources/features/Loan-Part1.feature | 931 ++
.../src/test/resources/features/Loan-Part2.feature | 2581 ++++++
.../src/test/resources/features/Loan-Part3.feature | 2919 ++++++
.../src/test/resources/features/Loan-Part4.feature | 2845 ++++++
.../src/test/resources/features/Loan.feature | 9269 --------------------
5 files changed, 9276 insertions(+), 9269 deletions(-)
diff --git a/fineract-e2e-tests-runner/src/test/resources/features/Loan-Part1.feature b/fineract-e2e-tests-runner/src/test/resources/features/Loan-Part1.feature
new file mode 100644
index 0000000000..8d2e21c060
--- /dev/null
+++ b/fineract-e2e-tests-runner/src/test/resources/features/Loan-Part1.feature
@@ -0,0 +1,931 @@
+@LoanFeature
+Feature: Loan - Part1
+
+ @TestRailId:C16 @Smoke
+ Scenario: Loan creation functionality in Fineract
+ When Admin sets the business date to the actual date
+ When Admin creates a client with random data
+ When Admin creates a new Loan
+
+ @TestRailId:C17
+ Scenario: Loan creation functionality in Fineract
+ When Admin sets the business date to "1 July 2022"
+ When Admin creates a client with random data
+ And Admin successfully creates a new customised Loan submitted on date: "1 July 2022", with Principal: "5000", a loanTermFrequency: 24 months, and numberOfRepayments: 24
+
+ @TestRailId:C42
+ Scenario: As a user I would like to see that the loan is not created if the loan submission date is after the business date
+ When Admin sets the business date to "25 June 2022"
+ When Admin creates a client with random data
+ Then Admin fails to create a new customised Loan submitted on date: "1 July 2022", with Principal: "5000", a loanTermFrequency: 24 months, and numberOfRepayments: 24
+
+ @TestRailId:C43
+ Scenario: As a user I would like to see that the loan is created if the loan submission date is equal to business date
+ When Admin sets the business date to "1 July 2022"
+ When Admin creates a client with random data
+ And Admin successfully creates a new customised Loan submitted on date: "1 July 2022", with Principal: "5000", a loanTermFrequency: 24 months, and numberOfRepayments: 24
+
+ @TestRailId:C46
+ Scenario: As a user I would like to see that the loan is approved at the business date
+ When Admin sets the business date to "1 July 2022"
+ When Admin creates a client with random data
+ And Admin successfully creates a new customised Loan submitted on date: "1 July 2022", with Principal: "5000", a loanTermFrequency: 24 months, and numberOfRepayments: 24
+ And Admin successfully approves the loan on "1 July 2022" with "5000" amount and expected disbursement date on "2 July 2022"
+
+ @TestRailId:C30 @single
+ Scenario: As a user I would like to see that the loan is cannot be approved with future approval date
+ When Admin sets the business date to "1 July 2022"
+ When Admin creates a client with random data
+ And Admin successfully creates a new customised Loan submitted on date: "1 July 2022", with Principal: "5000", a loanTermFrequency: 24 months, and numberOfRepayments: 24
+ Then Admin fails to approve the loan on "2 July 2022" with "5000" amount and expected disbursement date on "2 July 2022" because of wrong date
+
+ @TestRailId:C47 @multi
+ Scenario: As a user I would like to see that the loan can be disbursed at the business date
+ When Admin sets the business date to "1 July 2022"
+ When Admin creates a client with random data
+ And Admin successfully creates a new customised Loan submitted on date: "1 July 2022", with Principal: "5000", a loanTermFrequency: 24 months, and numberOfRepayments: 24
+ And Admin successfully approves the loan on "1 July 2022" with "5000" amount and expected disbursement date on "2 July 2022"
+ When Admin successfully disburse the loan on "1 July 2022" with "5000" EUR transaction amount
+
+ @TestRailId:C31
+ Scenario: As a user I would like to see that the loan is cannot be disbursed with future disburse date
+ When Admin sets the business date to "1 July 2022"
+ When Admin creates a client with random data
+ And Admin successfully creates a new customised Loan submitted on date: "1 July 2022", with Principal: "5000", a loanTermFrequency: 24 months, and numberOfRepayments: 24
+ And Admin successfully approves the loan on "1 July 2022" with "5000" amount and expected disbursement date on "2 July 2022"
+ Then Admin fails to disburse the loan on "2 July 2022" with "5000" EUR transaction amount because of wrong date
+
+ @TestRailId:C64
+ Scenario: As a user I would like to see that 50% over applied amount can be approved and disbursed on loan correctly
+ When Admin sets the business date to "1 September 2022"
+ When Admin creates a client with random data
+ When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
+ And Admin successfully approves the loan on "1 September 2022" with "1500" amount and expected disbursement date on "1 September 2022"
+ When Admin successfully disburse the loan on "1 September 2022" with "1500" EUR transaction amount
+
+ @TestRailId:C65
+ Scenario: As a user I would like to see that 50% over applied amount can be approved but more than 50% cannot be disbursed on loan
+ When Admin sets the business date to "1 September 2022"
+ When Admin creates a client with random data
+ When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
+ And Admin successfully approves the loan on "1 September 2022" with "1500" amount and expected disbursement date on "1 September 2022"
+ Then Admin fails to disburse the loan on "1 September 2022" with "1501" EUR transaction amount because of wrong amount
+
+ @TestRailId:C66
+ Scenario: As a user I would like to see that more than 50% over applied amount can not be approved on loan
+ When Admin sets the business date to "1 September 2022"
+ When Admin creates a client with random data
+ When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
+ Then Admin fails to approve the loan on "1 September 2022" with "1501" amount and expected disbursement date on "1 September 2022" because of wrong amount
+
+ @TestRailId:C2769
+ Scenario: As a user I would like to see that more than 50% over applied amount in total can not be disbursed on loan
+ When Admin sets the business date to "1 September 2022"
+ When Admin creates a client with random data
+ When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
+ And Admin successfully approves the loan on "1 September 2022" with "1500" amount and expected disbursement date on "1 September 2022"
+ And Admin successfully disburse the loan on "1 September 2022" with "1400" EUR transaction amount
+ Then Admin fails to disburse the loan on "1 September 2022" with "101" EUR transaction amount because of wrong amount
+
+ @TestRailId:C3767
+ Scenario: Verify disbursed amount exceeds approved over applied amount for progressive loan with percentage overAppliedCalculationType
+ When Admin sets the business date to "1 September 2022"
+ When Admin creates a client with random data
+ When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
+ And Admin successfully approves the loan on "1 September 2022" with "1300" amount and expected disbursement date on "1 September 2022"
+ Then Loan has availableDisbursementAmountWithOverApplied field with value: 1500
+ And Admin successfully disburse the loan on "1 September 2022" with "1200" EUR transaction amount
+ Then Loan has availableDisbursementAmountWithOverApplied field with value: 300
+ Then Admin fails to disburse the loan on "1 September 2022" with "301" EUR transaction amount because of wrong amount
+
+ When Loan Pay-off is made on "1 September 2022"
+ Then Loan's all installments have obligations met
+
+ @TestRailId:C3768
+ Scenario: Verify approved amount exceeds approved over applied amount for progressive loan with flat overAppliedCalculationType
+ When Admin sets the business date to "1 January 2024"
+ And Admin creates a client with random data
+ And Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_APPROVED_OVER_APPLIED_FLAT_CAPITALIZED_INCOME | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ Then Admin fails to approve the loan on "1 January 2024" with "2001" amount and expected disbursement date on "1 January 2024" because of wrong amount
+
+ And Admin successfully rejects the loan on "1 January 2024"
+ Then Loan status will be "REJECTED"
+
+ @TestRailId:C3769
+ Scenario: Verify disbursed amount exceeds approved over applied amount for progressive loan with flat overAppliedCalculationType
+ When Admin sets the business date to "1 January 2024"
+ And Admin creates a client with random data
+ And Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "1 January 2024" with "9000" amount and expected disbursement date on "1 January 2024"
+ Then Loan has availableDisbursementAmountWithOverApplied field with value: 11000
+ And Admin successfully disburse the loan on "1 January 2024" with "9900" EUR transaction amount
+ Then Loan has availableDisbursementAmountWithOverApplied field with value: 1100
+ Then Admin fails to disburse the loan on "1 January 2024" with "1200" EUR transaction amount because of wrong amount
+
+ When Loan Pay-off is made on "1 January 2024"
+ Then Loan's all installments have obligations met
+
+ @TestRailId:C3895
+ Scenario: Verify disbursed amount approved over applied amount for progressive loan that expects tranches with percentage overAppliedCalculationType - UC1
+ When Admin sets the business date to "1 January 2024"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with disbursement 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 [...]
+ | LP2_PROGRESSIVE_ADV_PYMNT_INTEREST_RECALC_360_30_MULTIDISB_OVER_APPLIED_EXPECTED_TRANCHES | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000.0 [...]
+ And Admin successfully approves the loan on "1 January 2024" with "1200" amount and expected disbursement date on "1 January 2024"
+ Then Loan has availableDisbursementAmountWithOverApplied field with value: 500
+ Then Loan status will be "APPROVED"
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2024 | | 1000.0 | |
+ When Admin sets the business date to "2 January 2024"
+ And Admin successfully add disbursement detail to the loan on "5 January 2024" with 200 EUR transaction amount
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2024 | | 1000.0 | |
+ | 05 January 2024 | | 200.0 | 1200.0 |
+ And Admin checks available disbursement amount 0.0 EUR
+ Then Loan has availableDisbursementAmountWithOverApplied field with value: 300
+ Then Admin fails to disburse the loan on "2 January 2024" with "1600" EUR transaction amount because of wrong amount
+ And Admin successfully disburse the loan on "2 January 2024" with "1300" EUR transaction amount
+ Then Loan has availableDisbursementAmountWithOverApplied field with value: 0
+ Then Loan status will be "ACTIVE"
+ And Admin checks available disbursement amount 0.0 EUR
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2024 | 02 January 2024 | 1300.0 | |
+ | 05 January 2024 | | 200.0 | 1200.0 |
+
+ When Loan Pay-off is made on "2 January 2024"
+ Then Loan's all installments have obligations met
+
+ @TestRailId:C3896
+ Scenario: Verify disbursed amount approved over applied amount for progressive loan that expects tranches with percentage overAppliedCalculationType - UC2
+ When Admin sets the business date to "1 January 2024"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with disbursement 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 [...]
+ | LP2_PROGRESSIVE_ADV_PYMNT_INTEREST_RECALC_360_30_MULTIDISB_OVER_APPLIED_EXPECTED_TRANCHES | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000.0 [...]
+ And Admin successfully approves the loan on "1 January 2024" with "1200" amount and expected disbursement date on "1 January 2024"
+ Then Loan has availableDisbursementAmountWithOverApplied field with value: 500
+ Then Loan status will be "APPROVED"
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2024 | | 1000.0 | |
+ When Admin sets the business date to "2 January 2024"
+ And Admin successfully add disbursement detail to the loan on "5 January 2024" with 200 EUR transaction amount
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2024 | | 1000.0 | |
+ | 05 January 2024 | | 200.0 | 1200.0 |
+ And Admin checks available disbursement amount 0.0 EUR
+ Then Loan has availableDisbursementAmountWithOverApplied field with value: 300
+ Then Admin fails to disburse the loan on "2 January 2024" with "1600" EUR transaction amount because of wrong amount
+ And Admin successfully disburse the loan on "2 January 2024" with "1100" EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ And Admin checks available disbursement amount 100.0 EUR
+ Then Loan has availableDisbursementAmountWithOverApplied field with value: 200
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2024 | 02 January 2024 | 1100.0 | |
+ | 05 January 2024 | | 200.0 | 1200.0 |
+
+ When Loan Pay-off is made on "2 January 2024"
+ Then Loan's all installments have obligations met
+
+ @TestRailId:C67
+ Scenario: As admin I would like to check that amounts are distributed equally in loan repayment schedule
+ When Admin sets the business date to "1 September 2022"
+ When Admin creates a client with random data
+ When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
+ And Admin successfully approves the loan on "1 September 2022" with "1000" amount and expected disbursement date on "1 September 2022"
+ Then Amounts are distributed equally in loan repayment schedule in case of total amount 1000
+ When Admin successfully disburse the loan on "1 September 2022" with "900" EUR transaction amount
+ Then Amounts are distributed equally in loan repayment schedule in case of total amount 900
+
+ @TestRailId:C68
+ Scenario: As admin I would like to be sure that approval of on loan can be undone
+ When Admin sets the business date to "1 September 2022"
+ When Admin creates a client with random data
+ When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
+ And Admin successfully approves the loan on "1 September 2022" with "1000" amount and expected disbursement date on "1 September 2022"
+ Then Admin can successfully undone the loan approval
+
+ @TestRailId:C69
+ Scenario: As admin I would like to be sure that disbursal of on loan can be undone
+ When Admin sets the business date to "1 September 2022"
+ When Admin creates a client with random data
+ When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
+ And Admin successfully approves the loan on "1 September 2022" with "1000" amount and expected disbursement date on "1 September 2022"
+ When Admin successfully disburse the loan on "1 September 2022" with "1000" EUR transaction amount
+ Then Admin can successfully undone the loan disbursal
+ Then Admin can successfully undone the loan approval
+ And Admin successfully approves the loan on "1 September 2022" with "1000" amount and expected disbursement date on "1 September 2022"
+
+ @TestRailId:C70
+ Scenario: As admin I would like to be sure that submitted on date can be edited on loan
+ When Admin sets the business date to "1 September 2022"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 September 2022"
+ Then Admin can successfully modify the loan and changes the submitted on date to "31 August 2022"
+
+ @TestRailId:C2454 @fraud
+ Scenario: As admin I would like to set Fraud flag to a loan
+ When Admin sets the business date to "1 September 2022"
+ When Admin creates a client with random data
+ When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
+ And Admin successfully approves the loan on "1 September 2022" with "1000" amount and expected disbursement date on "1 September 2022"
+ When Admin successfully disburse the loan on "1 September 2022" with "1000" EUR transaction amount
+ Then Admin can successfully set Fraud flag to the loan
+
+ @TestRailId:C2455 @fraud
+ Scenario: As admin I would like to unset Fraud flag to a loan
+ When Admin sets the business date to "1 September 2022"
+ When Admin creates a client with random data
+ When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
+ And Admin successfully approves the loan on "1 September 2022" with "1000" amount and expected disbursement date on "1 September 2022"
+ When Admin successfully disburse the loan on "1 September 2022" with "1000" EUR transaction amount
+ Then Admin can successfully set Fraud flag to the loan
+ Then Admin can successfully unset Fraud flag to the loan
+
+
+ @TestRailId:C2456 @fraud
+ Scenario: As admin I would like to try to add fraud flag on a not active loan
+ When Admin sets the business date to "25 October 2022"
+ When Admin creates a client with random data
+ When Admin successfully creates a new customised Loan submitted on date: "25 October 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
+ And Admin successfully approves the loan on "25 October 2022" with "1000" amount and expected disbursement date on "25 October 2022"
+ Then Admin can successfully unset Fraud flag to the loan
+
+ @TestRailId:C2473 @idempotency
+ Scenario: As admin I would like to verify that idempotency APIs can be called with the Idempotency-Key header
+ When Admin sets the business date to "1 November 2022"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 November 2022"
+ And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
+ When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
+ When Admin sets the business date to "15 November 2022"
+ When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
+ Then Loan has 1 "DISBURSEMENT" transactions on Transactions tab
+ Then Loan has 1 "REPAYMENT" transactions on Transactions tab
+
+ @TestRailId:C2474 @idempotency
+ Scenario: As admin I would like to verify that idempotency APIs can be called without the Idempotency-Key header
+ When Admin sets the business date to "1 November 2022"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 November 2022"
+ And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
+ When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
+ When Admin sets the business date to "15 November 2022"
+ When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and system-generated Idempotency key
+ Then Loan has 1 "DISBURSEMENT" transactions on Transactions tab
+ Then Loan has 1 "REPAYMENT" transactions on Transactions tab
+
+ @TestRailId:C2475 @idempotency
+ Scenario: As admin I would like to verify that idempotency applies correctly in a happy path scenario in case of REPAYMENT transaction
+ When Admin sets the business date to "1 November 2022"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 November 2022"
+ And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
+ When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
+ When Admin sets the business date to "15 November 2022"
+ When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
+ And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 November 2022" with 300 EUR transaction amount with the same Idempotency key as previous transaction
+ Then Transaction response has boolean value in header "x-served-from-cache": "true"
+ Then Transaction response has 200 EUR value for transaction amount
+ Then Transaction response has the correct clientId and the loanId of the first transaction
+ Then Loan has 1 "REPAYMENT" transactions on Transactions tab
+
+ @TestRailId:C2476 @idempotency
+ Scenario: As admin I would like to verify that idempotency applies correctly in a happy path scenario in case of GOODWILL_CREDIT transaction
+ When Admin sets the business date to "1 November 2022"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 November 2022"
+ And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
+ When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
+ When Admin sets the business date to "15 November 2022"
+ When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 November 2022" with 1000 EUR transaction amount and system-generated Idempotency key
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
+ And Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "15 November 2022" with 300 EUR transaction amount with the same Idempotency key as previous transaction
+ Then Transaction response has boolean value in header "x-served-from-cache": "true"
+ Then Transaction response has 200 EUR value for transaction amount
+ Then Transaction response has the correct clientId and the loanId of the first transaction
+ Then Loan has 1 "GOODWILL_CREDIT" transactions on Transactions tab
+
+ @TestRailId:C2477 @idempotency
+ Scenario: As admin I would like to verify that idempotency applies correctly in a happy path scenario in case of PAYOUT_REFUND transaction
+ When Admin sets the business date to "1 November 2022"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 November 2022"
+ And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
+ When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
+ When Admin sets the business date to "15 November 2022"
+ When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
+ And Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "15 November 2022" with 300 EUR transaction amount with the same Idempotency key as previous transaction
+ Then Transaction response has boolean value in header "x-served-from-cache": "true"
+ Then Transaction response has 200 EUR value for transaction amount
+ Then Transaction response has the correct clientId and the loanId of the first transaction
+ Then Loan has 1 "PAYOUT_REFUND" transactions on Transactions tab
+
+ @TestRailId:C2478 @idempotency
+ Scenario: As admin I would like to verify that idempotency applies correctly in a happy path scenario in case of MERCHANT_ISSUED_REFUND transaction
+ When Admin sets the business date to "1 November 2022"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 November 2022"
+ And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
+ When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
+ When Admin sets the business date to "15 November 2022"
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
+ And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 November 2022" with 300 EUR transaction amount with the same Idempotency key as previous transaction
+ Then Transaction response has boolean value in header "x-served-from-cache": "true"
+ Then Transaction response has 200 EUR value for transaction amount
+ Then Transaction response has the correct clientId and the loanId of the first transaction
+ Then Loan has 1 "MERCHANT_ISSUED_REFUND" transactions on Transactions tab
+
+ @TestRailId:C2482 @idempotency
+ Scenario: As admin I would like to verify that idempotency applies correctly in case of client calls the same idempotency key on a second loan
+ When Admin sets the business date to "1 November 2022"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 November 2022"
+ And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
+ When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
+ When Admin crates a second default loan with date: "1 November 2022"
+ And Admin successfully approves the second loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
+ When Admin successfully disburse the second loan on "1 November 2022" with "1000" EUR transaction amount
+ When Admin sets the business date to "15 November 2022"
+ When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
+ And Customer makes "REPAYMENT" transaction on the second loan with "AUTOPAY" payment type on "15 November 2022" with 300 EUR transaction amount with the same Idempotency key as previous transaction
+ Then Transaction response has boolean value in header "x-served-from-cache": "true"
+ Then Transaction response has 200 EUR value for transaction amount
+ Then Transaction response has the correct clientId and the loanId of the first transaction
+ Then Loan has 1 "REPAYMENT" transactions on Transactions tab
+ Then Second loan has 0 "REPAYMENT" transactions on Transactions tab
+
+# TODO unskip and check when PS-1106 is done
+ @Skip @TestRailId:C2483 @idempotency
+ Scenario: As admin I would like to verify that idempotency applies correctly in case of a second client calls the same idempotency key on a second loan
+ When Admin sets the business date to "1 November 2022"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 November 2022"
+ And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
+ When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
+ When Admin creates a second client with random data
+ When Admin crates a second default loan for the second client with date: "1 November 2022"
+ And Admin successfully approves the second loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
+ When Admin successfully disburse the second loan on "1 November 2022" with "1000" EUR transaction amount
+ When Admin sets the business date to "15 November 2022"
+ When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
+ And Customer makes "REPAYMENT" transaction on the second loan with "AUTOPAY" payment type on "15 November 2022" with 300 EUR transaction amount with the same Idempotency key as previous transaction
+ Then Transaction response has boolean value in header "x-served-from-cache": "true"
+ Then Transaction response has 300 EUR value for transaction amount
+ Then Transaction response has the clientId for the second client and the loanId of the second transaction
+ Then Loan has 1 "REPAYMENT" transactions on Transactions tab
+ Then Second loan has 1 "REPAYMENT" transactions on Transactions tab
+
+ @TestRailId:C2479
+ Scenario: As admin I would like to be sure that goodwill credit transaction is working properly
+ When Admin sets the business date to "1 November 2022"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 November 2022"
+ And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
+ When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
+ When Admin sets the business date to "15 November 2022"
+ And Customer makes "AUTOPAY" repayment on "15 November 2022" with 1000 EUR transaction amount
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
+ Then Loan has 1 "GOODWILL_CREDIT" transactions on Transactions tab
+
+ @TestRailId:C2480
+ Scenario: As admin I would like to be sure that payout refund transaction is working properly
+ When Admin sets the business date to "1 November 2022"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 November 2022"
+ And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
+ When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
+ When Admin sets the business date to "15 November 2022"
+ And Customer makes "AUTOPAY" repayment on "15 November 2022" with 1000 EUR transaction amount
+ When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
+ Then Loan has 1 "PAYOUT_REFUND" transactions on Transactions tab
+
+ @TestRailId:C2481
+ Scenario: As admin I would like to be sure that merchant issued refund transaction is working properly
+ When Admin sets the business date to "1 November 2022"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 November 2022"
+ And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
+ When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
+ When Admin sets the business date to "15 November 2022"
+ And Customer makes "AUTOPAY" repayment on "15 November 2022" with 1000 EUR transaction amount
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
+ Then Loan has 1 "MERCHANT_ISSUED_REFUND" transactions on Transactions tab
+
+ @TestRailId:C2488
+ Scenario: As admin I would like to be sure that no multiple status change event got raised during transaction replaying
+ When Admin sets the business date to "1 November 2022"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 November 2022"
+ And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
+ Then Loan status has changed to "Approved"
+ When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
+ Then Loan status has changed to "Active"
+ When Admin sets the business date to "2 November 2022"
+ And Customer makes "AUTOPAY" repayment on "2 November 2022" with 500 EUR transaction amount
+ When Admin sets the business date to "3 November 2022"
+ And Customer makes "AUTOPAY" repayment on "3 November 2022" with 100 EUR transaction amount
+ When Admin sets the business date to "4 November 2022"
+ And Customer makes "AUTOPAY" repayment on "4 November 2022" with 600 EUR transaction amount
+ Then Loan status has changed to "Overpaid"
+ When Customer undo "2"th repayment on "4 November 2022"
+ Then No new event with type "LoanStatusChangedEvent" has been raised for the loan
+ When Customer undo "1"th repayment on "4 November 2022"
+ Then Loan status has changed to "Active"
+
+ @TestRailId:C2489
+ Scenario: As admin I would like to charge-off a loan and be sure the event was triggered
+ When Admin sets the business date to "1 November 2022"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 November 2022"
+ And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
+ When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
+ When Admin sets the business date to "2 November 2022"
+ And Customer makes "AUTOPAY" repayment on "2 November 2022" with 500 EUR transaction amount
+ When Admin sets the business date to "3 November 2022"
+ And Admin does charge-off the loan on "3 November 2022"
+ Then Loan marked as charged-off on "03 November 2022"
+
+ @TestRailId:C2491
+ Scenario: As a user I would like to do multiple repayment, overpay the loan and reverse-replaying transactions and check outstanding balance
+ When Admin sets the business date to "01 November 2022"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "01 November 2022"
+ And Admin successfully approves the loan on "01 November 2022" with "1000" amount and expected disbursement date on "01 November 2022"
+ When Admin successfully disburse the loan on "01 November 2022" with "1000" EUR transaction amount
+ Then Loan has 1000 outstanding amount
+ When Admin sets the business date to "02 November 2022"
+ And Customer makes "AUTOPAY" repayment on "02 November 2022" with 500 EUR transaction amount
+ Then Loan Transactions tab has a transaction with date: "02 November 2022", and with the following data:
+ | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | Repayment | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ Then Loan has 500 outstanding amount
+ When Admin sets the business date to "03 November 2022"
+ And Customer makes "AUTOPAY" repayment on "03 November 2022" with 10 EUR transaction amount
+ Then Loan Transactions tab has a transaction with date: "03 November 2022", and with the following data:
+ | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 490.0 |
+ Then Loan has 490 outstanding amount
+ When Admin sets the business date to "04 November 2022"
+ And Customer makes "AUTOPAY" repayment on "04 November 2022" with 400 EUR transaction amount
+ Then Loan Transactions tab has a transaction with date: "04 November 2022", and with the following data:
+ | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | Repayment | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 90.0 |
+ Then Loan has 90 outstanding amount
+ When Admin sets the business date to "05 November 2022"
+ And Customer makes "AUTOPAY" repayment on "05 November 2022" with 390 EUR transaction amount
+ Then Loan Transactions tab has a transaction with date: "05 November 2022", and with the following data:
+ | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | Repayment | 390.0 | 90.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ Then Loan has 300 overpaid amount
+ When Customer undo "2"th repayment on "04 November 2022"
+ Then In Loan Transactions the "3"th Transaction has Transaction type="Repayment" and is reverted
+ Then Loan Transactions tab has a transaction with date: "04 November 2022", and with the following data:
+ | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | Repayment | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ Then Loan Transactions tab has a transaction with date: "05 November 2022", and with the following data:
+ | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | Repayment | 390.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ Then Loan has 290 overpaid amount
+ When Customer undo "1"th repayment on "04 November 2022"
+ Then In Loan Transactions the "2"th Transaction has Transaction type="Repayment" and is reverted
+ Then In Loan Transactions the "3"th Transaction has Transaction type="Repayment" and is reverted
+ Then Loan Transactions tab has a transaction with date: "04 November 2022", and with the following data:
+ | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | Repayment | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 600.0 |
+ Then Loan Transactions tab has a transaction with date: "05 November 2022", and with the following data:
+ | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | Repayment | 390.0 | 390.0 | 0.0 | 0.0 | 0.0 | 210.0 |
+ Then Loan has 210 outstanding amount
+ And Customer makes "AUTOPAY" repayment on "02 November 2022" with 500 EUR transaction amount
+ Then Loan has 290 overpaid amount
+
+ @TestRailId:C2502
+ Scenario: Verify that Loan status goes from active to overpaid in case of Goodwill credit transaction when transaction amount is greater than balance
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 January 2023"
+ And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
+ When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "3 January 2023"
+ And Customer makes "AUTOPAY" repayment on "3 January 2023" with 450 EUR transaction amount
+ When Admin sets the business date to "5 January 2023"
+ And Customer makes "AUTOPAY" repayment on "5 January 2023" with 250 EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ Then Loan has 300 outstanding amount
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "5 January 2023" with 400 EUR transaction amount and system-generated Idempotency key
+ Then Loan status will be "OVERPAID"
+ Then Loan has 0 outstanding amount
+ Then Loan has 100 overpaid amount
+ Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | 1000.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "03 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 450.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "05 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 250.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
+ Then Loan Transactions tab has a "GOODWILL_CREDIT" transaction with date "05 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 300.0 |
+ | LIABILITY | l1 | Overpayment account | | 100.0 |
+ | EXPENSE | 744003 | Goodwill Expense Account | 400.0 | |
+
+ @TestRailId:C2503
+ Scenario: Verify that Loan status goes from active to overpaid in case of Backdated 3rd repayment when transaction amount is greater than balance
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 January 2023"
+ And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
+ When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "3 January 2023"
+ And Customer makes "AUTOPAY" repayment on "3 January 2023" with 450 EUR transaction amount
+ When Admin sets the business date to "5 January 2023"
+ And Customer makes "AUTOPAY" repayment on "5 January 2023" with 250 EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ Then Loan has 300 outstanding amount
+ And Customer makes "AUTOPAY" repayment on "2 January 2023" with 400 EUR transaction amount
+ Then Loan status will be "OVERPAID"
+ Then Loan has 0 outstanding amount
+ Then Loan has 100 overpaid amount
+ Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | 1000.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "02 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 400.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 400.0 | |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "03 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 450.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "05 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 150.0 |
+ | LIABILITY | l1 | Overpayment account | | 100.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
+
+
+ @TestRailId:C2504
+ Scenario: Verify that Loan status goes from overpaid to active in case of Chargeback transaction when transaction amount is greater than overpaid amount
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 January 2023"
+ And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
+ When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "3 January 2023"
+ And Customer makes "AUTOPAY" repayment on "3 January 2023" with 450 EUR transaction amount
+ When Admin sets the business date to "5 January 2023"
+ And Customer makes "AUTOPAY" repayment on "5 January 2023" with 450 EUR transaction amount
+ And Customer makes "AUTOPAY" repayment on "5 January 2023" with 300 EUR transaction amount
+ Then Loan status will be "OVERPAID"
+ Then Loan has 0 outstanding amount
+ Then Loan has 200 overpaid amount
+ When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 300 EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ Then Loan has 100 outstanding amount
+ Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | 1000.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "03 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 450.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "05 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 450.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
+ | ASSET | 112601 | Loans Receivable | | 100.0 |
+ | LIABILITY | l1 | Overpayment account | | 200.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 300.0 | |
+ Then Loan Transactions tab has a "CHARGEBACK" transaction with date "05 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | 100.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 300.0 |
+ | LIABILITY | l1 | Overpayment account | 200.0 | |
+
+ @TestRailId:C2506
+ Scenario: Verify that Loan status goes from overpaid to active in case of 1st repayment is undone
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 January 2023"
+ And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
+ When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "3 January 2023"
+ And Customer makes "AUTOPAY" repayment on "3 January 2023" with 450 EUR transaction amount
+ When Admin sets the business date to "5 January 2023"
+ And Customer makes "AUTOPAY" repayment on "5 January 2023" with 450 EUR transaction amount
+ And Customer makes "AUTOPAY" repayment on "5 January 2023" with 300 EUR transaction amount
+ Then Loan status will be "OVERPAID"
+ Then Loan has 0 outstanding amount
+ Then Loan has 200 overpaid amount
+ When Customer undo "1"th repayment on "3 January 2023"
+ Then Loan status will be "ACTIVE"
+ Then Loan has 250 outstanding amount
+ Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | 1000.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "03 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 450.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
+ | ASSET | 112601 | Loans Receivable | 450.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 450.0 |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "05 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 450.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
+ | ASSET | 112601 | Loans Receivable | | 300.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 300.0 | |
+
+ @TestRailId:C2507
+ Scenario: Verify that Loan status goes from active to closed in case of Goodwill credit transaction when transaction amount equals balance
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 January 2023"
+ And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
+ When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "3 January 2023"
+ And Customer makes "AUTOPAY" repayment on "3 January 2023" with 450 EUR transaction amount
+ When Admin sets the business date to "5 January 2023"
+ And Customer makes "AUTOPAY" repayment on "5 January 2023" with 250 EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ Then Loan has 300 outstanding amount
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "5 January 2023" with 300 EUR transaction amount and system-generated Idempotency key
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding amount
+ Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | 1000.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "03 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 450.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "05 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 250.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
+ Then Loan Transactions tab has a "GOODWILL_CREDIT" transaction with date "05 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 300.0 |
+ | EXPENSE | 744003 | Goodwill Expense Account | 300.0 | |
+
+ @TestRailId:C2508
+ Scenario: Verify that Loan status goes from active to closed in case of Backdated 3rd repayment when transaction amount equals balance
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 January 2023"
+ And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
+ When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "3 January 2023"
+ And Customer makes "AUTOPAY" repayment on "3 January 2023" with 450 EUR transaction amount
+ When Admin sets the business date to "5 January 2023"
+ And Customer makes "AUTOPAY" repayment on "5 January 2023" with 250 EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ Then Loan has 300 outstanding amount
+ And Customer makes "AUTOPAY" repayment on "2 January 2023" with 300 EUR transaction amount
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding amount
+ Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | 1000.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "02 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 300.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 300.0 | |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "03 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 450.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "05 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 250.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
+
+ @TestRailId:C2509
+ Scenario: Verify that Loan status goes from closed to overpaid in case of Goodwill credit transaction
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 January 2023"
+ And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
+ When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "3 January 2023"
+ And Customer makes "AUTOPAY" repayment on "3 January 2023" with 500 EUR transaction amount
+ When Admin sets the business date to "5 January 2023"
+ And Customer makes "AUTOPAY" repayment on "5 January 2023" with 300 EUR transaction amount
+ When Admin sets the business date to "7 January 2023"
+ And Customer makes "AUTOPAY" repayment on "7 January 2023" with 200 EUR transaction amount
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding amount
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "7 January 2023" with 100 EUR transaction amount and system-generated Idempotency key
+ Then Loan status will be "OVERPAID"
+ Then Loan has 0 outstanding amount
+ Then Loan has 100 overpaid amount
+ Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | 1000.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "03 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 500.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 500.0 | |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "05 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 300.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 300.0 | |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "07 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 200.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 200.0 | |
+ Then Loan Transactions tab has a "GOODWILL_CREDIT" transaction with date "07 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | LIABILITY | l1 | Overpayment account | | 100.0 |
+ | EXPENSE | 744003 | Goodwill Expense Account | 100.0 | |
+
+
+ @TestRailId:C2510
+ Scenario: Verify that Loan status goes from overpaid to closed in case of Chargeback transaction when transaction amount equals overpaid amount
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 January 2023"
+ And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
+ When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "3 January 2023"
+ And Customer makes "AUTOPAY" repayment on "3 January 2023" with 450 EUR transaction amount
+ When Admin sets the business date to "5 January 2023"
+ And Customer makes "AUTOPAY" repayment on "5 January 2023" with 450 EUR transaction amount
+ And Customer makes "AUTOPAY" repayment on "5 January 2023" with 300 EUR transaction amount
+ Then Loan status will be "OVERPAID"
+ Then Loan has 0 outstanding amount
+ Then Loan has 200 overpaid amount
+ When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 200 EUR transaction amount
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding amount
+ Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | 1000.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "03 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 450.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "05 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 450.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
+ | ASSET | 112601 | Loans Receivable | | 100.0 |
+ | LIABILITY | l1 | Overpayment account | | 200.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 300.0 | |
+ Then Loan Transactions tab has a "CHARGEBACK" transaction with date "05 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | LIABILITY | l1 | Overpayment account | 200.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 200.0 |
+
+
+ @TestRailId:C2512
+ Scenario: Verify that Loan status goes from overpaid to closed in case of 1st repayment is undone
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 January 2023"
+ And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
+ When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "3 January 2023"
+ And Customer makes "AUTOPAY" repayment on "3 January 2023" with 200 EUR transaction amount
+ When Admin sets the business date to "5 January 2023"
+ And Customer makes "AUTOPAY" repayment on "5 January 2023" with 700 EUR transaction amount
+ And Customer makes "AUTOPAY" repayment on "5 January 2023" with 300 EUR transaction amount
+ Then Loan status will be "OVERPAID"
+ Then Loan has 0 outstanding amount
+ Then Loan has 200 overpaid amount
+ When Customer undo "1"th repayment on "3 January 2023"
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding amount
+ Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | 1000.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "03 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 200.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 200.0 | |
+ | ASSET | 112601 | Loans Receivable | 200.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 200.0 |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "05 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 700.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 700.0 | |
+ | ASSET | 112601 | Loans Receivable | | 300.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 300.0 | |
+
+ @TestRailId:C2513
+ Scenario: Verify that Loan status goes from closed to active in case of Chargeback transaction
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 January 2023"
+ And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
+ When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "3 January 2023"
+ And Customer makes "AUTOPAY" repayment on "3 January 2023" with 500 EUR transaction amount
+ When Admin sets the business date to "5 January 2023"
+ And Customer makes "AUTOPAY" repayment on "5 January 2023" with 300 EUR transaction amount
+ When Admin sets the business date to "7 January 2023"
+ And Customer makes "AUTOPAY" repayment on "7 January 2023" with 200 EUR transaction amount
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding amount
+ When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 200 EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ Then Loan has 200 outstanding amount
+ Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | 1000.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "03 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 500.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 500.0 | |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "05 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 300.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 300.0 | |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "07 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 200.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 200.0 | |
+ Then Loan Transactions tab has a "CHARGEBACK" transaction with date "07 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | 200.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 200.0 |
+
+ @TestRailId:C2514
+ Scenario: Verify that Loan status goes from closed to active in case of 1st repayment is undone
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 January 2023"
+ And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
+ When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "3 January 2023"
+ And Customer makes "AUTOPAY" repayment on "3 January 2023" with 200 EUR transaction amount
+ When Admin sets the business date to "5 January 2023"
+ And Customer makes "AUTOPAY" repayment on "5 January 2023" with 600 EUR transaction amount
+ When Admin sets the business date to "7 January 2023"
+ And Customer makes "AUTOPAY" repayment on "7 January 2023" with 200 EUR transaction amount
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding amount
+ When Customer undo "1"th repayment on "3 January 2023"
+ Then Loan status will be "ACTIVE"
+ Then Loan has 200 outstanding amount
+ Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | 1000.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "03 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 200.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 200.0 | |
+ | ASSET | 112601 | Loans Receivable | 200.0 | |
+ | LIABILITY | 145023 | Suspense/Clearing account | | 200.0 |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "05 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 600.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 600.0 | |
+ Then Loan Transactions tab has a "REPAYMENT" transaction with date "07 January 2023" which has the following Journal entries:
+ | Type | Account code | Account name | Debit | Credit |
+ | ASSET | 112601 | Loans Receivable | | 200.0 |
+ | LIABILITY | 145023 | Suspense/Clearing account | 200.0 | |
+
+
+ @TestRailId:C2539
+ Scenario: Verify that loan overdue calculation is updated upon Goodwill credit transaction
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 January 2023"
+ And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
+ When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "1 March 2023"
+ When Admin runs inline COB job for Loan
+ Then Admin checks that delinquency range is: "RANGE_3" and has delinquentDate "2023-02-03"
+ Then Loan status will be "ACTIVE"
+ Then Loan has 1000 outstanding amount
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "1 March 2023" with 1000 EUR transaction amount and system-generated Idempotency key
+ Then Admin checks that delinquency range is: "NO_DELINQUENCY" and has delinquentDate ""
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding amount
diff --git a/fineract-e2e-tests-runner/src/test/resources/features/Loan-Part2.feature b/fineract-e2e-tests-runner/src/test/resources/features/Loan-Part2.feature
new file mode 100644
index 0000000000..4574122c42
--- /dev/null
+++ b/fineract-e2e-tests-runner/src/test/resources/features/Loan-Part2.feature
@@ -0,0 +1,2581 @@
+@LoanFeature
+Feature: Loan - Part2
+
+ @TestRailId:C2540
+ Scenario: Verify that loan overdue calculation is updated upon Payout refund transaction
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 January 2023"
+ And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
+ When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "1 March 2023"
+ When Admin runs inline COB job for Loan
+ Then Admin checks that delinquency range is: "RANGE_3" and has delinquentDate "2023-02-03"
+ Then Loan status will be "ACTIVE"
+ Then Loan has 1000 outstanding amount
+ When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "1 March 2023" with 1000 EUR transaction amount and system-generated Idempotency key
+ Then Admin checks that delinquency range is: "NO_DELINQUENCY" and has delinquentDate ""
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding amount
+
+ @TestRailId:C2541
+ Scenario: Verify that loan overdue calculation is updated upon Merchant issued refund transaction
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 January 2023"
+ And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
+ When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "1 March 2023"
+ When Admin runs inline COB job for Loan
+ Then Admin checks that delinquency range is: "RANGE_3" and has delinquentDate "2023-02-03"
+ Then Loan status will be "ACTIVE"
+ Then Loan has 1000 outstanding amount
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "1 March 2023" with 1000 EUR transaction amount and system-generated Idempotency key
+ Then Admin checks that delinquency range is: "NO_DELINQUENCY" and has delinquentDate ""
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding amount
+
+ @TestRailId:C2552
+ Scenario: Verify that delinquency event contains the correct delinquentDate in case of one repayment is overdue
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "1 January 2023"
+ And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
+ When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "5 March 2023"
+ When Admin runs inline COB job for Loan
+ Then Admin checks that delinquency range is: "RANGE_3" and has delinquentDate "2023-02-03"
+
+ @TestRailId:C2553
+ Scenario: Verify that delinquency event contains the correct delinquentDate in case of multiple repayments are overdue
