| /** |
| * Licensed to the Apache Software Foundation (ASF) under one |
| * or more contributor license agreements. See the NOTICE file |
| * distributed with this work for additional information |
| * regarding copyright ownership. The ASF licenses this file |
| * to you under the Apache License, Version 2.0 (the |
| * "License"); you may not use this file except in compliance |
| * with the License. You may obtain a copy of the License at |
| * |
| * http://www.apache.org/licenses/LICENSE-2.0 |
| * |
| * Unless required by applicable law or agreed to in writing, |
| * software distributed under the License is distributed on an |
| * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY |
| * KIND, either express or implied. See the License for the |
| * specific language governing permissions and limitations |
| * under the License. |
| */ |
| package org.apache.fineract.integrationtests; |
| |
| import static org.apache.fineract.integrationtests.common.loans.LoanApplicationTestBuilder.DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE_STRATEGY; |
| |
| import java.math.BigDecimal; |
| import java.time.LocalDate; |
| import java.util.stream.Stream; |
| import org.apache.fineract.client.models.PostLoanProductsRequest; |
| import org.apache.fineract.client.models.PostLoanProductsResponse; |
| import org.apache.fineract.client.models.PostLoansRequest; |
| import org.apache.fineract.client.models.PostLoansResponse; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.AdvancedPaymentScheduleTransactionProcessor; |
| import org.apache.fineract.portfolio.loanproduct.domain.RepaymentStartDateType; |
| import org.junit.jupiter.api.Named; |
| import org.junit.jupiter.params.ParameterizedTest; |
| import org.junit.jupiter.params.provider.Arguments; |
| import org.junit.jupiter.params.provider.MethodSource; |
| |
| public class LoanDueCalculationTest extends BaseLoanIntegrationTest { |
| |
| private static Stream<Arguments> processingStrategy() { |
| return Stream.of( |
| Arguments.of(Named.of("originalStrategy", |
| DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE_STRATEGY)), // |
| Arguments.of(Named.of("advancedStrategy", AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY)) // |
| ); |
| } |
| |
| // Repayment dates are calculated from the provided date (2024-02-29). As repayment starting date was provided, it |
| // overrules `repayment start date type` configuration |
| @ParameterizedTest |
| @MethodSource("processingStrategy") |
| public void dueDateBasedOnFirstRepaymentDate(String repaymentProcessor) { |
| runAt("2 February 2024", () -> { |
| // Client and Loan account creation |
| final Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| PostLoanProductsRequest loanProductsRequest = create4Period1MonthLongWithoutInterestProduct(repaymentProcessor); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| PostLoansRequest loanRequest = applyLoanRequest(clientId, loanProductResponse.getResourceId(), "2024-01-31", 1000.0, 4, |
| (postLoansRequest) -> { |
| postLoansRequest.transactionProcessingStrategyCode(repaymentProcessor).repaymentEvery(1).repaymentFrequencyType(2) |
| .loanTermFrequency(4).loanTermFrequencyType(2).dateFormat("yyyy-MM-dd") |
| .repaymentsStartingFromDate(LocalDate.of(2024, 2, 29)); |
| }); |
| PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(loanRequest); |
| verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "31 January 2024"), // |
| installment(250.0, false, "29 February 2024"), // |
| installment(250.0, false, "29 March 2024"), // |
| installment(250.0, false, "29 April 2024"), // |
| installment(250.0, false, "29 May 2024")) // |
| ; |
| |
| loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(), approveLoanRequest(1000.0, "31 January 2024")); |
| |
| verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "31 January 2024"), // |
| installment(250.0, false, "29 February 2024"), // |
| installment(250.0, false, "29 March 2024"), // |
| installment(250.0, false, "29 April 2024"), // |
| installment(250.0, false, "29 May 2024")) // |
| ; |
| |
| disburseLoan(postLoansResponse.getLoanId(), BigDecimal.valueOf(1000.00), "31 January 2024"); |
| |
| verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "31 January 2024"), // |
| installment(250.0, false, "29 February 2024"), // |
| installment(250.0, false, "29 March 2024"), // |
| installment(250.0, false, "29 April 2024"), // |
| installment(250.0, false, "29 May 2024")) // |
| ; |
| |
| }); |
| } |
| |
| // Repayment dates are calculated based on `repayment start date type` configuration(=Expected disbursement date). |
| // Expected disbursement date `2024-01-30`, |
| // which is used to generate repayment due date when loan got submitted and approved, however the loan got disbursed |
| // on `2024-01-31`, |
| // the repayment schedule reflects the "new date" after it got disbursed |
