FINERACT-1981: Fix down-payment handling on overpaid loan (Advanced payment allocation loan)
diff --git a/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/Loan.java b/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/Loan.java
index 5f7275f..8c7b424 100644
--- a/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/Loan.java
+++ b/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/Loan.java
@@ -2955,7 +2955,7 @@
}
- public LoanTransaction handleDownPayment(final BigDecimal disbursedAmount, final JsonCommand command,
+ public LoanTransaction handleDownPayment(final LoanTransaction disbursementTransaction, final JsonCommand command,
final ScheduleGeneratorDTO scheduleGeneratorDTO) {
LocalDate disbursedOn = command.localDateValueOfParameterNamed(ACTUAL_DISBURSEMENT_DATE);
BigDecimal disbursedAmountPercentageForDownPayment = this.loanRepaymentScheduleDetail.getDisbursedAmountPercentageForDownPayment();
@@ -2964,19 +2964,26 @@
externalId = ExternalId.generate();
}
Money downPaymentMoney = Money.of(getCurrency(),
- MathUtil.percentageOf(disbursedAmount, disbursedAmountPercentageForDownPayment, 19));
- LoanTransaction downPaymentTransaction = LoanTransaction.downPayment(getOffice(), downPaymentMoney, null, disbursedOn, externalId);
+ MathUtil.percentageOf(disbursementTransaction.getAmount(), disbursedAmountPercentageForDownPayment, 19));
- LoanEvent event = LoanEvent.LOAN_REPAYMENT_OR_WAIVER;
- validateRepaymentTypeAccountStatus(downPaymentTransaction, event);
- HolidayDetailDTO holidayDetailDTO = scheduleGeneratorDTO.getHolidayDetailDTO();
- validateRepaymentDateIsOnHoliday(downPaymentTransaction.getTransactionDate(), holidayDetailDTO.isAllowTransactionsOnHoliday(),
- holidayDetailDTO.getHolidays());
- validateRepaymentDateIsOnNonWorkingDay(downPaymentTransaction.getTransactionDate(), holidayDetailDTO.getWorkingDays(),
- holidayDetailDTO.isAllowTransactionsOnNonWorkingDay());
+ Money adjustedDownPaymentMoney = MathUtil
+ .negativeToZero(downPaymentMoney.minus(disbursementTransaction.getOverPaymentPortion(getCurrency())));
+ if (adjustedDownPaymentMoney.isGreaterThanZero()) {
+ LoanTransaction downPaymentTransaction = LoanTransaction.downPayment(getOffice(), adjustedDownPaymentMoney, null, disbursedOn,
+ externalId);
+ LoanEvent event = LoanEvent.LOAN_REPAYMENT_OR_WAIVER;
+ validateRepaymentTypeAccountStatus(downPaymentTransaction, event);
+ HolidayDetailDTO holidayDetailDTO = scheduleGeneratorDTO.getHolidayDetailDTO();
+ validateRepaymentDateIsOnHoliday(downPaymentTransaction.getTransactionDate(), holidayDetailDTO.isAllowTransactionsOnHoliday(),
+ holidayDetailDTO.getHolidays());
+ validateRepaymentDateIsOnNonWorkingDay(downPaymentTransaction.getTransactionDate(), holidayDetailDTO.getWorkingDays(),
+ holidayDetailDTO.isAllowTransactionsOnNonWorkingDay());
- handleRepaymentOrRecoveryOrWaiverTransaction(downPaymentTransaction, loanLifecycleStateMachine, null, scheduleGeneratorDTO);
- return downPaymentTransaction;
+ handleRepaymentOrRecoveryOrWaiverTransaction(downPaymentTransaction, loanLifecycleStateMachine, null, scheduleGeneratorDTO);
+ return downPaymentTransaction;
+ } else {
+ return null;
+ }
}
public boolean isAutoRepaymentForDownPaymentEnabled() {
diff --git a/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java b/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java
index 1afa4f6..53de2b0 100644
--- a/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java
+++ b/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java
@@ -465,10 +465,13 @@
newLoanTransaction.adjustInterestComponent(currency);
}
/*
- * Check if the transaction amounts have changed. If so, reverse the original transaction and update
- * changedTransactionDetail accordingly
+ * Check if the transaction amounts have changed or was there any transaction for the same date which was
+ * reverse-replayed. If so, reverse the original transaction and update changedTransactionDetail accordingly
*/
- if (LoanTransaction.transactionAmountsMatch(currency, loanTransaction, newLoanTransaction)) {
+ boolean aTransactionWasAlreadyReplayedForTheSameDate = changedTransactionDetail.getNewTransactionMappings().values().stream()
+ .anyMatch(lt -> lt.getTransactionDate().equals(loanTransaction.getTransactionDate()));
+ if (LoanTransaction.transactionAmountsMatch(currency, loanTransaction, newLoanTransaction)