+ When Admin sets the business date to "1 January 2023"
+ 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 | 1 January 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
+ And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
+ When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "5 April 2023"
+ When Admin runs inline COB job for Loan
+ Then Admin checks that delinquency range is: "RANGE_30" and has delinquentDate "2023-02-04"
+
+ @TestRailId:C2583
+ Scenario: Verify last payment related fields when retrieving loan details with 1 repayment
+ When Admin sets the business date to "01 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "01 January 2023"
+ And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
+ When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "03 January 2023"
+ And Customer makes "AUTOPAY" repayment on "03 January 2023" with 200 EUR transaction amount
+ Then Loan details has the following last payment related data:
+ | lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
+ | 200.0 | 03 January 2023 | 200.0 | 03 January 2023 |
+
+ @TestRailId:C2586
+ Scenario: Verify last payment related fields when retrieving loan details with 2 repayments on different day
+ When Admin sets the business date to "01 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "01 January 2023"
+ And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
+ When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "03 January 2023"
+ And Customer makes "AUTOPAY" repayment on "03 January 2023" with 200 EUR transaction amount
+ When Admin sets the business date to "05 January 2023"
+ And Customer makes "AUTOPAY" repayment on "05 January 2023" with 300 EUR transaction amount
+ Then Loan details has the following last payment related data:
+ | lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
+ | 300.0 | 05 January 2023 | 300.0 | 05 January 2023 |
+
+ @TestRailId:C2587
+ Scenario: Verify last payment related fields when retrieving loan details with 2 repayments on the same day
+ When Admin sets the business date to "01 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "01 January 2023"
+ And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
+ When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "03 January 2023"
+ And Customer makes "AUTOPAY" repayment on "03 January 2023" with 200 EUR transaction amount
+ And Customer makes "AUTOPAY" repayment on "03 January 2023" with 300 EUR transaction amount
+ Then Loan details has the following last payment related data:
+ | lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
+ | 300.0 | 03 January 2023 | 300.0 | 03 January 2023 |
+
+ @TestRailId:C2588
+ Scenario: Verify last payment related fields when retrieving loan details with 2 repayments on different day then the second repayment reversed
+ When Admin sets the business date to "01 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "01 January 2023"
+ And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
+ When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "03 January 2023"
+ And Customer makes "AUTOPAY" repayment on "03 January 2023" with 200 EUR transaction amount
+ When Admin sets the business date to "05 January 2023"
+ And Customer makes "AUTOPAY" repayment on "05 January 2023" with 300 EUR transaction amount
+ Then Loan details has the following last payment related data:
+ | lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
+ | 300.0 | 05 January 2023 | 300.0 | 05 January 2023 |
+ When Customer undo "1"th transaction made on "05 January 2023"
+ Then Loan details has the following last payment related data:
+ | lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
+ | 200.0 | 03 January 2023 | 200.0 | 03 January 2023 |
+
+ @TestRailId:C2589
+ Scenario: Verify last payment related fields when retrieving loan details with 1 repayment and 1 goodwill credit transaction
+ When Admin sets the business date to "01 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "01 January 2023"
+ And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
+ When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "03 January 2023"
+ And Customer makes "AUTOPAY" repayment on "03 January 2023" with 200 EUR transaction amount
+ When Admin sets the business date to "05 January 2023"
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "5 January 2023" with 400 EUR transaction amount and system-generated Idempotency key
+ Then Loan details has the following last payment related data:
+ | lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
+ | 400.0 | 05 January 2023 | 200.0 | 03 January 2023 |
+
+ @TestRailId:C2590
+ Scenario: Verify last payment related fields when retrieving loan details with 1 repayment, 1 goodwill credit transaction and 1 more repayment then the second repayment reversed
+ When Admin sets the business date to "01 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "01 January 2023"
+ And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
+ When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "03 January 2023"
+ And Customer makes "AUTOPAY" repayment on "03 January 2023" with 200 EUR transaction amount
+ When Admin sets the business date to "05 January 2023"
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "5 January 2023" with 400 EUR transaction amount and system-generated Idempotency key
+ When Admin sets the business date to "07 January 2023"
+ And Customer makes "AUTOPAY" repayment on "07 January 2023" with 300 EUR transaction amount
+ Then Loan details has the following last payment related data:
+ | lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
+ | 300.0 | 07 January 2023 | 300.0 | 07 January 2023 |
+ When Customer undo "1"th transaction made on "07 January 2023"
+ Then Loan details has the following last payment related data:
+ | lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
+ | 400.0 | 05 January 2023 | 200.0 | 03 January 2023 |
+
+ @TestRailId:C2678
+ Scenario: Verify that after loan is closed loan details and event has last repayment date and amount
+ When Admin sets the business date to "01 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "01 January 2023"
+ And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
+ Then Loan status has changed to "Approved"
+ When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
+ Then Loan status has changed to "Active"
+ When Admin sets the business date to "02 January 2023"
+ And Customer makes "AUTOPAY" repayment on "02 January 2023" with 1000 EUR transaction amount
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan details and event has the following last repayment related data:
+ | lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
+ | 1000.0 | 02 January 2023 | 1000.0 | 02 January 2023 |
+
+ @TestRailId:C2679
+ Scenario: Verify that after loan is overpaid loan details and event has last repayment date and amount
+ When Admin sets the business date to "01 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "01 January 2023"
+ And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
+ Then Loan status has changed to "Approved"
+ When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
+ Then Loan status has changed to "Active"
+ When Admin sets the business date to "02 January 2023"
+ And Customer makes "AUTOPAY" repayment on "02 January 2023" with 1100 EUR transaction amount
+ Then Loan status will be "OVERPAID"
+ Then Loan details and event has the following last repayment related data:
+ | lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
+ | 1100.0 | 02 January 2023 | 1100.0 | 02 January 2023 |
+
+ @TestRailId:C2687 @fraud
+ Scenario: Verify that closed loan can be marked as Fraud
+ When Admin sets the business date to "01 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "01 January 2023"
+ And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
+ When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "15 January 2023"
+ And Customer makes "AUTOPAY" repayment on "15 January 2023" with 1000 EUR transaction amount
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Admin can successfully set Fraud flag to the loan
+
+ @TestRailId:C2688 @fraud
+ Scenario: Verify that overpaid loan can be marked as Fraud
+ When Admin sets the business date to "01 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "01 January 2023"
+ And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
+ When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "15 January 2023"
+ And Customer makes "AUTOPAY" repayment on "15 January 2023" with 1100 EUR transaction amount
+ Then Loan status will be "OVERPAID"
+ Then Admin can successfully set Fraud flag to the loan
+
+ @TestRailId:C2690
+ Scenario: Verify that the repayment schedule is correct when the loan has a fee and multi disbursement happens
+ When Admin sets the business date to "1 May 2023"
+ When Admin creates a client with random data
+ And Admin successfully creates a new customised Loan submitted on date: "1 May 2023", with Principal: "1000", a loanTermFrequency: 1 months, and numberOfRepayments: 1
+ And Admin successfully approves the loan on "1 May 2023" with "1000" amount and expected disbursement date on "1 May 2023"
+ And Admin successfully disburse the loan on "1 May 2023" with "750" EUR transaction amount
+ Then Loan has 750 outstanding amount
+ When Admin adds "LOAN_SNOOZE_FEE" due date charge with "1 May 2023" due date and 8 EUR transaction amount
+ Then Loan Repayment schedule has 1 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 May 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 June 2023 | | 0.0 | 750.0 | 0.0 | 8.0 | 0.0 | 758.0 | 0.0 | 0.0 | 0.0 | 758.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 750 | 0 | 8 | 0 | 758 | 0 | 0 | 0 | 758 |
+ And Admin successfully disburse the loan on "1 May 2023" with "750" EUR transaction amount
+ Then Loan Repayment schedule has 1 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 May 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 01 May 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 June 2023 | | 0.0 | 1500.0 | 0.0 | 8.0 | 0.0 | 1508.0 | 0.0 | 0.0 | 0.0 | 1508.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500 | 0 | 8 | 0 | 1508 | 0 | 0 | 0 | 1508 |
+
+ @TestRailId:C2691
+ Scenario: As an admin I would like to do a chargeback for Goodwill Credit
+ When Admin sets the business date to "8 May 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP1 | 8 May 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
+ And Admin successfully approves the loan on "8 May 2023" with "1000" amount and expected disbursement date on "8 May 2023"
+ And Admin successfully disburse the loan on "8 May 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "9 May 2023"
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "9 May 2023" with 300 EUR transaction amount and system-generated Idempotency key
+ When Admin sets the business date to "10 May 2023"
+ And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 300 EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 08 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 08 June 2023 | | 667.0 | 633.0 | 0.0 | 0.0 | 0.0 | 633.0 | 300.0 | 300.0 | 0.0 | 333.0 |
+ | 2 | 30 | 08 July 2023 | | 334.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 |
+ | 3 | 31 | 08 August 2023 | | 0.0 | 334.0 | 0.0 | 0.0 | 0.0 | 334.0 | 0.0 | 0.0 | 0.0 | 334.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1300 | 0 | 0 | 0 | 1300 | 300 | 300 | 0 | 1000 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 08 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 09 May 2023 | Goodwill Credit | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 700.0 |
+ | 10 May 2023 | Chargeback | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+
+ @TestRailId:C2692
+ Scenario: As an admin I would like to do a chargeback for Payout Refund
+ When Admin sets the business date to "8 May 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP1 | 8 May 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
+ And Admin successfully approves the loan on "8 May 2023" with "1000" amount and expected disbursement date on "8 May 2023"
+ And Admin successfully disburse the loan on "8 May 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "9 May 2023"
+ When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "9 May 2023" with 300 EUR transaction amount and system-generated Idempotency key
+ When Admin sets the business date to "10 May 2023"
+ And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 300 EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 08 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 08 June 2023 | | 667.0 | 633.0 | 0.0 | 0.0 | 0.0 | 633.0 | 300.0 | 300.0 | 0.0 | 333.0 |
+ | 2 | 30 | 08 July 2023 | | 334.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 |
+ | 3 | 31 | 08 August 2023 | | 0.0 | 334.0 | 0.0 | 0.0 | 0.0 | 334.0 | 0.0 | 0.0 | 0.0 | 334.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1300 | 0 | 0 | 0 | 1300 | 300 | 300 | 0 | 1000 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 08 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 09 May 2023 | Payout Refund | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 700.0 |
+ | 10 May 2023 | Chargeback | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+
+ @TestRailId:C2693
+ Scenario: As an admin I would like to do a chargeback for Merchant Issued Refund
+ When Admin sets the business date to "8 May 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP1 | 8 May 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
+ And Admin successfully approves the loan on "8 May 2023" with "1000" amount and expected disbursement date on "8 May 2023"
+ And Admin successfully disburse the loan on "8 May 2023" with "1000" EUR transaction amount
+ When Admin sets the business date to "9 May 2023"
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "9 May 2023" with 300 EUR transaction amount and system-generated Idempotency key
+ When Admin sets the business date to "10 May 2023"
+ And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 300 EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 08 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 08 June 2023 | | 667.0 | 633.0 | 0.0 | 0.0 | 0.0 | 633.0 | 300.0 | 300.0 | 0.0 | 333.0 |
+ | 2 | 30 | 08 July 2023 | | 334.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 |
+ | 3 | 31 | 08 August 2023 | | 0.0 | 334.0 | 0.0 | 0.0 | 0.0 | 334.0 | 0.0 | 0.0 | 0.0 | 334.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1300 | 0 | 0 | 0 | 1300 | 300 | 300 | 0 | 1000 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 08 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 09 May 2023 | Merchant Issued Refund | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 700.0 |
+ | 10 May 2023 | Chargeback | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+
+ @TestRailId:C2770
+ Scenario: As an admin I would like to do two merchant issued refund and charge adjustment to close the loan
+ When Global config "charge-accrual-date" value set to "submitted-date"
+ When Admin sets the business date to "14 May 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP1 | 14 May 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | DUE_PENALTY_FEE_INTEREST_PRINCIPAL_IN_ADVANCE_PRINCIPAL_PENALTY_FEE_INTEREST |
+ And Admin successfully approves the loan on "14 May 2023" with "127.95" amount and expected disbursement date on "14 May 2023"
+ And Admin successfully disburse the loan on "14 May 2023" with "127.95" EUR transaction amount
+ When Admin sets the business date to "11 June 2023"
+ When Batch API call with steps: rescheduleLoan from "13 June 2023" to "13 July 2023" submitted on date: "11 June 2023", approveReschedule on date: "11 June 2023" runs with enclosingTransaction: "true"
+ When Admin adds "LOAN_SNOOZE_FEE" due date charge with "13 July 2023" due date and 3.65 EUR transaction amount
+ When Admin sets the business date to "12 June 2023"
+ When Admin runs inline COB job for Loan
+ Then Loan Repayment schedule has 1 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 14 May 2023 | | 127.95 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 60 | 13 July 2023 | | 0.0 | 127.95 | 0.0 | 3.65 | 0.0 | 131.6 | 0.0 | 0.0 | 0.0 | 131.6 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 127.95 | 0 | 3.65 | 0 | 131.60 | 0 | 0 | 0 | 131.60 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 14 May 2023 | Disbursement | 127.95 | 0.0 | 0.0 | 0.0 | 0.0 | 127.95 |
+ | 11 June 2023 | Accrual | 3.65 | 0.0 | 0.0 | 3.65 | 0.0 | 0.0 |
+ When Admin sets the business date to "17 June 2023"
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "17 June 2023" with 125 EUR transaction amount and system-generated Idempotency key
+ Then Loan Repayment schedule has 1 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 14 May 2023 | | 127.95 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 60 | 13 July 2023 | | 0.0 | 127.95 | 0.0 | 3.65 | 0.0 | 131.6 | 125.0 | 125.0 | 0.0 | 6.6 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 127.95 | 0 | 3.65 | 0 | 131.6 | 125.0 | 125.0 | 0 | 6.60 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 14 May 2023 | Disbursement | 127.95 | 0.0 | 0.0 | 0.0 | 0.0 | 127.95 |
+ | 11 June 2023 | Accrual | 3.65 | 0.0 | 0.0 | 3.65 | 0.0 | 0.0 |
+ | 17 June 2023 | Merchant Issued Refund | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 2.95 |
+ When Admin makes a charge adjustment for the last "LOAN_SNOOZE_FEE" type charge which is due on "13 July 2023" with 3.65 EUR transaction amount and externalId ""
+ Then Loan Repayment schedule has 1 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 14 May 2023 | | 127.95 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 60 | 13 July 2023 | | 0.0 | 127.95 | 0.0 | 3.65 | 0.0 | 131.6 | 128.65 | 128.65 | 0.0 | 2.95 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 127.95 | 0 | 3.65 | 0 | 131.6 | 128.65 | 128.65 | 0 | 2.95 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 14 May 2023 | Disbursement | 127.95 | 0.0 | 0.0 | 0.0 | 0.0 | 127.95 |
+ | 11 June 2023 | Accrual | 3.65 | 0.0 | 0.0 | 3.65 | 0.0 | 0.0 |
+ | 17 June 2023 | Merchant Issued Refund | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 2.95 |
+ | 17 June 2023 | Charge Adjustment | 3.65 | 2.95 | 0.0 | 0.7 | 0.0 | 0.0 |
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "17 June 2023" with 2.95 EUR transaction amount and system-generated Idempotency key
+ Then Loan Repayment schedule has 1 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 14 May 2023 | | 127.95 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 60 | 13 July 2023 | 17 June 2023 | 0.0 | 127.95 | 0.0 | 3.65 | 0.0 | 131.6 | 131.6 | 131.6 | 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 |
+ | 127.95 | 0 | 3.65 | 0 | 131.6 | 131.6 | 131.6 | 0 | 0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 14 May 2023 | Disbursement | 127.95 | 0.0 | 0.0 | 0.0 | 0.0 | 127.95 |
+ | 11 June 2023 | Accrual | 3.65 | 0.0 | 0.0 | 3.65 | 0.0 | 0.0 |
+ | 17 June 2023 | Merchant Issued Refund | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 2.95 |
+ | 17 June 2023 | Charge Adjustment | 3.65 | 2.95 | 0.0 | 0.7 | 0.0 | 0.0 |
+ | 17 June 2023 | Merchant Issued Refund | 2.95 | 0.0 | 0.0 | 2.95 | 0.0 | 0.0 |
+ When Global config "charge-accrual-date" value set to "due-date"
+
+ @TestRailId:C2776
+ Scenario: Verify that maturity date is updated on repayment reversal
+ When Admin sets the business date to "01 June 2023"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "01 June 2023"
+ And Admin successfully approves the loan on "01 June 2023" with "1000" amount and expected disbursement date on "01 June 2023"
+ When Admin successfully disburse the loan on "01 June 2023" with "1000" EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ Then Loan has the following maturity data:
+ | actualMaturityDate | expectedMaturityDate |
+ | 01 July 2023 | 01 July 2023 |
+ When Admin sets the business date to "20 June 2023"
+ And Customer makes "AUTOPAY" repayment on "20 June 2023" with 1000 EUR transaction amount
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has the following maturity data:
+ | actualMaturityDate | expectedMaturityDate |
+ | 20 June 2023 | 01 July 2023 |
+ When Admin sets the business date to "20 June 2023"
+ When Customer undo "1"th "Repayment" transaction made on "20 June 2023"
+ Then Loan status will be "ACTIVE"
+ Then Loan has the following maturity data:
+ | actualMaturityDate | expectedMaturityDate |
+ | 01 July 2023 | 01 July 2023 |
+
+ @TestRailId:C3202
+ Scenario: Verify that closed date is updated on repayment reversal
+ When Admin sets the business date to "01 June 2024"
+ When Admin creates a client with random data
+ When Admin creates a new default Loan with date: "01 June 2024"
+ And Admin successfully approves the loan on "01 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
+ When Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ When Admin sets the business date to "20 June 2024"
+ And Customer makes "AUTOPAY" repayment on "20 June 2024" with 1000 EUR transaction amount
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan closedon_date is "20 June 2024"
+ When Admin sets the business date to "21 June 2024"
+ When Customer undo "1"th "Repayment" transaction made on "20 June 2024"
+ Then Loan status will be "ACTIVE"
+ Then Loan closedon_date is "null"
+
+ @TestRailId:C2777
+ Scenario: As an admin I would like to delete a loan using external id
+ When Admin sets the business date to the actual date
+ And Admin creates a client with random data
+ When Admin creates a new Loan
+ Then Admin successfully deletes the loan with external id
+
+ @TestRailId:C2778
+ Scenario: As an admin I would like to verify that deleting loan using incorrect external id gives error
+ When Admin sets the business date to the actual date
+ And Admin creates a client with random data
+ When Admin creates a new Loan
+ Then Admin fails to delete the loan with incorrect external id
+
+ @TestRailId:C2784
+ Scenario: As a user I would like to do multiple repayment after reverse transactions and check the order of transactions
+ When Admin sets the business date to "01 November 2022"
+ 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 | 01 November 2022 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | DUE_PENALTY_FEE_INTEREST_PRINCIPAL_IN_ADVANCE_PRINCIPAL_PENALTY_FEE_INTEREST |
+ And Admin successfully approves the loan on "01 November 2022" with "1000" amount and expected disbursement date on "01 November 2022"
+ When Admin successfully disburse the loan on "01 November 2022" with "1000" EUR transaction amount
+ Then Loan has 1000 outstanding amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "2 November 2022" due date and 10 EUR transaction amount
+ When Admin sets the business date to "02 November 2022"
+ And Customer makes "AUTOPAY" repayment on "02 November 2022" with 9 EUR transaction amount
+ And Customer makes "AUTOPAY" repayment on "02 November 2022" with 8 EUR transaction amount
+ And Customer makes "AUTOPAY" repayment on "02 November 2022" with 7 EUR transaction amount
+ Then Loan Transactions tab has a transaction with date: "02 November 2022", and with the following data:
+ | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | Repayment | 9.0 | 0.0 | 0.0 | 0.0 | 9.0 | 1000.0 |
+ | Repayment | 8.0 | 7.0 | 0.0 | 0.0 | 1.0 | 993.0 |
+ | Repayment | 7.0 | 7.0 | 0.0 | 0.0 | 0.0 | 986.0 |
+ When Customer undo "1"th repayment on "02 November 2022"
+ Then Loan Transactions tab has a transaction with date: "02 November 2022", and with the following data:
+ | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | Repayment | 9.0 | 0.0 | 0.0 | 0.0 | 9.0 | 1000.0 |
+ | Repayment | 8.0 | 0.0 | 0.0 | 0.0 | 8.0 | 1000.0 |
+ | Repayment | 7.0 | 5.0 | 0.0 | 0.0 | 2.0 | 993.0 |
+ When Customer undo "2"th repayment on "02 November 2022"
+ Then Loan Transactions tab has a transaction with date: "02 November 2022", and with the following data:
+ | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | Repayment | 9.0 | 0.0 | 0.0 | 0.0 | 9.0 | 1000.0 |
+ | Repayment | 8.0 | 0.0 | 0.0 | 0.0 | 8.0 | 1000.0 |
+ | Repayment | 7.0 | 0.0 | 0.0 | 0.0 | 7.0 | 1000.0 |
+
+ @TestRailId:C2783
+ Scenario: As an admin I would like to verify that only one active repayment schedule exits for loan multiple disbursement
+ When Admin sets the business date to "07 July 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP1 | 07 July 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
+ And Admin successfully approves the loan on "07 July 2023" with "1000" amount and expected disbursement date on "07 July 2023"
+ And Admin successfully disburse the loan on "07 July 2023" with "370.55" EUR transaction amount
+ When Admin sets the business date to "12 July 2023"
+ When Admin adds "LOAN_SNOOZE_FEE" due date charge with "11 July 2023" due date and 5.15 EUR transaction amount
+ When Admin runs inline COB job for Loan
+ Then Loan Repayment schedule has 1 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 07 July 2023 | | 370.55 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 06 August 2023 | | 0.0 | 370.55 | 0.0 | 5.15 | 0.0 | 375.7 | 0.0 | 0.0 | 0.0 | 375.7 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 370.55 | 0 | 5.15 | 0 | 375.70 | 0 | 0 | 0 | 375.70 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 07 July 2023 | Disbursement | 370.55 | 0.0 | 0.0 | 0.0 | 0.0 | 370.55 |
+ | 11 July 2023 | Accrual | 5.15 | 0.0 | 0.0 | 5.15 | 0.0 | 0.0 |
+ When Admin sets the business date to "21 July 2023"
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "21 July 2023" with 167.4 EUR transaction amount and system-generated Idempotency key
+ Then Loan Repayment schedule has 1 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 07 July 2023 | | 370.55 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 06 August 2023 | | 0.0 | 370.55 | 0.0 | 5.15 | 0.0 | 375.7 | 167.4 | 167.4 | 0.0 | 208.3 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 370.55 | 0 | 5.15 | 0 | 375.7 | 167.4 | 167.4 | 0 | 208.3 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 07 July 2023 | Disbursement | 370.55 | 0.0 | 0.0 | 0.0 | 0.0 | 370.55 |
+ | 11 July 2023 | Accrual | 5.15 | 0.0 | 0.0 | 5.15 | 0.0 | 0.0 |
+ | 21 July 2023 | Merchant Issued Refund | 167.4 | 162.25 | 0.0 | 5.15 | 0.0 | 208.3 |
+ When Admin runs inline COB job for Loan
+ When Admin sets the business date to "24 July 2023"
+ And Admin successfully disburse the loan on "24 July 2023" with "18" EUR transaction amount
+ Then Loan Repayment schedule has 1 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 07 July 2023 | | 370.55 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 24 July 2023 | | 18.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 06 August 2023 | | 0.0 | 388.55 | 0.0 | 5.15 | 0.0 | 393.7 | 167.4 | 167.4 | 0.0 | 226.3 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 388.55 | 0 | 5.15 | 0 | 393.7 | 167.4 | 167.4 | 0 | 226.3 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 07 July 2023 | Disbursement | 370.55 | 0.0 | 0.0 | 0.0 | 0.0 | 370.55 |
+ | 11 July 2023 | Accrual | 5.15 | 0.0 | 0.0 | 5.15 | 0.0 | 0.0 |
+ | 21 July 2023 | Merchant Issued Refund | 167.4 | 162.25 | 0.0 | 5.15 | 0.0 | 208.3 |
+ | 24 July 2023 | Disbursement | 18.0 | 0.0 | 0.0 | 0.0 | 0.0 | 226.3 |
+
+ @TestRailId:C2842 @AdvancedPaymentAllocation
+ Scenario: As an admin I would like to verify that simple payments are working with advanced payment allocation (UC1)
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+ When Admin sets the business date to "01 January 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 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 2023" with "500" amount and expected disbursement date on "01 January 2023"
+ Then Loan status has changed to "Approved"
+ And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
+ Then Loan status has changed to "Active"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 125.0 | 0 | 0 | 375.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ When Admin sets the business date to "16 January 2023"
+ And Customer makes "AUTOPAY" repayment on "16 January 2023" 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 250.0 | 0 | 0 | 250.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ When Admin sets the business date to "31 January 2023"
+ And Customer makes "AUTOPAY" repayment on "31 January 2023" 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 375.0 | 0 | 0 | 125.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 31 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ When Admin sets the business date to "15 February 2023"
+ And Customer makes "AUTOPAY" repayment on "15 February 2023" 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | 15 February 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 0 | 0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 31 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 15 February 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ Then Loan status has changed to "Closed (obligations met)"
+
+ @TestRailId:C2843 @AdvancedPaymentAllocation
+ Scenario: As an admin I would like to verify that simple payments and overpayment of the installment (goes to next installment) are working with advanced payment allocation (UC2)
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+ When Admin sets the business date to "01 January 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 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 2023" with "500" amount and expected disbursement date on "01 January 2023"
+ Then Loan status has changed to "Approved"
+ And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
+ Then Loan status has changed to "Active"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 125.0 | 0 | 0 | 375.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ When Admin sets the business date to "16 January 2023"
+ And Customer makes "AUTOPAY" repayment on "16 January 2023" with 150 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 25.0 | 25.0 | 0.0 | 100.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 275.0 | 25.0 | 0 | 225.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 16 January 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 225.0 |
+ When Admin sets the business date to "31 January 2023"
+ And Customer makes "AUTOPAY" repayment on "31 January 2023" 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 25.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 25.0 | 25.0 | 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 |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 400.0 | 50.0 | 0 | 100.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 16 January 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 225.0 |
+ | 31 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ When Admin sets the business date to "15 February 2023"
+ And Customer makes "AUTOPAY" repayment on "15 February 2023" with 100 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 25.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | 15 February 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 25.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 50.0 | 0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 16 January 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 225.0 |
+ | 31 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 15 February 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ Then Loan status has changed to "Closed (obligations met)"
+
+ @TestRailId:C2844 @AdvancedPaymentAllocation
+ Scenario: As an admin I would like to verify that simple payments and overpayment of the installment (goes to last installment) are working with advanced payment allocation (UC3)
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+ When Admin sets the business date to "01 January 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 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 2023" with "500" amount and expected disbursement date on "01 January 2023"
+ Then Loan status has changed to "Approved"
+ And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
+ Then Loan status has changed to "Active"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 125.0 | 0 | 0 | 375.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ When Admin sets the business date to "16 January 2023"
+ And Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "16 January 2023" with 150 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 25.0 | 25.0 | 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 |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 275.0 | 25.0 | 0 | 225.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 16 January 2023 | Goodwill Credit | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 225.0 |
+ When Admin sets the business date to "31 January 2023"
+ And Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "31 January 2023" with 125 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 25.0 | 25.0 | 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 |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 400.0 | 25.0 | 0 | 100.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 16 January 2023 | Goodwill Credit | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 225.0 |
+ | 31 January 2023 | Goodwill Credit | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ When Admin sets the business date to "15 February 2023"
+ And Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "15 February 2023" with 100 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | 15 February 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 25.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 25.0 | 0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 16 January 2023 | Goodwill Credit | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 225.0 |
+ | 31 January 2023 | Goodwill Credit | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 15 February 2023 | Goodwill Credit | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ Then Loan status has changed to "Closed (obligations met)"
+
+ @TestRailId:C2845 @AdvancedPaymentAllocation
+ Scenario: As an admin I would like to verify that simple payments are working after some of them failed with advanced payment allocation (UC4)
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+ When Admin sets the business date to "01 January 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 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 2023" with "500" amount and expected disbursement date on "01 January 2023"
+ Then Loan status has changed to "Approved"
+ And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
+ Then Loan status has changed to "Active"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 125.0 | 0 | 0 | 375.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ When Customer undo "2"th transaction made on "01 January 2023"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 0.0 | 0 | 0 | 500.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ When Admin sets the business date to "16 January 2023"
+ And Customer makes "AUTOPAY" repayment on "16 January 2023" 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 16 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 125.0 | 0 | 125.0 | 375.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false |
+ When Customer undo "1"th transaction made on "16 January 2023"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 0.0 | 0 | 0 | 500.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ When Admin sets the business date to "20 January 2023"
+ And Customer makes "AUTOPAY" repayment on "20 January 2023" with 100 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 100.0 | 0.0 | 100.0 | 25.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 100.0 | 0 | 100.0 | 400.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 20 January 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 400.0 | false |
+ When Admin sets the business date to "31 January 2023"
+ And Customer makes "AUTOPAY" repayment on "31 January 2023" with 40 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 31 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 15.0 | 0.0 | 15.0 | 110.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 140.0 | 0 | 140.0 | 360.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 20 January 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 400.0 | false |
+ | 31 January 2023 | Repayment | 40.0 | 40.0 | 0.0 | 0.0 | 0.0 | 360.0 | false |
+ When Admin sets the business date to "15 February 2023"
+ And Customer makes "AUTOPAY" repayment on "15 February 2023" with 360 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 31 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 15 February 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 15 February 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | 15 February 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 0 | 375.0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 20 January 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 400.0 | false |
+ | 31 January 2023 | Repayment | 40.0 | 40.0 | 0.0 | 0.0 | 0.0 | 360.0 | false |
+ | 15 February 2023 | Repayment | 360.0 | 360.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
+ Then Loan status has changed to "Closed (obligations met)"
+
+ @TestRailId:C2846 @AdvancedPaymentAllocation
+ Scenario: As an admin I would like to verify that Merchant issued refund with reamortization works with advanced payment allocation (UC05)
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+ When Admin sets the business date to "01 January 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 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 2023" with "500" amount and expected disbursement date on "01 January 2023"
+ Then Loan status has changed to "Approved"
+ And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
+ Then Loan status has changed to "Active"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 125.0 | 0 | 0 | 375.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ When Customer undo "2"th transaction made on "01 January 2023"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 0.0 | 0 | 0 | 500.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ When Admin sets the business date to "08 January 2023"
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "08 January 2023" with 300 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 08 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 58.33 | 58.33 | 0.0 | 66.67 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 58.33 | 58.33 | 0.0 | 66.67 |
+ | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 58.34 | 58.34 | 0.0 | 66.66 |
+ 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 | 500.0 | 300.0 | 175.0 | 125.0 | 200.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 08 January 2023 | Merchant Issued Refund | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 200.0 | false |
+ When Admin sets the business date to "16 January 2023"
+ And Customer makes "AUTOPAY" repayment on "16 January 2023" with 201 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 08 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 58.33 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 16 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | 16 January 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 308.33 | 125.0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Overpayment |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | 0.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true | 0.0 |
+ | 08 January 2023 | Merchant Issued Refund | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | 0.0 |
+ | 16 January 2023 | Repayment | 201.0 | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | 1.0 |
+ Then Loan status has changed to "Overpaid"
+
+ @TestRailId:C2847 @AdvancedPaymentAllocation
+ Scenario: As an admin I would like to verify that Merchant issued refund with reamortization on due date works with advanced payment allocation (UC07)
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+ When Admin sets the business date to "01 January 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 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 2023" with "500" amount and expected disbursement date on "01 January 2023"
+ Then Loan status has changed to "Approved"
+ And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
+ Then Loan status has changed to "Active"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 125.0 | 0 | 0 | 375.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ When Admin sets the business date to "16 January 2023"
+ And Customer makes "AUTOPAY" repayment on "16 January 2023" 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 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 |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ When Admin sets the business date to "16 January 2023"
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "16 January 2023" with 200 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 100.0 | 100.0 | 0.0 | 25.0 |
+ | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 100.0 | 100.0 | 0.0 | 25.0 |
+ 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 | 500.0 | 450.0 | 200.0 | 0.0 | 50.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 16 January 2023 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 50.0 |
+ When Admin sets the business date to "31 January 2023"
+ And Customer makes "AUTOPAY" repayment on "31 January 2023" with 25 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 100.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 100.0 | 100.0 | 0.0 | 25.0 |
+ 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 | 500.0 | 475.0 | 200.0 | 0.0 | 25.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 16 January 2023 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 50.0 |
+ | 31 January 2023 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
+ When Admin sets the business date to "15 February 2023"
+ And Customer makes "AUTOPAY" repayment on "15 February 2023" with 25 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 100.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | 15 February 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 100.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 200.0 | 0.0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 16 January 2023 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 50.0 |
+ | 31 January 2023 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
+ | 15 February 2023 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ Then Loan status has changed to "Closed (obligations met)"
+
+ @TestRailId:C2848 @AdvancedPaymentAllocation
+ Scenario: As an admin I would like to verify that Merchant issued refund with reamortization past due date works with advanced payment allocation (UC08)
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+ When Admin sets the business date to "01 January 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 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 2023" with "500" amount and expected disbursement date on "01 January 2023"
+ Then Loan status has changed to "Approved"
+ And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
+ Then Loan status has changed to "Active"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 125.0 | 0 | 0 | 375.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ When Customer undo "2"th transaction made on "01 January 2023"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 0.0 | 0 | 0 | 500.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ When Admin sets the business date to "16 January 2023"
+ And Customer makes "AUTOPAY" repayment on "16 January 2023" 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 16 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 125.0 | 0 | 125.0 | 375.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false |
+ When Customer undo "1"th transaction made on "16 January 2023"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 0.0 | 0 | 0 | 500.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ When Admin sets the business date to "17 January 2023"
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "17 January 2023" with 300 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 17 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 17 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 25.0 | 25.0 | 0.0 | 100.0 |
+ | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 25.0 | 25.0 | 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 |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 300.0 | 50.0 | 250.0 | 200.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 17 January 2023 | Merchant Issued Refund | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 200.0 | false |
+ When Admin sets the business date to "31 January 2023"
+ And Customer makes "AUTOPAY" repayment on "31 January 2023" with 100 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 17 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 17 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 25.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 25.0 | 25.0 | 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 |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 400.0 | 50.0 | 250.0 | 100.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 17 January 2023 | Merchant Issued Refund | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 200.0 | false |
+ | 31 January 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
+ When Admin sets the business date to "15 February 2023"
+ And Customer makes "AUTOPAY" repayment on "15 February 2023" with 100 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 17 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 17 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 25.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | 15 February 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 25.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 50.0 | 250.0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 17 January 2023 | Merchant Issued Refund | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 200.0 | false |
+ | 31 January 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
+ | 15 February 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
+ Then Loan status has changed to "Closed (obligations met)"
+
+ @TestRailId:C2849 @AdvancedPaymentAllocation
+ Scenario: As an admin I would like to verify that full refund with CBR (UC17)
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+ When Admin sets the business date to "01 January 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 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 2023" with "500" amount and expected disbursement date on "01 January 2023"
+ Then Loan status has changed to "Approved"
+ And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
+ Then Loan status has changed to "Active"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 125.0 | 0 | 0 | 375.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ When Admin sets the business date to "08 January 2023"
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "08 January 2023" with 500 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 08 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 08 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | 08 January 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 375.0 | 0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 |
+ | 08 January 2023 | Merchant Issued Refund | 500.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ Then Loan status has changed to "Overpaid"
+ When Admin sets the business date to "09 January 2023"
+ When Admin makes Credit Balance Refund transaction on "09 January 2023" 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 08 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 08 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | 08 January 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 375.0 | 0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 08 January 2023 | Merchant Issued Refund | 500.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 09 January 2023 | Credit Balance Refund | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ Then Loan status has changed to "Closed (obligations met)"
+
+ @TestRailId:C2850 @AdvancedPaymentAllocation
+ Scenario: As an admin I would like to verify that reverse-replay works with advanced payment allocation(UC24)
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+ When Admin sets the business date to "01 January 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 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 2023" with "500" amount and expected disbursement date on "01 January 2023"
+ Then Loan status has changed to "Approved"
+ And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
+ Then Loan status has changed to "Active"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 125.0 | 0 | 0 | 375.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ When Customer undo "2"th transaction made on "01 January 2023"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 0.0 | 0 | 0 | 500.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ When Admin sets the business date to "02 January 2023"
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "02 January 2023" with 400 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 02 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 91.67 | 91.67 | 0.0 | 33.33 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 91.67 | 91.67 | 0.0 | 33.33 |
+ | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 91.66 | 91.66 | 0.0 | 33.34 |
+ 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 | 500.0 | 400.0 | 275.0 | 125.0 | 100.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ When Admin sets the business date to "04 January 2023"
+ And Customer makes "AUTOPAY" repayment on "04 January 2023" 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 02 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 04 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 108.34 | 108.34 | 0.0 | 16.66 |
+ | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 91.66 | 91.66 | 0.0 | 33.34 |
+ 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 | 500.0 | 450.0 | 325.0 | 125.0 | 50.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 04 January 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 |
+ When Admin sets the business date to "16 January 2023"
+ And Customer makes "AUTOPAY" repayment on "16 January 2023" 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 02 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 04 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 16 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | 16 January 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 375.0 | 125.0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | true |
+ | 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | false |
+ | 04 January 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 0.0 | false |
+ | 16 January 2023 | Repayment | 125.0 | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 75.0 | false |
+ Then Loan status has changed to "Overpaid"
+ When Admin sets the business date to "18 January 2023"
+ When Admin makes Credit Balance Refund transaction on "18 January 2023" with 75 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 02 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 04 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 16 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | 16 January 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 375.0 | 125.0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | true |
+ | 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | false |
+ | 04 January 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 0.0 | false |
+ | 16 January 2023 | Repayment | 125.0 | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 75.0 | false |
+ | 18 January 2023 | Credit Balance Refund | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 75.0 | false |
+ Then Loan status has changed to "Closed (obligations met)"
+ When Admin sets the business date to "20 January 2023"
+ When Customer undo "1"th transaction made on "02 January 2023"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 16 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 50.0 | 0.0 | 0.0 | 75.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
+ | 4 | 15 | 15 February 2023 | | 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 |
+ | 575.0 | 0 | 0.0 | 0 | 575.0 | 175.0 | 0.0 | 125.0 | 400.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | true |
+ | 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | true |
+ | 04 January 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 450.0 | 0.0 | false |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 325.0 | 0.0 | false |
+ | 18 January 2023 | Credit Balance Refund | 75.0 | 75.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | false |
+ Then Loan status has changed to "Active"
+ When Admin sets the business date to "31 January 2023"
+ And Customer makes "AUTOPAY" repayment on "31 January 2023" with 275 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 16 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 31 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 75.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | | 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 |
+ | 575.0 | 0 | 0.0 | 0 | 575.0 | 450.0 | 0.0 | 200.0 | 125.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | true |
+ | 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | true |