| @ParameterizedTest |
| @MethodSource("processingStrategy") |
| public void dueDateBasedOnExpectedDisbursementDate(String repaymentProcessor) { |
| runAt("31 March 2024", () -> { |
| // Client and Loan account creation |
| final Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| PostLoanProductsRequest loanProductsRequest = create4Period1MonthLongWithoutInterestProduct(repaymentProcessor) |
| .repaymentStartDateType(RepaymentStartDateType.DISBURSEMENT_DATE.getValue()); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| PostLoansRequest loanRequest = applyLoanRequest(clientId, loanProductResponse.getResourceId(), "2024-01-30", 1000.0, 4, |
| (postLoansRequest) -> { |
| postLoansRequest.transactionProcessingStrategyCode(repaymentProcessor).repaymentEvery(1).repaymentFrequencyType(2) |
| .loanTermFrequency(4).loanTermFrequencyType(2).dateFormat("yyyy-MM-dd"); |
| }); |
| PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(loanRequest); |
| verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "30 January 2024"), // |
| installment(250.0, false, "29 February 2024"), // |
| installment(250.0, false, "30 March 2024"), // |
| installment(250.0, false, "30 April 2024"), // |
| installment(250.0, false, "30 May 2024")) // |
| ; |
| |
| loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(), approveLoanRequest(1000.0, "31 January 2024")); |
| |
| verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "30 January 2024"), // |
| installment(250.0, false, "29 February 2024"), // |
| installment(250.0, false, "30 March 2024"), // |
| installment(250.0, false, "30 April 2024"), // |
| installment(250.0, false, "30 May 2024")) // |
| ; |
| |
| disburseLoan(postLoansResponse.getLoanId(), BigDecimal.valueOf(1000.00), "31 March 2024"); |
| |
| verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "31 March 2024"), // |
| installment(250.0, false, "30 April 2024"), // |
| installment(250.0, false, "31 May 2024"), // |
| installment(250.0, false, "30 June 2024"), // |
| installment(250.0, false, "31 July 2024")) // |
| ; |
| }); |
| } |
| |
| // Repayment dates are calculated based on `repayment start date type` configuration(=Submitted on date). Submitted |
| // on date is `2024-01-31`, |
| // and even the expected disbursement date is `2024-02-01`, the generated repayment schedule honors the submitted on |
| // date |
| // when it got disbursed on `2024-02-03`, the repayment schedule due dates got no changed. |
| @ParameterizedTest |
| @MethodSource("processingStrategy") |
| public void dueDateBasedOnSubmittedOnDate(String repaymentProcessor) { |
| runAt("03 February 2024", () -> { |
| // Client and Loan account creation |
| final Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| PostLoanProductsRequest loanProductsRequest = create4Period1MonthLongWithoutInterestProduct(repaymentProcessor) |
| .repaymentStartDateType(RepaymentStartDateType.SUBMITTED_ON_DATE.getValue()); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| PostLoansRequest loanRequest = applyLoanRequest(clientId, loanProductResponse.getResourceId(), "2024-02-01", 1000.0, 4, |
| (postLoansRequest) -> { |
| postLoansRequest.transactionProcessingStrategyCode(repaymentProcessor).repaymentEvery(1).repaymentFrequencyType(2) |
| .loanTermFrequency(4).loanTermFrequencyType(2).submittedOnDate("2024-01-31").dateFormat("yyyy-MM-dd"); |
| }); |
| PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(loanRequest); |
| verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "31 January 2024"), // |
| installment(250.0, false, "29 February 2024"), // |
| installment(250.0, false, "31 March 2024"), // |
| installment(250.0, false, "30 April 2024"), // |
| installment(250.0, false, "31 May 2024")) // |
| ; |
| |
| loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(), approveLoanRequest(1000.0, "31 January 2024")); |
| |
| verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "31 January 2024"), // |
| installment(250.0, false, "29 February 2024"), // |
| installment(250.0, false, "31 March 2024"), // |
| installment(250.0, false, "30 April 2024"), // |
| installment(250.0, false, "31 May 2024")) // |
| ; |
| |
| disburseLoan(postLoansResponse.getLoanId(), BigDecimal.valueOf(1000.00), "03 February 2024"); |
| |
| verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "01 February 2024"), // |
| installment(250.0, false, "29 February 2024"), // |
| installment(250.0, false, "31 March 2024"), // |
| installment(250.0, false, "30 April 2024"), // |
| installment(250.0, false, "31 May 2024")) // |
| ; |
| }); |
| } |
| |
| // Repayment dates are calculated based on `repayment start date type` configuration(=Submitted on date). Submitted |
| // on date is `2024-01-31 the expected disbursement date is `2024-02-26`, the minimum days between disbursement and |
| // first repayment is 10 days |