+ && !aTransactionWasAlreadyReplayedForTheSameDate) {
loanTransaction.updateLoanTransactionToRepaymentScheduleMappings(
newLoanTransaction.getLoanTransactionToRepaymentScheduleMappings());
} else {
@@ -503,6 +506,7 @@
private void updateLoanSchedule(LoanTransaction disbursementTransaction, MonetaryCurrency currency,
List<LoanRepaymentScheduleInstallment> installments, MoneyHolder overpaymentHolder) {
+ disbursementTransaction.resetDerivedComponents();
final MathContext mc = MoneyHelper.getMathContext();
List<LoanRepaymentScheduleInstallment> candidateRepaymentInstallments = installments.stream().filter(
i -> i.getDueDate().isAfter(disbursementTransaction.getTransactionDate()) && !i.isDownPayment() && !i.isAdditional())
@@ -570,9 +574,7 @@
transactionAmountUnprocessed = processPeriodsVertically(loanTransaction, currency, installments,
overpaymentHolder.getMoneyObject(), defaultPaymentAllocationRule, transactionMappings, Set.of(), balances);
}
- if (transactionAmountUnprocessed != null && transactionAmountUnprocessed.isGreaterThanZero()) {
- overpaymentHolder.setMoneyObject(transactionAmountUnprocessed);
- }
+ overpaymentHolder.setMoneyObject(transactionAmountUnprocessed);
loanTransaction.updateLoanTransactionToRepaymentScheduleMappings(transactionMappings);
}
}
diff --git a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanDownPaymentHandlerService.java b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanDownPaymentHandlerService.java
index 1bf1564..57ee4e9 100644
--- a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanDownPaymentHandlerService.java
+++ b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanDownPaymentHandlerService.java
@@ -19,12 +19,12 @@
package org.apache.fineract.portfolio.loanaccount.service;
import org.apache.fineract.infrastructure.core.api.JsonCommand;
-import org.apache.fineract.organisation.monetary.domain.Money;
import org.apache.fineract.portfolio.loanaccount.data.ScheduleGeneratorDTO;
import org.apache.fineract.portfolio.loanaccount.domain.Loan;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
public interface LoanDownPaymentHandlerService {
- LoanTransaction handleDownPayment(ScheduleGeneratorDTO scheduleGeneratorDTO, JsonCommand command, Money amountToDisburse, Loan loan);
+ LoanTransaction handleDownPayment(ScheduleGeneratorDTO scheduleGeneratorDTO, JsonCommand command,
+ LoanTransaction disbursementTransaction, Loan loan);
}
diff --git a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanDownPaymentHandlerServiceImpl.java b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanDownPaymentHandlerServiceImpl.java
index 1825fff..8fdc76e 100644
--- a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanDownPaymentHandlerServiceImpl.java
+++ b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanDownPaymentHandlerServiceImpl.java
@@ -25,7 +25,6 @@
import org.apache.fineract.infrastructure.event.business.domain.loan.transaction.LoanTransactionDownPaymentPostBusinessEvent;
import org.apache.fineract.infrastructure.event.business.domain.loan.transaction.LoanTransactionDownPaymentPreBusinessEvent;
import org.apache.fineract.infrastructure.event.business.service.BusinessEventNotifierService;
-import org.apache.fineract.organisation.monetary.domain.Money;
import org.apache.fineract.portfolio.loanaccount.data.ScheduleGeneratorDTO;
import org.apache.fineract.portfolio.loanaccount.domain.Loan;
import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
@@ -39,13 +38,15 @@
private final BusinessEventNotifierService businessEventNotifierService;
@Override
- public LoanTransaction handleDownPayment(ScheduleGeneratorDTO scheduleGeneratorDTO, JsonCommand command, Money amountToDisburse,
- Loan loan) {
+ public LoanTransaction handleDownPayment(ScheduleGeneratorDTO scheduleGeneratorDTO, JsonCommand command,
+ LoanTransaction disbursementTransaction, Loan loan) {
businessEventNotifierService.notifyPreBusinessEvent(new LoanTransactionDownPaymentPreBusinessEvent(loan));
- LoanTransaction downPaymentTransaction = loan.handleDownPayment(amountToDisburse.getAmount(), command, scheduleGeneratorDTO);
- LoanTransaction savedLoanTransaction = loanTransactionRepository.saveAndFlush(downPaymentTransaction);
- businessEventNotifierService.notifyPostBusinessEvent(new LoanTransactionDownPaymentPostBusinessEvent(savedLoanTransaction));
- businessEventNotifierService.notifyPostBusinessEvent(new LoanBalanceChangedBusinessEvent(loan));