+ | 04 January 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 450.0 | 0.0 | false |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 325.0 | 0.0 | false |
+ | 18 January 2023 | Credit Balance Refund | 75.0 | 75.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | false |
+ | 31 January 2023 | Repayment | 275.0 | 275.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | false |
+ When Admin sets the business date to "15 February 2023"
+ And Customer makes "AUTOPAY" repayment on "15 February 2023" 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 16 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 31 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 75.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | 15 February 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 575.0 | 0 | 0.0 | 0 | 575.0 | 575.0 | 0.0 | 200.0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | true |
+ | 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | true |
+ | 04 January 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 450.0 | 0.0 | false |
+ | 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 325.0 | 0.0 | false |
+ | 18 January 2023 | Credit Balance Refund | 75.0 | 75.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | false |
+ | 31 January 2023 | Repayment | 275.0 | 275.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | false |
+ | 15 February 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
+ Then Loan status has changed to "Closed (obligations met)"
+
+ @TestRailId:C2851 @AdvancedPaymentAllocation
+ Scenario: As an admin I would like to verify that reamortization works with uneven balances with advanced payment allocation(UC25)
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+ When Admin sets the business date to "01 January 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 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 2023" with "500" amount and expected disbursement date on "01 January 2023"
+ Then Loan status has changed to "Approved"
+ And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
+ Then Loan status has changed to "Active"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 125.0 | 0 | 0 | 375.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ When Customer undo "2"th transaction made on "01 January 2023"
+ 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 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 | 500.0 | 0.0 | 0 | 0 | 500.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ When Admin sets the business date to "02 January 2023"
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "02 January 2023" with 400 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 02 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 91.67 | 91.67 | 0.0 | 33.33 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 91.67 | 91.67 | 0.0 | 33.33 |
+ | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 91.66 | 91.66 | 0.0 | 33.34 |
+ 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 | 500.0 | 400.0 | 275.0 | 125.0 | 100.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
+ When Admin sets the business date to "04 January 2023"
+ And Customer makes "AUTOPAY" repayment on "04 January 2023" 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 02 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 04 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 108.34 | 108.34 | 0.0 | 16.66 |
+ | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 91.66 | 91.66 | 0.0 | 33.34 |
+ 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 | 500.0 | 450.0 | 325.0 | 125.0 | 50.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
+ | 04 January 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | false |
+ When Admin sets the business date to "06 January 2023"
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "06 January 2023" with 40 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 02 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 04 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 06 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 115.0 | 115.0 | 0.0 | 10.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 500.0 | 0 | 0.0 | 0 | 500.0 | 490.0 | 365.0 | 125.0 | 10.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
+ | 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
+ | 04 January 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | false |
+ | 06 January 2023 | Merchant Issued Refund | 40.0 | 40.0 | 0.0 | 0.0 | 0.0 | 10.0 | false |
+
+ @TestRailId:C2860 @AdvancedPaymentAllocation
+ Scenario: Verify advanced payment allocation - future installments: NEXT_INSTALLMENT
+ When Admin sets the business date to "01 September 2023"
+ And 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 September 2023 | 400 | 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 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
+ And Admin successfully disburse the loan on "01 September 2023" with "400" 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 400.0 | 0 | 0.0 | 0 | 400.0 | 100.0 | 0.0 | 0.0 | 300.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 150 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 50.0 | 0.0 | 50.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 400.0 | 0 | 0.0 | 0 | 400.0 | 250.0 | 50.0 | 0.0 | 150.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 16 September 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+
+ @TestRailId:C2861 @AdvancedPaymentAllocation
+ Scenario: Verify advanced payment allocation - future installments: LAST_INSTALLMENT, payment on due date
+ When Admin sets the business date to "01 September 2023"
+ And Admin creates a client with random data
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 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 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
+ And Admin successfully disburse the loan on "01 September 2023" with "400" 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 400.0 | 0 | 0.0 | 0 | 400.0 | 100.0 | 0.0 | 0.0 | 300.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 150 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 50.0 | 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 |
+ | 400.0 | 0 | 0.0 | 0 | 400.0 | 250.0 | 50.0 | 0.0 | 150.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 16 September 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+
+ @TestRailId:C2862 @AdvancedPaymentAllocation
+ Scenario: Verify advanced payment allocation - future installments: LAST_INSTALLMENT, payment before due date
+ When Admin sets the business date to "01 September 2023"
+ And Admin creates a client with random data
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 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 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
+ And Admin successfully disburse the loan on "01 September 2023" with "400" 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 400.0 | 0 | 0.0 | 0 | 400.0 | 100.0 | 0.0 | 0.0 | 300.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ When Admin sets the business date to "10 September 2023"
+ And Customer makes "AUTOPAY" repayment on "10 September 2023" with 150 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 50.0 | 0.0 | 50.0 |
+ | 4 | 15 | 16 October 2023 | 10 September 2023 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 100.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 400.0 | 0 | 0.0 | 0 | 400.0 | 250.0 | 150.0 | 0.0 | 150.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 10 September 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+
+ @TestRailId:C2863 @AdvancedPaymentAllocation
+ Scenario: Verify advanced payment allocation - future installments: REAMORTIZATION, payment on due date
+ When Admin sets the business date to "01 September 2023"
+ And Admin creates a client with random data
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "REAMORTIZATION" 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 September 2023 | 400 | 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 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
+ And Admin successfully disburse the loan on "01 September 2023" with "400" 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 400.0 | 0 | 0.0 | 0 | 400.0 | 100.0 | 0.0 | 0.0 | 300.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 150 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 25.0 | 25.0 | 0.0 | 75.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 25.0 | 25.0 | 0.0 | 75.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 400.0 | 0 | 0.0 | 0 | 400.0 | 250.0 | 50.0 | 0.0 | 150.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 16 September 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+
+ @TestRailId:C2864 @AdvancedPaymentAllocation
+ Scenario: Verify advanced payment allocation - future installments: REAMORTIZATION, payment before due date
+ When Admin sets the business date to "01 September 2023"
+ And Admin creates a client with random data
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "REAMORTIZATION" 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 September 2023 | 400 | 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 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
+ And Admin successfully disburse the loan on "01 September 2023" with "400" 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 400.0 | 0 | 0.0 | 0 | 400.0 | 100.0 | 0.0 | 0.0 | 300.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ When Admin sets the business date to "10 September 2023"
+ And Customer makes "AUTOPAY" repayment on "10 September 2023" with 150 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 50.0 | 0.0 | 50.0 |
+ | 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 50.0 | 0.0 | 50.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 50.0 | 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 |
+ | 400.0 | 0 | 0.0 | 0 | 400.0 | 250.0 | 150.0 | 0.0 | 150.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 10 September 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+
+ @TestRailId:C2865 @AdvancedPaymentAllocation
+ Scenario: Verify advanced payment allocation - future installments: REAMORTIZATION, partial payment due date, payment before next due date
+ When Admin sets the business date to "01 September 2023"
+ And Admin creates a client with random data
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "REAMORTIZATION" 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 September 2023 | 400 | 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 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
+ And Admin successfully disburse the loan on "01 September 2023" with "400" 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 400.0 | 0 | 0.0 | 0 | 400.0 | 100.0 | 0.0 | 0.0 | 300.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 80 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 80.0 | 0.0 | 0.0 | 20.0 |
+ | 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 400.0 | 0 | 0.0 | 0 | 400.0 | 180.0 | 0.0 | 0.0 | 220.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 16 September 2023 | Repayment | 80.0 | 80.0 | 0.0 | 0.0 | 0.0 | 220.0 |
+ When Admin sets the business date to "20 September 2023"
+ And Customer makes "AUTOPAY" repayment on "20 September 2023" with 180 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 20 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 20.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 80.0 | 80.0 | 0.0 | 20.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 80.0 | 80.0 | 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 |
+ | 400.0 | 0 | 0.0 | 0 | 400.0 | 360.0 | 160.0 | 20.0 | 40.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 16 September 2023 | Repayment | 80.0 | 80.0 | 0.0 | 0.0 | 0.0 | 220.0 |
+ | 20 September 2023 | Repayment | 180.0 | 180.0 | 0.0 | 0.0 | 0.0 | 40.0 |
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+
+ @TestRailId:C2897 @AdvancedPaymentAllocation
+ Scenario: Verify advanced payment allocation - future installments: LAST_INSTALLMENT, payment after due date
+ When Admin sets the business date to "01 September 2023"
+ And Admin creates a client with random data
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 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 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
+ And Admin successfully disburse the loan on "01 September 2023" with "400" 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 400.0 | 0 | 0.0 | 0 | 400.0 | 100.0 | 0.0 | 0.0 | 300.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ When Admin sets the business date to "20 September 2023"
+ And Customer makes "AUTOPAY" repayment on "20 September 2023" with 150 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 20 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 100.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 50.0 | 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 |
+ | 400.0 | 0 | 0.0 | 0 | 400.0 | 250.0 | 50.0 | 100.0 | 150.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 20 September 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+
+ @TestRailId:C2922
+ @ProgressiveLoanSchedule
+ @AdvancedPaymentAllocation
+ Scenario: Verify advanced payment allocation with progressive loan schedule with multi disbursement and with overpaid installment
+ When Admin sets the business date to "01 May 2023"
+ And Admin creates a client with random data
+ When Admin set "LP2_DOWNPAYMENT_ADV_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_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 May 2023 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 60 | DAYS | 15 | DAYS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 May 2023" with "1000" amount and expected disbursement date on "01 May 2023"
+ And Admin successfully disburse the loan on "01 May 2023" with "1000" 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 May 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 May 2023 | | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
+ | 3 | 15 | 31 May 2023 | | 375.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
+ | 4 | 15 | 15 June 2023 | | 187.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
+ | 5 | 15 | 30 June 2023 | | 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 | 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 |
+ | 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ When Admin sets the business date to "06 May 2023"
+ And Customer makes "AUTOPAY" repayment on "06 May 2023" with 650 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 May 2023 | 06 May 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
+ | 2 | 15 | 16 May 2023 | 06 May 2023 | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
+ | 3 | 15 | 31 May 2023 | 06 May 2023 | 375.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
+ | 4 | 15 | 15 June 2023 | | 187.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 25.0 | 25.0 | 0.0 | 162.5 |
+ | 5 | 15 | 30 June 2023 | | 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 | 1000.0 | 650.0 | 400.0 | 250.0 | 350.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 06 May 2023 | Repayment | 650.0 | 650.0 | 0.0 | 0.0 | 0.0 | 350.0 |
+ When Admin sets the business date to "25 May 2023"
+ And Admin successfully disburse the loan on "25 May 2023" with "250" 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 May 2023 | 06 May 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
+ | 2 | 15 | 16 May 2023 | 06 May 2023 | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
+ | | | 25 May 2023 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 25 May 2023 | | 750.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
+ | 4 | 15 | 31 May 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 187.5 | 187.5 | 0.0 | 62.5 |
+ | 5 | 15 | 15 June 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 25.0 | 25.0 | 0.0 | 225.0 |
+ | 6 | 15 | 30 June 2023 | | 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 | 1250.0 | 650.0 | 400.0 | 250.0 | 600.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 06 May 2023 | Repayment | 650.0 | 650.0 | 0.0 | 0.0 | 0.0 | 350.0 |
+ | 25 May 2023 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 600.0 |
+ When Admin sets the business date to "12 June 2023"
+ And Admin successfully disburse the loan on "12 June 2023" with "250" 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 May 2023 | 06 May 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
+ | 2 | 15 | 16 May 2023 | 06 May 2023 | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
+ | | | 25 May 2023 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 25 May 2023 | | 750.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
+ | 4 | 15 | 31 May 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 187.5 | 187.5 | 0.0 | 62.5 |
+ | | | 12 June 2023 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 5 | 0 | 12 June 2023 | | 687.5 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
+ | 6 | 15 | 15 June 2023 | | 343.75 | 343.75 | 0.0 | 0.0 | 0.0 | 343.75 | 25.0 | 25.0 | 0.0 | 318.75 |
+ | 7 | 15 | 30 June 2023 | | 0.0 | 343.75 | 0.0 | 0.0 | 0.0 | 343.75 | 0.0 | 0.0 | 0.0 | 343.75 |
+ 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 | 1500.0 | 650.0 | 400.0 | 250.0 | 850.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 06 May 2023 | Repayment | 650.0 | 650.0 | 0.0 | 0.0 | 0.0 | 350.0 |
+ | 25 May 2023 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 600.0 |
+ | 12 June 2023 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 850.0 |
+ When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+
+ @TestRailId:C2937
+ @ProgressiveLoanSchedule
+ @AdvancedPaymentAllocation
+ Scenario: Verify advanced payment allocation with progressive loan schedule with multi disbursement and reschedule
+ When Admin sets the business date to "01 May 2023"
+ And Admin creates a client with random data
+ When Admin set "LP2_DOWNPAYMENT_ADV_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_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 May 2023 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 60 | DAYS | 15 | DAYS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 May 2023" with "1000" amount and expected disbursement date on "01 May 2023"
+ And Admin successfully disburse the loan on "01 May 2023" with "1000" 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 May 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 May 2023 | | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
+ | 3 | 15 | 31 May 2023 | | 375.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
+ | 4 | 15 | 15 June 2023 | | 187.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
+ | 5 | 15 | 30 June 2023 | | 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 | 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 |
+ | 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ When Admin sets the business date to "06 May 2023"
+ And Customer makes "AUTOPAY" repayment on "06 May 2023" with 650 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 May 2023 | 06 May 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
+ | 2 | 15 | 16 May 2023 | 06 May 2023 | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
+ | 3 | 15 | 31 May 2023 | 06 May 2023 | 375.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
+ | 4 | 15 | 15 June 2023 | | 187.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 25.0 | 25.0 | 0.0 | 162.5 |
+ | 5 | 15 | 30 June 2023 | | 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 | 1000.0 | 650.0 | 400.0 | 250.0 | 350.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 06 May 2023 | Repayment | 650.0 | 650.0 | 0.0 | 0.0 | 0.0 | 350.0 |
+ When Admin sets the business date to "25 May 2023"
+ When Batch API call with steps: rescheduleLoan from "15 June 2023" to "13 July 2023" submitted on date: "25 May 2023", approveReschedule on date: "25 May 2023" runs with enclosingTransaction: "true"
+ And Admin successfully disburse the loan on "25 May 2023" with "250" 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 May 2023 | 06 May 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
+ | 2 | 15 | 16 May 2023 | 06 May 2023 | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
+ | | | 25 May 2023 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 25 May 2023 | | 750.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
+ | 4 | 15 | 31 May 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 187.5 | 187.5 | 0.0 | 62.5 |
+ | 5 | 43 | 13 July 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 25.0 | 25.0 | 0.0 | 225.0 |
+ | 6 | 15 | 28 July 2023 | | 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 | 1250.0 | 650.0 | 400.0 | 250.0 | 600.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 06 May 2023 | Repayment | 650.0 | 650.0 | 0.0 | 0.0 | 0.0 | 350.0 |
+ | 25 May 2023 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 600.0 |
+ When Admin sets the business date to "15 July 2023"
+ And Admin successfully disburse the loan on "15 July 2023" with "250" 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 May 2023 | 06 May 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
+ | 2 | 15 | 16 May 2023 | 06 May 2023 | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
+ | | | 25 May 2023 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 25 May 2023 | | 750.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
+ | 4 | 15 | 31 May 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 187.5 | 187.5 | 0.0 | 62.5 |
+ | 5 | 43 | 13 July 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 25.0 | 25.0 | 0.0 | 225.0 |
+ | | | 15 July 2023 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 6 | 0 | 15 July 2023 | | 437.5 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
+ | 7 | 15 | 28 July 2023 | | 0.0 | 437.5 | 0.0 | 0.0 | 0.0 | 437.5 | 0.0 | 0.0 | 0.0 | 437.5 |
+ 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 | 1500.0 | 650.0 | 400.0 | 250.0 | 850.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 06 May 2023 | Repayment | 650.0 | 650.0 | 0.0 | 0.0 | 0.0 | 350.0 |
+ | 25 May 2023 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 600.0 |
+ | 15 July 2023 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 850.0 |
+ When Batch API call with steps: rescheduleLoan from "13 July 2023" to "13 August 2023" submitted on date: "15 July 2023", approveReschedule on date: "15 July 2023" runs with enclosingTransaction: "true"
+ 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 May 2023 | 06 May 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
+ | 2 | 15 | 16 May 2023 | 06 May 2023 | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
+ | | | 25 May 2023 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 25 May 2023 | | 750.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
+ | 4 | 15 | 31 May 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 187.5 | 187.5 | 0.0 | 62.5 |
+ | | | 15 July 2023 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 5 | 0 | 15 July 2023 | | 687.5 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
+ | 6 | 74 | 13 August 2023 | | 343.75 | 343.75 | 0.0 | 0.0 | 0.0 | 343.75 | 25.0 | 25.0 | 0.0 | 318.75 |
+ | 7 | 15 | 28 August 2023 | | 0.0 | 343.75 | 0.0 | 0.0 | 0.0 | 343.75 | 0.0 | 0.0 | 0.0 | 343.75 |
+ 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 | 1500.0 | 650.0 | 400.0 | 250.0 | 850.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 06 May 2023 | Repayment | 650.0 | 650.0 | 0.0 | 0.0 | 0.0 | 350.0 |
+ | 25 May 2023 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 600.0 |
+ | 15 July 2023 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 850.0 |
+ When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+
+ @TestRailId:C2940 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, loan fully paid in advance
+ When Admin sets the business date to "01 September 2023"
+ 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 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Loan got fully paid in advance
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 1020 EUR transaction amount
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 01 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | 01 September 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
+ | 4 | 15 | 16 October 2023 | 01 September 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
+ | 5 | 1 | 17 October 2023 | 01 September 2023 | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 20.0 | 20.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 1020.0 | 770.0 | 0.0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 1020.0 | 1000.0 | 0.0 | 0.0 | 20.0 | 0.0 |
+ | 01 September 2023 | Accrual | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | 0.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+
+ @TestRailId:C2941 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, loan fully paid in advance
+ When Admin sets the business date to "01 September 2023"
+ 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_VERTICAL | 01 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Loan got fully paid in advance
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 1020 EUR transaction amount
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 01 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | 01 September 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
+ | 4 | 15 | 16 October 2023 | 01 September 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
+ | 5 | 1 | 17 October 2023 | 01 September 2023 | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 20.0 | 20.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 1020.0 | 770.0 | 0.0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 1020.0 | 1000.0 | 0.0 | 0.0 | 20.0 | 0.0 |
+ | 01 September 2023 | Accrual | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | 0.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+
+ @TestRailId:C2942 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, loan overpaid in advance
+ When Admin sets the business date to "01 September 2023"
+ 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 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Loan got overpaid in advance
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 1120 EUR transaction amount
+ Then Loan status will be "OVERPAID"
+ Then Loan has 0 outstanding amount
+ Then Loan has 100 overpaid amount
+ Then Loan Repayment schedule has 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 01 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | 01 September 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
+ | 4 | 15 | 16 October 2023 | 01 September 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
+ | 5 | 1 | 17 October 2023 | 01 September 2023 | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 20.0 | 20.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 1020.0 | 770.0 | 0.0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 1120.0 | 1000.0 | 0.0 | 0.0 | 20.0 | 0.0 |
+ | 01 September 2023 | Accrual | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | 0.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+
+ @TestRailId:C2943 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, loan overpaid in advance
+ When Admin sets the business date to "01 September 2023"
+ 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_VERTICAL | 01 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Loan got overpaid in advance
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 1120 EUR transaction amount
+ Then Loan status will be "OVERPAID"
+ Then Loan has 0 outstanding amount
+ Then Loan has 100 overpaid amount
+ Then Loan Repayment schedule has 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 01 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | 01 September 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
+ | 4 | 15 | 16 October 2023 | 01 September 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
+ | 5 | 1 | 17 October 2023 | 01 September 2023 | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 20.0 | 20.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 1020.0 | 770.0 | 0.0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 1120.0 | 1000.0 | 0.0 | 0.0 | 20.0 | 0.0 |
+ | 01 September 2023 | Accrual | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | 0.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+
+ @TestRailId:C2944 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, in advanced repayment (future installment type: NEXT_INSTALLMENT)
+ When Admin sets the business date to "01 September 2023"
+ 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 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make due date repayments
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 250 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 500.0 | 0.0 | 0.0 | 520.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make charges for the next installments
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make in advance payment (future installment type: NEXT_INSTALLMENT)
+ When Admin sets the business date to "17 September 2023"
+ And Customer makes "AUTOPAY" repayment on "17 September 2023" with 100 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 100.0 | 100.0 | 0.0 | 170.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 600.0 | 100.0 | 0.0 | 460.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 17 September 2023 | Repayment | 100.0 | 80.0 | 0.0 | 0.0 | 20.0 | 420.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+
+ @TestRailId:C2945 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, in advanced repayment (future installment type: NEXT_INSTALLMENT)
+ When Admin sets the business date to "01 September 2023"
+ 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_VERTICAL | 01 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make due date repayments
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 250 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 500.0 | 0.0 | 0.0 | 520.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make charges for the next installments
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make in advance payment (future installment type: NEXT_INSTALLMENT)
+ When Admin sets the business date to "17 September 2023"
+ And Customer makes "AUTOPAY" repayment on "17 September 2023" with 100 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 60.0 | 60.0 | 0.0 | 210.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 20.0 | 20.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | 17 September 2023 | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 20.0 | 20.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 0.0 | 0.0 | 60.0 | 1060.0 | 600.0 | 100.0 | 0.0 | 460.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 17 September 2023 | Repayment | 100.0 | 40.0 | 0.0 | 0.0 | 60.0 | 460.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+
diff --git a/fineract-e2e-tests-runner/src/test/resources/features/Loan-Part3.feature b/fineract-e2e-tests-runner/src/test/resources/features/Loan-Part3.feature
new file mode 100644
index 0000000000..88e4a14f8d
--- /dev/null
+++ b/fineract-e2e-tests-runner/src/test/resources/features/Loan-Part3.feature
@@ -0,0 +1,2919 @@
+@LoanFeature
+Feature: Loan - Part3
+
+ @TestRailId:C2946 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) - amount < past due charge
+ When Admin sets the business date to "01 September 2023"
+ 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 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make due date repayments
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 250 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 500.0 | 0.0 | 0.0 | 520.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make charges for the next installments
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make late Goodwill credit transaction (future installment type: LAST_INSTALLMENT)
+ When Admin sets the business date to "17 October 2023"
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 October 2023" with 15 EUR transaction amount and system-generated Idempotency key
+ 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 15.0 | 0.0 | 15.0 | 255.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 515.0 | 0.0 | 15.0 | 545.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 17 October 2023 | Goodwill Credit | 15.0 | 0.0 | 0.0 | 0.0 | 15.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 15.0 | 0.0 | 5.0 |
+
+ @TestRailId:C2947 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) - amount < past due charge
+ When Admin sets the business date to "01 September 2023"
+ 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_VERTICAL | 01 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make due date repayments
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 250 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 500.0 | 0.0 | 0.0 | 520.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make charges for the next installments
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make late Goodwill credit transaction (future installment type: LAST_INSTALLMENT)
+ When Admin sets the business date to "17 October 2023"
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 October 2023" with 15 EUR transaction amount and system-generated Idempotency key
+ 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 15.0 | 0.0 | 15.0 | 255.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 515.0 | 0.0 | 15.0 | 545.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 17 October 2023 | Goodwill Credit | 15.0 | 0.0 | 0.0 | 0.0 | 15.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 15.0 | 0.0 | 5.0 |
+
+ @TestRailId:C2948 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) - amount > first past due charge
+ When Admin sets the business date to "01 September 2023"
+ 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 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make due date repayments
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 250 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 500.0 | 0.0 | 0.0 | 520.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make charges for the next installments
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make late Goodwill credit transaction (future installment type: LAST_INSTALLMENT)
+ When Admin sets the business date to "17 October 2023"
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 October 2023" with 35 EUR transaction amount and system-generated Idempotency key
+ 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 35.0 | 0.0 | 35.0 | 235.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 535.0 | 0.0 | 35.0 | 525.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 17 October 2023 | Goodwill Credit | 35.0 | 15.0 | 0.0 | 0.0 | 20.0 | 485.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+
+ @TestRailId:C2949 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) - amount > first past due charge
+ When Admin sets the business date to "01 September 2023"
+ 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_VERTICAL | 01 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make due date repayments
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 250 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 500.0 | 0.0 | 0.0 | 520.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make charges for the next installments
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make late Goodwill credit transaction (future installment type: LAST_INSTALLMENT)
+ When Admin sets the business date to "17 October 2023"
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 October 2023" with 35 EUR transaction amount and system-generated Idempotency key
+ 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 20.0 | 0.0 | 20.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 15.0 | 0.0 | 15.0 | 255.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 535.0 | 0.0 | 35.0 | 525.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 17 October 2023 | Goodwill Credit | 35.0 | 0.0 | 0.0 | 0.0 | 35.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 15.0 | 0.0 | 5.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+
+ @TestRailId:C2950 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) - amount > sum past due charges
+ When Admin sets the business date to "01 September 2023"
+ 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 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make due date repayments
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 250 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 500.0 | 0.0 | 0.0 | 520.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make charges for the next installments
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make late Goodwill credit transaction (future installment type: LAST_INSTALLMENT)
+ When Admin sets the business date to "17 October 2023"
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 October 2023" with 350 EUR transaction amount and system-generated Idempotency key
+ 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | 17 October 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 270.0 | 0.0 | 270.0 | 0.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 80.0 | 0.0 | 80.0 | 190.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 850.0 | 0.0 | 350.0 | 210.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 17 October 2023 | Goodwill Credit | 350.0 | 310.0 | 0.0 | 0.0 | 40.0 | 190.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+
+ @TestRailId:C2951 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) - amount > sum past due charges
+ When Admin sets the business date to "01 September 2023"
+ 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_VERTICAL | 01 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make due date repayments
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 250 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 500.0 | 0.0 | 0.0 | 520.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make charges for the next installments
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make late Goodwill credit transaction (future installment type: LAST_INSTALLMENT)
+ When Admin sets the business date to "17 October 2023"
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 October 2023" with 350 EUR transaction amount and system-generated Idempotency key
+ 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | 17 October 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 270.0 | 0.0 | 270.0 | 0.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 80.0 | 0.0 | 80.0 | 190.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 850.0 | 0.0 | 350.0 | 210.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 17 October 2023 | Goodwill Credit | 350.0 | 310.0 | 0.0 | 0.0 | 40.0 | 190.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+
+ @TestRailId:C2952 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, in advanced Goodwill credit transaction on first charge due date (future installment type: LAST_INSTALLMENT) - amount > due date charge
+ When Admin sets the business date to "01 September 2023"
+ 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 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make due date repayments
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 250 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 500.0 | 0.0 | 0.0 | 520.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make charges for the next installments
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make in advanced Goodwill credit transaction (future installment type: LAST_INSTALLMENT)
+ When Admin sets the business date to "17 September 2023"
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 September 2023" with 35 EUR transaction amount and system-generated Idempotency key
+ 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 15.0 | 15.0 | 0.0 | 255.0 |
+ | 5 | 1 | 17 October 2023 | 17 September 2023 | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 20.0 | 20.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 0.0 | 0.0 | 60.0 | 1060.0 | 535.0 | 35.0 | 0.0 | 525.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 17 September 2023 | Goodwill Credit | 35.0 | 0.0 | 0.0 | 0.0 | 35.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 15.0 | 0.0 | 5.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+
+ @TestRailId:C2953 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, in advanced Goodwill credit transaction on first charge due date (future installment type: LAST_INSTALLMENT) - amount > due date charge
+ When Admin sets the business date to "01 September 2023"
+ 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_VERTICAL | 01 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make due date repayments
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 250 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 500.0 | 0.0 | 0.0 | 520.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make charges for the next installments
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make in advanced Goodwill credit transaction (future installment type: LAST_INSTALLMENT)
+ When Admin sets the business date to "17 September 2023"
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 September 2023" with 35 EUR transaction amount and system-generated Idempotency key
+ 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 15.0 | 15.0 | 0.0 | 255.0 |
+ | 5 | 1 | 17 October 2023 | 17 September 2023 | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 20.0 | 20.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 0.0 | 0.0 | 60.0 | 1060.0 | 535.0 | 35.0 | 0.0 | 525.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 17 September 2023 | Goodwill Credit | 35.0 | 0.0 | 0.0 | 0.0 | 35.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 15.0 | 0.0 | 5.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+
+ @TestRailId:C2954 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, in advanced Goodwill credit transaction before first charge due date (future installment type: LAST_INSTALLMENT) - amount > first and second charge
+ When Admin sets the business date to "01 September 2023"
+ 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 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make due date repayments
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 250 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 500.0 | 0.0 | 0.0 | 520.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make charges for the next installments
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ When Admin sets the business date to "17 September 2023"
+ # Make in advanced Goodwill credit transaction (future installment type: LAST_INSTALLMENT)
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 September 2023" with 35 EUR transaction amount and system-generated Idempotency key
+ 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 15.0 | 15.0 | 0.0 | 255.0 |
+ | 5 | 1 | 17 October 2023 | 17 September 2023 | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 20.0 | 20.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 0.0 | 0.0 | 60.0 | 1060.0 | 535.0 | 35.0 | 0.0 | 525.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 17 September 2023 | Goodwill Credit | 35.0 | 0.0 | 0.0 | 0.0 | 35.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 15.0 | 0.0 | 5.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+
+ @TestRailId:C2955 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, in advanced Goodwill credit transaction before first charge due date (future installment type: LAST_INSTALLMENT) - amount > first and second charge
+ When Admin sets the business date to "01 September 2023"
+ 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_VERTICAL | 01 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make due date repayments
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 250 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 500.0 | 0.0 | 0.0 | 520.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make charges for the next installments
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ When Admin sets the business date to "17 September 2023"
+# Make in advanced Goodwill credit transaction (future installment type: LAST_INSTALLMENT)
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 September 2023" with 35 EUR transaction amount and system-generated Idempotency key
+ 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 15.0 | 15.0 | 0.0 | 255.0 |
+ | 5 | 1 | 17 October 2023 | 17 September 2023 | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 20.0 | 20.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 0.0 | 0.0 | 60.0 | 1060.0 | 535.0 | 35.0 | 0.0 | 525.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 17 September 2023 | Goodwill Credit | 35.0 | 0.0 | 0.0 | 0.0 | 35.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 15.0 | 0.0 | 5.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+
+ @TestRailId:C2956 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, in advanced Merchant issued refund transaction on first charge due date (future installment type: REAMORTIZATION) - amount < sum all charges
+ When Admin sets the business date to "01 September 2023"
+ 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 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make due date repayments
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 250 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 500.0 | 0.0 | 0.0 | 520.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make charges for the next installments
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make in advanced Merchant issued refund transaction (future installment type: REAMORTIZATION)
+ When Admin sets the business date to "17 September 2023"
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "17 September 2023" with 30 EUR transaction amount and system-generated Idempotency key
+ 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 10.0 | 10.0 | 0.0 | 260.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 10.0 | 10.0 | 0.0 | 260.0 |
+ | 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 10.0 | 10.0 | 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 | 60.0 | 1060.0 | 530.0 | 30.0 | 0.0 | 530.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 17 September 2023 | Merchant Issued Refund | 30.0 | 0.0 | 0.0 | 0.0 | 30.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 |
+
+ @TestRailId:C2957 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, in advanced Merchant issued refund transaction on first charge due date (future installment type: REAMORTIZATION) - amount < sum all charges
+ When Admin sets the business date to "01 September 2023"
+ 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_VERTICAL | 01 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make due date repayments
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 250 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 500.0 | 0.0 | 0.0 | 520.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make charges for the next installments
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make in advanced Merchant issued refund transaction (future installment type: REAMORTIZATION)
+ When Admin sets the business date to "17 September 2023"
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "17 September 2023" with 30 EUR transaction amount and system-generated Idempotency key
+ 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 10.0 | 10.0 | 0.0 | 260.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 10.0 | 10.0 | 0.0 | 260.0 |
+ | 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 10.0 | 10.0 | 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 | 60.0 | 1060.0 | 530.0 | 30.0 | 0.0 | 530.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 17 September 2023 | Merchant Issued Refund | 30.0 | 0.0 | 0.0 | 0.0 | 30.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 |
+
+ @TestRailId:C2958 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, in advanced Merchant issued refund transaction before first charge due date (future installment type: REAMORTIZATION) - amount < sum all charges
+ When Admin sets the business date to "01 September 2023"
+ 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 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make due date repayments
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 250 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 500.0 | 0.0 | 0.0 | 520.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make charges for the next installments
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ When Admin sets the business date to "17 September 2023"
+# Make in advanced Merchant issued refund transaction (future installment type: REAMORTIZATION)
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "17 September 2023" with 30 EUR transaction amount and system-generated Idempotency key
+ 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 10.0 | 10.0 | 0.0 | 260.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 10.0 | 10.0 | 0.0 | 260.0 |
+ | 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 10.0 | 10.0 | 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 | 60.0 | 1060.0 | 530.0 | 30.0 | 0.0 | 530.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 17 September 2023 | Merchant Issued Refund | 30.0 | 0.0 | 0.0 | 0.0 | 30.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 |
+
+ @TestRailId:C2959 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, in advanced Merchant issued refund transaction before first charge due date (future installment type: REAMORTIZATION) - amount < sum all charges
+ When Admin sets the business date to "01 September 2023"
+ 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_VERTICAL | 01 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+# Add charge after maturity
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make due date repayments
+ And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
+ When Admin sets the business date to "16 September 2023"
+ And Customer makes "AUTOPAY" repayment on "16 September 2023" with 250 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 500.0 | 0.0 | 0.0 | 520.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+# Make charges for the next installments
+ When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
+ | 5 | 1 | 17 October 2023 | | 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 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
+ When Admin sets the business date to "17 September 2023"
+# Make in advanced Merchant issued refund transaction (future installment type: REAMORTIZATION)
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "17 September 2023" with 30 EUR transaction amount and system-generated Idempotency key
+ 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 10.0 | 10.0 | 0.0 | 260.0 |
+ | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 10.0 | 10.0 | 0.0 | 260.0 |
+ | 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 10.0 | 10.0 | 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 | 60.0 | 1060.0 | 530.0 | 30.0 | 0.0 | 530.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 17 September 2023 | Merchant Issued Refund | 30.0 | 0.0 | 0.0 | 0.0 | 30.0 | 500.0 |
+ 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 | 17 October 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 |
+ | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 |
+ | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 |
+
+ @TestRailId:C2960 @AdvancedPaymentAllocation
+ Scenario: Verify that rounding in case of multiple installments works properly
+ When Admin sets the business date to "01 September 2023"
+ 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 | 01 September 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
+ And Admin successfully approves the loan on "01 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 October 2023 | | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
+ | 2 | 31 | 01 November 2023 | | 666.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
+ | 3 | 30 | 01 December 2023 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
+ | 4 | 31 | 01 January 2024 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
+ | 5 | 31 | 01 February 2024 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 |
+ | 6 | 29 | 01 March 2024 | | 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 |
+
+ @TestRailId:C2976 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify that disbursement amount only distributed only to future installments (2nd and 3rd installments)
+ When Admin sets the business date to "01 September 2023"
+ 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 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 30 | 01 October 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 31 | 01 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 30 | 01 December 2023 | | 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 adds "LOAN_SNOOZE_FEE" due date charge with "1 September 2023" due date and 50 EUR transaction amount
+ And Customer makes "AUTOPAY" repayment on "1 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 30 | 01 October 2023 | | 500.0 | 250.0 | 0.0 | 50.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 3 | 31 | 01 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 30 | 01 December 2023 | | 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 | 50.0 | 0.0 | 1050.0 | 250.0 | 0.0 | 0.0 | 800.0 |
+ When Admin sets the business date to "01 October 2023"