| // so the repayment schedule got amended accordingly |
| @ParameterizedTest |
| @MethodSource("processingStrategy") |
| public void dueDateBasedOnSubmittedOnDateButThereShallBeMinimumDaysBetweenDisbursementAndFirstRepayment(String repaymentProcessor) { |
| runAt("31 January 2024", () -> { |
| // Client and Loan account creation |
| final Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| PostLoanProductsRequest loanProductsRequest = create4Period1MonthLongWithoutInterestProduct(repaymentProcessor) |
| .repaymentStartDateType(RepaymentStartDateType.SUBMITTED_ON_DATE.getValue()) |
| .minimumDaysBetweenDisbursalAndFirstRepayment(10); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| PostLoansRequest loanRequest = applyLoanRequest(clientId, loanProductResponse.getResourceId(), "2024-02-26", 1000.0, 4, |
| (postLoansRequest) -> { |
| postLoansRequest.transactionProcessingStrategyCode(repaymentProcessor).repaymentEvery(1).repaymentFrequencyType(2) |
| .loanTermFrequency(4).loanTermFrequencyType(2).submittedOnDate("2024-01-31").dateFormat("yyyy-MM-dd"); |
| }); |
| PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(loanRequest); |
| verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "31 January 2024"), // |
| installment(250.0, false, "07 March 2024"), // |
| installment(250.0, false, "07 April 2024"), // |
| installment(250.0, false, "07 May 2024"), // |
| installment(250.0, false, "07 June 2024")) // |
| ; |
| |
| loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(), approveLoanRequest(1000.0, "31 January 2024")); |
| |
| verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "31 January 2024"), // |
| installment(250.0, false, "07 March 2024"), // |
| installment(250.0, false, "07 April 2024"), // |
| installment(250.0, false, "07 May 2024"), // |
| installment(250.0, false, "07 June 2024")) // |
| ; |
| |
| disburseLoan(postLoansResponse.getLoanId(), BigDecimal.valueOf(1000.00), "31 January 2024"); |
| |
| verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "31 January 2024"), // |
| installment(250.0, false, "07 March 2024"), // |
| installment(250.0, false, "07 April 2024"), // |
| installment(250.0, false, "07 May 2024"), // |
| installment(250.0, false, "07 June 2024")) // |
| ; |
| }); |
| } |
| |
| // Repayment dates are calculated based on `repayment start date type` configuration(=Disbursement date). Submitted |
| // on date is `2024-01-31 the expected disbursement date is `2024-02-26`, the minimum days between disbursement and |
| // first repayment is 36 days |
| // so the repayment schedule got amended accordingly |
| @ParameterizedTest |
| @MethodSource("processingStrategy") |
| public void dueDateBasedOnExpectedDisbursalDateButThereShallBeMinimumDaysBetweenDisbursementAndFirstRepayment( |
| String repaymentProcessor) { |
| runAt("31 January 2024", () -> { |
| // Client and Loan account creation |
| final Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| PostLoanProductsRequest loanProductsRequest = create4Period1MonthLongWithoutInterestProduct(repaymentProcessor) |
| .repaymentStartDateType(RepaymentStartDateType.DISBURSEMENT_DATE.getValue()) |
| .minimumDaysBetweenDisbursalAndFirstRepayment(36); |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest); |
| |
| PostLoansRequest loanRequest = applyLoanRequest(clientId, loanProductResponse.getResourceId(), "2024-01-31", 1000.0, 4, |
| (postLoansRequest) -> { |
| postLoansRequest.transactionProcessingStrategyCode(repaymentProcessor).repaymentEvery(1).repaymentFrequencyType(2) |
| .loanTermFrequency(4).loanTermFrequencyType(2).submittedOnDate("2024-01-31").dateFormat("yyyy-MM-dd"); |
| }); |
| PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(loanRequest); |
| verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "31 January 2024"), // |
| installment(250.0, false, "07 March 2024"), // |
| installment(250.0, false, "07 April 2024"), // |
| installment(250.0, false, "07 May 2024"), // |
| installment(250.0, false, "07 June 2024")) // |
| ; |
| |
| loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(), approveLoanRequest(1000.0, "31 January 2024")); |
| |
| verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "31 January 2024"), // |
| installment(250.0, false, "07 March 2024"), // |
| installment(250.0, false, "07 April 2024"), // |
| installment(250.0, false, "07 May 2024"), // |
| installment(250.0, false, "07 June 2024")) // |
| ; |
| |
| disburseLoan(postLoansResponse.getLoanId(), BigDecimal.valueOf(1000.00), "31 January 2024"); |
| |
| verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "31 January 2024"), // |
| installment(250.0, false, "07 March 2024"), // |
| installment(250.0, false, "07 April 2024"), // |
| installment(250.0, false, "07 May 2024"), // |
| installment(250.0, false, "07 June 2024")) // |
| ; |
| }); |
| } |
| } |