- return savedLoanTransaction;
+ LoanTransaction downPaymentTransaction = loan.handleDownPayment(disbursementTransaction, command, scheduleGeneratorDTO);
+ if (downPaymentTransaction != null) {
+ downPaymentTransaction = loanTransactionRepository.saveAndFlush(downPaymentTransaction);
+ businessEventNotifierService.notifyPostBusinessEvent(new LoanTransactionDownPaymentPostBusinessEvent(downPaymentTransaction));
+ businessEventNotifierService.notifyPostBusinessEvent(new LoanBalanceChangedBusinessEvent(loan));
+ }
+ return downPaymentTransaction;
}
}
diff --git a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanWritePlatformServiceJpaRepositoryImpl.java b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanWritePlatformServiceJpaRepositoryImpl.java
index 565812c..a34a307 100644
--- a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanWritePlatformServiceJpaRepositoryImpl.java
+++ b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanWritePlatformServiceJpaRepositoryImpl.java
@@ -485,7 +485,7 @@
fromSavingsAccount, isRegularTransaction, isExceptionForBalanceCheck);
this.accountTransfersWritePlatformService.transferFunds(accountTransferDTO);
} else {
- loanDownPaymentHandlerService.handleDownPayment(scheduleGeneratorDTO, command, amountToDisburse, loan);
+ loanDownPaymentHandlerService.handleDownPayment(scheduleGeneratorDTO, command, disbursementTransaction, loan);
}
}
}
@@ -563,6 +563,8 @@
businessEventNotifierService.notifyPostBusinessEvent(new LoanDisbursalTransactionBusinessEvent(disbursalTransaction));
}
+ loan.updateLoanSummaryAndStatus();
+
return new CommandProcessingResultBuilder() //
.withCommandId(command.commandId()) //
.withEntityId(loan.getId()) //
diff --git a/fineract-provider/src/test/java/org/apache/fineract/portfolio/loanaccount/service/LoanDownPaymentHandlerServiceImplTest.java b/fineract-provider/src/test/java/org/apache/fineract/portfolio/loanaccount/service/LoanDownPaymentHandlerServiceImplTest.java
index eae94ac..0bfa16a 100644
--- a/fineract-provider/src/test/java/org/apache/fineract/portfolio/loanaccount/service/LoanDownPaymentHandlerServiceImplTest.java
+++ b/fineract-provider/src/test/java/org/apache/fineract/portfolio/loanaccount/service/LoanDownPaymentHandlerServiceImplTest.java
@@ -19,13 +19,13 @@
package org.apache.fineract.portfolio.loanaccount.service;
import static org.junit.jupiter.api.Assertions.assertNotNull;
+import static org.junit.jupiter.api.Assertions.assertNull;
import static org.mockito.ArgumentMatchers.any;
import static org.mockito.ArgumentMatchers.eq;
import static org.mockito.Mockito.doNothing;
import static org.mockito.Mockito.verify;
import static org.mockito.Mockito.when;
-import java.math.BigDecimal;
import java.math.RoundingMode;
import org.apache.fineract.infrastructure.core.api.JsonCommand;
import org.apache.fineract.infrastructure.event.business.domain.loan.LoanBalanceChangedBusinessEvent;
@@ -33,7 +33,6 @@
import org.apache.fineract.infrastructure.event.business.domain.loan.transaction.LoanTransactionDownPaymentPreBusinessEvent;
import org.apache.fineract.infrastructure.event.business.service.BusinessEventNotifierService;
import org.apache.fineract.organisation.monetary.domain.MonetaryCurrency;
-import org.apache.fineract.organisation.monetary.domain.Money;
import org.apache.fineract.organisation.monetary.domain.MoneyHelper;
import org.apache.fineract.portfolio.loanaccount.data.ScheduleGeneratorDTO;
import org.apache.fineract.portfolio.loanaccount.domain.Loan;
@@ -88,19 +87,19 @@
public void testDownPaymentHandler() {
// given
Loan loanForProcessing = Mockito.mock(Loan.class);
+ LoanTransaction disbursement = Mockito.mock(LoanTransaction.class);
MonetaryCurrency loanCurrency = Mockito.mock(MonetaryCurrency.class);
doNothing().when(businessEventNotifierService).notifyPreBusinessEvent(any(LoanTransactionDownPaymentPreBusinessEvent.class));
doNothing().when(businessEventNotifierService).notifyPostBusinessEvent(any(LoanTransactionDownPaymentPostBusinessEvent.class));
doNothing().when(businessEventNotifierService).notifyPostBusinessEvent(any(LoanBalanceChangedBusinessEvent.class));
when(loanTransactionRepository.saveAndFlush(any(LoanTransaction.class))).thenReturn(loanTransaction);
- when(loanForProcessing.handleDownPayment(any(BigDecimal.class), eq(command), eq(scheduleGeneratorDTO))).thenReturn(loanTransaction);