+ When Admin successfully disburse the loan on "01 October 2023" with "400" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 30 | 01 October 2023 | | 500.0 | 250.0 | 0.0 | 50.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | | | 01 October 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 01 October 2023 | | 800.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 4 | 31 | 01 November 2023 | | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 5 | 30 | 01 December 2023 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1400.0 | 0.0 | 50.0 | 0.0 | 1450.0 | 250.0 | 0.0 | 0.0 | 1200.0 |
+
+ @TestRailId:C2977 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify that disbursement amount only distributed only to future installments (1st, 2nd and 3rd installments)
+ When Admin sets the business date to "01 September 2023"
+ 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 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 30 | 01 October 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 31 | 01 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 30 | 01 December 2023 | | 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 adds "LOAN_SNOOZE_FEE" due date charge with "1 September 2023" due date and 50 EUR transaction amount
+ And Customer makes "AUTOPAY" repayment on "1 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 30 | 01 October 2023 | | 500.0 | 250.0 | 0.0 | 50.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 3 | 31 | 01 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 30 | 01 December 2023 | | 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 | 50.0 | 0.0 | 1050.0 | 250.0 | 0.0 | 0.0 | 800.0 |
+ When Admin successfully disburse the loan on "01 September 2023" with "400" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 01 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 1150.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 0 | 01 September 2023 | | 1050.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 3 | 30 | 01 October 2023 | | 700.0 | 350.0 | 0.0 | 50.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 4 | 31 | 01 November 2023 | | 350.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 |
+ | 5 | 30 | 01 December 2023 | | 0.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1400.0 | 0.0 | 50.0 | 0.0 | 1450.0 | 250.0 | 0.0 | 0.0 | 1200.0 |
+
+ @TestRailId:C2978 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
+ Scenario: Verify that multiple disbursement amount only distributed only to future installments (2nd and 3rd installments)
+ When Admin sets the business date to "01 September 2023"
+ 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 September 2023 | 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 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
+ When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 30 | 01 October 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 31 | 01 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 30 | 01 December 2023 | | 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 adds "LOAN_SNOOZE_FEE" due date charge with "1 September 2023" due date and 50 EUR transaction amount
+ And Customer makes "AUTOPAY" repayment on "1 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 30 | 01 October 2023 | | 500.0 | 250.0 | 0.0 | 50.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 3 | 31 | 01 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 30 | 01 December 2023 | | 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 | 50.0 | 0.0 | 1050.0 | 250.0 | 0.0 | 0.0 | 800.0 |
+ When Admin sets the business date to "01 October 2023"
+ When Admin successfully disburse the loan on "01 October 2023" with "400" EUR transaction amount
+ When Admin successfully disburse the loan on "01 October 2023" with "80" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 30 | 01 October 2023 | | 500.0 | 250.0 | 0.0 | 50.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | | | 01 October 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 01 October 2023 | | 80.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 01 October 2023 | | 880.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 4 | 0 | 01 October 2023 | | 860.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
+ | 5 | 31 | 01 November 2023 | | 430.0 | 430.0 | 0.0 | 0.0 | 0.0 | 430.0 | 0.0 | 0.0 | 0.0 | 430.0 |
+ | 6 | 30 | 01 December 2023 | | 0.0 | 430.0 | 0.0 | 0.0 | 0.0 | 430.0 | 0.0 | 0.0 | 0.0 | 430.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1480.0 | 0.0 | 50.0 | 0.0 | 1530.0 | 250.0 | 0.0 | 0.0 | 1280.0 |
+
+ @TestRailId:C2986 @AdvancedPaymentAllocation
+ Scenario: As an admin I would like to verify that refund is working with advanced payment allocation
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+ When Admin sets the business date to "01 January 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 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 2023" with "500" amount and expected disbursement date on "01 January 2023"
+ Then Loan status has changed to "Approved"
+ And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
+ Then Loan status has changed to "Active"
+ When Admin sets the business date to "11 January 2023"
+ When Admin adds "LOAN_SNOOZE_FEE" due date charge with "11 January 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_SNOOZE_FEE" due date charge with "21 January 2023" due date and 20 EUR transaction amount
+ When Admin adds "LOAN_SNOOZE_FEE" due date charge with "11 February 2023" due date and 20 EUR transaction amount
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 20.0 | 0.0 | 145.0 | 0.0 | 0.0 | 0.0 | 145.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 20.0 | 0.0 | 145.0 | 0.0 | 0.0 | 0.0 | 145.0 |
+ | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 20.0 | 0.0 | 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 |
+ | 500.0 | 0 | 60.0 | 0 | 560.0 | 125.0 | 0 | 0 | 435.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ When Admin sets the business date to "16 January 2023"
+ And Customer makes "AUTOPAY" repayment on "16 January 2023" with 315 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 20.0 | 0.0 | 145.0 | 145.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | 16 January 2023 | 125.0 | 125.0 | 0.0 | 20.0 | 0.0 | 145.0 | 145.0 | 145.0 | 0.0 | 0.0 |
+ | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 20.0 | 0.0 | 145.0 | 25.0 | 25.0 | 0.0 | 120.0 |
+ 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 | 60.0 | 0 | 560.0 | 440.0 | 170 | 0 | 120.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 16 January 2023 | Repayment | 315.0 | 255.0 | 0.0 | 60.0 | 0.0 |
+ When Admin sets the business date to "17 January 2023"
+ And Admin makes "REFUND_BY_CASH" transaction with "AUTOPAY" payment type on "17 January 2023" with 150 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 20.0 | 0.0 | 145.0 | 145.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 20.0 | 0.0 | 145.0 | 20.0 | 20.0 | 0.0 | 125.0 |
+ | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 20.0 | 0.0 | 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 |
+ | 500.0 | 0 | 60.0 | 0 | 560.0 | 290.0 | 20 | 0 | 270.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties |
+ | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 16 January 2023 | Repayment | 315.0 | 255.0 | 0.0 | 60.0 | 0.0 |
+ | 17 January 2023 | Refund | 150.0 | 130.0 | 0.0 | 20.0 | 0.0 |
+
+ @TestRailId:C3042 @AdvancedPaymentAllocation
+ Scenario: Verify that second disbursement is working on overpaid accounts in case of NEXT_INSTALLMENT future installment allocation rule
+ 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 "500" EUR transaction amount
+ When Admin sets the business date to "16 January 2024"
+ And Customer makes "AUTOPAY" repayment on "16 January 2024" with 500 EUR transaction amount
+ Then Loan status will be "OVERPAID"
+ Then Loan has 125 overpaid amount
+ When Admin successfully disburse the loan on "16 January 2024" with "500" EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ Then Loan has 375 outstanding 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 | | 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 |
+ | | | 16 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 16 January 2024 | 16 January 2024 | 625.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 4 | 15 | 31 January 2024 | | 313.0 | 312.0 | 0.0 | 0.0 | 0.0 | 312.0 | 125.0 | 125.0 | 0.0 | 187.0 |
+ | 5 | 15 | 15 February 2024 | | 0.0 | 313.0 | 0.0 | 0.0 | 0.0 | 313.0 | 125.0 | 125.0 | 0.0 | 188.0 |
+ 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 | 1000.0 | 625.0 | 250.0 | 0 | 375.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 16 January 2024 | Repayment | 500.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 16 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+
+ @TestRailId:C3043 @AdvancedPaymentAllocation
+ Scenario: Verify that second disbursement is working on overpaid accounts in case of REAMORTIZATION future installment allocation rule
+ 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 "REAMORTIZATION" 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 "500" EUR transaction amount
+ When Admin sets the business date to "16 January 2024"
+ When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "16 January 2024" with 500 EUR transaction amount and system-generated Idempotency key
+ Then Loan status will be "OVERPAID"
+ Then Loan has 125 overpaid amount
+ When Admin successfully disburse the loan on "16 January 2024" with "500" EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ Then Loan has 375 outstanding 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 | | 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 |
+ | | | 16 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 16 January 2024 | 16 January 2024 | 625.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 4 | 15 | 31 January 2024 | | 313.0 | 312.0 | 0.0 | 0.0 | 0.0 | 312.0 | 125.0 | 125.0 | 0.0 | 187.0 |
+ | 5 | 15 | 15 February 2024 | | 0.0 | 313.0 | 0.0 | 0.0 | 0.0 | 313.0 | 125.0 | 125.0 | 0.0 | 188.0 |
+ 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 | 1000.0 | 625.0 | 250.0 | 0 | 375.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ | 16 January 2024 | Payout Refund | 500.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 16 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 375.0 |
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+
+ @TestRailId:C3046 @AdvancedPaymentAllocation
+ Scenario: Verify that principal due is correct in case of second disbursement on overpaid loan
+ When Admin sets the business date to "01 February 2024"
+ When Admin creates a client with random data
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "REAMORTIZATION" 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 February 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 February 2024" with "1000" amount and expected disbursement date on "01 February 2024"
+ When Admin successfully disburse the loan on "01 February 2024" with "200" EUR transaction amount
+ When Admin sets the business date to "02 February 2024"
+ When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "02 February 2024" with 200 EUR transaction amount and system-generated Idempotency key
+ Then Loan status will be "OVERPAID"
+ Then Loan has 50 overpaid amount
+ When Admin successfully disburse the loan on "02 February 2024" with "160" 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 February 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 February 2024 | 01 February 2024 | 150.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 |
+ | | | 02 February 2024 | | 160.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 2 | 0 | 02 February 2024 | 02 February 2024 | 270.0 | 40.0 | 0.0 | 0.0 | 0.0 | 40.0 | 40.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 16 February 2024 | | 180.0 | 90.0 | 0.0 | 0.0 | 0.0 | 90.0 | 53.33 | 53.33 | 0.0 | 36.67 |
+ | 4 | 15 | 02 March 2024 | | 90.0 | 90.0 | 0.0 | 0.0 | 0.0 | 90.0 | 53.33 | 53.33 | 0.0 | 36.67 |
+ | 5 | 15 | 17 March 2024 | | 0.0 | 90.0 | 0.0 | 0.0 | 0.0 | 90.0 | 53.34 | 53.34 | 0.0 | 36.66 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 360.0 | 0 | 0.0 | 0 | 360.0 | 250.0 | 160.0 | 0 | 110.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 February 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 |
+ | 01 February 2024 | Down Payment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 |
+ | 02 February 2024 | Payout Refund | 200.0 | 150.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 02 February 2024 | Disbursement | 160.0 | 0.0 | 0.0 | 0.0 | 0.0 | 110.0 |
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+
+ @TestRailId:C3049 @AdvancedPaymentAllocation
+ Scenario: Verify that second disbursement on overpaid loan is correct when disbursement amount is lower than overpayment amount
+ When Admin sets the business date to "01 February 2024"
+ When Admin creates a client with random data
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "REAMORTIZATION" 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 February 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 February 2024" with "1000" amount and expected disbursement date on "01 February 2024"
+ When Admin successfully disburse the loan on "01 February 2024" with "200" EUR transaction amount
+ When Admin sets the business date to "02 February 2024"
+ When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "02 February 2024" with 200 EUR transaction amount and system-generated Idempotency key
+ Then Loan status will be "OVERPAID"
+ Then Loan has 50 overpaid amount
+ When Admin successfully disburse the loan on "02 February 2024" with "28" 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 February 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 February 2024 | 01 February 2024 | 150.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 |
+ | | | 02 February 2024 | | 28.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 2 | 0 | 02 February 2024 | 02 February 2024 | 171.0 | 7.0 | 0.0 | 0.0 | 0.0 | 7.0 | 7.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 15 | 16 February 2024 | 02 February 2024 | 114.0 | 57.0 | 0.0 | 0.0 | 0.0 | 57.0 | 57.0 | 57.0 | 0.0 | 0.0 |
+ | 4 | 15 | 02 March 2024 | 02 February 2024 | 57.0 | 57.0 | 0.0 | 0.0 | 0.0 | 57.0 | 57.0 | 57.0 | 0.0 | 0.0 |
+ | 5 | 15 | 17 March 2024 | 02 February 2024 | 0.0 | 57.0 | 0.0 | 0.0 | 0.0 | 57.0 | 57.0 | 57.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 228.0 | 0 | 0.0 | 0 | 228.0 | 228.0 | 171.0 | 0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 February 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 |
+ | 01 February 2024 | Down Payment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 |
+ | 02 February 2024 | Payout Refund | 200.0 | 150.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 02 February 2024 | Disbursement | 28.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ Then Loan status will be "OVERPAID"
+ Then Loan has 22 overpaid amount
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+
+ @TestRailId:C3068 @AdvancedPaymentAllocation
+ Scenario: Verify that Fraud flag can be applied on loan is its every status
+ When Admin sets the business date to "01 February 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 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ Then Loan status will be "SUBMITTED_AND_PENDING_APPROVAL"
+ Then Admin can successfully set Fraud flag to the loan
+ Then Admin can successfully unset Fraud flag to the loan
+ And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024"
+ Then Loan status will be "APPROVED"
+ Then Admin can successfully set Fraud flag to the loan
+ Then Admin can successfully unset Fraud flag to the loan
+ When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ Then Admin can successfully set Fraud flag to the loan
+ Then Admin can successfully unset Fraud flag to the loan
+ When Admin sets the business date to "02 February 2024"
+ And Customer makes "AUTOPAY" repayment on "02 February 2024" with 100 EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ Then Admin can successfully set Fraud flag to the loan
+ Then Admin can successfully unset Fraud flag to the loan
+ When Admin sets the business date to "03 February 2024"
+ And Customer makes "AUTOPAY" repayment on "03 February 2024" with 750 EUR transaction amount
+ Then Loan status will be "OVERPAID"
+ Then Loan has 100 overpaid amount
+ Then Admin can successfully set Fraud flag to the loan
+ Then Admin can successfully unset Fraud flag to the loan
+ When Admin sets the business date to "04 February 2024"
+ When Customer undo "1"th "Repayment" transaction made on "02 February 2024"
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Admin can successfully set Fraud flag to the loan
+ Then Admin can successfully unset Fraud flag to the loan
+
+ @TestRailId:C3090
+ Scenario: Verify that disbursement can be done on overpaid loan in case of cummulative loan schedule
+ When Admin sets the business date to "01 February 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 | 01 February 2024 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE |
+ And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024"
+ When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount
+ When Admin sets the business date to "02 February 2024"
+ And Customer makes "AUTOPAY" repayment on "02 February 2024" with 800 EUR transaction amount
+ Then Loan status will be "OVERPAID"
+ Then Loan has 50 overpaid amount
+ When Admin sets the business date to "03 February 2024"
+ When Admin successfully disburse the loan on "03 February 2024" with "20" EUR transaction amount
+ Then Loan status will be "OVERPAID"
+ Then Loan has 30 overpaid 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | | | 03 February 2024 | | 20.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 2 | 0 | 03 February 2024 | 02 February 2024 | 765.0 | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 5.0 | 5.0 | 0.0 | 0.0 |
+ | 3 | 29 | 01 March 2024 | 02 February 2024 | 510.0 | 255.0 | 0.0 | 0.0 | 0.0 | 255.0 | 255.0 | 255.0 | 0.0 | 0.0 |
+ | 4 | 31 | 01 April 2024 | 02 February 2024 | 255.0 | 255.0 | 0.0 | 0.0 | 0.0 | 255.0 | 255.0 | 255.0 | 0.0 | 0.0 |
+ | 5 | 30 | 01 May 2024 | 02 February 2024 | 0.0 | 255.0 | 0.0 | 0.0 | 0.0 | 255.0 | 255.0 | 255.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1020.0 | 0 | 0.0 | 0 | 1020.0 | 1020.0 | 770.0 | 0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 February 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 02 February 2024 | Repayment | 800.0 | 770.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 03 February 2024 | Disbursement | 20.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ When Admin sets the business date to "04 February 2024"
+ When Admin successfully disburse the loan on "04 February 2024" with "30" EUR transaction amount
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan Repayment schedule has 6 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | | | 03 February 2024 | | 20.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 2 | 0 | 03 February 2024 | 02 February 2024 | 765.0 | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 5.0 | 5.0 | 0.0 | 0.0 |
+ | | | 04 February 2024 | | 30.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 04 February 2024 | 02 February 2024 | 787.0 | 8.0 | 0.0 | 0.0 | 0.0 | 8.0 | 8.0 | 8.0 | 0.0 | 0.0 |
+ | 4 | 29 | 01 March 2024 | 02 February 2024 | 524.0 | 263.0 | 0.0 | 0.0 | 0.0 | 263.0 | 263.0 | 263.0 | 0.0 | 0.0 |
+ | 5 | 31 | 01 April 2024 | 02 February 2024 | 261.0 | 263.0 | 0.0 | 0.0 | 0.0 | 263.0 | 263.0 | 263.0 | 0.0 | 0.0 |
+ | 6 | 30 | 01 May 2024 | 02 February 2024 | 0.0 | 261.0 | 0.0 | 0.0 | 0.0 | 261.0 | 261.0 | 261.0 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1050.0 | 0 | 0.0 | 0 | 1050.0 | 1050.0 | 800.0 | 0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 February 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 02 February 2024 | Repayment | 800.0 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 03 February 2024 | Disbursement | 20.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 04 February 2024 | Disbursement | 30.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ When Admin sets the business date to "05 February 2024"
+ When Admin successfully disburse the loan on "05 February 2024" with "40" EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ Then Loan has 30 outstanding 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
+ | | | 03 February 2024 | | 20.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 2 | 0 | 03 February 2024 | 02 February 2024 | 765.0 | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 5.0 | 5.0 | 0.0 | 0.0 |
+ | | | 04 February 2024 | | 30.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 04 February 2024 | 02 February 2024 | 787.0 | 8.0 | 0.0 | 0.0 | 0.0 | 8.0 | 8.0 | 8.0 | 0.0 | 0.0 |
+ | | | 05 February 2024 | | 40.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 4 | 0 | 05 February 2024 | 02 February 2024 | 817.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 10.0 | 0.0 | 0.0 |
+ | 5 | 29 | 01 March 2024 | 02 February 2024 | 544.0 | 273.0 | 0.0 | 0.0 | 0.0 | 273.0 | 273.0 | 273.0 | 0.0 | 0.0 |
+ | 6 | 31 | 01 April 2024 | 02 February 2024 | 271.0 | 273.0 | 0.0 | 0.0 | 0.0 | 273.0 | 273.0 | 273.0 | 0.0 | 0.0 |
+ | 7 | 30 | 01 May 2024 | | 0.0 | 271.0 | 0.0 | 0.0 | 0.0 | 271.0 | 241.0 | 241.0 | 0.0 | 30.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1090.0 | 0 | 0.0 | 0 | 1090.0 | 1060.0 | 810.0 | 0 | 30.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ | 01 February 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
+ | 02 February 2024 | Repayment | 800.0 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 03 February 2024 | Disbursement | 20.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 04 February 2024 | Disbursement | 30.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 05 February 2024 | Disbursement | 40.0 | 0.0 | 0.0 | 0.0 | 0.0 | 40.0 |
+ | 05 February 2024 | Down Payment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 30.0 |
+
+ @TestRailId:C3103
+ Scenario: Verify that fixed length in loan product is inherited by loan account
+ When Admin sets the business date to "01 February 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_ADV_PMT_ALLOC_FIXED_LENGTH | 01 February 2024 | 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 February 2024" with "1000" amount and expected disbursement date on "01 February 2024"
+ When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount
+ Then LoanDetails has fixedLength field with int value: 90
+
+ @TestRailId:C3104
+ Scenario: Verify that fixed length in loan product can be overwrote upon loan account creation
+ When Admin sets the business date to "01 February 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 fixed length 60 and 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_FIXED_LENGTH | 01 February 2024 | 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 February 2024" with "1000" amount and expected disbursement date on "01 February 2024"
+ When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount
+ Then LoanDetails has fixedLength field with int value: 60
+
+ @TestRailId:C3119
+ Scenario: Verify fixed length loan account Loan schedule - UC1: loan account with fixed length of 40 days (loanTermFrequency: 45 days)
+ When Admin sets the business date to "01 February 2024"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with fixed length 40 and 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_FIXED_LENGTH | 01 February 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 February 2024" with "1000" amount and expected disbursement date on "01 February 2024"
+ When Admin successfully disburse the loan on "01 February 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 February 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 02 March 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 10 | 12 March 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 | 1000.0 | 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 |
+ | 01 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+
+ @TestRailId:C3120
+ Scenario: Verify fixed length loan account Loan schedule - UC2: loan account with fixed length of 50 days (loanTermFrequency: 45 days)
+ When Admin sets the business date to "01 February 2024"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with fixed length 50 and 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_FIXED_LENGTH | 01 February 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 February 2024" with "1000" amount and expected disbursement date on "01 February 2024"
+ When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount
+ Then LoanDetails has fixedLength field with int value: 50
+ 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 February 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 02 March 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 20 | 22 March 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 | 1000.0 | 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 |
+ | 01 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+
+ @TestRailId:C3121
+ Scenario: Verify fixed length loan account Loan schedule - UC3: loan account with fixed length of 5 weeks (loanTermFrequency: 6 weeks)
+ When Admin sets the business date to "01 February 2024"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with fixed length 5 and 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_FIXED_LENGTH | 01 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | WEEKS | 2 | WEEKS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024"
+ When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount
+ Then LoanDetails has fixedLength field with int value: 5
+ 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 14 | 15 February 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 14 | 29 February 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 7 | 07 March 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 | 1000.0 | 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 |
+ | 01 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+
+ @TestRailId:C3122
+ Scenario: Verify fixed length loan account Loan schedule - UC4: loan account with fixed length of 7 weeks (loanTermFrequency: 6 weeks)
+ When Admin sets the business date to "01 February 2024"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with fixed length 7 and 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_FIXED_LENGTH | 01 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | WEEKS | 2 | WEEKS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024"
+ When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount
+ Then LoanDetails has fixedLength field with int value: 7
+ 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 14 | 15 February 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 14 | 29 February 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 21 | 21 March 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 | 1000.0 | 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 |
+ | 01 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+
+ @TestRailId:C3123
+ Scenario: Verify fixed length loan account Loan schedule - UC5: loan account with fixed length of 5 months (loanTermFrequency: 6 months)
+ When Admin sets the business date to "01 February 2024"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with fixed length 5 and 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_FIXED_LENGTH | 01 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 2 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024"
+ When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount
+ Then LoanDetails has fixedLength field with int value: 5
+ 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 60 | 01 April 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 61 | 01 June 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 30 | 01 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 |
+ | 1000.0 | 0 | 0.0 | 0 | 1000.0 | 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 |
+ | 01 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+
+ @TestRailId:C3124
+ Scenario: Verify fixed length loan account Loan schedule - UC6: loan account with fixed length of 7 months (loanTermFrequency: 6 months)
+ When Admin sets the business date to "01 February 2024"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with fixed length 7 and 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_FIXED_LENGTH | 01 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 2 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024"
+ When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount
+ Then LoanDetails has fixedLength field with int value: 7
+ 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 60 | 01 April 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 61 | 01 June 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 92 | 01 September 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 | 1000.0 | 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 |
+ | 01 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+
+ @TestRailId:C3125
+ Scenario: Verify fixed length loan account Loan schedule - UC7: loan account with fixed length of 5 months but 6 month period / repayment in every 1 month results an ERROR
+ When Admin sets the business date to "01 February 2024"
+ When Admin creates a client with random data
+ When Trying to create a fully customized loan with fixed length 5 and with the following data will result a 403 ERROR:
+ | 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_FIXED_LENGTH | 01 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+
+ @TestRailId:C3126
+ Scenario: Verify fixed length loan account Loan schedule - UC8: Reschedule by date a loan account with fixed length of 40 days
+ When Admin sets the business date to "01 February 2024"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with fixed length 40 and 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_FIXED_LENGTH | 01 February 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 February 2024" with "1000" amount and expected disbursement date on "01 February 2024"
+ When Admin successfully disburse the loan on "01 February 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 February 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 02 March 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 10 | 12 March 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 | 1000.0 | 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 |
+ | 01 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ When Admin sets the business date to "02 March 2024"
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 02 March 2024 | 02 March 2024 | 20 March 2024 | | | | |
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 February 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 33 | 20 March 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 10 | 30 March 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 | 1000.0 | 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 |
+ | 01 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+
+ @TestRailId:C3127
+ Scenario: Verify fixed length loan account Loan schedule - UC9: Reschedule by extra terms a loan account with fixed length of 40 days
+ When Admin sets the business date to "01 February 2024"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with fixed length 40 and 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_FIXED_LENGTH | 01 February 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 February 2024" with "1000" amount and expected disbursement date on "01 February 2024"
+ When Admin successfully disburse the loan on "01 February 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 February 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 15 | 02 March 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 10 | 12 March 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 | 1000.0 | 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 |
+ | 01 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ When Admin sets the business date to "16 February 2024"
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 16 February 2024 | 16 February 2024 | | | | 2 | |
+ # Verify Progressive Loan reschedule behavior - future installments recalculated
+ Then Loan Repayment schedule has 6 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 15 | 16 February 2024 | | 600.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
+ | 3 | 15 | 02 March 2024 | | 450.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
+ | 4 | 10 | 12 March 2024 | | 300.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
+ | 5 | 20 | 01 April 2024 | | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
+ | 6 | 15 | 16 April 2024 | | 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 | 1000.0 | 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 |
+ | 01 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+
+ @TestRailId:C3192
+ Scenario: Verify that the error message is correct in case of the actual disbursement date is in the past with advanced payment allocation product + submitted on date repaymentStartDateType
+ When Admin sets repaymentStartDateType for "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product to "SUBMITTED_ON_DATE"
+ When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+ When Admin sets the business date to "01 January 2023"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 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 2023" with "500" amount and expected disbursement date on "01 January 2023"
+ Then Loan status has changed to "Approved"
+ Then Admin fails to disburse the loan on "31 December 2022" with "500" EUR transaction amount because disbursement date is earlier than "01 January 2023"
+ When Admin sets repaymentStartDateType for "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product to "DISBURSEMENT_DATE"
+
+ @TestRailId:C3242
+ Scenario: Verify that there are no restriction on repayment reversal for overpaid loan for interest bearing product
+ When Admin sets the business date to "23 June 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_RECALCULATION_DAILY_TILL_PRECLOSE | 23 Jun 2024 | 400 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "23 June 2024" with "400" amount and expected disbursement date on "23 June 2024"
+ When Admin successfully disburse the loan on "23 June 2024" with "400" EUR transaction amount
+ And Admin sets the business date to "24 June 2024"
+ And Customer makes "AUTOPAY" repayment on "24 June 2024" with 100 EUR transaction amount
+ Then Loan Repayment schedule has 1 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 23 July 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 100.0 | 100.0 | 0.0 | 300.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 100.0 | 100.0 | 0.0 | 300.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 24 June 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ And Admin sets the business date to "10 September 2024"
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "10 September 2024" with 400 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 1 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 23 July 2024 | 10 September 2024 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 400.0 | 100.0 | 300.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 400.0 | 100.0 | 300.0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 24 June 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 10 September 2024 | Merchant Issued Refund | 400.0 | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ Then Loan status will be "OVERPAID"
+ When Admin makes Credit Balance Refund transaction on "10 September 2024" with 91.21 EUR transaction amount
+ Then Loan Repayment schedule has 1 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 23 July 2024 | 10 September 2024 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 400.0 | 100.0 | 300.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 400.0 | 100.0 | 300.0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 24 June 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 10 September 2024 | Merchant Issued Refund | 400.0 | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 10 September 2024 | Credit Balance Refund | 91.21 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ When Customer undo "1"th repayment on "24 June 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 |
+ | | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 23 July 2024 | 10 September 2024 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 400.0 | 0.0 | 400.0 | 0.0 |
+ | 2 | 49 | 10 September 2024 | | 0.0 | 91.21 | 0.0 | 0.0 | 0.0 | 91.21 | 0.0 | 0.0 | 0.0 | 91.21 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 491.21 | 0.0 | 0.0 | 0.0 | 491.21 | 400.0 | 0.0 | 400.0 | 91.21 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 24 June 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 10 September 2024 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 10 September 2024 | Credit Balance Refund | 91.21 | 91.21 | 0.0 | 0.0 | 0.0 | 91.21 |
+ Then In Loan Transactions the "2"th Transaction has Transaction type="Repayment" and is reverted
+
+ @TestRailId:C3282
+ Scenario: Verify reversal of related interest refund transaction after merchant issued refund transactions is reversed
+ 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_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 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 sets the business date to "22 January 2024"
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 100 EUR transaction amount and system-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | | 752.97 | 247.03 | 8.11 | 0.0 | 0.0 | 255.14 | 100.57 | 100.57 | 0.0 | 154.57 |
+ | 2 | 29 | 01 March 2024 | | 503.74 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 3 | 31 | 01 April 2024 | | 252.82 | 250.92 | 4.22 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 4 | 30 | 01 May 2024 | | 0.0 | 252.82 | 2.05 | 0.0 | 0.0 | 254.87 | 0.0 | 0.0 | 0.0 | 254.87 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.29 | 0.0 | 0.0 | 1020.29 | 100.57 | 100.57 | 0.0 | 919.72 |
+ 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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 22 January 2024 | Merchant Issued Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false |
+ | 22 January 2024 | Interest Refund | 0.57 | 0.57 | 0.0 | 0.0 | 0.0 | 899.43 | false | false |
+ When Customer undo "1"th "Merchant Issued Refund" transaction made on "22 January 2024" with linked "Interest Refund" 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 | 31 | 01 February 2024 | | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 2 | 29 | 01 March 2024 | | 504.02 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 3 | 31 | 01 April 2024 | | 253.11 | 250.91 | 4.23 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 4 | 30 | 01 May 2024 | | 0.0 | 253.11 | 2.05 | 0.0 | 0.0 | 255.16 | 0.0 | 0.0 | 0.0 | 255.16 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.58 | 0.0 | 0.0 | 1020.58 | 0.0 | 0.0 | 0.0 | 1020.58 |
+ 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 |
+ | 22 January 2024 | Merchant Issued Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | true | false |
+ | 22 January 2024 | Interest Refund | 0.57 | 0.57 | 0.0 | 0.0 | 0.0 | 899.43 | true | false |
+ Then In Loan Transactions the "3"th Transaction has Transaction type="Interest Refund" and is reverted
+
+ @TestRailId:C3283
+ Scenario: Verify reversal of related interest refund transaction after payout refund transactions is reversed
+ 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_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 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 sets the business date to "22 January 2024"
+ When Admin makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 100 EUR transaction amount
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | | 752.97 | 247.03 | 8.11 | 0.0 | 0.0 | 255.14 | 100.57 | 100.57 | 0.0 | 154.57 |
+ | 2 | 29 | 01 March 2024 | | 503.74 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 3 | 31 | 01 April 2024 | | 252.82 | 250.92 | 4.22 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 4 | 30 | 01 May 2024 | | 0.0 | 252.82 | 2.05 | 0.0 | 0.0 | 254.87 | 0.0 | 0.0 | 0.0 | 254.87 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.29 | 0.0 | 0.0 | 1020.29 | 100.57 | 100.57 | 0.0 | 919.72 |
+ 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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 22 January 2024 | Payout Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false |
+ | 22 January 2024 | Interest Refund | 0.57 | 0.57 | 0.0 | 0.0 | 0.0 | 899.43 | false | false |
+ When Customer undo "1"th "Payout Refund" transaction made on "22 January 2024" with linked "Interest Refund" 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 | 31 | 01 February 2024 | | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 2 | 29 | 01 March 2024 | | 504.02 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 3 | 31 | 01 April 2024 | | 253.11 | 250.91 | 4.23 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 4 | 30 | 01 May 2024 | | 0.0 | 253.11 | 2.05 | 0.0 | 0.0 | 255.16 | 0.0 | 0.0 | 0.0 | 255.16 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.58 | 0.0 | 0.0 | 1020.58 | 0.0 | 0.0 | 0.0 | 1020.58 |
+ 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 |
+ | 22 January 2024 | Payout Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | true | false |
+ | 22 January 2024 | Interest Refund | 0.57 | 0.57 | 0.0 | 0.0 | 0.0 | 899.43 | true | false |
+ Then In Loan Transactions the "3"th Transaction has Transaction type="Interest Refund" and is reverted
+
+ @TestRailId:C3324
+ Scenario: Verify interest refund transaction after merchant issued refund transactions is forbidden to be reversed
+ 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_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 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 sets the business date to "22 January 2024"
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 100 EUR transaction amount and system-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | | 752.97 | 247.03 | 8.11 | 0.0 | 0.0 | 255.14 | 100.57 | 100.57 | 0.0 | 154.57 |
+ | 2 | 29 | 01 March 2024 | | 503.74 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 3 | 31 | 01 April 2024 | | 252.82 | 250.92 | 4.22 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 4 | 30 | 01 May 2024 | | 0.0 | 252.82 | 2.05 | 0.0 | 0.0 | 254.87 | 0.0 | 0.0 | 0.0 | 254.87 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.29 | 0.0 | 0.0 | 1020.29 | 100.57 | 100.57 | 0.0 | 919.72 |
+ 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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 22 January 2024 | Merchant Issued Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false |
+ | 22 January 2024 | Interest Refund | 0.57 | 0.57 | 0.0 | 0.0 | 0.0 | 899.43 | false | false |
+ When Customer is forbidden to undo "1"th "Interest Refund" transaction made on "22 January 2024"
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | | 752.97 | 247.03 | 8.11 | 0.0 | 0.0 | 255.14 | 100.57 | 100.57 | 0.0 | 154.57 |
+ | 2 | 29 | 01 March 2024 | | 503.74 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 3 | 31 | 01 April 2024 | | 252.82 | 250.92 | 4.22 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 4 | 30 | 01 May 2024 | | 0.0 | 252.82 | 2.05 | 0.0 | 0.0 | 254.87 | 0.0 | 0.0 | 0.0 | 254.87 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.29 | 0.0 | 0.0 | 1020.29 | 100.57 | 100.57 | 0.0 | 919.72 |
+ 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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 22 January 2024 | Merchant Issued Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false |
+ | 22 January 2024 | Interest Refund | 0.57 | 0.57 | 0.0 | 0.0 | 0.0 | 899.43 | false | false |
+
+ @TestRailId:C3325
+ Scenario: Verify interest refund transaction after payout refund transactions is forbidden to be reversed
+ 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_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 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 sets the business date to "22 January 2024"
+ When Admin makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 100 EUR transaction amount
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | | 752.97 | 247.03 | 8.11 | 0.0 | 0.0 | 255.14 | 100.57 | 100.57 | 0.0 | 154.57 |
+ | 2 | 29 | 01 March 2024 | | 503.74 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 3 | 31 | 01 April 2024 | | 252.82 | 250.92 | 4.22 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 4 | 30 | 01 May 2024 | | 0.0 | 252.82 | 2.05 | 0.0 | 0.0 | 254.87 | 0.0 | 0.0 | 0.0 | 254.87 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.29 | 0.0 | 0.0 | 1020.29 | 100.57 | 100.57 | 0.0 | 919.72 |
+ 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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 22 January 2024 | Payout Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false |
+ | 22 January 2024 | Interest Refund | 0.57 | 0.57 | 0.0 | 0.0 | 0.0 | 899.43 | false | false |
+ When Customer is forbidden to undo "1"th "Interest Refund" transaction made on "22 January 2024"
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | | 752.97 | 247.03 | 8.11 | 0.0 | 0.0 | 255.14 | 100.57 | 100.57 | 0.0 | 154.57 |
+ | 2 | 29 | 01 March 2024 | | 503.74 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 3 | 31 | 01 April 2024 | | 252.82 | 250.92 | 4.22 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
+ | 4 | 30 | 01 May 2024 | | 0.0 | 252.82 | 2.05 | 0.0 | 0.0 | 254.87 | 0.0 | 0.0 | 0.0 | 254.87 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.29 | 0.0 | 0.0 | 1020.29 | 100.57 | 100.57 | 0.0 | 919.72 |
+ 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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 22 January 2024 | Payout Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false |
+ | 22 January 2024 | Interest Refund | 0.57 | 0.57 | 0.0 | 0.0 | 0.0 | 899.43 | false | false |
+
+ @TestRailId:C3300
+ Scenario: Early pay-off loan with interest, TILL_PRECLOSE product
+ 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_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" 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_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ 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 February 2024"
+ When Loan Pay-off is made on "15 February 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 | 15 February 2024 | 66.8 | 16.77 | 0.24 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
+ | 3 | 31 | 01 April 2024 | 15 February 2024 | 49.79 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
+ | 4 | 30 | 01 May 2024 | 15 February 2024 | 32.78 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
+ | 5 | 31 | 01 June 2024 | 15 February 2024 | 15.77 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
+ | 6 | 30 | 01 July 2024 | 15 February 2024 | 0.0 | 15.77 | 0.0 | 0.0 | 0.0 | 15.77 | 15.77 | 15.77 | 0.0 | 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 | 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 February 2024 | Repayment | 83.81 | 83.57 | 0.24 | 0.0 | 0.0 | 0.0 | false |
+ | 15 February 2024 | Accrual | 0.82 | 0.0 | 0.82 | 0.0 | 0.0 | 0.0 | false |
+ Then Loan's all installments have obligations met
+
+ @TestRailId:C3483
+ Scenario: Early pay-off loan with interest, TILL_REST_FREQUENCY_DATE product
+ 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_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE | 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 February 2024"
+ When Loan Pay-off is made on "15 February 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 | 15 February 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
+ | 3 | 31 | 01 April 2024 | 15 February 2024 | 50.04 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
+ | 4 | 30 | 01 May 2024 | 15 February 2024 | 33.03 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
+ | 5 | 31 | 01 June 2024 | 15 February 2024 | 16.02 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
+ | 6 | 30 | 01 July 2024 | 15 February 2024 | 0.0 | 16.02 | 0.0 | 0.0 | 0.0 | 16.02 | 16.02 | 16.02 | 0.0 | 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 | 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 February 2024 | Repayment | 84.06 | 83.57 | 0.49 | 0.0 | 0.0 | 0.0 | false |
+ | 15 February 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false |
+ Then Loan's all installments have obligations met
+
+ @TestRailId:C3484
+ Scenario: Interest recalculation - S1 daily for overdue loan
+ Given Global configuration "enable-business-date" is enabled
+ When Admin sets the business date to "1 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7.0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
+ When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
+ When Admin sets the business date to "15 July 2024"
+ When Admin runs inline COB job for Loan
+ Then Loan Repayment schedule has 6 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 2 | 29 | 01 March 2024 | | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 3 | 31 | 01 April 2024 | | 50.71 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 4 | 30 | 01 May 2024 | | 34.28 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 5 | 31 | 01 June 2024 | | 17.85 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 6 | 30 | 01 July 2024 | | 0.0 | 17.85 | 0.58 | 0.0 | 0.0 | 18.43 | 0.0 | 0.0 | 0.0 | 18.43 |
+
+ @TestRailId:C3485
+ Scenario: Interest recalculation - S2 2 overdue
+ Given Global configuration "enable-business-date" is enabled
+ When Admin sets the business date to "1 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7.0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
+ When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
+ When Admin sets the business date to "10 March 2024"
+ When Admin runs inline COB job for Loan
+ Then Loan Repayment schedule has 6 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 2 | 29 | 01 March 2024 | | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 3 | 31 | 01 April 2024 | | 50.58 | 16.56 | 0.45 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 4 | 30 | 01 May 2024 | | 33.87 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 5 | 31 | 01 June 2024 | | 17.06 | 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 | 17.06 | 0.1 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 |
+
+ @TestRailId:C3486
+ Scenario: Interest recalculation - S3 1 paid, 1 overdue
+ Given Global configuration "enable-business-date" is enabled
+ When Admin sets the business date to "1 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_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7.0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
+ When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
+ When Admin sets the business date to "1 February 2024"
+ And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
+ When Admin sets the business date to "10 March 2024"
+ When Admin runs inline COB job for Loan
+ Then Loan Repayment schedule has 6 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
+ | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 3 | 31 | 01 April 2024 | | 50.46 | 16.59 | 0.42 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 4 | 30 | 01 May 2024 | | 33.74 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 5 | 31 | 01 June 2024 | | 16.93 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 6 | 30 | 01 July 2024 | | 0.0 | 16.93 | 0.1 | 0.0 | 0.0 | 17.03 | 0.0 | 0.0 | 0.0 | 17.03 |
+
+ @TestRailId:C3487
+ Scenario: Loan Details Emi Amount Variations - AssociationsAll
+ Given Global configuration "is-interest-to-be-recovered-first-when-greater-than-emi" is enabled
+ Given Global configuration "enable-business-date" is enabled
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with emi and the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP1_INTEREST_DECLINING_BALANCE_SAR_RECALCULATION_SAME_AS_REPAYMENT_COMPOUNDING_NONE_MULTIDISB | 01 January 2023 | 10000 | 12 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
+ And Admin successfully approves the loan on "1 January 2023" with "100" amount and expected disbursement date on "1 January 2023"
+ And Admin successfully disburse the loan on "1 January 2023" with "100" EUR transaction amount and "50" fixed emi amount
+ Then Loan emi amount variations has 1 variation, with the following data:
+ | Term Type Id | Term Type Code | Term Type Value | Applicable From | Decimal Value | Date Value | Is Specific To Installment | Is Processed |
+ | 1 | loanTermType.emiAmount | emiAmount | 01 January 2023 | 50.0 | | false | |
+
+ @TestRailId:C3488
+ Scenario: Loan Details Loan Term Variations
+ Given Global configuration "is-interest-to-be-recovered-first-when-greater-than-emi" is enabled
+ Given Global configuration "enable-business-date" is enabled
+ When Admin sets the business date to "1 January 2023"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with emi and the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP1_INTEREST_DECLINING_BALANCE_SAR_RECALCULATION_SAME_AS_REPAYMENT_COMPOUNDING_NONE_MULTIDISB | 01 January 2023 | 10000 | 12 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
+ And Admin successfully approves the loan on "1 January 2023" with "100" amount and expected disbursement date on "1 January 2023"
+ And Admin successfully disburse the loan on "1 January 2023" with "100" EUR transaction amount, "50" EUR fixed emi amount and adjust repayment date on "15 January 2023"
+ Then Loan term variations has 2 variation, with the following data:
+ | Term Type Id | Term Type Code | Term Type Value | Applicable From | Decimal Value | Date Value | Is Specific To Installment | Is Processed |
+ | 1 | loanTermType.emiAmount | emiAmount | 01 January 2023 | 50.0 | | false | |
+ | 4 | loanTermType.dueDate | dueDate | 01 February 2023 | 50.0 | 15 January 2023 | false | |
+
+ @TestRailId:C3489
+ Scenario: EMI calculation with 360/30 Early repayment - Last installment strategy - UC1: Multiple early repayment
+ 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 | 7.0 | 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 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 |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+# --- Early repayment on 15 January 2024 ---
+ When Admin sets the business date to "15 January 2024"
+ And Customer makes "AUTOPAY" repayment on "15 January 2024" with 15.00 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 | | 83.53 | 16.47 | 0.54 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 2 | 29 | 01 March 2024 | | 66.92 | 16.61 | 0.4 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 3 | 31 | 01 April 2024 | | 50.21 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 4 | 30 | 01 May 2024 | | 33.41 | 16.8 | 0.21 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 5 | 31 | 01 June 2024 | | 16.51 | 16.9 | 0.11 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 6 | 30 | 01 July 2024 | | 0.0 | 16.51 | 0.01 | 0.0 | 0.0 | 16.52 | 15.0 | 15.0 | 0.0 | 1.52 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 100.0 | 1.57 | 0.0 | 0.0 | 101.57 | 15.0 | 15.0 | 0.0 | 86.57 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 15 January 2024 | Repayment | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 85.0 |
+ # --- Early repayment on 15 January 2024 ---
+ And Customer makes "AUTOPAY" repayment on "15 January 2024" with 1.50 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 | | 83.52 | 16.48 | 0.53 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 2 | 29 | 01 March 2024 | | 66.9 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 3 | 31 | 01 April 2024 | | 50.18 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 4 | 30 | 01 May 2024 | | 33.37 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
+ | 5 | 31 | 01 June 2024 | | 16.5 | 16.87 | 0.1 | 0.0 | 0.0 | 16.97 | 0.0 | 0.0 | 0.0 | 16.97 |
+ | 6 | 30 | 01 July 2024 | 15 January 2024 | 0.0 | 16.5 | 0.0 | 0.0 | 0.0 | 16.5 | 16.5 | 16.5 | 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 | 1.51 | 0.0 | 0.0 | 101.51 | 16.5 | 16.5 | 0.0 | 85.01 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 15 January 2024 | Repayment | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 85.0 |
+ | 15 January 2024 | Repayment | 1.5 | 1.5 | 0.0 | 0.0 | 0.0 | 83.5 |
+ # --- Pay-off on 15 January 2024 ---
+ And Customer makes "AUTOPAY" repayment on "15 January 2024" with 83.76 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 | 15 January 2024 | 84.54 | 15.46 | 0.26 | 0.0 | 0.0 | 15.72 | 15.72 | 15.72 | 0.0 | 0.0 |
+ | 2 | 29 | 01 March 2024 | 15 January 2024 | 67.53 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
+ | 3 | 31 | 01 April 2024 | 15 January 2024 | 50.52 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
+ | 4 | 30 | 01 May 2024 | 15 January 2024 | 33.51 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
+ | 5 | 31 | 01 June 2024 | 15 January 2024 | 16.5 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
+ | 6 | 30 | 01 July 2024 | 15 January 2024 | 0.0 | 16.5 | 0.0 | 0.0 | 0.0 | 16.5 | 16.5 | 16.5 | 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 | 0.26 | 0.0 | 0.0 | 100.26 | 100.26 | 100.26 | 0.0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 15 January 2024 | Repayment | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 85.0 |
+ | 15 January 2024 | Repayment | 1.5 | 1.5 | 0.0 | 0.0 | 0.0 | 83.5 |
+ | 15 January 2024 | Repayment | 83.76 | 83.5 | 0.26 | 0.0 | 0.0 | 0.0 |
+ | 15 January 2024 | Accrual | 0.26 | 0.0 | 0.26 | 0.0 | 0.0 | 0.0 |
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
diff --git a/fineract-e2e-tests-runner/src/test/resources/features/Loan-Part4.feature b/fineract-e2e-tests-runner/src/test/resources/features/Loan-Part4.feature
new file mode 100644
index 0000000000..92912ed29e
--- /dev/null
+++ b/fineract-e2e-tests-runner/src/test/resources/features/Loan-Part4.feature
@@ -0,0 +1,2845 @@
+@LoanFeature
+Feature: Loan - Part4
+
+ @TestRailId:C3424
+ Scenario: Verify that after maturity date with inline COB the outstanding interest is recognized on repayment schedule
+ When Admin sets the business date to "23 December 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_ACTUAL | 23 December 2024 | 100 | 4 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "23 December 2024" with "100" amount and expected disbursement date on "23 December 2024"
+ When Admin successfully disburse the loan on "23 December 2024" with "100" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 23 December 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 23 January 2025 | | 66.78 | 33.22 | 0.34 | 0.0 | 0.0 | 33.56 | 0.0 | 0.0 | 0.0 | 33.56 |
+ | 2 | 31 | 23 February 2025 | | 33.45 | 33.33 | 0.23 | 0.0 | 0.0 | 33.56 | 0.0 | 0.0 | 0.0 | 33.56 |
+ | 3 | 28 | 23 March 2025 | | 0.0 | 33.45 | 0.1 | 0.0 | 0.0 | 33.55 | 0.0 | 0.0 | 0.0 | 33.55 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 100.0 | 0.67 | 0.0 | 0.0 | 100.67 | 0.0 | 0.0 | 0.0 | 100.67 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 23 December 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ And Admin sets the business date to "23 March 2025"
+ When Admin runs inline COB job for Loan
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 23 December 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 23 January 2025 | | 66.78 | 33.22 | 0.34 | 0.0 | 0.0 | 33.56 | 0.0 | 0.0 | 0.0 | 33.56 |
+ | 2 | 31 | 23 February 2025 | | 33.45 | 33.33 | 0.23 | 0.0 | 0.0 | 33.56 | 0.0 | 0.0 | 0.0 | 33.56 |
+ | 3 | 28 | 23 March 2025 | | 0.0 | 33.45 | 0.1 | 0.0 | 0.0 | 33.55 | 0.0 | 0.0 | 0.0 | 33.55 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 100.0 | 0.67 | 0.0 | 0.0 | 100.67 | 0.0 | 0.0 | 0.0 | 100.67 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 23 December 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
+ | 22 March 2025 | Accrual | 0.67 | 0.0 | 0.67 | 0.0 | 0.0 | 0.0 |
+
+ @TestRailId:C3534 @AdvancedPaymentAllocation
+ Scenario: Verify advanced payment allocation - future installments: LAST_INSTALLMENT, full Merchant issued Refund on the disbursement date, 2nd disbursement on the same date
+ When Admin sets the business date to "11 March 2025"
+ And Admin creates a client with random data
+ When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL" loan product "MERCHANT_ISSUED_REFUND" transaction type to "LAST_INSTALLMENT" future installment allocation rule
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 11 March 2025 | 1000 | 26 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "11 March 2025" with "1000" amount and expected disbursement date on "11 March 2025"
+ And Admin successfully disburse the loan on "11 March 2025" with "200" EUR transaction amount
+ Then Loan Repayment schedule has 12 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 11 March 2025 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 11 April 2025 | | 185.3 | 14.7 | 4.42 | 0.0 | 0.0 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 |
+ | 2 | 30 | 11 May 2025 | | 170.14 | 15.16 | 3.96 | 0.0 | 0.0 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 |
+ | 3 | 31 | 11 June 2025 | | 154.78 | 15.36 | 3.76 | 0.0 | 0.0 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 |
+ | 4 | 30 | 11 July 2025 | | 138.97 | 15.81 | 3.31 | 0.0 | 0.0 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 |
+ | 5 | 31 | 11 August 2025 | | 122.92 | 16.05 | 3.07 | 0.0 | 0.0 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 |
+ | 6 | 31 | 11 September 2025 | | 106.51 | 16.41 | 2.71 | 0.0 | 0.0 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 |
+ | 7 | 30 | 11 October 2025 | | 89.67 | 16.84 | 2.28 | 0.0 | 0.0 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 |
+ | 8 | 31 | 11 November 2025 | | 72.53 | 17.14 | 1.98 | 0.0 | 0.0 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 |
+ | 9 | 30 | 11 December 2025 | | 54.96 | 17.57 | 1.55 | 0.0 | 0.0 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 |
+ | 10 | 31 | 11 January 2026 | | 37.05 | 17.91 | 1.21 | 0.0 | 0.0 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 |
+ | 11 | 31 | 11 February 2026 | | 18.75 | 18.3 | 0.82 | 0.0 | 0.0 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 |
+ | 12 | 28 | 11 March 2026 | | 0.0 | 18.75 | 0.37 | 0.0 | 0.0 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 200.0 | 29.44 | 0.0 | 0 | 229.44 | 0.0 | 0.0 | 0.0 | 229.44 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 11 March 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 |
+ When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "11 March 2025" with 200 EUR transaction amount and system-generated Idempotency key
+ Then Loan Repayment schedule has 12 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 11 March 2025 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 11 April 2025 | 11 March 2025 | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 30 | 11 May 2025 | 11 March 2025 | 191.2 | 8.8 | 0.0 | 0.0 | 0.0 | 8.8 | 8.8 | 8.8 | 0.0 | 0.0 |
+ | 3 | 31 | 11 June 2025 | 11 March 2025 | 172.08 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 | 19.12 | 19.12 | 0.0 | 0.0 |
+ | 4 | 30 | 11 July 2025 | 11 March 2025 | 152.96 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 | 19.12 | 19.12 | 0.0 | 0.0 |
+ | 5 | 31 | 11 August 2025 | 11 March 2025 | 133.84 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 | 19.12 | 19.12 | 0.0 | 0.0 |
+ | 6 | 31 | 11 September 2025 | 11 March 2025 | 114.72 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 | 19.12 | 19.12 | 0.0 | 0.0 |
+ | 7 | 30 | 11 October 2025 | 11 March 2025 | 95.6 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 | 19.12 | 19.12 | 0.0 | 0.0 |
+ | 8 | 31 | 11 November 2025 | 11 March 2025 | 76.48 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 | 19.12 | 19.12 | 0.0 | 0.0 |
+ | 9 | 30 | 11 December 2025 | 11 March 2025 | 57.36 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 | 19.12 | 19.12 | 0.0 | 0.0 |
+ | 10 | 31 | 11 January 2026 | 11 March 2025 | 38.24 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 | 19.12 | 19.12 | 0.0 | 0.0 |
+ | 11 | 31 | 11 February 2026 | 11 March 2025 | 19.12 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 | 19.12 | 19.12 | 0.0 | 0.0 |
+ | 12 | 28 | 11 March 2026 | 11 March 2025 | 0.0 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 | 19.12 | 19.12 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 200.0 | 0 | 0.0 | 0 | 200.0 | 200.0 | 200.0 | 0.0 | 0.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 11 March 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 |
+ | 11 March 2025 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ And Admin successfully disburse the loan on "11 March 2025" with "200" EUR transaction amount
+ Then Loan Repayment schedule has 12 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 11 March 2025 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 11 March 2025 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 11 April 2025 | | 366.18 | 33.82 | 4.42 | 0.0 | 0.0 | 38.24 | 0.0 | 0.0 | 0.0 | 38.24 |
+ | 2 | 30 | 11 May 2025 | | 331.49 | 34.69 | 3.55 | 0.0 | 0.0 | 38.24 | 8.8 | 8.8 | 0.0 | 29.44 |
+ | 3 | 31 | 11 June 2025 | | 296.35 | 35.14 | 3.1 | 0.0 | 0.0 | 38.24 | 19.12 | 19.12 | 0.0 | 19.12 |
+ | 4 | 30 | 11 July 2025 | | 260.77 | 35.58 | 2.66 | 0.0 | 0.0 | 38.24 | 19.12 | 19.12 | 0.0 | 19.12 |
+ | 5 | 31 | 11 August 2025 | | 224.91 | 35.86 | 2.38 | 0.0 | 0.0 | 38.24 | 19.12 | 19.12 | 0.0 | 19.12 |
+ | 6 | 31 | 11 September 2025 | | 188.68 | 36.23 | 2.01 | 0.0 | 0.0 | 38.24 | 19.12 | 19.12 | 0.0 | 19.12 |
+ | 7 | 30 | 11 October 2025 | | 152.02 | 36.66 | 1.58 | 0.0 | 0.0 | 38.24 | 19.12 | 19.12 | 0.0 | 19.12 |
+ | 8 | 31 | 11 November 2025 | | 115.03 | 36.99 | 1.25 | 0.0 | 0.0 | 38.24 | 19.12 | 19.12 | 0.0 | 19.12 |
+ | 9 | 30 | 11 December 2025 | | 77.61 | 37.42 | 0.82 | 0.0 | 0.0 | 38.24 | 19.12 | 19.12 | 0.0 | 19.12 |
+ | 10 | 31 | 11 January 2026 | | 39.82 | 37.79 | 0.45 | 0.0 | 0.0 | 38.24 | 19.12 | 19.12 | 0.0 | 19.12 |
+ | 11 | 31 | 11 February 2026 | | 19.12 | 20.7 | 0.03 | 0.0 | 0.0 | 20.73 | 19.12 | 19.12 | 0.0 | 1.61 |
+ | 12 | 28 | 11 March 2026 | 11 March 2025 | 0.0 | 19.12 | 0.0 | 0.0 | 0.0 | 19.12 | 19.12 | 19.12 | 0.0 | 0.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 400.0 | 22.25 | 0.0 | 0 | 422.25 | 200.0 | 200.0 | 0.0 | 222.25 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 11 March 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 |
+ | 11 March 2025 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 11 March 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 |
+ When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL" loan product "MERCHANT_ISSUED_REFUND" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+
+ @TestRailId:C3570
+ Scenario: Verify Loan is fully paid and closed after full Merchant issued refund 1 day after disbursement
+ When Admin sets the business date to "29 March 2025"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 28 March 2025 | 1383 | 12.23 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "28 March 2025" with "1383" amount and expected disbursement date on "28 March 2025"
+ When Admin successfully disburse the loan on "28 March 2025" with "1383" EUR transaction amount
+ Then Loan Repayment schedule has 24 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 28 March 2025 | | 1383.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 28 April 2025 | | 1331.85 | 51.15 | 14.1 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 2 | 30 | 28 May 2025 | | 1280.17 | 51.68 | 13.57 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 3 | 31 | 28 June 2025 | | 1227.97 | 52.2 | 13.05 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 4 | 30 | 28 July 2025 | | 1175.24 | 52.73 | 12.52 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 5 | 31 | 28 August 2025 | | 1121.97 | 53.27 | 11.98 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 6 | 31 | 28 September 2025 | | 1068.15 | 53.82 | 11.43 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 7 | 30 | 28 October 2025 | | 1013.79 | 54.36 | 10.89 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 8 | 31 | 28 November 2025 | | 958.87 | 54.92 | 10.33 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 9 | 30 | 28 December 2025 | | 903.39 | 55.48 | 9.77 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 10 | 31 | 28 January 2026 | | 847.35 | 56.04 | 9.21 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 11 | 31 | 28 February 2026 | | 790.74 | 56.61 | 8.64 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 12 | 28 | 28 March 2026 | | 733.55 | 57.19 | 8.06 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 13 | 31 | 28 April 2026 | | 675.78 | 57.77 | 7.48 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 14 | 30 | 28 May 2026 | | 617.42 | 58.36 | 6.89 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 15 | 31 | 28 June 2026 | | 558.46 | 58.96 | 6.29 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 16 | 30 | 28 July 2026 | | 498.9 | 59.56 | 5.69 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 17 | 31 | 28 August 2026 | | 438.73 | 60.17 | 5.08 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 18 | 31 | 28 September 2026 | | 377.95 | 60.78 | 4.47 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 19 | 30 | 28 October 2026 | | 316.55 | 61.4 | 3.85 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 20 | 31 | 28 November 2026 | | 254.53 | 62.02 | 3.23 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 21 | 30 | 28 December 2026 | | 191.87 | 62.66 | 2.59 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 22 | 31 | 28 January 2027 | | 128.58 | 63.29 | 1.96 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 23 | 31 | 28 February 2027 | | 64.64 | 63.94 | 1.31 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
+ | 24 | 28 | 28 March 2027 | | 0.0 | 64.64 | 0.66 | 0.0 | 0.0 | 65.3 | 0.0 | 0.0 | 0.0 | 65.3 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1383.0 | 183.05 | 0.0 | 0.0 | 1566.05 | 0.0 | 0.0 | 0.0 | 1566.05 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 28 March 2025 | Disbursement | 1383.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1383.0 | false | false |
+ And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "29 March 2025" with 1383 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 24 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 28 March 2025 | | 1383.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 28 April 2025 | 29 March 2025 | 1383.0 | 0.0 | 0.45 | 0.0 | 0.0 | 0.45 | 0.45 | 0.45 | 0.0 | 0.0 |
+ | 2 | 30 | 28 May 2025 | 29 March 2025 | 1383.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 31 | 28 June 2025 | 29 March 2025 | 1370.25 | 12.75 | 0.0 | 0.0 | 0.0 | 12.75 | 12.75 | 12.75 | 0.0 | 0.0 |
+ | 4 | 30 | 28 July 2025 | 29 March 2025 | 1305.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 5 | 31 | 28 August 2025 | 29 March 2025 | 1239.75 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 6 | 31 | 28 September 2025 | 29 March 2025 | 1174.5 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 7 | 30 | 28 October 2025 | 29 March 2025 | 1109.25 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 8 | 31 | 28 November 2025 | 29 March 2025 | 1044.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 9 | 30 | 28 December 2025 | 29 March 2025 | 978.75 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 10 | 31 | 28 January 2026 | 29 March 2025 | 913.5 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 11 | 31 | 28 February 2026 | 29 March 2025 | 848.25 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 12 | 28 | 28 March 2026 | 29 March 2025 | 783.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 13 | 31 | 28 April 2026 | 29 March 2025 | 717.75 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 14 | 30 | 28 May 2026 | 29 March 2025 | 652.5 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 15 | 31 | 28 June 2026 | 29 March 2025 | 587.25 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 16 | 30 | 28 July 2026 | 29 March 2025 | 522.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 17 | 31 | 28 August 2026 | 29 March 2025 | 456.75 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 18 | 31 | 28 September 2026 | 29 March 2025 | 391.5 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 19 | 30 | 28 October 2026 | 29 March 2025 | 326.25 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 20 | 31 | 28 November 2026 | 29 March 2025 | 261.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 21 | 30 | 28 December 2026 | 29 March 2025 | 195.75 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 21 | 30 | 28 December 2026 | 29 March 2025 | 195.75 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 22 | 31 | 28 January 2027 | 29 March 2025 | 130.5 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 23 | 31 | 28 February 2027 | 29 March 2025 | 65.25 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 0.0 | 0.0 |
+ | 24 | 28 | 28 March 2027 | 29 March 2025 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 | 65.25 | 65.25 | 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 |
+ | 1383.0 | 0.45 | 0.0 | 0.0 | 1383.45 | 1383.45 | 1383.45 | 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 |
+ | 28 March 2025 | Disbursement | 1383.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1383.0 | false | false |
+ | 29 March 2025 | Merchant Issued Refund | 1383.0 | 1383.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
+ | 29 March 2025 | Interest Refund | 0.45 | 0.0 | 0.45 | 0.0 | 0.0 | 0.0 | false | false |
+ | 29 March 2025 | Accrual Activity | 0.45 | 0.0 | 0.45 | 0.0 | 0.0 | 0.0 | false | false |
+ | 29 March 2025 | Accrual | 0.45 | 0.0 | 0.45 | 0.0 | 0.0 | 0.0 | false | false |
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding amount
+
+ @TestRailId:C3584
+ Scenario: Verify 2nd disbursement after loan was fully paid and closed (2 MIR, 1 CBR) - No interest, No interest recalculation
+ When Admin sets the business date to "14 March 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_DP_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 14 March 2024 | 1000.0 | 0.0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "14 March 2024" with "1000.0" amount and expected disbursement date on "14 March 2024"
+ When Admin successfully disburse the loan on "14 March 2024" with "487.58" 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 |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | | 243.79 | 121.89 | 0.0 | 0.0 | 0.0 | 121.89 | 0.0 | 0.0 | 0.0 | 121.89 |
+ | 3 | 15 | 13 April 2024 | | 121.9 | 121.89 | 0.0 | 0.0 | 0.0 | 121.89 | 0.0 | 0.0 | 0.0 | 121.89 |
+ | 4 | 15 | 28 April 2024 | | 0.0 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 487.58 | 0.0 | 0.0 | 0.0 | 487.58 | 121.9 | 0.0 | 0.0 | 365.68 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ When Admin sets the business date to "24 March 2024"
+ And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "24 March 2024" with 201.39 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | | 243.79 | 121.89 | 0.0 | 0.0 | 0.0 | 121.89 | 0.0 | 0.0 | 0.0 | 121.89 |
+ | 3 | 15 | 13 April 2024 | | 121.9 | 121.89 | 0.0 | 0.0 | 0.0 | 121.89 | 79.49 | 79.49 | 0.0 | 42.4 |
+ | 4 | 15 | 28 April 2024 | 24 March 2024 | 0.0 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 121.9 | 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 |
+ | 487.58 | 0.0 | 0.0 | 0.0 | 487.58 | 323.29 | 201.39 | 0.0 | 164.29 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 201.39 | 201.39 | 0.0 | 0.0 | 0.0 | 164.29 | false | false |
+ Then Loan status will be "ACTIVE"
+ Then Loan has 164.29 outstanding amount
+ And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "24 March 2024" with 286.19 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | 24 March 2024 | 243.79 | 121.89 | 0.0 | 0.0 | 0.0 | 121.89 | 121.89 | 121.89 | 0.0 | 0.0 |
+ | 3 | 15 | 13 April 2024 | 24 March 2024 | 121.9 | 121.89 | 0.0 | 0.0 | 0.0 | 121.89 | 121.89 | 121.89 | 0.0 | 0.0 |
+ | 4 | 15 | 28 April 2024 | 24 March 2024 | 0.0 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 121.9 | 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 |
+ | 487.58 | 0.0 | 0.0 | 0.0 | 487.58 | 487.58 | 365.68 | 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 |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 201.39 | 201.39 | 0.0 | 0.0 | 0.0 | 164.29 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 286.19 | 164.29 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
+ Then Loan status will be "OVERPAID"
+ Then Loan has 121.9 overpaid amount
+ When Admin sets the business date to "25 March 2024"
+ When Admin makes Credit Balance Refund transaction on "25 March 2024" with 121.9 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 |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | 24 March 2024 | 243.79 | 121.89 | 0.0 | 0.0 | 0.0 | 121.89 | 121.89 | 121.89 | 0.0 | 0.0 |
+ | 3 | 15 | 13 April 2024 | 24 March 2024 | 121.9 | 121.89 | 0.0 | 0.0 | 0.0 | 121.89 | 121.89 | 121.89 | 0.0 | 0.0 |
+ | 4 | 15 | 28 April 2024 | 24 March 2024 | 0.0 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 121.9 | 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 |
+ | 487.58 | 0.0 | 0.0 | 0.0 | 487.58 | 487.58 | 365.68 | 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 |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 201.39 | 201.39 | 0.0 | 0.0 | 0.0 | 164.29 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 286.19 | 164.29 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
+ | 25 March 2024 | Credit Balance Refund | 121.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding amount
+ When Admin sets the business date to "01 April 2024"
+ When Admin successfully disburse the loan on "01 April 2024" with "312.69" 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 |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | 24 March 2024 | 243.79 | 121.89 | 0.0 | 0.0 | 0.0 | 121.89 | 121.89 | 121.89 | 0.0 | 0.0 |
+ | | | 01 April 2024 | | 312.69 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 01 April 2024 | 01 April 2024 | 478.31 | 78.17 | 0.0 | 0.0 | 0.0 | 78.17 | 78.17 | 0.0 | 0.0 | 0.0 |
+ | 4 | 15 | 13 April 2024 | | 239.15 | 239.16 | 0.0 | 0.0 | 0.0 | 239.16 | 121.89 | 121.89 | 0.0 | 117.27 |
+ | 5 | 15 | 28 April 2024 | | 0.0 | 239.15 | 0.0 | 0.0 | 0.0 | 239.15 | 121.9 | 121.9 | 0.0 | 117.25 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 800.27 | 0.0 | 0.0 | 0.0 | 800.27 | 565.75 | 365.68 | 0.0 | 234.52 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 201.39 | 201.39 | 0.0 | 0.0 | 0.0 | 164.29 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 286.19 | 164.29 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
+ | 25 March 2024 | Credit Balance Refund | 121.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
+ | 01 April 2024 | Disbursement | 312.69 | 0.0 | 0.0 | 0.0 | 0.0 | 312.69 | false | false |
+ | 01 April 2024 | Down Payment | 78.17 | 78.17 | 0.0 | 0.0 | 0.0 | 234.52 | false | false |
+ Then Loan status will be "ACTIVE"
+ Then Loan has 234.52 outstanding amount
+ When Admin sets the business date to "10 April 2024"
+ When Loan Pay-off is made on "10 April 2024"
+ 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 |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | 24 March 2024 | 243.79 | 121.89 | 0.0 | 0.0 | 0.0 | 121.89 | 121.89 | 121.89 | 0.0 | 0.0 |
+ | | | 01 April 2024 | | 312.69 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 01 April 2024 | 01 April 2024 | 478.31 | 78.17 | 0.0 | 0.0 | 0.0 | 78.17 | 78.17 | 0.0 | 0.0 | 0.0 |
+ | 4 | 15 | 13 April 2024 | 10 April 2024 | 239.15 | 239.16 | 0.0 | 0.0 | 0.0 | 239.16 | 239.16 | 239.16 | 0.0 | 0.0 |
+ | 5 | 15 | 28 April 2024 | 10 April 2024 | 0.0 | 239.15 | 0.0 | 0.0 | 0.0 | 239.15 | 239.15 | 239.15 | 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 |
+ | 800.27 | 0.0 | 0.0 | 0.0 | 800.27 | 800.27 | 600.2 | 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 |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 201.39 | 201.39 | 0.0 | 0.0 | 0.0 | 164.29 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 286.19 | 164.29 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
+ | 25 March 2024 | Credit Balance Refund | 121.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
+ | 01 April 2024 | Disbursement | 312.69 | 0.0 | 0.0 | 0.0 | 0.0 | 312.69 | false | false |
+ | 01 April 2024 | Down Payment | 78.17 | 78.17 | 0.0 | 0.0 | 0.0 | 234.52 | false | false |
+ | 10 April 2024 | Repayment | 234.52 | 234.52 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding amount
+
+ @TestRailId:C3585
+ Scenario: Verify 2nd disbursement after loan was fully paid and closed (2 MIR, 1 CBR) - 10% interest, No interest recalculation
+ When Admin sets the business date to "14 March 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_DP_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 14 March 2024 | 1000.0 | 10.0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "14 March 2024" with "1000.0" amount and expected disbursement date on "14 March 2024"
+ When Admin successfully disburse the loan on "14 March 2024" with "487.58" 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 |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | | 244.29 | 121.39 | 1.5 | 0.0 | 0.0 | 122.89 | 0.0 | 0.0 | 0.0 | 122.89 |
+ | 3 | 15 | 13 April 2024 | | 122.4 | 121.89 | 1.0 | 0.0 | 0.0 | 122.89 | 0.0 | 0.0 | 0.0 | 122.89 |
+ | 4 | 15 | 28 April 2024 | | 0.0 | 122.4 | 0.5 | 0.0 | 0.0 | 122.9 | 0.0 | 0.0 | 0.0 | 122.9 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 487.58 | 3.0 | 0.0 | 0.0 | 490.58 | 121.9 | 0.0 | 0.0 | 368.68 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ When Admin sets the business date to "24 March 2024"
+ And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "24 March 2024" with 201.39 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | | 244.29 | 121.39 | 1.5 | 0.0 | 0.0 | 122.89 | 0.0 | 0.0 | 0.0 | 122.89 |
+ | 3 | 15 | 13 April 2024 | | 122.4 | 121.89 | 1.0 | 0.0 | 0.0 | 122.89 | 78.49 | 78.49 | 0.0 | 44.4 |
+ | 4 | 15 | 28 April 2024 | 24 March 2024 | 0.0 | 122.4 | 0.5 | 0.0 | 0.0 | 122.9 | 122.9 | 122.9 | 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 |
+ | 487.58 | 3.0 | 0.0 | 0.0 | 490.58 | 323.29 | 201.39 | 0.0 | 167.29 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 201.39 | 199.89 | 1.5 | 0.0 | 0.0 | 165.79 | false | false |
+ Then Loan status will be "ACTIVE"
+ Then Loan has 167.29 outstanding amount
+ And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "24 March 2024" with 286.19 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | 24 March 2024 | 244.29 | 121.39 | 1.5 | 0.0 | 0.0 | 122.89 | 122.89 | 122.89 | 0.0 | 0.0 |
+ | 3 | 15 | 13 April 2024 | 24 March 2024 | 122.4 | 121.89 | 1.0 | 0.0 | 0.0 | 122.89 | 122.89 | 122.89 | 0.0 | 0.0 |
+ | 4 | 15 | 28 April 2024 | 24 March 2024 | 0.0 | 122.4 | 0.5 | 0.0 | 0.0 | 122.9 | 122.9 | 122.9 | 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 |
+ | 487.58 | 3.0 | 0.0 | 0.0 | 490.58 | 490.58 | 368.68 | 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 |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 201.39 | 199.89 | 1.5 | 0.0 | 0.0 | 165.79 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 286.19 | 165.79 | 1.5 | 0.0 | 0.0 | 0.0 | false | false |
+ | 24 March 2024 | Accrual | 3.0 | 0.0 | 3.0 | 0.0 | 0.0 | 0.0 | false | false |
+ Then Loan status will be "OVERPAID"
+ Then Loan has 118.9 overpaid amount
+ When Admin sets the business date to "25 March 2024"
+ When Admin makes Credit Balance Refund transaction on "25 March 2024" with 118 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 |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | 24 March 2024 | 244.29 | 121.39 | 1.5 | 0.0 | 0.0 | 122.89 | 122.89 | 122.89 | 0.0 | 0.0 |
+ | 3 | 15 | 13 April 2024 | 24 March 2024 | 122.4 | 121.89 | 1.0 | 0.0 | 0.0 | 122.89 | 122.89 | 122.89 | 0.0 | 0.0 |
+ | 4 | 15 | 28 April 2024 | 24 March 2024 | 0.0 | 122.4 | 0.5 | 0.0 | 0.0 | 122.9 | 122.9 | 122.9 | 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 |
+ | 487.58 | 3.0 | 0.0 | 0.0 | 490.58 | 490.58 | 368.68 | 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 |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 201.39 | 199.89 | 1.5 | 0.0 | 0.0 | 165.79 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 286.19 | 165.79 | 1.5 | 0.0 | 0.0 | 0.0 | false | false |
+ | 24 March 2024 | Accrual | 3.0 | 0.0 | 3.0 | 0.0 | 0.0 | 0.0 | false | false |
+ | 25 March 2024 | Credit Balance Refund | 118.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
+ Then Loan status will be "OVERPAID"
+ Then Loan has 0.9 overpaid amount
+ When Admin sets the business date to "01 April 2024"
+ When Admin successfully disburse the loan on "01 April 2024" with "312.69" 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 |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | 24 March 2024 | 244.29 | 121.39 | 1.5 | 0.0 | 0.0 | 122.89 | 122.89 | 122.89 | 0.0 | 0.0 |
+ | | | 01 April 2024 | | 312.69 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 01 April 2024 | 01 April 2024 | 478.81 | 78.17 | 0.0 | 0.0 | 0.0 | 78.17 | 78.17 | 0.0 | 0.0 | 0.0 |
+ | 4 | 15 | 13 April 2024 | | 239.8 | 239.01 | 1.77 | 0.0 | 0.0 | 240.78 | 122.89 | 122.89 | 0.0 | 117.89 |
+ | 5 | 15 | 28 April 2024 | | 0.0 | 239.8 | 0.98 | 0.0 | 0.0 | 240.78 | 122.9 | 122.9 | 0.0 | 117.88 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 800.27 | 4.25 | 0.0 | 0.0 | 804.52 | 568.75 | 368.68 | 0.0 | 235.77 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 201.39 | 199.89 | 1.5 | 0.0 | 0.0 | 165.79 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 286.19 | 165.79 | 1.5 | 0.0 | 0.0 | 0.0 | false | false |
+ | 24 March 2024 | Accrual | 3.0 | 0.0 | 3.0 | 0.0 | 0.0 | 0.0 | false | false |
+ | 25 March 2024 | Credit Balance Refund | 118.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
+ | 01 April 2024 | Disbursement | 312.69 | 0.0 | 0.0 | 0.0 | 0.0 | 311.79 | false | false |
+ | 01 April 2024 | Down Payment | 77.27 | 77.27 | 0.0 | 0.0 | 0.0 | 234.52 | false | false |
+ Then Loan status will be "ACTIVE"
+ Then Loan has 235.77 outstanding amount
+ When Admin sets the business date to "10 April 2024"
+ When Loan Pay-off is made on "10 April 2024"
+ 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 |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | 24 March 2024 | 244.29 | 121.39 | 1.5 | 0.0 | 0.0 | 122.89 | 122.89 | 122.89 | 0.0 | 0.0 |
+ | | | 01 April 2024 | | 312.69 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 01 April 2024 | 01 April 2024 | 478.81 | 78.17 | 0.0 | 0.0 | 0.0 | 78.17 | 78.17 | 0.0 | 0.0 | 0.0 |
+ | 4 | 15 | 13 April 2024 | 10 April 2024 | 239.8 | 239.01 | 1.77 | 0.0 | 0.0 | 240.78 | 240.78 | 240.78 | 0.0 | 0.0 |
+ | 5 | 15 | 28 April 2024 | 10 April 2024 | 0.0 | 239.8 | 0.98 | 0.0 | 0.0 | 240.78 | 240.78 | 240.78 | 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 |
+ | 800.27 | 4.25 | 0.0 | 0.0 | 804.52 | 804.52 | 604.45 | 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 |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 201.39 | 199.89 | 1.5 | 0.0 | 0.0 | 165.79 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 286.19 | 165.79 | 1.5 | 0.0 | 0.0 | 0.0 | false | false |
+ | 24 March 2024 | Accrual | 3.0 | 0.0 | 3.0 | 0.0 | 0.0 | 0.0 | false | false |
+ | 25 March 2024 | Credit Balance Refund | 118.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
+ | 01 April 2024 | Disbursement | 312.69 | 0.0 | 0.0 | 0.0 | 0.0 | 311.79 | false | false |
+ | 01 April 2024 | Down Payment | 77.27 | 77.27 | 0.0 | 0.0 | 0.0 | 234.52 | false | false |
+ | 10 April 2024 | Repayment | 235.77 | 234.52 | 1.25 | 0.0 | 0.0 | 0.0 | false | false |
+ | 10 April 2024 | Accrual | 1.25 | 0.0 | 1.25 | 0.0 | 0.0 | 0.0 | false | false |
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding amount
+
+ @TestRailId:C3586
+ Scenario: Verify 2nd disbursement after loan was fully paid and closed (2 MIR, 1 CBR) - 33.33% interest with interest recalculation
+ When Admin sets the business date to "14 March 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_DP_IR_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 14 March 2024 | 1000.0 | 33.33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "14 March 2024" with "1000.0" amount and expected disbursement date on "14 March 2024"
+ When Admin successfully disburse the loan on "14 March 2024" with "487.58" 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 |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | | 245.46 | 120.22 | 5.08 | 0.0 | 0.0 | 125.3 | 0.0 | 0.0 | 0.0 | 125.3 |
+ | 3 | 15 | 13 April 2024 | | 123.57 | 121.89 | 3.41 | 0.0 | 0.0 | 125.3 | 0.0 | 0.0 | 0.0 | 125.3 |
+ | 4 | 15 | 28 April 2024 | | 0.0 | 123.57 | 1.72 | 0.0 | 0.0 | 125.29 | 0.0 | 0.0 | 0.0 | 125.29 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 487.58 | 10.21 | 0.0 | 0.0 | 497.79 | 121.9 | 0.0 | 0.0 | 375.89 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ When Admin sets the business date to "24 March 2024"
+ And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "24 March 2024" with 201.39 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | | 244.53 | 121.15 | 4.15 | 0.0 | 0.0 | 125.3 | 0.0 | 0.0 | 0.0 | 125.3 |
+ | 3 | 15 | 13 April 2024 | | 125.29 | 119.24 | 0.6 | 0.0 | 0.0 | 119.84 | 76.1 | 76.1 | 0.0 | 43.74 |
+ | 4 | 15 | 28 April 2024 | 24 March 2024 | 0.0 | 125.29 | 0.0 | 0.0 | 0.0 | 125.29 | 125.29 | 125.29 | 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 |
+ | 487.58 | 4.75 | 0.0 | 0.0 | 492.33 | 323.29 | 201.39 | 0.0 | 169.04 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 201.39 | 201.39 | 0.0 | 0.0 | 0.0 | 164.29 | false | false |
+ Then Loan status will be "ACTIVE"
+ Then Loan has 169.04 outstanding amount
+ And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "24 March 2024" with 286.19 EUR transaction amount and self-generated Idempotency key
+ Then Loan Repayment schedule has 4 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | 24 March 2024 | 250.59 | 115.09 | 3.39 | 0.0 | 0.0 | 118.48 | 118.48 | 118.48 | 0.0 | 0.0 |
+ | 3 | 15 | 13 April 2024 | 24 March 2024 | 125.29 | 125.3 | 0.0 | 0.0 | 0.0 | 125.3 | 125.3 | 125.3 | 0.0 | 0.0 |
+ | 4 | 15 | 28 April 2024 | 24 March 2024 | 0.0 | 125.29 | 0.0 | 0.0 | 0.0 | 125.29 | 125.29 | 125.29 | 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 |
+ | 487.58 | 3.39 | 0.0 | 0.0 | 490.97 | 490.97 | 369.07 | 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 |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 201.39 | 201.39 | 0.0 | 0.0 | 0.0 | 164.29 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 286.19 | 164.29 | 3.39 | 0.0 | 0.0 | 0.0 | false | false |
+ | 24 March 2024 | Accrual | 3.39 | 0.0 | 3.39 | 0.0 | 0.0 | 0.0 | false | false |
+ Then Loan status will be "OVERPAID"
+ Then Loan has 118.51 overpaid amount
+ When Admin makes Credit Balance Refund transaction on "24 March 2024" with 11.9 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 |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | 24 March 2024 | 250.59 | 115.09 | 3.39 | 0.0 | 0.0 | 118.48 | 118.48 | 118.48 | 0.0 | 0.0 |
+ | 3 | 15 | 13 April 2024 | 24 March 2024 | 125.29 | 125.3 | 0.0 | 0.0 | 0.0 | 125.3 | 125.3 | 125.3 | 0.0 | 0.0 |
+ | 4 | 15 | 28 April 2024 | 24 March 2024 | 0.0 | 125.29 | 0.0 | 0.0 | 0.0 | 125.29 | 125.29 | 125.29 | 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 |
+ | 487.58 | 3.39 | 0.0 | 0.0 | 490.97 | 490.97 | 369.07 | 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 |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 201.39 | 201.39 | 0.0 | 0.0 | 0.0 | 164.29 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 286.19 | 164.29 | 3.39 | 0.0 | 0.0 | 0.0 | false | false |
+ | 24 March 2024 | Accrual | 3.39 | 0.0 | 3.39 | 0.0 | 0.0 | 0.0 | false | false |
+ | 24 March 2024 | Credit Balance Refund | 11.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
+ Then Loan status will be "OVERPAID"
+ Then Loan has 106.61 overpaid amount
+ When Admin sets the business date to "01 April 2024"
+ When Admin successfully disburse the loan on "01 April 2024" with "312.69" 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 |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | 24 March 2024 | 250.59 | 115.09 | 3.39 | 0.0 | 0.0 | 118.48 | 118.48 | 118.48 | 0.0 | 0.0 |
+ | | | 01 April 2024 | | 312.69 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 01 April 2024 | 01 April 2024 | 485.11 | 78.17 | 0.0 | 0.0 | 0.0 | 78.17 | 78.17 | 0.0 | 0.0 | 0.0 |
+ | 4 | 15 | 13 April 2024 | | 239.25 | 245.86 | 2.29 | 0.0 | 0.0 | 248.15 | 139.52 | 139.52 | 0.0 | 108.63 |
+ | 5 | 15 | 28 April 2024 | | 0.0 | 239.25 | 1.39 | 0.0 | 0.0 | 240.64 | 139.51 | 139.51 | 0.0 | 101.13 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 800.27 | 7.07 | 0.0 | 0.0 | 807.34 | 597.58 | 397.51 | 0.0 | 209.76 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 201.39 | 201.39 | 0.0 | 0.0 | 0.0 | 164.29 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 286.19 | 164.29 | 3.39 | 0.0 | 0.0 | 0.0 | false | false |
+ | 24 March 2024 | Accrual | 3.39 | 0.0 | 3.39 | 0.0 | 0.0 | 0.0 | false | false |
+ | 24 March 2024 | Credit Balance Refund | 11.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
+ | 01 April 2024 | Disbursement | 312.69 | 0.0 | 0.0 | 0.0 | 0.0 | 206.08 | false | false |
+ Then Loan status will be "ACTIVE"
+ Then Loan has 209.76 outstanding amount
+ When Admin sets the business date to "10 April 2024"
+ When Loan Pay-off is made on "10 April 2024"
+ 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 |
+ | | | 14 March 2024 | | 487.58 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 14 March 2024 | 14 March 2024 | 365.68 | 121.9 | 0.0 | 0.0 | 0.0 | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 |
+ | 2 | 15 | 29 March 2024 | 24 March 2024 | 250.59 | 115.09 | 3.39 | 0.0 | 0.0 | 118.48 | 118.48 | 118.48 | 0.0 | 0.0 |
+ | | | 01 April 2024 | | 312.69 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 0 | 01 April 2024 | 01 April 2024 | 485.11 | 78.17 | 0.0 | 0.0 | 0.0 | 78.17 | 78.17 | 0.0 | 0.0 | 0.0 |
+ | 4 | 15 | 13 April 2024 | 10 April 2024 | 241.69 | 243.42 | 1.72 | 0.0 | 0.0 | 245.14 | 245.14 | 245.14 | 0.0 | 0.0 |
+ | 5 | 15 | 28 April 2024 | 10 April 2024 | 0.0 | 241.69 | 0.0 | 0.0 | 0.0 | 241.69 | 241.69 | 241.69 | 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 |
+ | 800.27 | 5.11 | 0.0 | 0.0 | 805.38 | 805.38 | 605.31 | 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 |
+ | 14 March 2024 | Disbursement | 487.58 | 0.0 | 0.0 | 0.0 | 0.0 | 487.58 | false | false |
+ | 14 March 2024 | Down Payment | 121.9 | 121.9 | 0.0 | 0.0 | 0.0 | 365.68 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 201.39 | 201.39 | 0.0 | 0.0 | 0.0 | 164.29 | false | false |
+ | 24 March 2024 | Merchant Issued Refund | 286.19 | 164.29 | 3.39 | 0.0 | 0.0 | 0.0 | false | false |
+ | 24 March 2024 | Accrual | 3.39 | 0.0 | 3.39 | 0.0 | 0.0 | 0.0 | false | false |
+ | 24 March 2024 | Credit Balance Refund | 11.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
+ | 01 April 2024 | Disbursement | 312.69 | 0.0 | 0.0 | 0.0 | 0.0 | 206.08 | false | false |
+ | 10 April 2024 | Repayment | 207.8 | 206.08 | 1.72 | 0.0 | 0.0 | 0.0 | false | false |
+ | 10 April 2024 | Accrual | 1.72 | 0.0 | 1.72 | 0.0 | 0.0 | 0.0 | false | false |
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ Then Loan has 0 outstanding amount
+
+ @TestRailId:C3700
+ Scenario: Verify repayment schedule and accrual transactions created after penalty is added for paid off loan on maturity date - UC1
+ When Admin sets the business date to "08 May 2024"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_ACCRUAL_ACTIVITY | 08 May 2024 | 1000 | 12.19 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "08 May 2024" with "1000" amount and expected disbursement date on "08 May 2024"
+ When Admin successfully disburse the loan on "08 May 2024" with "1000" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 08 May 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 08 June 2024 | | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 0.0 | 0.0 | 0.0 | 340.13 |
+ | 2 | 30 | 08 July 2024 | | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 0.0 | 0.0 | 0.0 | 340.13 |
+ | 3 | 31 | 08 August 2024 | | 0.0 | 336.71 | 3.42 | 0.0 | 0.0 | 340.13 | 0.0 | 0.0 | 0.0 | 340.13 |
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.39 | 0.0 | 0.0 | 1020.39 | 0.0 | 0.0 | 0.0 | 1020.39 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 08 May 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ When Admin sets the business date to "08 June 2024"
+ And Customer makes "AUTOPAY" repayment on "08 June 2024" with 340.13 EUR transaction amount
+ When Admin sets the business date to "08 July 2024"
+ And Customer makes "AUTOPAY" repayment on "08 July 2024" with 340.13 EUR transaction amount
+ When Admin sets the business date to "08 August 2024"
+ And Admin runs inline COB job for Loan
+ And Customer makes "AUTOPAY" repayment on "08 August 2024" with 340.13 EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 08 May 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 08 June 2024 | 08 June 2024 | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 2 | 30 | 08 July 2024 | 08 July 2024 | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 3 | 31 | 08 August 2024 | 08 August 2024 | 0.0 | 336.71 | 3.42 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.39 | 0.0 | 0.0 | 1020.39 | 1020.39 | 0.0 | 0.0 | 0.0 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 08 May 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 08 June 2024 | Repayment | 340.13 | 329.97 | 10.16 | 0.0 | 0.0 | 670.03 | false | false |
+ | 08 June 2024 | Accrual Activity | 10.16 | 0.0 | 10.16 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 July 2024 | Repayment | 340.13 | 333.32 | 6.81 | 0.0 | 0.0 | 336.71 | false | false |
+ | 08 July 2024 | Accrual Activity | 6.81 | 0.0 | 6.81 | 0.0 | 0.0 | 0.0 | false | false |
+ | 07 August 2024 | Accrual | 20.28 | 0.0 | 20.28 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2024 | Repayment | 340.13 | 336.71 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2024 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2024 | Accrual Activity | 3.42 | 0.0 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
+# --- add penalty for paid off loan on maturity date ---#
+ When Admin adds "LOAN_NSF_FEE" due date charge with "08 August 2024" due date and 2.8 EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 08 May 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 08 June 2024 | 08 June 2024 | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 2 | 30 | 08 July 2024 | 08 July 2024 | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 3 | 31 | 08 August 2024 | | 0.0 | 336.71 | 3.42 | 0.0 | 2.8 | 342.93 | 340.13 | 0.0 | 0.0 | 2.8 |
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.39 | 0.0 | 2.8 | 1023.19 | 1020.39 | 0.0 | 0.0 | 2.8 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 08 May 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 08 June 2024 | Repayment | 340.13 | 329.97 | 10.16 | 0.0 | 0.0 | 670.03 | false | false |
+ | 08 June 2024 | Accrual Activity | 10.16 | 0.0 | 10.16 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 July 2024 | Repayment | 340.13 | 333.32 | 6.81 | 0.0 | 0.0 | 336.71 | false | false |
+ | 08 July 2024 | Accrual Activity | 6.81 | 0.0 | 6.81 | 0.0 | 0.0 | 0.0 | false | false |
+ | 07 August 2024 | Accrual | 20.28 | 0.0 | 20.28 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2024 | Repayment | 340.13 | 336.71 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2024 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
+ When Admin sets the business date to "09 August 2024"
+ And Admin runs inline COB job for Loan
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 08 May 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 08 June 2024 | 08 June 2024 | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 2 | 30 | 08 July 2024 | 08 July 2024 | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 3 | 31 | 08 August 2024 | | 0.0 | 336.71 | 3.42 | 0.0 | 2.8 | 342.93 | 340.13 | 0.0 | 0.0 | 2.8 |
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.39 | 0.0 | 2.8 | 1023.19 | 1020.39 | 0.0 | 0.0 | 2.8 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 08 May 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 08 June 2024 | Repayment | 340.13 | 329.97 | 10.16 | 0.0 | 0.0 | 670.03 | false | false |
+ | 08 June 2024 | Accrual Activity | 10.16 | 0.0 | 10.16 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 July 2024 | Repayment | 340.13 | 333.32 | 6.81 | 0.0 | 0.0 | 336.71 | false | false |
+ | 08 July 2024 | Accrual Activity | 6.81 | 0.0 | 6.81 | 0.0 | 0.0 | 0.0 | false | false |
+ | 07 August 2024 | Accrual | 20.28 | 0.0 | 20.28 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2024 | Repayment | 340.13 | 336.71 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2024 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2024 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
+ | 08 August 2024 | Accrual Activity | 6.22 | 0.0 | 3.42 | 0.0 | 2.8 | 0.0 | false | false |
+ When Admin sets the business date to "15 August 2024"
+ And Admin runs inline COB job for Loan
+ And Customer makes "AUTOPAY" repayment on "15 August 2024" with 2.8 EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 08 May 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 08 June 2024 | 08 June 2024 | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 2 | 30 | 08 July 2024 | 08 July 2024 | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 3 | 31 | 08 August 2024 | 15 August 2024 | 0.0 | 336.71 | 3.42 | 0.0 | 2.8 | 342.93 | 342.93 | 0.0 | 2.8 | 0.0 |
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.39 | 0.0 | 2.8 | 1023.19 | 1023.19 | 0.0 | 2.8 | 0.0 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 08 May 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 08 June 2024 | Repayment | 340.13 | 329.97 | 10.16 | 0.0 | 0.0 | 670.03 | false | false |
+ | 08 June 2024 | Accrual Activity | 10.16 | 0.0 | 10.16 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 July 2024 | Repayment | 340.13 | 333.32 | 6.81 | 0.0 | 0.0 | 336.71 | false | false |
+ | 08 July 2024 | Accrual Activity | 6.81 | 0.0 | 6.81 | 0.0 | 0.0 | 0.0 | false | false |
+ | 07 August 2024 | Accrual | 20.28 | 0.0 | 20.28 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2024 | Repayment | 340.13 | 336.71 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2024 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2024 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
+ | 08 August 2024 | Accrual Activity | 6.22 | 0.0 | 3.42 | 0.0 | 2.8 | 0.0 | false | false |
+ | 15 August 2024 | Repayment | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
+ When Admin sets the business date to "16 August 2024"
+ And Admin runs inline COB job for Loan
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 08 May 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 08 June 2024 | 08 June 2024 | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 2 | 30 | 08 July 2024 | 08 July 2024 | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 3 | 31 | 08 August 2024 | 15 August 2024 | 0.0 | 336.71 | 3.42 | 0.0 | 2.8 | 342.93 | 342.93 | 0.0 | 2.8 | 0.0 |
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.39 | 0.0 | 2.8 | 1023.19 | 1023.19 | 0.0 | 2.8 | 0.0 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 08 May 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 08 June 2024 | Repayment | 340.13 | 329.97 | 10.16 | 0.0 | 0.0 | 670.03 | false | false |
+ | 08 June 2024 | Accrual Activity | 10.16 | 0.0 | 10.16 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 July 2024 | Repayment | 340.13 | 333.32 | 6.81 | 0.0 | 0.0 | 336.71 | false | false |
+ | 08 July 2024 | Accrual Activity | 6.81 | 0.0 | 6.81 | 0.0 | 0.0 | 0.0 | false | false |
+ | 07 August 2024 | Accrual | 20.28 | 0.0 | 20.28 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2024 | Repayment | 340.13 | 336.71 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2024 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2024 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
+ | 08 August 2024 | Accrual Activity | 6.22 | 0.0 | 3.42 | 0.0 | 2.8 | 0.0 | false | false |
+ | 15 August 2024 | Repayment | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
+
+ @TestRailId:C3701
+ Scenario: Verify repayment schedule and accrual transactions created after penalty is added for paid off loan with accrual activity on maturity date - UC2
+ When Admin sets the business date to "08 May 2025"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_ADV_PYMNT_360_30_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF_ACCRUAL_ACTIVITY | 08 May 2025 | 1000 | 12.19 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "08 May 2025" with "1000" amount and expected disbursement date on "08 May 2025"
+ When Admin successfully disburse the loan on "08 May 2025" with "1000" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 08 May 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 08 June 2025 | | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 0.0 | 0.0 | 0.0 | 340.13 |
+ | 2 | 30 | 08 July 2025 | | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 0.0 | 0.0 | 0.0 | 340.13 |
+ | 3 | 31 | 08 August 2025 | | 0.0 | 336.71 | 3.42 | 0.0 | 0.0 | 340.13 | 0.0 | 0.0 | 0.0 | 340.13 |
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.39 | 0.0 | 0.0 | 1020.39 | 0.0 | 0.0 | 0.0 | 1020.39 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 08 May 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ When Admin sets the business date to "08 June 2025"
+ And Customer makes "AUTOPAY" repayment on "08 June 2025" with 340.13 EUR transaction amount
+ When Admin sets the business date to "08 July 2025"
+ And Customer makes "AUTOPAY" repayment on "08 July 2025" with 340.13 EUR transaction amount
+ When Admin sets the business date to "08 August 2025"
+ And Admin runs inline COB job for Loan
+ And Customer makes "AUTOPAY" repayment on "08 August 2025" with 340.13 EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 08 May 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 08 June 2025 | 08 June 2025 | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 2 | 30 | 08 July 2025 | 08 July 2025 | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 3 | 31 | 08 August 2025 | 08 August 2025 | 0.0 | 336.71 | 3.42 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.39 | 0.0 | 0.0 | 1020.39 | 1020.39 | 0.0 | 0.0 | 0.0 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 08 May 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 08 June 2025 | Repayment | 340.13 | 329.97 | 10.16 | 0.0 | 0.0 | 670.03 | false | false |
+ | 08 June 2025 | Accrual Activity | 10.16 | 0.0 | 10.16 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 July 2025 | Repayment | 340.13 | 333.32 | 6.81 | 0.0 | 0.0 | 336.71 | false | false |
+ | 08 July 2025 | Accrual Activity | 6.81 | 0.0 | 6.81 | 0.0 | 0.0 | 0.0 | false | false |
+ | 07 August 2025 | Accrual | 20.28 | 0.0 | 20.28 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2025 | Repayment | 340.13 | 336.71 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2025 | Accrual Activity | 3.42 | 0.0 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
+# --- add penalty for paid off loan on maturity date ---#