+ when(loanForProcessing.handleDownPayment(eq(disbursement), eq(command), eq(scheduleGeneratorDTO))).thenReturn(loanTransaction);
when(loanForProcessing.getCurrency()).thenReturn(loanCurrency);
when(loanCurrency.getCode()).thenReturn("CODE");
when(loanCurrency.getCurrencyInMultiplesOf()).thenReturn(1);
when(loanCurrency.getDigitsAfterDecimal()).thenReturn(1);
- Money amount = Money.of(loanCurrency, BigDecimal.TEN);
// when
- LoanTransaction actual = underTest.handleDownPayment(scheduleGeneratorDTO, command, amount, loanForProcessing);
+ LoanTransaction actual = underTest.handleDownPayment(scheduleGeneratorDTO, command, disbursement, loanForProcessing);
// then
assertNotNull(actual);
@@ -109,6 +108,32 @@
verify(businessEventNotifierService, Mockito.times(1))
.notifyPostBusinessEvent(Mockito.any(LoanTransactionDownPaymentPostBusinessEvent.class));
verify(businessEventNotifierService, Mockito.times(1)).notifyPostBusinessEvent(Mockito.any(LoanBalanceChangedBusinessEvent.class));
- verify(loanForProcessing, Mockito.times(1)).handleDownPayment(any(BigDecimal.class), eq(command), eq(scheduleGeneratorDTO));
+ verify(loanForProcessing, Mockito.times(1)).handleDownPayment(eq(disbursement), eq(command), eq(scheduleGeneratorDTO));
+ }
+
+ @Test
+ public void testDownPaymentHandlerNoNewTransaction() {
+ // given
+ Loan loanForProcessing = Mockito.mock(Loan.class);
+ LoanTransaction disbursement = Mockito.mock(LoanTransaction.class);
+ MonetaryCurrency loanCurrency = Mockito.mock(MonetaryCurrency.class);
+ doNothing().when(businessEventNotifierService).notifyPreBusinessEvent(any(LoanTransactionDownPaymentPreBusinessEvent.class));
+ when(loanForProcessing.handleDownPayment(eq(disbursement), eq(command), eq(scheduleGeneratorDTO))).thenReturn(null);
+ when(loanForProcessing.getCurrency()).thenReturn(loanCurrency);
+ when(loanCurrency.getCode()).thenReturn("CODE");
+ when(loanCurrency.getCurrencyInMultiplesOf()).thenReturn(1);
+ when(loanCurrency.getDigitsAfterDecimal()).thenReturn(1);
+ // when
+ LoanTransaction actual = underTest.handleDownPayment(scheduleGeneratorDTO, command, disbursement, loanForProcessing);
+
+ // then
+ assertNull(actual);
+ verify(businessEventNotifierService, Mockito.times(1))
+ .notifyPreBusinessEvent(Mockito.any(LoanTransactionDownPaymentPreBusinessEvent.class));
+ verify(businessEventNotifierService, Mockito.never())
+ .notifyPostBusinessEvent(Mockito.any(LoanTransactionDownPaymentPostBusinessEvent.class));
+ verify(businessEventNotifierService, Mockito.never()).notifyPostBusinessEvent(Mockito.any(LoanBalanceChangedBusinessEvent.class));
+ verify(loanForProcessing, Mockito.times(1)).handleDownPayment(eq(disbursement), eq(command), eq(scheduleGeneratorDTO));
+ verify(loanTransactionRepository, Mockito.never()).saveAndFlush(any(LoanTransaction.class));
}
}
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/AdvancedPaymentAllocationLoanRepaymentScheduleTest.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/AdvancedPaymentAllocationLoanRepaymentScheduleTest.java
index f6723cf..d6cb8f4 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/AdvancedPaymentAllocationLoanRepaymentScheduleTest.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/AdvancedPaymentAllocationLoanRepaymentScheduleTest.java
@@ -3264,7 +3264,7 @@
validateRepaymentPeriod(loanDetails, 3, LocalDate.of(2023, 12, 7), 32.0, 32.0, 0.0, 32.0, 0.0);
validateRepaymentPeriod(loanDetails, 4, LocalDate.of(2023, 12, 22), 32.0, 32.0, 0.0, 32.0, 0.0);
validateRepaymentPeriod(loanDetails, 5, LocalDate.of(2024, 1, 6), 32.0, 32.0, 0.0, 32.0, 0.0);
- assertTrue(loanDetails.getStatus().getActive());
+ assertTrue(loanDetails.getStatus().getOverpaid());
verifyTransactions(loanResponse.getLoanId(), //
transaction(100, "Disbursement", "22 November 2023", 100.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanProductWithDownPaymentConfigurationTest.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanProductWithDownPaymentConfigurationTest.java
index 2b11a04..3dc8891 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanProductWithDownPaymentConfigurationTest.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanProductWithDownPaymentConfigurationTest.java
@@ -19,9 +19,7 @@
package org.apache.fineract.integrationtests;
import static org.junit.jupiter.api.Assertions.assertEquals;
-import static org.junit.jupiter.api.Assertions.assertFalse;