+ When Admin adds "LOAN_NSF_FEE" due date charge with "08 August 2025" due date and 2.8 EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 08 May 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 08 June 2025 | 08 June 2025 | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 2 | 30 | 08 July 2025 | 08 July 2025 | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 3 | 31 | 08 August 2025 | | 0.0 | 336.71 | 3.42 | 0.0 | 2.8 | 342.93 | 340.13 | 0.0 | 0.0 | 2.8 |
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.39 | 0.0 | 2.8 | 1023.19 | 1020.39 | 0.0 | 0.0 | 2.8 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 08 May 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 08 June 2025 | Repayment | 340.13 | 329.97 | 10.16 | 0.0 | 0.0 | 670.03 | false | false |
+ | 08 June 2025 | Accrual Activity | 10.16 | 0.0 | 10.16 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 July 2025 | Repayment | 340.13 | 333.32 | 6.81 | 0.0 | 0.0 | 336.71 | false | false |
+ | 08 July 2025 | Accrual Activity | 6.81 | 0.0 | 6.81 | 0.0 | 0.0 | 0.0 | false | false |
+ | 07 August 2025 | Accrual | 20.28 | 0.0 | 20.28 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2025 | Repayment | 340.13 | 336.71 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
+ When Admin sets the business date to "09 August 2025"
+ And Admin runs inline COB job for Loan
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 08 May 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 08 June 2025 | 08 June 2025 | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 2 | 30 | 08 July 2025 | 08 July 2025 | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 3 | 31 | 08 August 2025 | | 0.0 | 336.71 | 3.42 | 0.0 | 2.8 | 342.93 | 340.13 | 0.0 | 0.0 | 2.8 |
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.39 | 0.0 | 2.8 | 1023.19 | 1020.39 | 0.0 | 0.0 | 2.8 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 08 May 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 08 June 2025 | Repayment | 340.13 | 329.97 | 10.16 | 0.0 | 0.0 | 670.03 | false | false |
+ | 08 June 2025 | Accrual Activity | 10.16 | 0.0 | 10.16 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 July 2025 | Repayment | 340.13 | 333.32 | 6.81 | 0.0 | 0.0 | 336.71 | false | false |
+ | 08 July 2025 | Accrual Activity | 6.81 | 0.0 | 6.81 | 0.0 | 0.0 | 0.0 | false | false |
+ | 07 August 2025 | Accrual | 20.28 | 0.0 | 20.28 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2025 | Repayment | 340.13 | 336.71 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2025 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
+ | 08 August 2025 | Accrual Activity | 6.22 | 0.0 | 3.42 | 0.0 | 2.8 | 0.0 | false | false |
+ When Admin sets the business date to "15 August 2025"
+ And Admin runs inline COB job for Loan
+ And Customer makes "AUTOPAY" repayment on "15 August 2025" with 2.8 EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 08 May 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 08 June 2025 | 08 June 2025 | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 2 | 30 | 08 July 2025 | 08 July 2025 | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 3 | 31 | 08 August 2025 | 15 August 2025 | 0.0 | 336.71 | 3.42 | 0.0 | 2.8 | 342.93 | 342.93 | 0.0 | 2.8 | 0.0 |
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.39 | 0.0 | 2.8 | 1023.19 | 1023.19 | 0.0 | 2.8 | 0.0 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 08 May 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 08 June 2025 | Repayment | 340.13 | 329.97 | 10.16 | 0.0 | 0.0 | 670.03 | false | false |
+ | 08 June 2025 | Accrual Activity | 10.16 | 0.0 | 10.16 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 July 2025 | Repayment | 340.13 | 333.32 | 6.81 | 0.0 | 0.0 | 336.71 | false | false |
+ | 08 July 2025 | Accrual Activity | 6.81 | 0.0 | 6.81 | 0.0 | 0.0 | 0.0 | false | false |
+ | 07 August 2025 | Accrual | 20.28 | 0.0 | 20.28 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2025 | Repayment | 340.13 | 336.71 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2025 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
+ | 08 August 2025 | Accrual Activity | 6.22 | 0.0 | 3.42 | 0.0 | 2.8 | 0.0 | false | false |
+ | 08 August 2025 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
+ When Admin sets the business date to "16 August 2025"
+ And Admin runs inline COB job for Loan
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 08 May 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 08 June 2025 | 08 June 2025 | 670.03 | 329.97 | 10.16 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 2 | 30 | 08 July 2025 | 08 July 2025 | 336.71 | 333.32 | 6.81 | 0.0 | 0.0 | 340.13 | 340.13 | 0.0 | 0.0 | 0.0 |
+ | 3 | 31 | 08 August 2025 | 15 August 2025 | 0.0 | 336.71 | 3.42 | 0.0 | 2.8 | 342.93 | 342.93 | 0.0 | 2.8 | 0.0 |
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.39 | 0.0 | 2.8 | 1023.19 | 1023.19 | 0.0 | 2.8 | 0.0 |
+ And Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 08 May 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 08 June 2025 | Repayment | 340.13 | 329.97 | 10.16 | 0.0 | 0.0 | 670.03 | false | false |
+ | 08 June 2025 | Accrual Activity | 10.16 | 0.0 | 10.16 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 July 2025 | Repayment | 340.13 | 333.32 | 6.81 | 0.0 | 0.0 | 336.71 | false | false |
+ | 08 July 2025 | Accrual Activity | 6.81 | 0.0 | 6.81 | 0.0 | 0.0 | 0.0 | false | false |
+ | 07 August 2025 | Accrual | 20.28 | 0.0 | 20.28 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2025 | Repayment | 340.13 | 336.71 | 3.42 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
+ | 08 August 2025 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
+ | 08 August 2025 | Accrual Activity | 6.22 | 0.0 | 3.42 | 0.0 | 2.8 | 0.0 | false | false |
+ | 15 August 2025 | Repayment | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
+
+
+
+ @TestRailId:C3963
+ Scenario: Verify Progressive Loan reschedule by extending repayment period: Basic scenario without downpayment, flat interest type
+ When Admin sets the business date to "01 June 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 |
+ | LP1_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 June 2024 | 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 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
+ When Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | | 667.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 |
+ | 2 | 31 | 01 August 2024 | | 334.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 |
+ | 3 | 31 | 01 September 2024 | | 0.0 | 334.0 | 0.0 | 0.0 | 0.0 | 334.0 | 0.0 | 0.0 | 0.0 | 334.0 |
+ 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 |
+ | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ When Admin sets the business date to "01 July 2024"
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 01 August 2024 | 01 July 2024 | | | | 1 | |
+ 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | | 667.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 |
+ | 2 | 31 | 01 August 2024 | | 445.0 | 222.0 | 0.0 | 0.0 | 0.0 | 222.0 | 0.0 | 0.0 | 0.0 | 222.0 |
+ | 3 | 31 | 01 September 2024 | | 223.0 | 222.0 | 0.0 | 0.0 | 0.0 | 222.0 | 0.0 | 0.0 | 0.0 | 222.0 |
+ | 4 | 30 | 01 October 2024 | | 0.0 | 223.0 | 0.0 | 0.0 | 0.0 | 223.0 | 0.0 | 0.0 | 0.0 | 223.0 |
+ 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 |
+ | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+
+ @TestRailId:C3964
+ Scenario: Verify Progressive Loan reschedule by extending repayment period with downpayment installment, flat interest type
+ When Admin sets the business date to "01 June 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 June 2024 | 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 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
+ When Admin successfully disburse the loan on "01 June 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 June 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 30 | 01 July 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 3 | 31 | 01 August 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 4 | 31 | 01 September 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 |
+ | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ When Admin sets the business date to "01 July 2024"
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 01 July 2024 | 01 July 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 June 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 30 | 01 July 2024 | | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
+ | 3 | 31 | 01 August 2024 | | 375.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
+ | 4 | 31 | 01 September 2024 | | 187.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
+ | 5 | 30 | 01 October 2024 | | 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 | 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 |
+ | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+
+ @TestRailId:C3965
+ Scenario: Verify Progressive Loan reschedule by extending repayment period - multiple extra terms, flat interest type
+ When Admin sets the business date to "01 June 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 |
+ | LP1_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 June 2024 | 1500 | 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 June 2024" with "1500" amount and expected disbursement date on "01 June 2024"
+ When Admin successfully disburse the loan on "01 June 2024" with "1500" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 June 2024 | | 1500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | | 1000.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 2 | 31 | 01 August 2024 | | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
+ | 3 | 31 | 01 September 2024 | | 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 |
+ | 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 |
+ | 01 June 2024 | Disbursement | 1500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 |
+ When Admin sets the business date to "01 July 2024"
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 01 July 2024 | 01 July 2024 | | | | 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 June 2024 | | 1500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | | 1200.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 2 | 31 | 01 August 2024 | | 900.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 3 | 31 | 01 September 2024 | | 600.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 4 | 30 | 01 October 2024 | | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ | 5 | 31 | 01 November 2024 | | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 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 |
+ | 01 June 2024 | Disbursement | 1500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 |
+
+ @TestRailId:C3966
+ Scenario: Verify Progressive Loan reschedule by extending repayment period after partial repayment, flat interest type
+ When Admin sets the business date to "01 June 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 |
+ | LP1_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 June 2024 | 1200 | 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 June 2024" with "1200" amount and expected disbursement date on "01 June 2024"
+ When Admin successfully disburse the loan on "01 June 2024" with "1200" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 June 2024 | | 1200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | | 800.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 2 | 31 | 01 August 2024 | | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 3 | 31 | 01 September 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1200.0 | 0.0 | 0.0 | 0.0 | 1200.0 | 0.0 | 0.0 | 0.0 | 1200.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 June 2024 | Disbursement | 1200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1200.0 |
+ When Admin sets the business date to "01 July 2024"
+ And Customer makes "AUTOPAY" repayment on "01 July 2024" with 400 EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 June 2024 | | 1200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | 01 July 2024 | 800.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 31 | 01 August 2024 | | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 3 | 31 | 01 September 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1200.0 | 0.0 | 0.0 | 0.0 | 1200.0 | 400.0 | 0.0 | 0.0 | 800.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 June 2024 | Disbursement | 1200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1200.0 |
+ | 01 July 2024 | Repayment | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 800.0 |
+ When Admin sets the business date to "15 July 2024"
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 01 August 2024 | 15 July 2024 | | | | 1 | |
+ 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 June 2024 | | 1200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | 01 July 2024 | 800.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 31 | 01 August 2024 | | 533.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 |
+ | 3 | 31 | 01 September 2024 | | 266.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 | 0.0 | 0.0 | 0.0 | 267.0 |
+ | 4 | 30 | 01 October 2024 | | 0.0 | 266.0 | 0.0 | 0.0 | 0.0 | 266.0 | 0.0 | 0.0 | 0.0 | 266.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1200.0 | 0.0 | 0.0 | 0.0 | 1200.0 | 400.0 | 0.0 | 0.0 | 800.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 June 2024 | Disbursement | 1200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1200.0 |
+ | 01 July 2024 | Repayment | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 800.0 |
+
+ @TestRailId:C3967
+ Scenario: Verify Progressive Loan reschedule by extending repayment periods after partial repayment and then backdated repayment occurs, flat interest type
+ When Admin sets the business date to "01 June 2024"
+ When Admin creates a client with random data
+ When Admin set "LP1_ADV_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 |
+ | LP1_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 June 2024 | 1200 | 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 June 2024" with "1200" amount and expected disbursement date on "01 June 2024"
+ When Admin successfully disburse the loan on "01 June 2024" with "1200" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 June 2024 | | 1200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | | 800.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 2 | 31 | 01 August 2024 | | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 3 | 31 | 01 September 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1200.0 | 0.0 | 0.0 | 0.0 | 1200.0 | 0.0 | 0.0 | 0.0 | 1200.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 June 2024 | Disbursement | 1200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1200.0 |
+ When Admin sets the business date to "01 July 2024"
+ And Customer makes "AUTOPAY" repayment on "01 July 2024" with 400 EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 June 2024 | | 1200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | 01 July 2024 | 800.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 31 | 01 August 2024 | | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 3 | 31 | 01 September 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1200.0 | 0.0 | 0.0 | 0.0 | 1200.0 | 400.0 | 0.0 | 0.0 | 800.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 June 2024 | Disbursement | 1200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1200.0 |
+ | 01 July 2024 | Repayment | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 800.0 |
+ When Admin sets the business date to "15 July 2024"
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 01 September 2024 | 15 July 2024 | | | | 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 June 2024 | | 1200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | 01 July 2024 | 800.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 31 | 01 August 2024 | | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 |
+ | 3 | 31 | 01 September 2024 | | 267.0 | 133.0 | 0.0 | 0.0 | 0.0 | 133.0 | 0.0 | 0.0 | 0.0 | 133.0 |
+ | 4 | 30 | 01 October 2024 | | 134.0 | 133.0 | 0.0 | 0.0 | 0.0 | 133.0 | 0.0 | 0.0 | 0.0 | 133.0 |
+ | 5 | 31 | 01 November 2024 | | 0.0 | 134.0 | 0.0 | 0.0 | 0.0 | 134.0 | 0.0 | 0.0 | 0.0 | 134.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1200.0 | 0.0 | 0.0 | 0.0 | 1200.0 | 400.0 | 0.0 | 0.0 | 800.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 June 2024 | Disbursement | 1200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1200.0 |
+ | 01 July 2024 | Repayment | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 800.0 |
+ When Admin sets the business date to "15 October 2024"
+ And Customer makes "AUTOPAY" repayment on "01 August 2024" with 500 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 June 2024 | | 1200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | 01 July 2024 | 800.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 |
+ | 2 | 31 | 01 August 2024 | 01 August 2024 | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 31 | 01 September 2024 | | 267.0 | 133.0 | 0.0 | 0.0 | 0.0 | 133.0 | 0.0 | 0.0 | 0.0 | 133.0 |
+ | 4 | 30 | 01 October 2024 | | 134.0 | 133.0 | 0.0 | 0.0 | 0.0 | 133.0 | 0.0 | 0.0 | 0.0 | 133.0 |
+ | 5 | 31 | 01 November 2024 | | 0.0 | 134.0 | 0.0 | 0.0 | 0.0 | 134.0 | 100.0 | 100.0 | 0.0 | 34.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1200.0 | 0.0 | 0.0 | 0.0 | 1200.0 | 900.0 | 100.0 | 0.0 | 300.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 June 2024 | Disbursement | 1200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1200.0 |
+ | 01 July 2024 | Repayment | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 800.0 |
+ | 01 August 2024 | Repayment | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 300.0 |
+ When Admin set "LP1_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
+
+ @TestRailId:C3987
+ Scenario: Verify Progressive Loan reschedule by extending repayment period: Basic scenario without downpayment, declining balance interest type
+ When Admin sets the business date to "01 June 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 June 2024 | 1000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
+ When Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 0.0 | 0.0 | 0.0 | 340.02 |
+ | 2 | 31 | 01 August 2024 | | 336.66 | 333.32 | 6.7 | 0.0 | 0.0 | 340.02 | 0.0 | 0.0 | 0.0 | 340.02 |
+ | 3 | 31 | 01 September 2024 | | 0.0 | 336.66 | 3.37 | 0.0 | 0.0 | 340.03 | 0.0 | 0.0 | 0.0 | 340.03 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.07 | 0.0 | 0.0 | 1020.07 | 0.0 | 0.0 | 0.0 | 1020.07 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ When Admin sets the business date to "01 July 2024"
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 01 August 2024 | 01 July 2024 | | | | 1 | |
+ 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | | 669.98 | 330.02 | 10.0 | 0.0 | 0.0 | 340.02 | 0.0 | 0.0 | 0.0 | 340.02 |
+ | 2 | 31 | 01 August 2024 | | 448.87 | 221.11 | 6.7 | 0.0 | 0.0 | 227.81 | 0.0 | 0.0 | 0.0 | 227.81 |
+ | 3 | 31 | 01 September 2024 | | 225.55 | 223.32 | 4.49 | 0.0 | 0.0 | 227.81 | 0.0 | 0.0 | 0.0 | 227.81 |
+ | 4 | 30 | 01 October 2024 | | 0.0 | 225.55 | 2.26 | 0.0 | 0.0 | 227.81 | 0.0 | 0.0 | 0.0 | 227.81 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 23.45 | 0.0 | 0.0 | 1023.45 | 0.0 | 0.0 | 0.0 | 1023.45 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+
+ @TestRailId:C3989
+ Scenario: Verify Progressive Loan reschedule by extending repayment period with downpayment installment, declining balance interest type
+ When Admin sets the business date to "01 June 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_INTEREST | 01 June 2024 | 1000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
+ And Admin successfully approves the loan on "01 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
+ When Admin successfully disburse the loan on "01 June 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 June 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 30 | 01 July 2024 | | 502.4 | 247.6 | 7.4 | 0.0 | 0.0 | 255.0 | 0.0 | 0.0 | 0.0 | 255.0 |
+ | 3 | 31 | 01 August 2024 | | 252.52 | 249.88 | 5.12 | 0.0 | 0.0 | 255.0 | 0.0 | 0.0 | 0.0 | 255.0 |
+ | 4 | 31 | 01 September 2024 | | 0.0 | 252.52 | 2.57 | 0.0 | 0.0 | 255.09 | 0.0 | 0.0 | 0.0 | 255.09 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 15.09 | 0.0 | 0.0 | 1015.09 | 0.0 | 0.0 | 0.0 | 1015.09 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+ When Admin sets the business date to "01 July 2024"
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 01 July 2024 | 01 July 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 0 | 01 June 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
+ | 2 | 30 | 01 July 2024 | | 629.4 | 120.6 | 7.4 | 0.0 | 0.0 | 128.0 | 0.0 | 0.0 | 0.0 | 128.0 |
+ | 3 | 31 | 01 August 2024 | | 507.81 | 121.59 | 6.41 | 0.0 | 0.0 | 128.0 | 0.0 | 0.0 | 0.0 | 128.0 |
+ | 4 | 31 | 01 September 2024 | | 384.99 | 122.82 | 5.18 | 0.0 | 0.0 | 128.0 | 0.0 | 0.0 | 0.0 | 128.0 |
+ | 5 | 30 | 01 October 2024 | | 0.0 | 384.99 | 3.8 | 0.0 | 0.0 | 388.79 | 0.0 | 0.0 | 0.0 | 388.79 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 22.79 | 0.0 | 0.0 | 1022.79 | 0.0 | 0.0 | 0.0 | 1022.79 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
+
+ @TestRailId:C3990
+ Scenario: Verify Progressive Loan reschedule by extending repayment period - multiple extra terms, declining balance interest type
+ When Admin sets the business date to "01 June 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 June 2024 | 1500 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 June 2024" with "1500" amount and expected disbursement date on "01 June 2024"
+ When Admin successfully disburse the loan on "01 June 2024" with "1500" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 June 2024 | | 1500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | | 1004.97 | 495.03 | 15.0 | 0.0 | 0.0 | 510.03 | 0.0 | 0.0 | 0.0 | 510.03 |
+ | 2 | 31 | 01 August 2024 | | 504.99 | 499.98 | 10.05 | 0.0 | 0.0 | 510.03 | 0.0 | 0.0 | 0.0 | 510.03 |
+ | 3 | 31 | 01 September 2024 | | 0.0 | 504.99 | 5.05 | 0.0 | 0.0 | 510.04 | 0.0 | 0.0 | 0.0 | 510.04 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 30.1 | 0.0 | 0.0 | 1530.1 | 0.0 | 0.0 | 0.0 | 1530.1 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 June 2024 | Disbursement | 1500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 |
+ When Admin sets the business date to "01 July 2024"
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 01 July 2024 | 01 July 2024 | | | | 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 June 2024 | | 1500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | | 1205.94 | 294.06 | 15.0 | 0.0 | 0.0 | 309.06 | 0.0 | 0.0 | 0.0 | 309.06 |
+ | 2 | 31 | 01 August 2024 | | 908.94 | 297.0 | 12.06 | 0.0 | 0.0 | 309.06 | 0.0 | 0.0 | 0.0 | 309.06 |
+ | 3 | 31 | 01 September 2024 | | 608.97 | 299.97 | 9.09 | 0.0 | 0.0 | 309.06 | 0.0 | 0.0 | 0.0 | 309.06 |
+ | 4 | 30 | 01 October 2024 | | 306.0 | 302.97 | 6.09 | 0.0 | 0.0 | 309.06 | 0.0 | 0.0 | 0.0 | 309.06 |
+ | 5 | 31 | 01 November 2024 | | 0.0 | 306.0 | 3.06 | 0.0 | 0.0 | 309.06 | 0.0 | 0.0 | 0.0 | 309.06 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 45.3 | 0.0 | 0.0 | 1545.3 | 0.0 | 0.0 | 0.0 | 1545.3 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 June 2024 | Disbursement | 1500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 |
+
+ @TestRailId:C3994
+ Scenario: Verify Progressive Loan reschedule by extending repayment period after partial repayment, declining balance interest type
+ When Admin sets the business date to "01 June 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 June 2024 | 1200 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 June 2024" with "1200" amount and expected disbursement date on "01 June 2024"
+ When Admin successfully disburse the loan on "01 June 2024" with "1200" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 June 2024 | | 1200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | | 803.97 | 396.03 | 12.0 | 0.0 | 0.0 | 408.03 | 0.0 | 0.0 | 0.0 | 408.03 |
+ | 2 | 31 | 01 August 2024 | | 403.98 | 399.99 | 8.04 | 0.0 | 0.0 | 408.03 | 0.0 | 0.0 | 0.0 | 408.03 |
+ | 3 | 31 | 01 September 2024 | | 0.0 | 403.98 | 4.04 | 0.0 | 0.0 | 408.02 | 0.0 | 0.0 | 0.0 | 408.02 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1200.0 | 24.08 | 0.0 | 0.0 | 1224.08 | 0.0 | 0.0 | 0.0 | 1224.08 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 June 2024 | Disbursement | 1200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1200.0 |
+ When Admin sets the business date to "01 July 2024"
+ And Customer makes "AUTOPAY" repayment on "01 July 2024" with 417.03 EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 June 2024 | | 1200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | 01 July 2024 | 803.97 | 396.03 | 12.0 | 0.0 | 0.0 | 408.03 | 408.03 | 0.0 | 0.0 | 0.0 |
+ | 2 | 31 | 01 August 2024 | | 403.89 | 400.08 | 7.95 | 0.0 | 0.0 | 408.03 | 9.0 | 9.0 | 0.0 | 399.03 |
+ | 3 | 31 | 01 September 2024 | | 0.0 | 403.89 | 4.04 | 0.0 | 0.0 | 407.93 | 0.0 | 0.0 | 0.0 | 407.93 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1200.0 | 23.99 | 0.0 | 0.0 | 1223.99 | 417.03 | 9.0 | 0.0 | 806.96 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 June 2024 | Disbursement | 1200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1200.0 |
+ | 01 July 2024 | Repayment | 417.03 | 405.03 | 12.0 | 0.0 | 0.0 | 794.97 |
+ When Admin sets the business date to "15 July 2024"
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 01 August 2024 | 15 July 2024 | | | | 1 | |
+ 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 June 2024 | | 1200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 30 | 01 July 2024 | 01 July 2024 | 803.97 | 396.03 | 12.0 | 0.0 | 0.0 | 408.03 | 408.03 | 0.0 | 0.0 | 0.0 |
+ | 2 | 31 | 01 August 2024 | | 538.58 | 265.39 | 7.95 | 0.0 | 0.0 | 273.34 | 9.0 | 9.0 | 0.0 | 264.34 |
+ | 3 | 31 | 01 September 2024 | | 270.63 | 267.95 | 5.39 | 0.0 | 0.0 | 273.34 | 0.0 | 0.0 | 0.0 | 273.34 |
+ | 4 | 30 | 01 October 2024 | | 0.0 | 270.63 | 2.71 | 0.0 | 0.0 | 273.34 | 0.0 | 0.0 | 0.0 | 273.34 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1200.0 | 28.05 | 0.0 | 0.0 | 1228.05 | 417.03 | 9.0 | 0.0 | 811.02 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
+ | 01 June 2024 | Disbursement | 1200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1200.0 |
+ | 01 July 2024 | Repayment | 417.03 | 405.03 | 12.0 | 0.0 | 0.0 | 794.97 |
+
+ @TestRailId:C4028
+ Scenario: Verify tranche interest bearing progressive loan that expects two tranches at the same date with exact disb amount in expected order - 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 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_di [...]
+ | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 700.0 [...]
+ And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
+ Then Loan Repayment schedule has 6 periods, with the following 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 | | 700.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | | | 01 January 2025 | | 200.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2025 | | 752.17 | 147.83 | 5.25 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 2 | 28 | 01 March 2025 | | 603.48 | 148.69 | 4.39 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 3 | 31 | 01 April 2025 | | 453.92 | 149.56 | 3.52 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 4 | 30 | 01 May 2025 | | 303.49 | 150.43 | 2.65 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 5 | 31 | 01 June 2025 | | 152.18 | 151.31 | 1.77 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 152.18 | 0.89 | 0.0 | 0.0 | 153.07 | 0.0 | 0.0 | 0.0 | 153.07 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 900.0 | 18.47 | 0.0 | 0.0 | 918.47 | 0.0 | 0.0 | 0.0 | 918.47 |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | | 700.0 | |
+ | 01 January 2025 | | 200.0 | |
+# --- 1st disbursement - 1 January, 2025 ---
+ When Admin successfully disburse the loan on "01 January 2025" with "700" 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 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 585.02 | 114.98 | 4.08 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 2 | 28 | 01 March 2025 | | 469.37 | 115.65 | 3.41 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 3 | 31 | 01 April 2025 | | 353.05 | 116.32 | 2.74 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 4 | 30 | 01 May 2025 | | 236.05 | 117.0 | 2.06 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 5 | 31 | 01 June 2025 | | 118.37 | 117.68 | 1.38 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 118.37 | 0.69 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 700.0 | 14.36 | 0.0 | 0.0 | 714.36 | 0.0 | 0.0 | 0.0 | 714.36 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 700.0 | |
+ | 01 January 2025 | | 200.0 | |
+# --- 2nd disbursement - 1 January, 2025 ---
+ When Admin successfully disburse the loan on "01 January 2025" with "200" 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 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 01 January 2025 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 752.17 | 147.83 | 5.25 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 2 | 28 | 01 March 2025 | | 603.48 | 148.69 | 4.39 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 3 | 31 | 01 April 2025 | | 453.92 | 149.56 | 3.52 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 4 | 30 | 01 May 2025 | | 303.49 | 150.43 | 2.65 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 5 | 31 | 01 June 2025 | | 152.18 | 151.31 | 1.77 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 152.18 | 0.89 | 0.0 | 0.0 | 153.07 | 0.0 | 0.0 | 0.0 | 153.07 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 900.0 | 18.47 | 0.0 | 0.0 | 918.47 | 0.0 | 0.0 | 0.0 | 918.47 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
+ | 01 January 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 700.0 | |
+ | 01 January 2025 | 01 January 2025 | 200.0 | |
+
+ When Loan Pay-off is made on "01 January 2025"
+ Then Loan is closed with zero outstanding balance and it's all installments have obligations met
+
+ @TestRailId:C4029
+ Scenario: Verify tranche interest bearing progressive loan that expects two tranches at the same date with over expected disb amount in expected order - 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 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_di [...]
+ | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 700.0 [...]
+ And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
+ Then Loan Repayment schedule has 6 periods, with the following 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 | | 700.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | | | 01 January 2025 | | 200.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2025 | | 752.17 | 147.83 | 5.25 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 2 | 28 | 01 March 2025 | | 603.48 | 148.69 | 4.39 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 3 | 31 | 01 April 2025 | | 453.92 | 149.56 | 3.52 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 4 | 30 | 01 May 2025 | | 303.49 | 150.43 | 2.65 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 5 | 31 | 01 June 2025 | | 152.18 | 151.31 | 1.77 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 152.18 | 0.89 | 0.0 | 0.0 | 153.07 | 0.0 | 0.0 | 0.0 | 153.07 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 900.0 | 18.47 | 0.0 | 0.0 | 918.47 | 0.0 | 0.0 | 0.0 | 918.47 |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | | 700.0 | |
+ | 01 January 2025 | | 200.0 | |
+# --- 1st disbursement - 1 January, 2025 ---
+ When Admin successfully disburse the loan on "01 January 2025" with "750" 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 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 626.81 | 123.19 | 4.37 | 0.0 | 0.0 | 127.56 | 0.0 | 0.0 | 0.0 | 127.56 |
+ | 2 | 28 | 01 March 2025 | | 502.91 | 123.9 | 3.66 | 0.0 | 0.0 | 127.56 | 0.0 | 0.0 | 0.0 | 127.56 |
+ | 3 | 31 | 01 April 2025 | | 378.28 | 124.63 | 2.93 | 0.0 | 0.0 | 127.56 | 0.0 | 0.0 | 0.0 | 127.56 |
+ | 4 | 30 | 01 May 2025 | | 252.93 | 125.35 | 2.21 | 0.0 | 0.0 | 127.56 | 0.0 | 0.0 | 0.0 | 127.56 |
+ | 5 | 31 | 01 June 2025 | | 126.85 | 126.08 | 1.48 | 0.0 | 0.0 | 127.56 | 0.0 | 0.0 | 0.0 | 127.56 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 126.85 | 0.74 | 0.0 | 0.0 | 127.59 | 0.0 | 0.0 | 0.0 | 127.59 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 750.0 | 15.39 | 0.0 | 0.0 | 765.39 | 0.0 | 0.0 | 0.0 | 765.39 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 750.0 | |
+ | 01 January 2025 | | 200.0 | |
+# --- 2nd disbursement - 1 January, 2025 ---
+ When Admin successfully disburse the loan on "01 January 2025" with "250" 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 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 01 January 2025 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 835.74 | 164.26 | 5.83 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 2 | 28 | 01 March 2025 | | 670.53 | 165.21 | 4.88 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 3 | 31 | 01 April 2025 | | 504.35 | 166.18 | 3.91 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 4 | 30 | 01 May 2025 | | 337.2 | 167.15 | 2.94 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 5 | 31 | 01 June 2025 | | 169.08 | 168.12 | 1.97 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 169.08 | 0.99 | 0.0 | 0.0 | 170.07 | 0.0 | 0.0 | 0.0 | 170.07 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.52 | 0.0 | 0.0 | 1020.52 | 0.0 | 0.0 | 0.0 | 1020.52 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
+ | 01 January 2025 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 750.0 | |
+ | 01 January 2025 | 01 January 2025 | 250.0 | |
+
+ When Loan Pay-off is made on "1 January 2025"
+ Then Loan is closed with zero outstanding balance and it's all installments have obligations met
+
+ @TestRailId:C4030
+ Scenario: Verify tranche interest bearing progressive loan that expects two tranches at the same date with over expected disb amount in not expected order - 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 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_di [...]
+ | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 200.0 [...]
+ And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
+ Then Loan Repayment schedule has 6 periods, with the following 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 | | 200.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | | | 01 January 2025 | | 500.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2025 | | 585.02 | 114.98 | 4.08 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 2 | 28 | 01 March 2025 | | 469.37 | 115.65 | 3.41 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 3 | 31 | 01 April 2025 | | 353.05 | 116.32 | 2.74 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 4 | 30 | 01 May 2025 | | 236.05 | 117.0 | 2.06 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 5 | 31 | 01 June 2025 | | 118.37 | 117.68 | 1.38 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 118.37 | 0.69 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 700.0 | 14.36 | 0.0 | 0.0 | 714.36 | 0.0 | 0.0 | 0.0 | 714.36 |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | | 200.0 | |
+ | 01 January 2025 | | 500.0 | |
+# --- 1st disbursement - 1 January, 2025 ---
+ Then Admin fails to disburse the loan on "1 January 2025" with "801" EUR transaction amount due to exceed approved amount
+ When Admin successfully disburse the loan on "01 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 | | 300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 250.72 | 49.28 | 1.75 | 0.0 | 0.0 | 51.03 | 0.0 | 0.0 | 0.0 | 51.03 |
+ | 2 | 28 | 01 March 2025 | | 201.15 | 49.57 | 1.46 | 0.0 | 0.0 | 51.03 | 0.0 | 0.0 | 0.0 | 51.03 |
+ | 3 | 31 | 01 April 2025 | | 151.29 | 49.86 | 1.17 | 0.0 | 0.0 | 51.03 | 0.0 | 0.0 | 0.0 | 51.03 |
+ | 4 | 30 | 01 May 2025 | | 101.14 | 50.15 | 0.88 | 0.0 | 0.0 | 51.03 | 0.0 | 0.0 | 0.0 | 51.03 |
+ | 5 | 31 | 01 June 2025 | | 50.7 | 50.44 | 0.59 | 0.0 | 0.0 | 51.03 | 0.0 | 0.0 | 0.0 | 51.03 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 50.7 | 0.3 | 0.0 | 0.0 | 51.0 | 0.0 | 0.0 | 0.0 | 51.0 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 300.0 | 6.15 | 0.0 | 0.0 | 306.15 | 0.0 | 0.0 | 0.0 | 306.15 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 300.0 | |
+ | 01 January 2025 | | 200.0 | |
+# --- 2nd disbursement - 1 January, 2025 ---
+ Then Admin fails to disburse the loan on "1 January 2025" with "701" EUR transaction amount due to exceed approved amount
+ When Admin successfully disburse the loan on "01 January 2025" with "600" 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 | | 300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 01 January 2025 | | 600.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 752.17 | 147.83 | 5.25 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 2 | 28 | 01 March 2025 | | 603.48 | 148.69 | 4.39 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 3 | 31 | 01 April 2025 | | 453.92 | 149.56 | 3.52 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 4 | 30 | 01 May 2025 | | 303.49 | 150.43 | 2.65 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 5 | 31 | 01 June 2025 | | 152.18 | 151.31 | 1.77 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 152.18 | 0.89 | 0.0 | 0.0 | 153.07 | 0.0 | 0.0 | 0.0 | 153.07 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 900.0 | 18.47 | 0.0 | 0.0 | 918.47 | 0.0 | 0.0 | 0.0 | 918.47 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false |
+ | 01 January 2025 | Disbursement | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 300.0 | |
+ | 01 January 2025 | 01 January 2025 | 600.0 | |
+
+ When Loan Pay-off is made on "01 January 2025"
+ Then Loan is closed with zero outstanding balance and it's all installments have obligations met
+
+ @TestRailId:C4031
+ Scenario: Verify tranche interest bearing progressive loan that expects two tranches at the same date with diff expected disb amounts in diff order - 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 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_di [...]
+ | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 200.0 [...]
+ And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
+ Then Loan Repayment schedule has 6 periods, with the following 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 | | 700.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | | | 01 January 2025 | | 200.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2025 | | 752.17 | 147.83 | 5.25 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 2 | 28 | 01 March 2025 | | 603.48 | 148.69 | 4.39 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 3 | 31 | 01 April 2025 | | 453.92 | 149.56 | 3.52 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 4 | 30 | 01 May 2025 | | 303.49 | 150.43 | 2.65 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 5 | 31 | 01 June 2025 | | 152.18 | 151.31 | 1.77 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 152.18 | 0.89 | 0.0 | 0.0 | 153.07 | 0.0 | 0.0 | 0.0 | 153.07 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 900.0 | 18.47 | 0.0 | 0.0 | 918.47 | 0.0 | 0.0 | 0.0 | 918.47 |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | | 200.0 | |
+ | 01 January 2025 | | 700.0 | |
+# --- 1st disbursement - 1 January, 2025 ---
+ Then Admin fails to disburse the loan on "1 January 2025" with "900" EUR transaction amount due to exceed approved amount
+ When Admin successfully disburse the loan on "01 January 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 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 417.88 | 82.12 | 2.92 | 0.0 | 0.0 | 85.04 | 0.0 | 0.0 | 0.0 | 85.04 |
+ | 2 | 28 | 01 March 2025 | | 335.28 | 82.6 | 2.44 | 0.0 | 0.0 | 85.04 | 0.0 | 0.0 | 0.0 | 85.04 |
+ | 3 | 31 | 01 April 2025 | | 252.2 | 83.08 | 1.96 | 0.0 | 0.0 | 85.04 | 0.0 | 0.0 | 0.0 | 85.04 |
+ | 4 | 30 | 01 May 2025 | | 168.63 | 83.57 | 1.47 | 0.0 | 0.0 | 85.04 | 0.0 | 0.0 | 0.0 | 85.04 |
+ | 5 | 31 | 01 June 2025 | | 84.57 | 84.06 | 0.98 | 0.0 | 0.0 | 85.04 | 0.0 | 0.0 | 0.0 | 85.04 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 84.57 | 0.49 | 0.0 | 0.0 | 85.06 | 0.0 | 0.0 | 0.0 | 85.06 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 500.0 | 10.26 | 0.0 | 0.0 | 510.26 | 0.0 | 0.0 | 0.0 | 510.26 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 500.0 | |
+ | 01 January 2025 | | 200.0 | |
+# --- 2nd disbursement - 1 January, 2025 ---
+ When Admin successfully disburse the loan on "01 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 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 01 January 2025 | | 300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 668.6 | 131.4 | 4.67 | 0.0 | 0.0 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 |
+ | 2 | 28 | 01 March 2025 | | 536.43 | 132.17 | 3.9 | 0.0 | 0.0 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 |
+ | 3 | 31 | 01 April 2025 | | 403.49 | 132.94 | 3.13 | 0.0 | 0.0 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 |
+ | 4 | 30 | 01 May 2025 | | 269.77 | 133.72 | 2.35 | 0.0 | 0.0 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 |
+ | 5 | 31 | 01 June 2025 | | 135.27 | 134.5 | 1.57 | 0.0 | 0.0 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 135.27 | 0.79 | 0.0 | 0.0 | 136.06 | 0.0 | 0.0 | 0.0 | 136.06 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 800.0 | 16.41 | 0.0 | 0.0 | 816.41 | 0.0 | 0.0 | 0.0 | 816.41 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
+ | 01 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 500.0 | |
+ | 01 January 2025 | 01 January 2025 | 300.0 | |
+
+ When Loan Pay-off is made on "1 January 2025"
+ Then Loan is closed with zero outstanding balance and it's all installments have obligations met
+
+ @TestRailId:C4032
+ Scenario: Verify tranche interest bearing progressive loan that expects two tranches at the same date in defined order with over expected 2nd disb amount - 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 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_di [...]
+ | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 200.0 [...]
+ And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
+ Then Loan Repayment schedule has 6 periods, with the following 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 | | 200.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | | | 01 January 2025 | | 500.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2025 | | 585.02 | 114.98 | 4.08 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 2 | 28 | 01 March 2025 | | 469.37 | 115.65 | 3.41 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 3 | 31 | 01 April 2025 | | 353.05 | 116.32 | 2.74 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 4 | 30 | 01 May 2025 | | 236.05 | 117.0 | 2.06 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 5 | 31 | 01 June 2025 | | 118.37 | 117.68 | 1.38 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 118.37 | 0.69 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 700.0 | 14.36 | 0.0 | 0.0 | 714.36 | 0.0 | 0.0 | 0.0 | 714.36 |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | | 200.0 | |
+ | 01 January 2025 | | 500.0 | |
+# --- 1st disbursement - 1 January, 2025 ---
+ When Admin successfully disburse the loan on "01 January 2025" with "200" 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 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 167.15 | 32.85 | 1.17 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
+ | 2 | 28 | 01 March 2025 | | 134.11 | 33.04 | 0.98 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
+ | 3 | 31 | 01 April 2025 | | 100.87 | 33.24 | 0.78 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
+ | 4 | 30 | 01 May 2025 | | 67.44 | 33.43 | 0.59 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
+ | 5 | 31 | 01 June 2025 | | 33.81 | 33.63 | 0.39 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 33.81 | 0.2 | 0.0 | 0.0 | 34.01 | 0.0 | 0.0 | 0.0 | 34.01 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 200.0 | 4.11 | 0.0 | 0.0 | 204.11 | 0.0 | 0.0 | 0.0 | 204.11 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 200.0 | |
+ | 01 January 2025 | | 500.0 | |
+# --- 2nd disbursement - 1 January, 2025 ---
+ When Admin successfully disburse the loan on "01 January 2025" with "800" 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 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 01 January 2025 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 835.74 | 164.26 | 5.83 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 2 | 28 | 01 March 2025 | | 670.53 | 165.21 | 4.88 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 3 | 31 | 01 April 2025 | | 504.35 | 166.18 | 3.91 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 4 | 30 | 01 May 2025 | | 337.2 | 167.15 | 2.94 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 5 | 31 | 01 June 2025 | | 169.08 | 168.12 | 1.97 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 169.08 | 0.99 | 0.0 | 0.0 | 170.07 | 0.0 | 0.0 | 0.0 | 170.07 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.52 | 0.0 | 0.0 | 1020.52 | 0.0 | 0.0 | 0.0 | 1020.52 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
+ | 01 January 2025 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 200.0 | |
+ | 01 January 2025 | 01 January 2025 | 800.0 | |
+
+ When Loan Pay-off is made on "1 January 2025"
+ Then Loan is closed with zero outstanding balance and it's all installments have obligations met
+
+ @TestRailId:C4033
+ Scenario: Verify tranche interest bearing progressive loan that expects tranche with added 2nd tranche at the same date and undo disbursement - 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 disbursement 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_dis [...]
+ | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 700.0 [...]
+ And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
+ Then Loan Repayment schedule has 6 periods, with the following 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 | | 700.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2025 | | 585.02 | 114.98 | 4.08 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 2 | 28 | 01 March 2025 | | 469.37 | 115.65 | 3.41 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 3 | 31 | 01 April 2025 | | 353.05 | 116.32 | 2.74 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 4 | 30 | 01 May 2025 | | 236.05 | 117.0 | 2.06 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 5 | 31 | 01 June 2025 | | 118.37 | 117.68 | 1.38 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 118.37 | 0.69 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 700.0 | 14.36 | 0.0 | 0.0 | 714.36 | 0.0 | 0.0 | 0.0 | 714.36 |
+ When Admin successfully disburse the loan on "01 January 2025" with "700" EUR transaction amount
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 700.0 | |
+ Then Loan Repayment schedule has 6 periods, with the following 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 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 585.02 | 114.98 | 4.08 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 2 | 28 | 01 March 2025 | | 469.37 | 115.65 | 3.41 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 3 | 31 | 01 April 2025 | | 353.05 | 116.32 | 2.74 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 4 | 30 | 01 May 2025 | | 236.05 | 117.0 | 2.06 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 5 | 31 | 01 June 2025 | | 118.37 | 117.68 | 1.38 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 118.37 | 0.69 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 700.0 | 14.36 | 0.0 | 0.0 | 714.36 | 0.0 | 0.0 | 0.0 | 714.36 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
+ And Admin successfully add disbursement detail to the loan on "01 January 2025" with 300 EUR transaction amount
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 700.0 | |
+ | 01 January 2025 | | 300.0 | 700.0 |
+ Then Loan Repayment schedule has 6 periods, with the following 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 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 585.02 | 114.98 | 4.08 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 2 | 28 | 01 March 2025 | | 469.37 | 115.65 | 3.41 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 3 | 31 | 01 April 2025 | | 353.05 | 116.32 | 2.74 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 4 | 30 | 01 May 2025 | | 236.05 | 117.0 | 2.06 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 5 | 31 | 01 June 2025 | | 118.37 | 117.68 | 1.38 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 118.37 | 0.69 | 0.0 | 0.0 | 119.06 | 0.0 | 0.0 | 0.0 | 119.06 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 700.0 | 14.36 | 0.0 | 0.0 | 714.36 | 0.0 | 0.0 | 0.0 | 714.36 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
+# --- 2nd disbursement - 1 Jan, 2025 ---
+ When Admin successfully disburse the loan on "01 January 2025" with "200" 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 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 01 January 2025 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 752.17 | 147.83 | 5.25 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 2 | 28 | 01 March 2025 | | 603.48 | 148.69 | 4.39 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 3 | 31 | 01 April 2025 | | 453.92 | 149.56 | 3.52 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 4 | 30 | 01 May 2025 | | 303.49 | 150.43 | 2.65 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 5 | 31 | 01 June 2025 | | 152.18 | 151.31 | 1.77 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 152.18 | 0.89 | 0.0 | 0.0 | 153.07 | 0.0 | 0.0 | 0.0 | 153.07 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 900.0 | 18.47 | 0.0 | 0.0 | 918.47 | 0.0 | 0.0 | 0.0 | 918.47 |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 700.0 | |
+ | 01 January 2025 | 01 January 2025 | 200.0 | 700.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
+ | 01 January 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false |
+ Then Admin fails to disburse the loan on "01 January 2025" with "100" amount
+# -- undo disbursement ----
+ When Admin successfully undo disbursal
+ Then Loan status has changed to "Approved"
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | | 700.0 | |
+ | 01 January 2025 | | 200.0 | 700.0 |
+ Then Loan Repayment schedule has 6 periods, with the following 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 | | 700.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | | | 01 January 2025 | | 200.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2025 | | 752.17 | 147.83 | 5.25 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 2 | 28 | 01 March 2025 | | 603.48 | 148.69 | 4.39 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 3 | 31 | 01 April 2025 | | 453.92 | 149.56 | 3.52 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 4 | 30 | 01 May 2025 | | 303.49 | 150.43 | 2.65 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 5 | 31 | 01 June 2025 | | 152.18 | 151.31 | 1.77 | 0.0 | 0.0 | 153.08 | 0.0 | 0.0 | 0.0 | 153.08 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 152.18 | 0.89 | 0.0 | 0.0 | 153.07 | 0.0 | 0.0 | 0.0 | 153.07 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 900.0 | 18.47 | 0.0 | 0.0 | 918.47 | 0.0 | 0.0 | 0.0 | 918.47 |
+ Then Loan Transactions tab has none transaction
+#---- make two disbursements on Jan1 , 2025 ---#
+ When Admin successfully disburse the loan on "01 January 2025" with "750" EUR transaction amount
+ When Admin successfully disburse the loan on "01 January 2025" with "200" EUR transaction amount
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 750.0 | |
+ | 01 January 2025 | 01 January 2025 | 200.0 | 700.0 |
+ Then Loan Repayment schedule has 6 periods, with the following 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 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 01 January 2025 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 793.96 | 156.04 | 5.54 | 0.0 | 0.0 | 161.58 | 0.0 | 0.0 | 0.0 | 161.58 |
+ | 2 | 28 | 01 March 2025 | | 637.01 | 156.95 | 4.63 | 0.0 | 0.0 | 161.58 | 0.0 | 0.0 | 0.0 | 161.58 |
+ | 3 | 31 | 01 April 2025 | | 479.15 | 157.86 | 3.72 | 0.0 | 0.0 | 161.58 | 0.0 | 0.0 | 0.0 | 161.58 |
+ | 4 | 30 | 01 May 2025 | | 320.37 | 158.78 | 2.8 | 0.0 | 0.0 | 161.58 | 0.0 | 0.0 | 0.0 | 161.58 |
+ | 5 | 31 | 01 June 2025 | | 160.66 | 159.71 | 1.87 | 0.0 | 0.0 | 161.58 | 0.0 | 0.0 | 0.0 | 161.58 |
+ | 6 | 30 | 01 July 2025 | | 0.0 | 160.66 | 0.94 | 0.0 | 0.0 | 161.6 | 0.0 | 0.0 | 0.0 | 161.6 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 950.0 | 19.5 | 0.0 | 0.0 | 969.5 | 0.0 | 0.0 | 0.0 | 969.5 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
+ | 01 January 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 950.0 | false | false |
+ When Admin sets the business date to "01 February 2025"
+ When Admin runs inline COB job for Loan
+ Then Admin fails to disburse the loan on "01 February 2025" with "50" amount
+
+ When Loan Pay-off is made on "1 February 2025"
+ Then Loan is closed with zero outstanding balance and it's all installments have obligations met
+
+ @TestRailId:C4034
+ Scenario: Verify tranche interest bearing progressive loan that expects tranches at the same date with repayment and undo last disbursement - 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 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_dis [...]
+ | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 90 | DAYS | 15 | DAYS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 700.0 [...]
+ And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
+ Then Loan Repayment schedule has 6 periods, with the following 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 | | 700.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | | | 01 January 2025 | | 300.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 15 | 16 January 2025 | | 834.55 | 165.45 | 2.92 | 0.0 | 0.0 | 168.37 | 0.0 | 0.0 | 0.0 | 168.37 |
+ | 2 | 15 | 31 January 2025 | | 668.61 | 165.94 | 2.43 | 0.0 | 0.0 | 168.37 | 0.0 | 0.0 | 0.0 | 168.37 |
+ | 3 | 15 | 15 February 2025 | | 502.19 | 166.42 | 1.95 | 0.0 | 0.0 | 168.37 | 0.0 | 0.0 | 0.0 | 168.37 |
+ | 4 | 15 | 02 March 2025 | | 335.28 | 166.91 | 1.46 | 0.0 | 0.0 | 168.37 | 0.0 | 0.0 | 0.0 | 168.37 |
+ | 5 | 15 | 17 March 2025 | | 167.89 | 167.39 | 0.98 | 0.0 | 0.0 | 168.37 | 0.0 | 0.0 | 0.0 | 168.37 |
+ | 6 | 15 | 01 April 2025 | | 0.0 | 167.89 | 0.49 | 0.0 | 0.0 | 168.38 | 0.0 | 0.0 | 0.0 | 168.38 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 10.23 | 0.0 | 0.0 | 1010.23 | 0.0 | 0.0 | 0.0 | 1010.23 |
+# --- 1st disbursement - 1 January, 2025 ---
+ When Admin successfully disburse the loan on "01 January 2025" with "700" EUR transaction amount
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 700.0 | |
+ | 01 January 2025 | | 300.0 | |
+ Then Loan Repayment schedule has 6 periods, with the following 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 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 15 | 16 January 2025 | | 584.18 | 115.82 | 2.04 | 0.0 | 0.0 | 117.86 | 0.0 | 0.0 | 0.0 | 117.86 |
+ | 2 | 15 | 31 January 2025 | | 468.02 | 116.16 | 1.7 | 0.0 | 0.0 | 117.86 | 0.0 | 0.0 | 0.0 | 117.86 |
+ | 3 | 15 | 15 February 2025 | | 351.53 | 116.49 | 1.37 | 0.0 | 0.0 | 117.86 | 0.0 | 0.0 | 0.0 | 117.86 |
+ | 4 | 15 | 02 March 2025 | | 234.7 | 116.83 | 1.03 | 0.0 | 0.0 | 117.86 | 0.0 | 0.0 | 0.0 | 117.86 |
+ | 5 | 15 | 17 March 2025 | | 117.52 | 117.18 | 0.68 | 0.0 | 0.0 | 117.86 | 0.0 | 0.0 | 0.0 | 117.86 |
+ | 6 | 15 | 01 April 2025 | | 0.0 | 117.52 | 0.34 | 0.0 | 0.0 | 117.86 | 0.0 | 0.0 | 0.0 | 117.86 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 700.0 | 7.16 | 0.0 | 0.0 | 707.16 | 0.0 | 0.0 | 0.0 | 707.16 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
+# --- 1st repayment - 1 January, 2025 ---
+ And Customer makes "AUTOPAY" repayment on "01 January 2025" with 117.86 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 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 15 | 16 January 2025 | 01 January 2025 | 582.14 | 117.86 | 0.0 | 0.0 | 0.0 | 117.86 | 117.86 | 117.86 | 0.0 | 0.0 |
+ | 2 | 15 | 31 January 2025 | | 467.68 | 114.46 | 3.4 | 0.0 | 0.0 | 117.86 | 0.0 | 0.0 | 0.0 | 117.86 |
+ | 3 | 15 | 15 February 2025 | | 351.18 | 116.5 | 1.36 | 0.0 | 0.0 | 117.86 | 0.0 | 0.0 | 0.0 | 117.86 |
+ | 4 | 15 | 02 March 2025 | | 234.34 | 116.84 | 1.02 | 0.0 | 0.0 | 117.86 | 0.0 | 0.0 | 0.0 | 117.86 |
+ | 5 | 15 | 17 March 2025 | | 117.16 | 117.18 | 0.68 | 0.0 | 0.0 | 117.86 | 0.0 | 0.0 | 0.0 | 117.86 |
+ | 6 | 15 | 01 April 2025 | | 0.0 | 117.16 | 0.34 | 0.0 | 0.0 | 117.5 | 0.0 | 0.0 | 0.0 | 117.5 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 700.0 | 6.8 | 0.0 | 0.0 | 706.8 | 117.86 | 117.86 | 0.0 | 588.94 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
+ | 01 January 2025 | Repayment | 117.86 | 117.86 | 0.0 | 0.0 | 0.0 | 582.14 | false | false |
+# --- 2nd disbursement - 1 January, 2025 ---
+ When Admin successfully disburse the loan on "01 January 2025" with "300" EUR transaction amount
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 700.0 | |
+ | 01 January 2025 | 01 January 2025 | 300.0 | |
+ Then Loan Repayment schedule has 6 periods, with the following 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 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 01 January 2025 | | 300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 15 | 16 January 2025 | | 834.2 | 165.8 | 2.57 | 0.0 | 0.0 | 168.37 | 117.86 | 117.86 | 0.0 | 50.51 |
+ | 2 | 15 | 31 January 2025 | | 668.26 | 165.94 | 2.43 | 0.0 | 0.0 | 168.37 | 0.0 | 0.0 | 0.0 | 168.37 |
+ | 3 | 15 | 15 February 2025 | | 501.84 | 166.42 | 1.95 | 0.0 | 0.0 | 168.37 | 0.0 | 0.0 | 0.0 | 168.37 |
+ | 4 | 15 | 02 March 2025 | | 334.93 | 166.91 | 1.46 | 0.0 | 0.0 | 168.37 | 0.0 | 0.0 | 0.0 | 168.37 |
+ | 5 | 15 | 17 March 2025 | | 167.54 | 167.39 | 0.98 | 0.0 | 0.0 | 168.37 | 0.0 | 0.0 | 0.0 | 168.37 |
+ | 6 | 15 | 01 April 2025 | | 0.0 | 167.54 | 0.49 | 0.0 | 0.0 | 168.03 | 0.0 | 0.0 | 0.0 | 168.03 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 9.88 | 0.0 | 0.0 | 1009.88 | 117.86 | 117.86 | 0.0 | 892.02 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
+ | 01 January 2025 | Repayment | 117.86 | 117.86 | 0.0 | 0.0 | 0.0 | 582.14 | false | false |
+ | 01 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 882.14 | false | false |
+ Then Admin fails to disburse the loan on "01 January 2025" with "100" amount due to exceed approved amount
+# --- undo disbursement --- #
+ When Admin successfully undo last disbursal
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 700.0 | |
+ Then Loan Repayment schedule has 6 periods, with the following 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 | | 700.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 15 | 16 January 2025 | 01 January 2025 | 582.14 | 117.86 | 0.0 | 0.0 | 0.0 | 117.86 | 117.86 | 117.86 | 0.0 | 0.0 |
+ | 2 | 15 | 31 January 2025 | | 467.68 | 114.46 | 3.4 | 0.0 | 0.0 | 117.86 | 0.0 | 0.0 | 0.0 | 117.86 |
+ | 3 | 15 | 15 February 2025 | | 351.18 | 116.5 | 1.36 | 0.0 | 0.0 | 117.86 | 0.0 | 0.0 | 0.0 | 117.86 |
+ | 4 | 15 | 02 March 2025 | | 234.34 | 116.84 | 1.02 | 0.0 | 0.0 | 117.86 | 0.0 | 0.0 | 0.0 | 117.86 |
+ | 5 | 15 | 17 March 2025 | | 117.16 | 117.18 | 0.68 | 0.0 | 0.0 | 117.86 | 0.0 | 0.0 | 0.0 | 117.86 |
+ | 6 | 15 | 01 April 2025 | | 0.0 | 117.16 | 0.34 | 0.0 | 0.0 | 117.5 | 0.0 | 0.0 | 0.0 | 117.5 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 700.0 | 6.8 | 0.0 | 0.0 | 706.8 | 117.86 | 117.86 | 0.0 | 588.94 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700.0 | false | false |
+ | 01 January 2025 | Repayment | 117.86 | 117.86 | 0.0 | 0.0 | 0.0 | 582.14 | false | false |
+ Then Admin fails to disburse the loan on "01 January 2025" with "200" amount
+
+ When Loan Pay-off is made on "1 January 2025"
+ Then Loan is closed with zero outstanding balance and it's all installments have obligations met
+
+ @TestRailId:C4035
+ Scenario: Verify tranche interest bearing progressive loan that expects tranche with added 2 tranches at the same date - 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 disbursement 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_dis [...]
+ | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 90 | DAYS | 15 | DAYS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 300.0 [...]
+ And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025"
+ Then Loan Repayment schedule has 6 periods, with the following 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 | | 300.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 15 | 16 January 2025 | | 250.37 | 49.63 | 0.88 | 0.0 | 0.0 | 50.51 | 0.0 | 0.0 | 0.0 | 50.51 |
+ | 2 | 15 | 31 January 2025 | | 200.59 | 49.78 | 0.73 | 0.0 | 0.0 | 50.51 | 0.0 | 0.0 | 0.0 | 50.51 |
+ | 3 | 15 | 15 February 2025 | | 150.67 | 49.92 | 0.59 | 0.0 | 0.0 | 50.51 | 0.0 | 0.0 | 0.0 | 50.51 |
+ | 4 | 15 | 02 March 2025 | | 100.6 | 50.07 | 0.44 | 0.0 | 0.0 | 50.51 | 0.0 | 0.0 | 0.0 | 50.51 |
+ | 5 | 15 | 17 March 2025 | | 50.38 | 50.22 | 0.29 | 0.0 | 0.0 | 50.51 | 0.0 | 0.0 | 0.0 | 50.51 |
+ | 6 | 15 | 01 April 2025 | | 0.0 | 50.38 | 0.15 | 0.0 | 0.0 | 50.53 | 0.0 | 0.0 | 0.0 | 50.53 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 300.0 | 3.08 | 0.0 | 0.0 | 303.08 | 0.0 | 0.0 | 0.0 | 303.08 |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | | 300.0 | |
+ And Admin successfully add disbursement detail to the loan on "01 February 2025" with 500 EUR transaction amount
+ And Admin successfully add disbursement detail to the loan on "01 February 2025" with 200 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 | | 300.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 15 | 16 January 2025 | | 250.37 | 49.63 | 0.88 | 0.0 | 0.0 | 50.51 | 0.0 | 0.0 | 0.0 | 50.51 |
+ | 2 | 15 | 31 January 2025 | | 200.59 | 49.78 | 0.73 | 0.0 | 0.0 | 50.51 | 0.0 | 0.0 | 0.0 | 50.51 |
+ | | | 01 February 2025 | | 500.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | | | 01 February 2025 | | 200.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 3 | 15 | 15 February 2025 | | 676.32 | 224.27 | 2.49 | 0.0 | 0.0 | 226.76 | 0.0 | 0.0 | 0.0 | 226.76 |
+ | 4 | 15 | 02 March 2025 | | 451.53 | 224.79 | 1.97 | 0.0 | 0.0 | 226.76 | 0.0 | 0.0 | 0.0 | 226.76 |
+ | 5 | 15 | 17 March 2025 | | 226.09 | 225.44 | 1.32 | 0.0 | 0.0 | 226.76 | 0.0 | 0.0 | 0.0 | 226.76 |
+ | 6 | 15 | 01 April 2025 | | 0.0 | 226.09 | 0.66 | 0.0 | 0.0 | 226.75 | 0.0 | 0.0 | 0.0 | 226.75 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.00 | 8.05 | 0.0 | 0.0 | 1008.05 | 0.0 | 0.0 | 0.0 | 1008.05 |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | | 300.0 | |
+ | 01 February 2025 | | 500.0 | 1000.0 |
+ | 01 February 2025 | | 200.0 | 1000.0 |
+# --- 1st disbursement - 1 January, 2025 ---
+ When Admin successfully disburse the loan on "01 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 | | 300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 15 | 16 January 2025 | | 250.37 | 49.63 | 0.88 | 0.0 | 0.0 | 50.51 | 0.0 | 0.0 | 0.0 | 50.51 |
+ | 2 | 15 | 31 January 2025 | | 200.59 | 49.78 | 0.73 | 0.0 | 0.0 | 50.51 | 0.0 | 0.0 | 0.0 | 50.51 |
+ | | | 01 February 2025 | | 500.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | | | 01 February 2025 | | 200.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 3 | 15 | 15 February 2025 | | 850.67 | 49.92 | 0.59 | 0.0 | 0.0 | 50.51 | 0.0 | 0.0 | 0.0 | 50.51 |
+ | 4 | 15 | 02 March 2025 | | 800.6 | 50.07 | 0.44 | 0.0 | 0.0 | 50.51 | 0.0 | 0.0 | 0.0 | 50.51 |
+ | 5 | 15 | 17 March 2025 | | 750.38 | 50.22 | 0.29 | 0.0 | 0.0 | 50.51 | 0.0 | 0.0 | 0.0 | 50.51 |
+ | 6 | 15 | 01 April 2025 | | 700.0 | 50.38 | 0.15 | 0.0 | 0.0 | 50.53 | 0.0 | 0.0 | 0.0 | 50.53 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 300.0 | 3.08 | 0.0 | 0.0 | 303.08 | 0.0 | 0.0 | 0.0 | 303.08 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 300.0 | |
+ | 01 February 2025 | | 500.0 | 1000.0 |
+ | 01 February 2025 | | 200.0 | 1000.0 |
+# --- 2nd disbursement - 1 February, 2025 ---
+ When Admin sets the business date to "01 February 2025"
+ When Admin runs inline COB job for Loan
+ When Admin successfully disburse the loan on "01 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 | | 300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 15 | 16 January 2025 | | 250.37 | 49.63 | 0.88 | 0.0 | 0.0 | 50.51 | 0.0 | 0.0 | 0.0 | 50.51 |
+ | 2 | 15 | 31 January 2025 | | 200.74 | 49.63 | 0.88 | 0.0 | 0.0 | 50.51 | 0.0 | 0.0 | 0.0 | 50.51 |
+ | | | 01 February 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 15 | 15 February 2025 | | 526.31 | 174.43 | 1.97 | 0.0 | 0.0 | 176.4 | 0.0 | 0.0 | 0.0 | 176.4 |
+ | 4 | 15 | 02 March 2025 | | 351.45 | 174.86 | 1.54 | 0.0 | 0.0 | 176.4 | 0.0 | 0.0 | 0.0 | 176.4 |
+ | 5 | 15 | 17 March 2025 | | 176.08 | 175.37 | 1.03 | 0.0 | 0.0 | 176.4 | 0.0 | 0.0 | 0.0 | 176.4 |
+ | 6 | 15 | 01 April 2025 | | 0.0 | 176.08 | 0.51 | 0.0 | 0.0 | 176.59 | 0.0 | 0.0 | 0.0 | 176.59 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 800.0 | 6.81 | 0.0 | 0.0 | 806.81 | 0.0 | 0.0 | 0.0 | 806.81 |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 300.0 | |
+ | 01 February 2025 | 01 February 2025 | 500.0 | 1000.0 |
+ | 01 February 2025 | | 200.0 | 1000.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false |
+ | 31 January 2025 | Accrual | 1.76 | 0.0 | 1.76 | 0.0 | 0.0 | 0.0 | false | false |
+ | 01 February 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
+
+# --- 3rd disbursement - 1 February, 2025 ---
+ When Admin successfully disburse the loan on "01 February 2025" with "150" 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 | | 300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 15 | 16 January 2025 | | 250.37 | 49.63 | 0.88 | 0.0 | 0.0 | 50.51 | 0.0 | 0.0 | 0.0 | 50.51 |
+ | 2 | 15 | 31 January 2025 | | 200.74 | 49.63 | 0.88 | 0.0 | 0.0 | 50.51 | 0.0 | 0.0 | 0.0 | 50.51 |
+ | | | 01 February 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 01 February 2025 | | 150.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 15 | 15 February 2025 | | 638.95 | 211.79 | 2.37 | 0.0 | 0.0 | 214.16 | 0.0 | 0.0 | 0.0 | 214.16 |
+ | 4 | 15 | 02 March 2025 | | 426.65 | 212.3 | 1.86 | 0.0 | 0.0 | 214.16 | 0.0 | 0.0 | 0.0 | 214.16 |
+ | 5 | 15 | 17 March 2025 | | 213.73 | 212.92 | 1.24 | 0.0 | 0.0 | 214.16 | 0.0 | 0.0 | 0.0 | 214.16 |
+ | 6 | 15 | 01 April 2025 | | 0.0 | 213.73 | 0.62 | 0.0 | 0.0 | 214.35 | 0.0 | 0.0 | 0.0 | 214.35 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 950.0 | 7.85 | 0.0 | 0.0 | 957.85 | 0.0 | 0.0 | 0.0 | 957.85 |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 300.0 | |
+ | 01 February 2025 | 01 February 2025 | 500.0 | 1000.0 |
+ | 01 February 2025 | 01 February 2025 | 150.0 | 1000.0 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false |
+ | 31 January 2025 | Accrual | 1.76 | 0.0 | 1.76 | 0.0 | 0.0 | 0.0 | false | false |
+ | 01 February 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
+ | 01 February 2025 | Disbursement | 150.0 | 0.0 | 0.0 | 0.0 | 0.0 | 950.0 | false | false |
+ Then Admin fails to disburse the loan on "01 February 2025" with "50" amount
+
+ When Loan Pay-off is made on "1 February 2025"
+ Then Loan is closed with zero outstanding balance and it's all installments have obligations met
+
+ @TestRailId:C4118
+ Scenario: Verify cumulative multidisb loan with 2nd disb at 1st installment with flat interest type and same_as_repeyment interest calculation period - 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 |
+ | LP1_INTEREST_FLAT_SAR_RECALCULATION_SAME_AS_REPAYMENT_ACTUAL_ACTUAL_MULTIDISB | 01 January 2025 | 1500 | 7 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
+ And Admin successfully approves the loan on "01 January 2025" with "1500" 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 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 | | 666.67 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
+ | 2 | 28 | 01 March 2025 | | 333.34 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 333.34 | 5.84 | 0.0 | 0.0 | 339.18 | 0.0 | 0.0 | 0.0 | 339.18 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 17.5 | 0.0 | 0.0 | 1017.5 | 0.0 | 0.0 | 0.0 | 1017.5 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+# -- 2nd disb - on Jan, 15, 2025 --#
+ When Admin sets the business date to "15 January 2025"
+ When Admin successfully disburse the loan on "15 January 2025" with "500" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 1000.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
+ | 2 | 28 | 01 March 2025 | | 500.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 26.25 | 0.0 | 0.0 | 1526.25 | 0.0 | 0.0 | 0.0 | 1526.25 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | false |
+# --- undo last disbursement --- #
+ When Admin successfully undo last disbursal
+ 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 | | 666.67 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
+ | 2 | 28 | 01 March 2025 | | 333.34 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 333.34 | 5.84 | 0.0 | 0.0 | 339.18 | 0.0 | 0.0 | 0.0 | 339.18 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 17.5 | 0.0 | 0.0 | 1017.5 | 0.0 | 0.0 | 0.0 | 1017.5 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | 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:C4119
+ Scenario: Verify cumulative multidisbursal loan with 2nd disb at 2nd installment with flat interest type and same_as_repeyment interest calculation period - 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 |
+ | LP1_INTEREST_FLAT_SAR_RECALCULATION_SAME_AS_REPAYMENT_ACTUAL_ACTUAL_MULTIDISB | 01 January 2025 | 1500 | 7 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
+ And Admin successfully approves the loan on "01 January 2025" with "1500" 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 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 | | 666.67 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
+ | 2 | 28 | 01 March 2025 | | 333.34 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 333.34 | 5.84 | 0.0 | 0.0 | 339.18 | 0.0 | 0.0 | 0.0 | 339.18 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 17.5 | 0.0 | 0.0 | 1017.5 | 0.0 | 0.0 | 0.0 | 1017.5 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+# -- 2nd disb - on Feb, 15, 2025 --#
+ When Admin sets the business date to "15 February 2025"
+ When Admin successfully disburse the loan on "15 February 2025" with "500" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 666.67 | 333.33 | 8.75 | 0.0 | 0.0 | 342.08 | 0.0 | 0.0 | 0.0 | 342.08 |
+ | | | 15 February 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 2 | 28 | 01 March 2025 | | 666.67 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 666.67 | 8.75 | 0.0 | 0.0 | 675.42 | 0.0 | 0.0 | 0.0 | 675.42 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 26.25 | 0.0 | 0.0 | 1526.25 | 0.0 | 0.0 | 0.0 | 1526.25 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 15 February 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | false |
+# --- undo disbursement --- #
+ When Admin successfully undo disbursal
+ 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 | | 1500.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2025 | | 1000.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
+ | 2 | 28 | 01 March 2025 | | 500.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 26.25 | 0.0 | 0.0 | 1526.25 | 0.0 | 0.0 | 0.0 | 1526.25 |
+ Then Loan Transactions tab has none transaction
+
+ Then Admin can successfully undone the loan approval
+ Then Loan status will be "SUBMITTED_AND_PENDING_APPROVAL"
+ And Admin successfully rejects the loan on "15 February 2025"
+ Then Loan status will be "REJECTED"
+
+ @TestRailId:C4120
+ Scenario: Verify cumulative multidisbursal loan with repayment between disbursements with flat interest type and same_as_repeyment interest calculation period - 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_INTEREST_FLAT_SAR_RECALCULATION_SAME_AS_REPAYMENT_ACTUAL_ACTUAL_MULTIDISB | 01 January 2025 | 1500 | 7 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
+ And Admin successfully approves the loan on "01 January 2025" with "1500" 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 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 | | 666.67 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
+ | 2 | 28 | 01 March 2025 | | 333.34 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 333.34 | 5.84 | 0.0 | 0.0 | 339.18 | 0.0 | 0.0 | 0.0 | 339.18 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 17.5 | 0.0 | 0.0 | 1017.5 | 0.0 | 0.0 | 0.0 | 1017.5 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+# -- repayment on Feb, 1, 2025 ---#
+ When Admin sets the business date to "01 February 2025"
+ And Customer makes "AUTOPAY" repayment on "01 February 2025" with 339.16 EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | 01 February 2025 | 666.67 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 339.16 | 0.0 | 0.0 | 0.0 |
+ | 2 | 28 | 01 March 2025 | | 333.34 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 333.34 | 5.84 | 0.0 | 0.0 | 339.18 | 0.0 | 0.0 | 0.0 | 339.18 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 17.5 | 0.0 | 0.0 | 1017.5 | 339.16 | 0.0 | 0.0 | 678.34 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 01 February 2025 | Repayment | 339.16 | 333.33 | 5.83 | 0.0 | 0.0 | 666.67 | false | false |
+# -- 2nd disb - on Feb, 15, 2025 --#
+ When Admin sets the business date to "15 February 2025"
+ When Admin successfully disburse the loan on "15 February 2025" with "500" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 666.67 | 333.33 | 8.75 | 0.0 | 0.0 | 342.08 | 339.16 | 0.0 | 0.0 | 2.92 |
+ | | | 15 February 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 2 | 28 | 01 March 2025 | | 666.67 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 666.67 | 8.75 | 0.0 | 0.0 | 675.42 | 0.0 | 0.0 | 0.0 | 675.42 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 26.25 | 0.0 | 0.0 | 1526.25 | 339.16 | 0.0 | 0.0 | 1187.09 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 01 February 2025 | Repayment | 339.16 | 330.41 | 8.75 | 0.0 | 0.0 | 669.59 | false | true |
+ | 15 February 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1169.59 | false | 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
+
+ @TestRailId:C4121
+ Scenario: Verify cumulative multidisbursal loan with flat interest type and same_as_repeyment interest calculation period with down payment - 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 | 1st_tranche_disb_expected_date |1st_tranche_di [...]
+ | LP1_INTEREST_FLAT_SAR_RECALCULATION_SAME_AS_REPAYMENT_MULTIDISB_AUTO_DOWNPAYMENT | 01 January 2025 | 1500 | 7 | FLAT | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER | 01 January 2025 | 1000.0 [...]
+ And Admin successfully approves the loan on "01 January 2025" with "1500" 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 | 31 | 01 February 2025 | | 500.0 | 250.0 | 5.75 | 0.0 | 0.0 | 255.75 | 0.0 | 0.0 | 0.0 | 255.75 |
+ | 3 | 28 | 01 March 2025 | | 250.0 | 250.0 | 5.75 | 0.0 | 0.0 | 255.75 | 0.0 | 0.0 | 0.0 | 255.75 |
+ | 4 | 31 | 01 April 2025 | | 0.0 | 250.0 | 5.76 | 0.0 | 0.0 | 255.76 | 0.0 | 0.0 | 0.0 | 255.76 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 17.26 | 0.0 | 0.0 | 1017.26 | 250.0 | 0.0 | 0.0 | 767.26 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 01 January 2025 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
+# -- 2nd disb - on Jan, 15, 2025 --#
+ When Admin sets the business date to "15 January 2025"
+ When Admin successfully disburse the loan on "15 January 2025" with "500" 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 |
+ | | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 2 | 0 | 15 January 2025 | 15 January 2025 | 1125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
+ | 3 | 31 | 01 February 2025 | | 750.0 | 375.0 | 8.63 | 0.0 | 0.0 | 383.63 | 0.0 | 0.0 | 0.0 | 383.63 |
+ | 4 | 28 | 01 March 2025 | | 375.0 | 375.0 | 8.63 | 0.0 | 0.0 | 383.63 | 0.0 | 0.0 | 0.0 | 383.63 |
+ | 5 | 31 | 01 April 2025 | | 0.0 | 375.0 | 8.63 | 0.0 | 0.0 | 383.63 | 0.0 | 0.0 | 0.0 | 383.63 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 25.89 | 0.0 | 0.0 | 1525.89 | 375.0 | 0.0 | 0.0 | 1150.89 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 01 January 2025 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
+ | 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 | false | false |
+ | 15 January 2025 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 1125.0 | false | 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:C4122
+ Scenario: Verify cumulative multidisbursal loan with flat interest type and same_as_repeyment interest calculation period with approved over applied amount - 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 | 1st_tranche_disb_expected_date |1st_tranche_di [...]
+ | LP1_INTEREST_FLAT_SAR_RECALCULATION_DAILY_360_30_APPROVED_OVER_APPLIED_MULTIDISB | 01 January 2025 | 1000 | 7 | FLAT | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER | 01 January 2025 | 1000.0 [...]
+ And Admin successfully approves the loan on "01 January 2025" with "1200" 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 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 | | 666.67 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
+ | 2 | 28 | 01 March 2025 | | 333.34 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 333.34 | 5.84 | 0.0 | 0.0 | 339.18 | 0.0 | 0.0 | 0.0 | 339.18 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 17.5 | 0.0 | 0.0 | 1017.5 | 0.0 | 0.0 | 0.0 | 1017.5 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 1000.0 | |
+# -- 2nd disb - on Feb, 15, 2025 --#
+ When Admin sets the business date to "15 January 2025"
+ When Admin successfully disburse the loan on "15 January 2025" with "500" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 1000.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
+ | 2 | 28 | 01 March 2025 | | 500.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 26.25 | 0.0 | 0.0 |1526.25 | 0.0 | 0.0 | 0.0 | 1526.25 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 1000.0 | |
+ | 01 January 2025 | 15 January 2025 | 500.0 | |
+
+ 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:C4123
+ Scenario: Verify cumulative multidisbursal loan with undo last disb with flat interest type and daily interest calculation period - 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 | 1st_tranche_disb_expected_date |1st_tranche_disb_principal | 2nd_t [...]
+ | LP1_INTEREST_FLAT_DAILY_RECALCULATION_DAILY_360_30_MULTIDISB | 01 January 2025 | 1500 | 7 | FLAT | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER | 01 January 2025 | 1000.0 | 15 Ja [...]
+ And Admin successfully approves the loan on "01 January 2025" with "1500" 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 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 | | 666.67 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
+ | 2 | 28 | 01 March 2025 | | 333.34 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 333.34 | 5.84 | 0.0 | 0.0 | 339.18 | 0.0 | 0.0 | 0.0 | 339.18 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 17.5 | 0.0 | 0.0 | 1017.5 | 0.0 | 0.0 | 0.0 | 1017.5 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 1000.0 | |
+# -- 2nd disb - on Feb, 15, 2025 --#
+ When Admin sets the business date to "15 January 2025"
+ When Admin successfully disburse the loan on "15 January 2025" with "500" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 1000.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
+ | 2 | 28 | 01 March 2025 | | 500.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 500.0 | 8.75 | 0.0 | 0.0 | 508.75 | 0.0 | 0.0 | 0.0 | 508.75 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 26.25 | 0.0 | 0.0 | 1526.25 | 0.0 | 0.0 | 0.0 | 1526.25 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 1000.0 | |
+ | 01 January 2025 | 15 January 2025 | 500.0 | |
+# --- undo last disbursement --- #
+ When Admin successfully undo last disbursal
+ 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 | | 666.67 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
+ | 2 | 28 | 01 March 2025 | | 333.34 | 333.33 | 5.83 | 0.0 | 0.0 | 339.16 | 0.0 | 0.0 | 0.0 | 339.16 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 333.34 | 5.84 | 0.0 | 0.0 | 339.18 | 0.0 | 0.0 | 0.0 | 339.18 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 17.5 | 0.0 | 0.0 | 1017.5 | 0.0 | 0.0 | 0.0 | 1017.5 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 1000.0 | |
+
+ 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:C4201
+ Scenario: Verify repayment reversal after adding NSF fee charge with transaction reprocessing
+ When Admin sets the business date to "06 November 2025"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_ADV_PYMNT_360_30_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF_ACCRUAL_ACTIVITY | 21 August 2025 | 102.47 | 11.3 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "21 August 2025" with "102.47" amount and expected disbursement date on "21 August 2025"
+ And Admin successfully disburse the loan on "21 August 2025" with "102.47" EUR transaction amount
+ And Customer makes "AUTOPAY" repayment on "21 September 2025" with 34.80 EUR transaction amount
+ When Customer undo "1"th "Repayment" transaction made on "21 September 2025"
+ And Customer makes "AUTOPAY" repayment on "26 September 2025" with 34.79 EUR transaction amount
+ And Customer makes "AUTOPAY" repayment on "29 September 2025" with 0.01 EUR transaction amount
+ And Customer makes "AUTOPAY" repayment on "30 September 2025" with 71.63 EUR transaction amount
+ When Admin adds "LOAN_NSF_FEE" due date charge with "30 September 2025" due date and 2.8 EUR transaction amount
+ When Customer undo "1"th "Repayment" transaction made on "26 September 2025"
+ 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 |
+ | | | 21 August 2025 | | 102.47 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 21 September 2025 | 30 September 2025 | 68.63 | 33.84 | 0.96 | 0.0 | 0.0 | 34.8 | 34.8 | 0.0 | 34.8 | 0.0 |
+ | 2 | 30 | 21 October 2025 | | 34.35 | 34.28 | 0.52 | 0.0 | 2.8 | 37.6 | 36.84 | 36.84 | 0.0 | 0.76 |
+ | 3 | 31 | 21 November 2025 | | 0.0 | 34.35 | 0.32 | 0.0 | 0.0 | 34.67 | 0.0 | 0.0 | 0.0 | 34.67 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 102.47 | 1.8 | 0.0 | 2.8 | 107.07 | 71.64 | 36.84 | 34.8 | 35.43 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 21 August 2025 | Disbursement | 102.47 | 0.0 | 0.0 | 0.0 | 0.0 | 102.47 | false | false |
+ | 21 September 2025 | Repayment | 34.8 | 33.84 | 0.96 | 0.0 | 0.0 | 68.63 | true | false |
+ | 21 September 2025 | Accrual Activity | 0.96 | 0.0 | 0.96 | 0.0 | 0.0 | 0.0 | false | false |
+ | 26 September 2025 | Repayment | 34.79 | 33.84 | 0.95 | 0.0 | 0.0 | 68.63 | true | false |
+ | 29 September 2025 | Repayment | 0.01 | 0.01 | 0.0 | 0.0 | 0.0 | 102.46 | false | true |
+ | 30 September 2025 | Repayment | 71.63 | 67.87 | 0.96 | 0.0 | 2.8 | 34.59 | false | true |
+ | 21 October 2025 | Accrual Activity | 3.32 | 0.0 | 0.52 | 0.0 | 2.8 | 0.0 | false | true |
+ | 06 November 2025 | Accrual | 1.21 | 0.0 | 1.21 | 0.0 | 0.0 | 0.0 | false | false |
+ And Customer makes "AUTOPAY" repayment on "06 November 2025" with 35.28 EUR transaction amount
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+
+ @TestRailId:C4124
+ Scenario: Verify cumulative multidisbursal loan that expects tranches with flat interest type and daily interest calculation period - 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 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 [...]
+ | LP1_INTEREST_FLAT_DAILY_RECALCULATION_SAR_MULTIDISB_EXPECT_TRANCHES | 01 January 2025 | 1500 | 7 | FLAT | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER | 01 January 2025 | 1000.0 [...]
+ And Admin successfully approves the loan on "01 January 2025" with "1500" amount and expected disbursement date on "01 January 2025"
+ 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 |
+ | | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2025 | | 1000.0 | 500.0 | 8.63 | 0.0 | 0.0 | 508.63 | 0.0 | 0.0 | 0.0 | 508.63 |
+ | 2 | 28 | 01 March 2025 | | 500.0 | 500.0 | 8.63 | 0.0 | 0.0 | 508.63 | 0.0 | 0.0 | 0.0 | 508.63 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 500.0 | 8.63 | 0.0 | 0.0 | 508.63 | 0.0 | 0.0 | 0.0 | 508.63 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 25.89 | 0.0 | 0.0 | 1525.89 | 0.0 | 0.0 | 0.0 | 1525.89 |
+ Then Loan Transactions tab has none transaction
+ When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2025 | | 1000.0 | 500.0 | 5.75 | 0.0 | 0.0 | 505.75 | 0.0 | 0.0 | 0.0 | 505.75 |
+ | 2 | 28 | 01 March 2025 | | 500.0 | 500.0 | 5.75 | 0.0 | 0.0 | 505.75 | 0.0 | 0.0 | 0.0 | 505.75 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 500.0 | 5.76 | 0.0 | 0.0 | 505.76 | 0.0 | 0.0 | 0.0 | 505.76 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 17.26 | 0.0 | 0.0 | 1517.26 | 0.0 | 0.0 | 0.0 | 1517.26 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 1000.0 | |
+ | 15 January 2025 | | 500.0 | |
+# -- 2nd disb - on Jan, 15, 2025 --#
+ When Admin sets the business date to "15 January 2025"
+ When Admin successfully disburse the loan on "15 January 2025" with "500" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 1000.0 | 500.0 | 8.63 | 0.0 | 0.0 | 508.63 | 0.0 | 0.0 | 0.0 | 508.63 |
+ | 2 | 28 | 01 March 2025 | | 500.0 | 500.0 | 8.63 | 0.0 | 0.0 | 508.63 | 0.0 | 0.0 | 0.0 | 508.63 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 500.0 | 8.63 | 0.0 | 0.0 | 508.63 | 0.0 | 0.0 | 0.0 | 508.63 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 25.89 | 0.0 | 0.0 | 1525.89 | 0.0 | 0.0 | 0.0 | 1525.89 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 15 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 1000.0 | |
+ | 15 January 2025 | 15 January 2025 | 500.0 | |
+ When Loan Pay-off is made on "15 January 2025"
+ Then Loan's all installments have obligations met
+
+ @TestRailId:C4227
+ Scenario: Verify cumulative multidisbursal loan that expects tranches with flat interest type and no interest calculation period - UC7.1
+ 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 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 | 2n [...]
+ | LP1_INTEREST_FLAT_DAILY_ACTUAL_ACTUAL_MULTIDISB_EXPECT_TRANCHES | 01 January 2025 | 1500 | 7 | FLAT | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER | 01 January 2025 | 1000.0 | 15 [...]
+ And Admin successfully approves the loan on "01 January 2025" with "1500" amount and expected disbursement date on "01 January 2025"
+ 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 |
+ | | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2025 | | 1000.0 | 500.0 | 8.63 | 0.0 | 0.0 | 508.63 | 0.0 | 0.0 | 0.0 | 508.63 |
+ | 2 | 28 | 01 March 2025 | | 500.0 | 500.0 | 8.63 | 0.0 | 0.0 | 508.63 | 0.0 | 0.0 | 0.0 | 508.63 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 500.0 | 8.63 | 0.0 | 0.0 | 508.63 | 0.0 | 0.0 | 0.0 | 508.63 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 25.89 | 0.0 | 0.0 | 1525.89 | 0.0 | 0.0 | 0.0 | 1525.89 |
+ Then Loan Transactions tab has none transaction
+ When Admin disburses the loan on "01 January 2025" with "1000" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2025 | | 1000.0 | 500.0 | 5.75 | 0.0 | 0.0 | 505.75 | 0.0 | 0.0 | 0.0 | 505.75 |
+ | 2 | 28 | 01 March 2025 | | 500.0 | 500.0 | 5.75 | 0.0 | 0.0 | 505.75 | 0.0 | 0.0 | 0.0 | 505.75 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 500.0 | 5.76 | 0.0 | 0.0 | 505.76 | 0.0 | 0.0 | 0.0 | 505.76 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 17.26 | 0.0 | 0.0 | 1517.26 | 0.0 | 0.0 | 0.0 | 1517.26 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ Then LoanDisbursalTransactionBusinessEvent has changedTerms "false"
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 1000.0 | |
+ | 15 January 2025 | | 500.0 | |
+ When Admin sets the business date to "16 January 2025"
+ 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 | | | |
+ | | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2025 | | 1000.0 | 500.0 | 5.75 | 0.0 | 0.0 | 505.75 | 0.0 | 0.0 | 0.0 | 505.75 |
+ | 2 | 28 | 01 March 2025 | | 500.0 | 500.0 | 5.75 | 0.0 | 0.0 | 505.75 | 0.0 | 0.0 | 0.0 | 505.75 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 500.0 | 5.76 | 0.0 | 0.0 | 505.76 | 0.0 | 0.0 | 0.0 | 505.76 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 17.26 | 0.0 | 0.0 | 1517.26 | 0.0 | 0.0 | 0.0 | 1517.26 |
+ When Admin sets the business date to "01 February 2025"
+ 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 | | | |
+ | | | 15 January 2025 | | 500.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2025 | | 1000.0 | 500.0 | 5.75 | 0.0 | 0.0 | 505.75 | 0.0 | 0.0 | 0.0 | 505.75 |
+ | 2 | 28 | 01 March 2025 | | 500.0 | 500.0 | 5.75 | 0.0 | 0.0 | 505.75 | 0.0 | 0.0 | 0.0 | 505.75 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 500.0 | 5.76 | 0.0 | 0.0 | 505.76 | 0.0 | 0.0 | 0.0 | 505.76 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 17.26 | 0.0 | 0.0 | 1517.26 | 0.0 | 0.0 | 0.0 | 1517.26 |
+# -- 2nd disbursement - on Feb, 1, 2025 --#
+ When Admin disburses the loan on "01 February 2025" with "500" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2025 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 01 February 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | | 1000.0 | 500.0 | 8.63 | 0.0 | 0.0 | 508.63 | 0.0 | 0.0 | 0.0 | 508.63 |
+ | 2 | 28 | 01 March 2025 | | 500.0 | 500.0 | 8.63 | 0.0 | 0.0 | 508.63 | 0.0 | 0.0 | 0.0 | 508.63 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 500.0 | 8.63 | 0.0 | 0.0 | 508.63 | 0.0 | 0.0 | 0.0 | 508.63 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 25.89 | 0.0 | 0.0 | 1525.89 | 0.0 | 0.0 | 0.0 | 1525.89 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 01 February 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | false |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2025 | 01 January 2025 | 1000.0 | |
+ | 15 January 2025 | 01 February 2025 | 500.0 | |
+ Then LoanDisbursalTransactionBusinessEvent has changedTerms "false"
+ When Loan Pay-off is made on "01 February 2025"
+ Then Loan is closed with zero outstanding balance and it's all installments have obligations met
+ 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 | | | |
+ | | | 01 February 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2025 | 01 February 2025 | 1000.0 | 500.0 | 8.63 | 0.0 | 0.0 | 508.63 | 508.63 | 0.0 | 0.0 | 0.0 |
+ | 2 | 28 | 01 March 2025 | 01 February 2025 | 500.0 | 500.0 | 8.63 | 0.0 | 0.0 | 508.63 | 508.63 | 508.63 | 0.0 | 0.0 |
+ | 3 | 31 | 01 April 2025 | 01 February 2025 | 0.0 | 500.0 | 8.63 | 0.0 | 0.0 | 508.63 | 508.63 | 508.63 | 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 |
+ | 1500.0 | 25.89 | 0.0 | 0.0 | 1525.89 | 1525.89 | 1017.26 | 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 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ | 01 February 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | false |
+ | 01 February 2025 | Repayment | 1525.89 | 1500.0 | 25.89 | 0.0 | 0.0 | 0.0 | false | false |
+ | 01 February 2025 | Accrual | 25.89 | 0.0 | 25.89 | 0.0 | 0.0 | 0.0 | false | false |
+
+ @TestRailId:C4643
+ Scenario: Verify that changedTerms is false in LoanDisbursalTransactionBusinessEvent for initial disbursement
+ 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 | 1000 | 7 | DECLINING_BALANCE | DAILY | 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 disburses the loan on "01 January 2024" with "1000" EUR transaction amount
+ Then Loan Repayment schedule has 3 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 15 | 16 January 2024 | | 667.64 | 332.36 | 2.92 | 0.0 | 0.0 | 335.28 | 0.0 | 0.0 | 0.0 | 335.28 |
+ | 2 | 15 | 31 January 2024 | | 334.31 | 333.33 | 1.95 | 0.0 | 0.0 | 335.28 | 0.0 | 0.0 | 0.0 | 335.28 |
+ | 3 | 15 | 15 February 2024 | | 0.0 | 334.31 | 0.98 | 0.0 | 0.0 | 335.29 | 0.0 | 0.0 | 0.0 | 335.29 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 5.85 | 0.0 | 0.0 | 1005.85 | 0.0 | 0.0 | 0.0 | 1005.85 |
+ 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 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
+ Then LoanDisbursalTransactionBusinessEvent has changedTerms "false"
+
+ @TestRailId:C4645
+ Scenario: Verify that changedTerms is false in LoanDisbursalTransactionBusinessEvent when additional disbursement does not change terms
+ 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_MULTIDISBURSE" 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_MULTIDISBURSE | 01 January 2024 | 300 | 9.4822 | 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 "300" amount and expected disbursement date on "01 January 2024"
+ When Admin disburses 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
+ 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 |
+ Then LoanDisbursalTransactionBusinessEvent has changedTerms "false"
+ When Admin sets the business date to "08 January 2024"
+ When Admin disburses the loan on "08 January 2024" with "200" 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 | | | |
+ | | | 08 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | | 250.68 | 49.32 | 2.01 | 0.0 | 0.0 | 51.33 | 0.0 | 0.0 | 0.0 | 51.33 |
+ | 2 | 29 | 01 March 2024 | | 201.33 | 49.35 | 1.98 | 0.0 | 0.0 | 51.33 | 0.0 | 0.0 | 0.0 | 51.33 |
+ | 3 | 31 | 01 April 2024 | | 151.59 | 49.74 | 1.59 | 0.0 | 0.0 | 51.33 | 0.0 | 0.0 | 0.0 | 51.33 |
+ | 4 | 30 | 01 May 2024 | | 101.46 | 50.13 | 1.2 | 0.0 | 0.0 | 51.33 | 0.0 | 0.0 | 0.0 | 51.33 |
+ | 5 | 31 | 01 June 2024 | | 50.93 | 50.53 | 0.8 | 0.0 | 0.0 | 51.33 | 0.0 | 0.0 | 0.0 | 51.33 |
+ | 6 | 30 | 01 July 2024 | | 0.0 | 50.93 | 0.4 | 0.0 | 0.0 | 51.33 | 0.0 | 0.0 | 0.0 | 51.33 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 300.0 | 7.98 | 0.0 | 0.0 | 307.98 | 0.0 | 0.0 | 0.0 | 307.98 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
+ | 08 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false |
+ Then LoanDisbursalTransactionBusinessEvent has changedTerms "false"
+ When Loan Pay-off is made on "08 January 2024"
+ Then Loan is closed with zero outstanding balance and it's all installments have obligations met
+
+ @TestRailId:C70224
+ Scenario: Verify max disb amount validation in case multidisb loan that expect tranches with overapplied setting enabled - UC1
+ When Admin sets the business date to "1 January 2024"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with disbursement 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 [...]
+ | LP2_PROGRESSIVE_ADV_PYMNT_INTEREST_RECALC_360_30_MULTIDISB_OVER_APPLIED_EXPECTED_TRANCHES | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000.0 [...]