import static org.junit.jupiter.api.Assertions.assertNotNull;
-import static org.junit.jupiter.api.Assertions.assertTrue;
import io.restassured.builder.RequestSpecBuilder;
import io.restassured.builder.ResponseSpecBuilder;
@@ -29,29 +27,14 @@
import io.restassured.specification.RequestSpecification;
import io.restassured.specification.ResponseSpecification;
import java.math.BigDecimal;
-import java.time.LocalDate;
import java.util.ArrayList;
import java.util.HashMap;
-import java.util.UUID;
import org.apache.fineract.client.models.GetDelinquencyBucketsResponse;
import org.apache.fineract.client.models.GetLoanProductsProductIdResponse;
-import org.apache.fineract.client.models.GetLoansLoanIdResponse;
-import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest;
-import org.apache.fineract.client.models.PostLoansLoanIdTransactionsResponse;
import org.apache.fineract.client.models.PutLoanProductsProductIdRequest;
import org.apache.fineract.client.models.PutLoanProductsProductIdResponse;
-import org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType;
-import org.apache.fineract.infrastructure.core.service.DateUtils;
-import org.apache.fineract.integrationtests.common.BusinessDateHelper;
-import org.apache.fineract.integrationtests.common.ClientHelper;
import org.apache.fineract.integrationtests.common.CommonConstants;
-import org.apache.fineract.integrationtests.common.GlobalConfigurationHelper;
import org.apache.fineract.integrationtests.common.Utils;
-import org.apache.fineract.integrationtests.common.accounting.Account;
-import org.apache.fineract.integrationtests.common.accounting.AccountHelper;
-import org.apache.fineract.integrationtests.common.accounting.JournalEntry;
-import org.apache.fineract.integrationtests.common.accounting.JournalEntryHelper;
-import org.apache.fineract.integrationtests.common.loans.LoanApplicationTestBuilder;
import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder;
import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper;
import org.apache.fineract.integrationtests.common.products.DelinquencyBucketsHelper;
@@ -63,9 +46,6 @@
private ResponseSpecification responseSpec;
private RequestSpecification requestSpec;
private LoanTransactionHelper loanTransactionHelper;
- private ClientHelper clientHelper;
- private AccountHelper accountHelper;
- private JournalEntryHelper journalEntryHelper;
@BeforeEach
public void setup() {
@@ -74,9 +54,6 @@
this.requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey());
this.responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build();
this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec);
- this.clientHelper = new ClientHelper(this.requestSpec, this.responseSpec);
- this.accountHelper = new AccountHelper(this.requestSpec, this.responseSpec);
- this.journalEntryHelper = new JournalEntryHelper(this.requestSpec, this.responseSpec);
}
@Test
@@ -198,412 +175,6 @@
loanProductErrorData.get(0).get(CommonConstants.RESPONSE_ERROR_MESSAGE_CODE));
}
- @Test
- public void loanApplicationCreationWithLoanProductWithEnableDownPaymentConfiguration() {
- // Loan ExternalId
- String loanExternalIdStr = UUID.randomUUID().toString();
-
- // Delinquency Bucket
- final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec);
- final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec,
- delinquencyBucketId);
-
- // down-payment configuration
- Boolean enableDownPayment = true;
- BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25);
- Boolean enableAutoRepaymentForDownPayment = false;
-
- final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
-
- // Loan Product creation with down-payment configuration
- Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment,
- "25", enableAutoRepaymentForDownPayment);
-
- final GetLoanProductsProductIdResponse getLoanProductsProductResponse = loanTransactionHelper.getLoanProduct(loanProductId);
- assertNotNull(getLoanProductsProductResponse);
- assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
- assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
- .compareTo(disbursedAmountPercentageForDownPayment));
- assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());
-
- final Integer loanId = createApproveAndDisburseLoanAccount(clientId, loanProductId.longValue(), loanExternalIdStr);
-
- // Retrieve Loan with loanId
-
- GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
-