+ And Admin successfully approves the loan on "1 January 2024" with "1200" amount and expected disbursement date on "1 January 2024"
+ Then Loan has availableDisbursementAmountWithOverApplied field with value: 500
+ Then Loan status will be "APPROVED"
+ Then Loan Repayment schedule has 6 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2024 | | 835.74 | 164.26 | 5.83 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 2 | 29 | 01 March 2024 | | 670.53 | 165.21 | 4.88 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 3 | 31 | 01 April 2024 | | 504.35 | 166.18 | 3.91 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 4 | 30 | 01 May 2024 | | 337.2 | 167.15 | 2.94 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 5 | 31 | 01 June 2024 | | 169.08 | 168.12 | 1.97 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 6 | 30 | 01 July 2024 | | 0.0 | 169.08 | 0.99 | 0.0 | 0.0 | 170.07 | 0.0 | 0.0 | 0.0 | 170.07 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.52 | 0.0 | 0.0 | 1020.52 | 0.0 | 0.0 | 0.0 | 1020.52 |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2024 | | 1000.0 | |
+ And Admin successfully add disbursement detail to the loan on "5 January 2024" with 200 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 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | | | 05 January 2024 | | 200.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2024 | | 1002.77 | 197.23 | 6.85 | 0.0 | 0.0 | 204.08 | 0.0 | 0.0 | 0.0 | 204.08 |
+ | 2 | 29 | 01 March 2024 | | 804.54 | 198.23 | 5.85 | 0.0 | 0.0 | 204.08 | 0.0 | 0.0 | 0.0 | 204.08 |
+ | 3 | 31 | 01 April 2024 | | 605.15 | 199.39 | 4.69 | 0.0 | 0.0 | 204.08 | 0.0 | 0.0 | 0.0 | 204.08 |
+ | 4 | 30 | 01 May 2024 | | 404.6 | 200.55 | 3.53 | 0.0 | 0.0 | 204.08 | 0.0 | 0.0 | 0.0 | 204.08 |
+ | 5 | 31 | 01 June 2024 | | 202.88 | 201.72 | 2.36 | 0.0 | 0.0 | 204.08 | 0.0 | 0.0 | 0.0 | 204.08 |
+ | 6 | 30 | 01 July 2024 | | 0.0 | 202.88 | 1.18 | 0.0 | 0.0 | 204.06 | 0.0 | 0.0 | 0.0 | 204.06 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1200.0 | 24.46 | 0.0 | 0.0 | 1224.46 | 0.0 | 0.0 | 0.0 | 1224.46 |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2024 | | 1000.0 | |
+ | 05 January 2024 | | 200.0 | 1200.0 |
+ Then Loan has availableDisbursementAmountWithOverApplied field with value: 300
+ Then Admin fails to disburse the loan on "1 January 2024" with "1600" EUR transaction amount because of wrong amount
+ Then Admin fails to disburse the loan on "1 January 2024" with "1500" EUR transaction amount because of wrong amount
+ And Admin successfully disburse the loan on "1 January 2024" with "1300" EUR transaction amount
+ Then Loan has availableDisbursementAmountWithOverApplied field with value: 0
+ Then Loan status will be "ACTIVE"
+ Then Loan Repayment schedule has 6 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 1300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 05 January 2024 | | 200.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2024 | | 1286.47 | 213.53 | 7.58 | 0.0 | 0.0 | 221.11 | 0.0 | 0.0 | 0.0 | 221.11 |
+ | 2 | 29 | 01 March 2024 | | 1071.7 | 214.77 | 6.34 | 0.0 | 0.0 | 221.11 | 0.0 | 0.0 | 0.0 | 221.11 |
+ | 3 | 31 | 01 April 2024 | | 855.67 | 216.03 | 5.08 | 0.0 | 0.0 | 221.11 | 0.0 | 0.0 | 0.0 | 221.11 |
+ | 4 | 30 | 01 May 2024 | | 638.38 | 217.29 | 3.82 | 0.0 | 0.0 | 221.11 | 0.0 | 0.0 | 0.0 | 221.11 |
+ | 5 | 31 | 01 June 2024 | | 419.83 | 218.55 | 2.56 | 0.0 | 0.0 | 221.11 | 0.0 | 0.0 | 0.0 | 221.11 |
+ | 6 | 30 | 01 July 2024 | | 200.0 | 219.83 | 1.28 | 0.0 | 0.0 | 221.11 | 0.0 | 0.0 | 0.0 | 221.11 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1300.0 | 26.66 | 0.0 | 0.0 | 1326.66 | 0.0 | 0.0 | 0.0 | 1326.66 |
+ 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 | 1300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1300.0 | 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 | 1300.0 | |
+ | 05 January 2024 | | 200.0 | 1200.0 |
+ When Admin sets the business date to "5 January 2024"
+ Then Admin fails to disburse the loan on "5 January 2024" with "300" EUR transaction amount because of wrong amount
+ And Admin successfully disburse the loan on "5 January 2024" with "200" 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 | | 1300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 05 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | | 1253.5 | 246.5 | 8.6 | 0.0 | 0.0 | 255.1 | 0.0 | 0.0 | 0.0 | 255.1 |
+ | 2 | 29 | 01 March 2024 | | 1005.71 | 247.79 | 7.31 | 0.0 | 0.0 | 255.1 | 0.0 | 0.0 | 0.0 | 255.1 |
+ | 3 | 31 | 01 April 2024 | | 756.48 | 249.23 | 5.87 | 0.0 | 0.0 | 255.1 | 0.0 | 0.0 | 0.0 | 255.1 |
+ | 4 | 30 | 01 May 2024 | | 505.79 | 250.69 | 4.41 | 0.0 | 0.0 | 255.1 | 0.0 | 0.0 | 0.0 | 255.1 |
+ | 5 | 31 | 01 June 2024 | | 253.64 | 252.15 | 2.95 | 0.0 | 0.0 | 255.1 | 0.0 | 0.0 | 0.0 | 255.1 |
+ | 6 | 30 | 01 July 2024 | | 0.0 | 253.64 | 1.48 | 0.0 | 0.0 | 255.12 | 0.0 | 0.0 | 0.0 | 255.12 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 30.62 | 0.0 | 0.0 | 1530.62 | 0.0 | 0.0 | 0.0 | 1530.62 |
+ 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 | 1300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1300.0 | false | false |
+ | 05 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | false |
+ # --- close loan --- #
+ When Loan Pay-off is made on "5 January 2024"
+ Then Loan is closed with zero outstanding balance and it's all installments have obligations met
+
+ @TestRailId:C70225
+ Scenario: Verify max disb amount validation in case multidisb loan that expect tranches with overapplied setting enabled - UC2
+ When Admin sets the business date to "1 January 2024"
+ And Admin creates a client with random data
+ When Admin creates a fully customized loan with disbursement 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 [...]
+ | LP2_PROGRESSIVE_ADV_PYMNT_INTEREST_RECALC_360_30_MULTIDISB_OVER_APPLIED_EXPECTED_TRANCHES | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000.0 [...]
+ And Admin successfully approves the loan on "1 January 2024" with "1200" amount and expected disbursement date on "1 January 2024"
+ Then Loan has availableDisbursementAmountWithOverApplied field with value: 500
+ Then Loan status will be "APPROVED"
+ Then Loan Repayment schedule has 6 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2024 | | 835.74 | 164.26 | 5.83 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 2 | 29 | 01 March 2024 | | 670.53 | 165.21 | 4.88 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 3 | 31 | 01 April 2024 | | 504.35 | 166.18 | 3.91 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 4 | 30 | 01 May 2024 | | 337.2 | 167.15 | 2.94 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 5 | 31 | 01 June 2024 | | 169.08 | 168.12 | 1.97 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
+ | 6 | 30 | 01 July 2024 | | 0.0 | 169.08 | 0.99 | 0.0 | 0.0 | 170.07 | 0.0 | 0.0 | 0.0 | 170.07 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1000.0 | 20.52 | 0.0 | 0.0 | 1020.52 | 0.0 | 0.0 | 0.0 | 1020.52 |
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2024 | | 1000.0 | |
+ And Admin successfully add disbursement detail to the loan on "5 January 2024" with 200 EUR transaction amount
+ Then Loan Tranche Details tab has the following data:
+ | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
+ | 01 January 2024 | | 1000.0 | |
+ | 05 January 2024 | | 200.0 | 1200.0 |
+ And Admin checks available disbursement amount 0.0 EUR
+ Then Loan has availableDisbursementAmountWithOverApplied field with value: 300
+ Then Admin fails to disburse the loan on "1 January 2024" with "1600" EUR transaction amount because of wrong amount
+ And Admin successfully disburse the loan on "1 January 2024" with "1100" EUR transaction amount
+ Then Loan status will be "ACTIVE"
+ Then Loan has availableDisbursementAmountWithOverApplied field with value: 200
+ Then Loan Repayment schedule has 6 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 1100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 05 January 2024 | | 200.0 | | | 0.0 | | 0.0 | | | | 0.0 |
+ | 1 | 31 | 01 February 2024 | | 1119.33 | 180.67 | 6.42 | 0.0 | 0.0 | 187.09 | 0.0 | 0.0 | 0.0 | 187.09 |
+ | 2 | 29 | 01 March 2024 | | 937.6 | 181.73 | 5.36 | 0.0 | 0.0 | 187.09 | 0.0 | 0.0 | 0.0 | 187.09 |
+ | 3 | 31 | 01 April 2024 | | 754.81 | 182.79 | 4.3 | 0.0 | 0.0 | 187.09 | 0.0 | 0.0 | 0.0 | 187.09 |
+ | 4 | 30 | 01 May 2024 | | 570.96 | 183.85 | 3.24 | 0.0 | 0.0 | 187.09 | 0.0 | 0.0 | 0.0 | 187.09 |
+ | 5 | 31 | 01 June 2024 | | 386.03 | 184.93 | 2.16 | 0.0 | 0.0 | 187.09 | 0.0 | 0.0 | 0.0 | 187.09 |
+ | 6 | 30 | 01 July 2024 | | 200.0 | 186.03 | 1.09 | 0.0 | 0.0 | 187.12 | 0.0 | 0.0 | 0.0 | 187.12 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1100.0 | 22.57 | 0.0 | 0.0 | 1122.57 | 0.0 | 0.0 | 0.0 | 1122.57 |
+ 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 | 1100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1100.0 | 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 | 1100.0 | |
+ | 05 January 2024 | | 200.0 | 1200.0 |
+ When Admin sets the business date to "5 January 2024"
+ Then Admin fails to disburse the loan on "5 January 2024" with "800" EUR transaction amount because of wrong amount
+ And Admin successfully disburse the loan on "5 January 2024" 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 2024 | | 1100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | | | 05 January 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | | 1253.37 | 246.63 | 8.45 | 0.0 | 0.0 | 255.08 | 0.0 | 0.0 | 0.0 | 255.08 |
+ | 2 | 29 | 01 March 2024 | | 1005.6 | 247.77 | 7.31 | 0.0 | 0.0 | 255.08 | 0.0 | 0.0 | 0.0 | 255.08 |
+ | 3 | 31 | 01 April 2024 | | 756.39 | 249.21 | 5.87 | 0.0 | 0.0 | 255.08 | 0.0 | 0.0 | 0.0 | 255.08 |
+ | 4 | 30 | 01 May 2024 | | 505.72 | 250.67 | 4.41 | 0.0 | 0.0 | 255.08 | 0.0 | 0.0 | 0.0 | 255.08 |
+ | 5 | 31 | 01 June 2024 | | 253.59 | 252.13 | 2.95 | 0.0 | 0.0 | 255.08 | 0.0 | 0.0 | 0.0 | 255.08 |
+ | 6 | 30 | 01 July 2024 | | 0.0 | 253.59 | 1.48 | 0.0 | 0.0 | 255.07 | 0.0 | 0.0 | 0.0 | 255.07 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 1500.0 | 30.47 | 0.0 | 0.0 | 1530.47 | 0.0 | 0.0 | 0.0 | 1530.47 |
+ 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 | 1100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1100.0 | false | false |
+ | 05 January 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | false |
+ # --- close loan --- #
+ When Loan Pay-off is made on "5 January 2024"
+ Then Loan is closed with zero outstanding balance and it's all installments have obligations met
diff --git a/fineract-e2e-tests-runner/src/test/resources/features/Loan.feature b/fineract-e2e-tests-runner/src/test/resources/features/Loan.feature
deleted file mode 100644
index d6147dfc09..0000000000
--- a/fineract-e2e-tests-runner/src/test/resources/features/Loan.feature
+++ /dev/null
@@ -1,9269 +0,0 @@
-@LoanFeature
-Feature: Loan
-
- @TestRailId:C16 @Smoke
- Scenario: Loan creation functionality in Fineract
- When Admin sets the business date to the actual date
- When Admin creates a client with random data
- When Admin creates a new Loan
-
- @TestRailId:C17
- Scenario: Loan creation functionality in Fineract
- When Admin sets the business date to "1 July 2022"
- When Admin creates a client with random data
- And Admin successfully creates a new customised Loan submitted on date: "1 July 2022", with Principal: "5000", a loanTermFrequency: 24 months, and numberOfRepayments: 24
-
- @TestRailId:C42
- Scenario: As a user I would like to see that the loan is not created if the loan submission date is after the business date
- When Admin sets the business date to "25 June 2022"
- When Admin creates a client with random data
- Then Admin fails to create a new customised Loan submitted on date: "1 July 2022", with Principal: "5000", a loanTermFrequency: 24 months, and numberOfRepayments: 24
-
- @TestRailId:C43
- Scenario: As a user I would like to see that the loan is created if the loan submission date is equal to business date
- When Admin sets the business date to "1 July 2022"
- When Admin creates a client with random data
- And Admin successfully creates a new customised Loan submitted on date: "1 July 2022", with Principal: "5000", a loanTermFrequency: 24 months, and numberOfRepayments: 24
-
- @TestRailId:C46
- Scenario: As a user I would like to see that the loan is approved at the business date
- When Admin sets the business date to "1 July 2022"
- When Admin creates a client with random data
- And Admin successfully creates a new customised Loan submitted on date: "1 July 2022", with Principal: "5000", a loanTermFrequency: 24 months, and numberOfRepayments: 24
- And Admin successfully approves the loan on "1 July 2022" with "5000" amount and expected disbursement date on "2 July 2022"
-
- @TestRailId:C30 @single
- Scenario: As a user I would like to see that the loan is cannot be approved with future approval date
- When Admin sets the business date to "1 July 2022"
- When Admin creates a client with random data
- And Admin successfully creates a new customised Loan submitted on date: "1 July 2022", with Principal: "5000", a loanTermFrequency: 24 months, and numberOfRepayments: 24
- Then Admin fails to approve the loan on "2 July 2022" with "5000" amount and expected disbursement date on "2 July 2022" because of wrong date
-
- @TestRailId:C47 @multi
- Scenario: As a user I would like to see that the loan can be disbursed at the business date
- When Admin sets the business date to "1 July 2022"
- When Admin creates a client with random data
- And Admin successfully creates a new customised Loan submitted on date: "1 July 2022", with Principal: "5000", a loanTermFrequency: 24 months, and numberOfRepayments: 24
- And Admin successfully approves the loan on "1 July 2022" with "5000" amount and expected disbursement date on "2 July 2022"
- When Admin successfully disburse the loan on "1 July 2022" with "5000" EUR transaction amount
-
- @TestRailId:C31
- Scenario: As a user I would like to see that the loan is cannot be disbursed with future disburse date
- When Admin sets the business date to "1 July 2022"
- When Admin creates a client with random data
- And Admin successfully creates a new customised Loan submitted on date: "1 July 2022", with Principal: "5000", a loanTermFrequency: 24 months, and numberOfRepayments: 24
- And Admin successfully approves the loan on "1 July 2022" with "5000" amount and expected disbursement date on "2 July 2022"
- Then Admin fails to disburse the loan on "2 July 2022" with "5000" EUR transaction amount because of wrong date
-
- @TestRailId:C64
- Scenario: As a user I would like to see that 50% over applied amount can be approved and disbursed on loan correctly
- When Admin sets the business date to "1 September 2022"
- When Admin creates a client with random data
- When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
- And Admin successfully approves the loan on "1 September 2022" with "1500" amount and expected disbursement date on "1 September 2022"
- When Admin successfully disburse the loan on "1 September 2022" with "1500" EUR transaction amount
-
- @TestRailId:C65
- Scenario: As a user I would like to see that 50% over applied amount can be approved but more than 50% cannot be disbursed on loan
- When Admin sets the business date to "1 September 2022"
- When Admin creates a client with random data
- When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
- And Admin successfully approves the loan on "1 September 2022" with "1500" amount and expected disbursement date on "1 September 2022"
- Then Admin fails to disburse the loan on "1 September 2022" with "1501" EUR transaction amount because of wrong amount
-
- @TestRailId:C66
- Scenario: As a user I would like to see that more than 50% over applied amount can not be approved on loan
- When Admin sets the business date to "1 September 2022"
- When Admin creates a client with random data
- When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
- Then Admin fails to approve the loan on "1 September 2022" with "1501" amount and expected disbursement date on "1 September 2022" because of wrong amount
-
- @TestRailId:C2769
- Scenario: As a user I would like to see that more than 50% over applied amount in total can not be disbursed on loan
- When Admin sets the business date to "1 September 2022"
- When Admin creates a client with random data
- When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
- And Admin successfully approves the loan on "1 September 2022" with "1500" amount and expected disbursement date on "1 September 2022"
- And Admin successfully disburse the loan on "1 September 2022" with "1400" EUR transaction amount
- Then Admin fails to disburse the loan on "1 September 2022" with "101" EUR transaction amount because of wrong amount
-
- @TestRailId:C3767
- Scenario: Verify disbursed amount exceeds approved over applied amount for progressive loan with percentage overAppliedCalculationType
- When Admin sets the business date to "1 September 2022"
- When Admin creates a client with random data
- When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
- And Admin successfully approves the loan on "1 September 2022" with "1300" amount and expected disbursement date on "1 September 2022"
- Then Loan has availableDisbursementAmountWithOverApplied field with value: 1500
- And Admin successfully disburse the loan on "1 September 2022" with "1200" EUR transaction amount
- Then Loan has availableDisbursementAmountWithOverApplied field with value: 300
- Then Admin fails to disburse the loan on "1 September 2022" with "301" EUR transaction amount because of wrong amount
-
- When Loan Pay-off is made on "1 September 2022"
- Then Loan's all installments have obligations met
-
- @TestRailId:C3768
- Scenario: Verify approved amount exceeds approved over applied amount for progressive loan with flat overAppliedCalculationType
- When Admin sets the business date to "1 January 2024"
- And Admin creates a client with random data
- And Admin creates a fully customized loan with the following data:
- | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
- | LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_APPROVED_OVER_APPLIED_FLAT_CAPITALIZED_INCOME | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
- Then Admin fails to approve the loan on "1 January 2024" with "2001" amount and expected disbursement date on "1 January 2024" because of wrong amount
-
- And Admin successfully rejects the loan on "1 January 2024"
- Then Loan status will be "REJECTED"
-
- @TestRailId:C3769
- Scenario: Verify disbursed amount exceeds approved over applied amount for progressive loan with flat overAppliedCalculationType
- When Admin sets the business date to "1 January 2024"
- And Admin creates a client with random data
- And Admin creates a fully customized loan with the following data:
- | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
- | LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
- And Admin successfully approves the loan on "1 January 2024" with "9000" amount and expected disbursement date on "1 January 2024"
- Then Loan has availableDisbursementAmountWithOverApplied field with value: 11000
- And Admin successfully disburse the loan on "1 January 2024" with "9900" EUR transaction amount
- Then Loan has availableDisbursementAmountWithOverApplied field with value: 1100
- Then Admin fails to disburse the loan on "1 January 2024" with "1200" EUR transaction amount because of wrong amount
-
- When Loan Pay-off is made on "1 January 2024"
- Then Loan's all installments have obligations met
-
- @TestRailId:C3895
- Scenario: Verify disbursed amount approved over applied amount for progressive loan that expects tranches with percentage overAppliedCalculationType - UC1
- When Admin sets the business date to "1 January 2024"
- And Admin creates a client with random data
- When Admin creates a fully customized loan with disbursement 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 [...]
- | LP2_PROGRESSIVE_ADV_PYMNT_INTEREST_RECALC_360_30_MULTIDISB_OVER_APPLIED_EXPECTED_TRANCHES | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000.0 [...]
- And Admin successfully approves the loan on "1 January 2024" with "1200" amount and expected disbursement date on "1 January 2024"
- Then Loan has availableDisbursementAmountWithOverApplied field with value: 500
- Then Loan status will be "APPROVED"
- Then Loan Tranche Details tab has the following data:
- | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
- | 01 January 2024 | | 1000.0 | |
- When Admin sets the business date to "2 January 2024"
- And Admin successfully add disbursement detail to the loan on "5 January 2024" with 200 EUR transaction amount
- Then Loan Tranche Details tab has the following data:
- | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
- | 01 January 2024 | | 1000.0 | |
- | 05 January 2024 | | 200.0 | 1200.0 |
- And Admin checks available disbursement amount 0.0 EUR
- Then Loan has availableDisbursementAmountWithOverApplied field with value: 300
- Then Admin fails to disburse the loan on "2 January 2024" with "1600" EUR transaction amount because of wrong amount
- And Admin successfully disburse the loan on "2 January 2024" with "1300" EUR transaction amount
- Then Loan has availableDisbursementAmountWithOverApplied field with value: 0
- Then Loan status will be "ACTIVE"
- And Admin checks available disbursement amount 0.0 EUR
- Then Loan Tranche Details tab has the following data:
- | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
- | 01 January 2024 | 02 January 2024 | 1300.0 | |
- | 05 January 2024 | | 200.0 | 1200.0 |
-
- When Loan Pay-off is made on "2 January 2024"
- Then Loan's all installments have obligations met
-
- @TestRailId:C3896
- Scenario: Verify disbursed amount approved over applied amount for progressive loan that expects tranches with percentage overAppliedCalculationType - UC2
- When Admin sets the business date to "1 January 2024"
- And Admin creates a client with random data
- When Admin creates a fully customized loan with disbursement 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 [...]
- | LP2_PROGRESSIVE_ADV_PYMNT_INTEREST_RECALC_360_30_MULTIDISB_OVER_APPLIED_EXPECTED_TRANCHES | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000.0 [...]
- And Admin successfully approves the loan on "1 January 2024" with "1200" amount and expected disbursement date on "1 January 2024"
- Then Loan has availableDisbursementAmountWithOverApplied field with value: 500
- Then Loan status will be "APPROVED"
- Then Loan Tranche Details tab has the following data:
- | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
- | 01 January 2024 | | 1000.0 | |
- When Admin sets the business date to "2 January 2024"
- And Admin successfully add disbursement detail to the loan on "5 January 2024" with 200 EUR transaction amount
- Then Loan Tranche Details tab has the following data:
- | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
- | 01 January 2024 | | 1000.0 | |
- | 05 January 2024 | | 200.0 | 1200.0 |
- And Admin checks available disbursement amount 0.0 EUR
- Then Loan has availableDisbursementAmountWithOverApplied field with value: 300
- Then Admin fails to disburse the loan on "2 January 2024" with "1600" EUR transaction amount because of wrong amount
- And Admin successfully disburse the loan on "2 January 2024" with "1100" EUR transaction amount
- Then Loan status will be "ACTIVE"
- And Admin checks available disbursement amount 100.0 EUR
- Then Loan has availableDisbursementAmountWithOverApplied field with value: 200
- Then Loan Tranche Details tab has the following data:
- | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount |
- | 01 January 2024 | 02 January 2024 | 1100.0 | |
- | 05 January 2024 | | 200.0 | 1200.0 |
-
- When Loan Pay-off is made on "2 January 2024"
- Then Loan's all installments have obligations met
-
- @TestRailId:C67
- Scenario: As admin I would like to check that amounts are distributed equally in loan repayment schedule
- When Admin sets the business date to "1 September 2022"
- When Admin creates a client with random data
- When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
- And Admin successfully approves the loan on "1 September 2022" with "1000" amount and expected disbursement date on "1 September 2022"
- Then Amounts are distributed equally in loan repayment schedule in case of total amount 1000
- When Admin successfully disburse the loan on "1 September 2022" with "900" EUR transaction amount
- Then Amounts are distributed equally in loan repayment schedule in case of total amount 900
-
- @TestRailId:C68
- Scenario: As admin I would like to be sure that approval of on loan can be undone
- When Admin sets the business date to "1 September 2022"
- When Admin creates a client with random data
- When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
- And Admin successfully approves the loan on "1 September 2022" with "1000" amount and expected disbursement date on "1 September 2022"
- Then Admin can successfully undone the loan approval
-
- @TestRailId:C69
- Scenario: As admin I would like to be sure that disbursal of on loan can be undone
- When Admin sets the business date to "1 September 2022"
- When Admin creates a client with random data
- When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
- And Admin successfully approves the loan on "1 September 2022" with "1000" amount and expected disbursement date on "1 September 2022"
- When Admin successfully disburse the loan on "1 September 2022" with "1000" EUR transaction amount
- Then Admin can successfully undone the loan disbursal
- Then Admin can successfully undone the loan approval
- And Admin successfully approves the loan on "1 September 2022" with "1000" amount and expected disbursement date on "1 September 2022"
-
- @TestRailId:C70
- Scenario: As admin I would like to be sure that submitted on date can be edited on loan
- When Admin sets the business date to "1 September 2022"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 September 2022"
- Then Admin can successfully modify the loan and changes the submitted on date to "31 August 2022"
-
- @TestRailId:C2454 @fraud
- Scenario: As admin I would like to set Fraud flag to a loan
- When Admin sets the business date to "1 September 2022"
- When Admin creates a client with random data
- When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
- And Admin successfully approves the loan on "1 September 2022" with "1000" amount and expected disbursement date on "1 September 2022"
- When Admin successfully disburse the loan on "1 September 2022" with "1000" EUR transaction amount
- Then Admin can successfully set Fraud flag to the loan
-
- @TestRailId:C2455 @fraud
- Scenario: As admin I would like to unset Fraud flag to a loan
- When Admin sets the business date to "1 September 2022"
- When Admin creates a client with random data
- When Admin successfully creates a new customised Loan submitted on date: "1 September 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
- And Admin successfully approves the loan on "1 September 2022" with "1000" amount and expected disbursement date on "1 September 2022"
- When Admin successfully disburse the loan on "1 September 2022" with "1000" EUR transaction amount
- Then Admin can successfully set Fraud flag to the loan
- Then Admin can successfully unset Fraud flag to the loan
-
-
- @TestRailId:C2456 @fraud
- Scenario: As admin I would like to try to add fraud flag on a not active loan
- When Admin sets the business date to "25 October 2022"
- When Admin creates a client with random data
- When Admin successfully creates a new customised Loan submitted on date: "25 October 2022", with Principal: "1000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
- And Admin successfully approves the loan on "25 October 2022" with "1000" amount and expected disbursement date on "25 October 2022"
- Then Admin can successfully unset Fraud flag to the loan
-
- @TestRailId:C2473 @idempotency
- Scenario: As admin I would like to verify that idempotency APIs can be called with the Idempotency-Key header
- When Admin sets the business date to "1 November 2022"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 November 2022"
- And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
- When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
- When Admin sets the business date to "15 November 2022"
- When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
- Then Loan has 1 "DISBURSEMENT" transactions on Transactions tab
- Then Loan has 1 "REPAYMENT" transactions on Transactions tab
-
- @TestRailId:C2474 @idempotency
- Scenario: As admin I would like to verify that idempotency APIs can be called without the Idempotency-Key header
- When Admin sets the business date to "1 November 2022"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 November 2022"
- And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
- When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
- When Admin sets the business date to "15 November 2022"
- When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and system-generated Idempotency key
- Then Loan has 1 "DISBURSEMENT" transactions on Transactions tab
- Then Loan has 1 "REPAYMENT" transactions on Transactions tab
-
- @TestRailId:C2475 @idempotency
- Scenario: As admin I would like to verify that idempotency applies correctly in a happy path scenario in case of REPAYMENT transaction
- When Admin sets the business date to "1 November 2022"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 November 2022"
- And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
- When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
- When Admin sets the business date to "15 November 2022"
- When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
- And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 November 2022" with 300 EUR transaction amount with the same Idempotency key as previous transaction
- Then Transaction response has boolean value in header "x-served-from-cache": "true"
- Then Transaction response has 200 EUR value for transaction amount
- Then Transaction response has the correct clientId and the loanId of the first transaction
- Then Loan has 1 "REPAYMENT" transactions on Transactions tab
-
- @TestRailId:C2476 @idempotency
- Scenario: As admin I would like to verify that idempotency applies correctly in a happy path scenario in case of GOODWILL_CREDIT transaction
- When Admin sets the business date to "1 November 2022"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 November 2022"
- And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
- When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
- When Admin sets the business date to "15 November 2022"
- When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 November 2022" with 1000 EUR transaction amount and system-generated Idempotency key
- When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
- And Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "15 November 2022" with 300 EUR transaction amount with the same Idempotency key as previous transaction
- Then Transaction response has boolean value in header "x-served-from-cache": "true"
- Then Transaction response has 200 EUR value for transaction amount
- Then Transaction response has the correct clientId and the loanId of the first transaction
- Then Loan has 1 "GOODWILL_CREDIT" transactions on Transactions tab
-
- @TestRailId:C2477 @idempotency
- Scenario: As admin I would like to verify that idempotency applies correctly in a happy path scenario in case of PAYOUT_REFUND transaction
- When Admin sets the business date to "1 November 2022"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 November 2022"
- And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
- When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
- When Admin sets the business date to "15 November 2022"
- When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
- And Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "15 November 2022" with 300 EUR transaction amount with the same Idempotency key as previous transaction
- Then Transaction response has boolean value in header "x-served-from-cache": "true"
- Then Transaction response has 200 EUR value for transaction amount
- Then Transaction response has the correct clientId and the loanId of the first transaction
- Then Loan has 1 "PAYOUT_REFUND" transactions on Transactions tab
-
- @TestRailId:C2478 @idempotency
- Scenario: As admin I would like to verify that idempotency applies correctly in a happy path scenario in case of MERCHANT_ISSUED_REFUND transaction
- When Admin sets the business date to "1 November 2022"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 November 2022"
- And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
- When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
- When Admin sets the business date to "15 November 2022"
- When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
- And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 November 2022" with 300 EUR transaction amount with the same Idempotency key as previous transaction
- Then Transaction response has boolean value in header "x-served-from-cache": "true"
- Then Transaction response has 200 EUR value for transaction amount
- Then Transaction response has the correct clientId and the loanId of the first transaction
- Then Loan has 1 "MERCHANT_ISSUED_REFUND" transactions on Transactions tab
-
- @TestRailId:C2482 @idempotency
- Scenario: As admin I would like to verify that idempotency applies correctly in case of client calls the same idempotency key on a second loan
- When Admin sets the business date to "1 November 2022"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 November 2022"
- And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
- When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
- When Admin crates a second default loan with date: "1 November 2022"
- And Admin successfully approves the second loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
- When Admin successfully disburse the second loan on "1 November 2022" with "1000" EUR transaction amount
- When Admin sets the business date to "15 November 2022"
- When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
- And Customer makes "REPAYMENT" transaction on the second loan with "AUTOPAY" payment type on "15 November 2022" with 300 EUR transaction amount with the same Idempotency key as previous transaction
- Then Transaction response has boolean value in header "x-served-from-cache": "true"
- Then Transaction response has 200 EUR value for transaction amount
- Then Transaction response has the correct clientId and the loanId of the first transaction
- Then Loan has 1 "REPAYMENT" transactions on Transactions tab
- Then Second loan has 0 "REPAYMENT" transactions on Transactions tab
-
-# TODO unskip and check when PS-1106 is done
- @Skip @TestRailId:C2483 @idempotency
- Scenario: As admin I would like to verify that idempotency applies correctly in case of a second client calls the same idempotency key on a second loan
- When Admin sets the business date to "1 November 2022"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 November 2022"
- And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
- When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
- When Admin creates a second client with random data
- When Admin crates a second default loan for the second client with date: "1 November 2022"
- And Admin successfully approves the second loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
- When Admin successfully disburse the second loan on "1 November 2022" with "1000" EUR transaction amount
- When Admin sets the business date to "15 November 2022"
- When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
- And Customer makes "REPAYMENT" transaction on the second loan with "AUTOPAY" payment type on "15 November 2022" with 300 EUR transaction amount with the same Idempotency key as previous transaction
- Then Transaction response has boolean value in header "x-served-from-cache": "true"
- Then Transaction response has 300 EUR value for transaction amount
- Then Transaction response has the clientId for the second client and the loanId of the second transaction
- Then Loan has 1 "REPAYMENT" transactions on Transactions tab
- Then Second loan has 1 "REPAYMENT" transactions on Transactions tab
-
- @TestRailId:C2479
- Scenario: As admin I would like to be sure that goodwill credit transaction is working properly
- When Admin sets the business date to "1 November 2022"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 November 2022"
- And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
- When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
- When Admin sets the business date to "15 November 2022"
- And Customer makes "AUTOPAY" repayment on "15 November 2022" with 1000 EUR transaction amount
- When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
- Then Loan has 1 "GOODWILL_CREDIT" transactions on Transactions tab
-
- @TestRailId:C2480
- Scenario: As admin I would like to be sure that payout refund transaction is working properly
- When Admin sets the business date to "1 November 2022"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 November 2022"
- And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
- When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
- When Admin sets the business date to "15 November 2022"
- And Customer makes "AUTOPAY" repayment on "15 November 2022" with 1000 EUR transaction amount
- When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
- Then Loan has 1 "PAYOUT_REFUND" transactions on Transactions tab
-
- @TestRailId:C2481
- Scenario: As admin I would like to be sure that merchant issued refund transaction is working properly
- When Admin sets the business date to "1 November 2022"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 November 2022"
- And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
- When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
- When Admin sets the business date to "15 November 2022"
- And Customer makes "AUTOPAY" repayment on "15 November 2022" with 1000 EUR transaction amount
- When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 November 2022" with 200 EUR transaction amount and self-generated Idempotency key
- Then Loan has 1 "MERCHANT_ISSUED_REFUND" transactions on Transactions tab
-
- @TestRailId:C2488
- Scenario: As admin I would like to be sure that no multiple status change event got raised during transaction replaying
- When Admin sets the business date to "1 November 2022"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 November 2022"
- And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
- Then Loan status has changed to "Approved"
- When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
- Then Loan status has changed to "Active"
- When Admin sets the business date to "2 November 2022"
- And Customer makes "AUTOPAY" repayment on "2 November 2022" with 500 EUR transaction amount
- When Admin sets the business date to "3 November 2022"
- And Customer makes "AUTOPAY" repayment on "3 November 2022" with 100 EUR transaction amount
- When Admin sets the business date to "4 November 2022"
- And Customer makes "AUTOPAY" repayment on "4 November 2022" with 600 EUR transaction amount
- Then Loan status has changed to "Overpaid"
- When Customer undo "2"th repayment on "4 November 2022"
- Then No new event with type "LoanStatusChangedEvent" has been raised for the loan
- When Customer undo "1"th repayment on "4 November 2022"
- Then Loan status has changed to "Active"
-
- @TestRailId:C2489
- Scenario: As admin I would like to charge-off a loan and be sure the event was triggered
- When Admin sets the business date to "1 November 2022"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 November 2022"
- And Admin successfully approves the loan on "1 November 2022" with "1000" amount and expected disbursement date on "1 November 2022"
- When Admin successfully disburse the loan on "1 November 2022" with "1000" EUR transaction amount
- When Admin sets the business date to "2 November 2022"
- And Customer makes "AUTOPAY" repayment on "2 November 2022" with 500 EUR transaction amount
- When Admin sets the business date to "3 November 2022"
- And Admin does charge-off the loan on "3 November 2022"
- Then Loan marked as charged-off on "03 November 2022"
-
- @TestRailId:C2491
- Scenario: As a user I would like to do multiple repayment, overpay the loan and reverse-replaying transactions and check outstanding balance
- When Admin sets the business date to "01 November 2022"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "01 November 2022"
- And Admin successfully approves the loan on "01 November 2022" with "1000" amount and expected disbursement date on "01 November 2022"
- When Admin successfully disburse the loan on "01 November 2022" with "1000" EUR transaction amount
- Then Loan has 1000 outstanding amount
- When Admin sets the business date to "02 November 2022"
- And Customer makes "AUTOPAY" repayment on "02 November 2022" with 500 EUR transaction amount
- Then Loan Transactions tab has a transaction with date: "02 November 2022", and with the following data:
- | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
- | Repayment | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
- Then Loan has 500 outstanding amount
- When Admin sets the business date to "03 November 2022"
- And Customer makes "AUTOPAY" repayment on "03 November 2022" with 10 EUR transaction amount
- Then Loan Transactions tab has a transaction with date: "03 November 2022", and with the following data:
- | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
- | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 490.0 |
- Then Loan has 490 outstanding amount
- When Admin sets the business date to "04 November 2022"
- And Customer makes "AUTOPAY" repayment on "04 November 2022" with 400 EUR transaction amount
- Then Loan Transactions tab has a transaction with date: "04 November 2022", and with the following data:
- | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
- | Repayment | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 90.0 |
- Then Loan has 90 outstanding amount
- When Admin sets the business date to "05 November 2022"
- And Customer makes "AUTOPAY" repayment on "05 November 2022" with 390 EUR transaction amount
- Then Loan Transactions tab has a transaction with date: "05 November 2022", and with the following data:
- | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
- | Repayment | 390.0 | 90.0 | 0.0 | 0.0 | 0.0 | 0.0 |
- Then Loan has 300 overpaid amount
- When Customer undo "2"th repayment on "04 November 2022"
- Then In Loan Transactions the "3"th Transaction has Transaction type="Repayment" and is reverted
- Then Loan Transactions tab has a transaction with date: "04 November 2022", and with the following data:
- | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
- | Repayment | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 |
- Then Loan Transactions tab has a transaction with date: "05 November 2022", and with the following data:
- | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
- | Repayment | 390.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
- Then Loan has 290 overpaid amount
- When Customer undo "1"th repayment on "04 November 2022"
- Then In Loan Transactions the "2"th Transaction has Transaction type="Repayment" and is reverted
- Then In Loan Transactions the "3"th Transaction has Transaction type="Repayment" and is reverted
- Then Loan Transactions tab has a transaction with date: "04 November 2022", and with the following data:
- | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
- | Repayment | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 600.0 |
- Then Loan Transactions tab has a transaction with date: "05 November 2022", and with the following data:
- | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
- | Repayment | 390.0 | 390.0 | 0.0 | 0.0 | 0.0 | 210.0 |
- Then Loan has 210 outstanding amount
- And Customer makes "AUTOPAY" repayment on "02 November 2022" with 500 EUR transaction amount
- Then Loan has 290 overpaid amount
-
- @TestRailId:C2502
- Scenario: Verify that Loan status goes from active to overpaid in case of Goodwill credit transaction when transaction amount is greater than balance
- When Admin sets the business date to "1 January 2023"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 January 2023"
- And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
- When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
- When Admin sets the business date to "3 January 2023"
- And Customer makes "AUTOPAY" repayment on "3 January 2023" with 450 EUR transaction amount
- When Admin sets the business date to "5 January 2023"
- And Customer makes "AUTOPAY" repayment on "5 January 2023" with 250 EUR transaction amount
- Then Loan status will be "ACTIVE"
- Then Loan has 300 outstanding amount
- When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "5 January 2023" with 400 EUR transaction amount and system-generated Idempotency key
- Then Loan status will be "OVERPAID"
- Then Loan has 0 outstanding amount
- Then Loan has 100 overpaid amount
- Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | 1000.0 | |
- | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
- Then Loan Transactions tab has a "REPAYMENT" transaction with date "03 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | | 450.0 |
- | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
- Then Loan Transactions tab has a "REPAYMENT" transaction with date "05 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | | 250.0 |
- | LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
- Then Loan Transactions tab has a "GOODWILL_CREDIT" transaction with date "05 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | | 300.0 |
- | LIABILITY | l1 | Overpayment account | | 100.0 |
- | EXPENSE | 744003 | Goodwill Expense Account | 400.0 | |
-
- @TestRailId:C2503
- Scenario: Verify that Loan status goes from active to overpaid in case of Backdated 3rd repayment when transaction amount is greater than balance
- When Admin sets the business date to "1 January 2023"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 January 2023"
- And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
- When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
- When Admin sets the business date to "3 January 2023"
- And Customer makes "AUTOPAY" repayment on "3 January 2023" with 450 EUR transaction amount
- When Admin sets the business date to "5 January 2023"
- And Customer makes "AUTOPAY" repayment on "5 January 2023" with 250 EUR transaction amount
- Then Loan status will be "ACTIVE"
- Then Loan has 300 outstanding amount
- And Customer makes "AUTOPAY" repayment on "2 January 2023" with 400 EUR transaction amount
- Then Loan status will be "OVERPAID"
- Then Loan has 0 outstanding amount
- Then Loan has 100 overpaid amount
- Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | 1000.0 | |
- | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
- Then Loan Transactions tab has a "REPAYMENT" transaction with date "02 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | | 400.0 |
- | LIABILITY | 145023 | Suspense/Clearing account | 400.0 | |
- Then Loan Transactions tab has a "REPAYMENT" transaction with date "03 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | | 450.0 |
- | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
- Then Loan Transactions tab has a "REPAYMENT" transaction with date "05 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | | 150.0 |
- | LIABILITY | l1 | Overpayment account | | 100.0 |
- | LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
-
-
- @TestRailId:C2504
- Scenario: Verify that Loan status goes from overpaid to active in case of Chargeback transaction when transaction amount is greater than overpaid amount
- When Admin sets the business date to "1 January 2023"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 January 2023"
- And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
- When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
- When Admin sets the business date to "3 January 2023"
- And Customer makes "AUTOPAY" repayment on "3 January 2023" with 450 EUR transaction amount
- When Admin sets the business date to "5 January 2023"
- And Customer makes "AUTOPAY" repayment on "5 January 2023" with 450 EUR transaction amount
- And Customer makes "AUTOPAY" repayment on "5 January 2023" with 300 EUR transaction amount
- Then Loan status will be "OVERPAID"
- Then Loan has 0 outstanding amount
- Then Loan has 200 overpaid amount
- When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 300 EUR transaction amount
- Then Loan status will be "ACTIVE"
- Then Loan has 100 outstanding amount
- Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | 1000.0 | |
- | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
- Then Loan Transactions tab has a "REPAYMENT" transaction with date "03 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | | 450.0 |
- | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
- Then Loan Transactions tab has a "REPAYMENT" transaction with date "05 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | | 450.0 |
- | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
- | ASSET | 112601 | Loans Receivable | | 100.0 |
- | LIABILITY | l1 | Overpayment account | | 200.0 |
- | LIABILITY | 145023 | Suspense/Clearing account | 300.0 | |
- Then Loan Transactions tab has a "CHARGEBACK" transaction with date "05 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | 100.0 | |
- | LIABILITY | 145023 | Suspense/Clearing account | | 300.0 |
- | LIABILITY | l1 | Overpayment account | 200.0 | |
-
- @TestRailId:C2506
- Scenario: Verify that Loan status goes from overpaid to active in case of 1st repayment is undone
- When Admin sets the business date to "1 January 2023"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 January 2023"
- And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
- When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
- When Admin sets the business date to "3 January 2023"
- And Customer makes "AUTOPAY" repayment on "3 January 2023" with 450 EUR transaction amount
- When Admin sets the business date to "5 January 2023"
- And Customer makes "AUTOPAY" repayment on "5 January 2023" with 450 EUR transaction amount
- And Customer makes "AUTOPAY" repayment on "5 January 2023" with 300 EUR transaction amount
- Then Loan status will be "OVERPAID"
- Then Loan has 0 outstanding amount
- Then Loan has 200 overpaid amount
- When Customer undo "1"th repayment on "3 January 2023"
- Then Loan status will be "ACTIVE"
- Then Loan has 250 outstanding amount
- Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | 1000.0 | |
- | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
- Then Loan Transactions tab has a "REPAYMENT" transaction with date "03 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | | 450.0 |
- | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
- | ASSET | 112601 | Loans Receivable | 450.0 | |
- | LIABILITY | 145023 | Suspense/Clearing account | | 450.0 |
- Then Loan Transactions tab has a "REPAYMENT" transaction with date "05 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | | 450.0 |
- | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
- | ASSET | 112601 | Loans Receivable | | 300.0 |
- | LIABILITY | 145023 | Suspense/Clearing account | 300.0 | |
-
- @TestRailId:C2507
- Scenario: Verify that Loan status goes from active to closed in case of Goodwill credit transaction when transaction amount equals balance
- When Admin sets the business date to "1 January 2023"
- When Admin creates a client with random data
- When Admin creates a new default Loan with date: "1 January 2023"
- And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
- When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
- When Admin sets the business date to "3 January 2023"
- And Customer makes "AUTOPAY" repayment on "3 January 2023" with 450 EUR transaction amount
- When Admin sets the business date to "5 January 2023"
- And Customer makes "AUTOPAY" repayment on "5 January 2023" with 250 EUR transaction amount
- Then Loan status will be "ACTIVE"
- Then Loan has 300 outstanding amount
- When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "5 January 2023" with 300 EUR transaction amount and system-generated Idempotency key
- Then Loan status will be "CLOSED_OBLIGATIONS_MET"
- Then Loan has 0 outstanding amount
- Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | 1000.0 | |
- | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
- Then Loan Transactions tab has a "REPAYMENT" transaction with date "03 January 2023" which has the following Journal entries:
- | Type | Account code | Account name | Debit | Credit |
- | ASSET | 112601 | Loans Receivable | | 450.0 |
- | LIABILITY | 145023 | Suspense/Clearing account | 450.0 | |
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