- // verify down-payment details for Loan
- assertNotNull(loanDetails);
- assertEquals(enableDownPayment, loanDetails.getEnableDownPayment());
- assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment));
- assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());
-
- }
-
- @Test
- public void loanApplicationWithLoanProductWithEnableDownPaymentConfigurationDoesNotChangeWithUpdateProductConfiguration() {
- // Loan ExternalId
- String loanExternalIdStr = UUID.randomUUID().toString();
-
- // Delinquency Bucket
- final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec);
- final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec,
- delinquencyBucketId);
-
- // down-payment configuration
- Boolean enableDownPayment = true;
- BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(12.5);
- Boolean enableAutoRepaymentForDownPayment = false;
-
- final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
-
- // Loan Product creation with down-payment configuration
- Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment,
- "12.5", enableAutoRepaymentForDownPayment);
-
- final GetLoanProductsProductIdResponse getLoanProductsProductResponse = loanTransactionHelper.getLoanProduct(loanProductId);
- assertNotNull(getLoanProductsProductResponse);
- assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
- assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
- .compareTo(disbursedAmountPercentageForDownPayment));
- assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());
-
- final Integer loanId = createApproveAndDisburseLoanAccount(clientId, loanProductId.longValue(), loanExternalIdStr);
-
- // Retrieve Loan with loanId
-
- GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
-
- // verify down-payment details for Loan
- assertNotNull(loanDetails);
- assertEquals(enableDownPayment, loanDetails.getEnableDownPayment());
- assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment));
- assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());
-
- // Modify Loan Product to update enable down payment configuration
- PutLoanProductsProductIdResponse loanProductModifyResponse = updateLoanProduct(loanTransactionHelper,
- getLoanProductsProductResponse.getId());
- assertNotNull(loanProductModifyResponse);
-
- // verify Loan product configuration change
- GetLoanProductsProductIdResponse getLoanProductsProductResponse_1 = loanTransactionHelper.getLoanProduct(loanProductId);
- assertNotNull(getLoanProductsProductResponse_1);
- assertEquals(enableDownPayment, getLoanProductsProductResponse_1.getEnableDownPayment());
- assertEquals(0, getLoanProductsProductResponse_1.getDisbursedAmountPercentageForDownPayment().compareTo(BigDecimal.valueOf(25.0)));
- assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse_1.getEnableAutoRepaymentForDownPayment());
-
- // make repayment for loan
- final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
- new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("5 September 2022").locale("en")
- .transactionAmount(100.0));
-
- loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
-
- // verify down-payment details for Loan does not change
- assertNotNull(loanDetails);
- assertEquals(enableDownPayment, loanDetails.getEnableDownPayment());
- assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment));
- assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());
-
- }
-
- @Test
- public void loanApplicationWithLoanProductWithEnableDownPaymentAndEnableAutoRepaymentForDownPaymentTest() {
- try {
-
- // Set business date
- LocalDate disbursementDate = LocalDate.of(2023, 3, 3);
-
- GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
- BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate);
-
- // Accounts oof periodic accrual
- final Account assetAccount = this.accountHelper.createAssetAccount();
- final Account incomeAccount = this.accountHelper.createIncomeAccount();
- final Account expenseAccount = this.accountHelper.createExpenseAccount();
- final Account overpaymentAccount = this.accountHelper.createLiabilityAccount();
-
- // Loan ExternalId
- String loanExternalIdStr = UUID.randomUUID().toString();
-
- // Delinquency Bucket
- final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec);
- final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec,
- delinquencyBucketId);
-
- // down-payment configuration
- Boolean enableDownPayment = true;
- BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25);
- Boolean enableAutoRepaymentForDownPayment = true;
-
- final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
-
- // Loan Product creation with down-payment configuration
- final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithDownPaymentConfigurationAndAccrualAccounting(
- loanTransactionHelper, delinquencyBucketId, enableDownPayment, "25", enableAutoRepaymentForDownPayment, assetAccount,
- incomeAccount, expenseAccount, overpaymentAccount);
-
- assertNotNull(getLoanProductsProductResponse);
- assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
- assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
- .compareTo(disbursedAmountPercentageForDownPayment));
- assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());
-
- final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(),
- loanExternalIdStr);
-
- // Retrieve Loan with loanId
-
- GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
-
- // verify down-payment details for Loan
- assertNotNull(loanDetails);
- assertEquals(enableDownPayment, loanDetails.getEnableDownPayment());
- assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment));
- assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());
-
- // first disbursement
- loanTransactionHelper.disburseLoanWithTransactionAmount("03 March 2023", loanId, "1000");
-
- loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
- // verify down-payment transaction created
- checkDownPaymentTransaction(disbursementDate, 250.0f, 0.0f, 0.0f, 0.0f, loanId);
-
- // verify journal entries for down-payment
- this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "03 March 2023",
- new JournalEntry(250, JournalEntry.TransactionType.CREDIT));
- this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "03 March 2023",
- new JournalEntry(250, JournalEntry.TransactionType.DEBIT));
-
- // verify installment details
- assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(0).getDueDate());
- assertEquals(1000.0, loanDetails.getRepaymentSchedule().getPeriods().get(0).getPrincipalLoanBalanceOutstanding());
- assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
- assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
- assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
- assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getDownPaymentPeriod());
- assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
- assertEquals(LocalDate.of(2023, 4, 2), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
- assertEquals(750.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());
- assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(2).getDownPaymentPeriod());
-
- // second disbursement
-
- disbursementDate = LocalDate.of(2023, 3, 5);
- BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate);
- loanTransactionHelper.disburseLoanWithTransactionAmount("05 March 2023", loanId, "200");
- checkDownPaymentTransaction(disbursementDate, 50.0f, 0.0f, 0.0f, 0.0f, loanId);
-
- loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
- // verify installment details
- assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(0).getDueDate());
- assertEquals(1000.0, loanDetails.getRepaymentSchedule().getPeriods().get(0).getPrincipalLoanBalanceOutstanding());
- assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
- assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
- assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
- assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getDownPaymentPeriod());
- assertEquals(LocalDate.of(2023, 3, 5), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
- assertEquals(200.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPrincipalLoanBalanceOutstanding());
- assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(2).getDownPaymentPeriod());
- assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
- assertEquals(LocalDate.of(2023, 3, 5), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
- assertEquals(50.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());
- assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(3).getDownPaymentPeriod());
- assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
- assertEquals(LocalDate.of(2023, 4, 2), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
- assertEquals(900.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());
- assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(4).getDownPaymentPeriod());
-
- // verify journal entries for down-payment
- this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "05 March 2023",
- new JournalEntry(50, JournalEntry.TransactionType.CREDIT));
- this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "05 March 2023",
- new JournalEntry(50, JournalEntry.TransactionType.DEBIT));
-
- } finally {
- GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
- }
-
- }
-
- @Test
- public void loanApplicationWithLoanProductWithEnableDownPaymentAndDisableAutoRepaymentForDownPaymentVerifyNoDownPaymentCreatedTest() {
- try {
-
- // Set business date
- LocalDate disbursementDate = LocalDate.of(2023, 3, 3);
-
- GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
- BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate);
-
- // Accounts oof periodic accrual
- final Account assetAccount = this.accountHelper.createAssetAccount();
- final Account incomeAccount = this.accountHelper.createIncomeAccount();
- final Account expenseAccount = this.accountHelper.createExpenseAccount();
- final Account overpaymentAccount = this.accountHelper.createLiabilityAccount();
-
- // Loan ExternalId
- String loanExternalIdStr = UUID.randomUUID().toString();
-
- // Delinquency Bucket
- final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec);
- final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec,
- delinquencyBucketId);
-
- // down-payment configuration
- Boolean enableDownPayment = true;
- BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25);
- Boolean enableAutoRepaymentForDownPayment = false;
-
- final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
-
- // Loan Product creation with down-payment configuration
- final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithDownPaymentConfigurationAndAccrualAccounting(
- loanTransactionHelper, delinquencyBucketId, enableDownPayment, "25", enableAutoRepaymentForDownPayment, assetAccount,
- incomeAccount, expenseAccount, overpaymentAccount);
-
- assertNotNull(getLoanProductsProductResponse);
- assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
- assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
- .compareTo(disbursedAmountPercentageForDownPayment));
- assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());
-
- final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(),
- loanExternalIdStr);
-
- // Retrieve Loan with loanId
-
- GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
-
- // verify down-payment details for Loan
- assertNotNull(loanDetails);
- assertEquals(enableDownPayment, loanDetails.getEnableDownPayment());
- assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment));
- assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());
-
- // first disbursement
- loanTransactionHelper.disburseLoanWithTransactionAmount("03 March 2023", loanId, "1000");
-
- // verify no down-payment transaction created
- checkNoDownPaymentTransaction(loanId);
-
- } finally {
- GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
- }
-
- }
-
- @Test
- public void loanProductAndLoanAccountCreationWithEnableDownPaymentAndDisableRepaymentScheduleExtensionConfigurationTest() {
- // Loan ExternalId
- String loanExternalIdStr = UUID.randomUUID().toString();
-
- // down-payment configuration
- Boolean enableDownPayment = true;
- BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25);
- Boolean enableAutoRepaymentForDownPayment = false;
-
- final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
-
- // Loan Product creation with down-payment configuration
- GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithEnableDownPaymentAndMultipleDisbursementsWithDisableRepaymentConfiguration(
- loanTransactionHelper, enableDownPayment, "25", enableAutoRepaymentForDownPayment);
- assertNotNull(getLoanProductsProductResponse);
- assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
- assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
- .compareTo(disbursedAmountPercentageForDownPayment));
- assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());
-
- final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(),
- loanExternalIdStr);
-
- // Retrieve Loan with loanId
-
- GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
-
- // verify down-payment details for Loan
- assertNotNull(loanDetails);
- assertEquals(enableDownPayment, loanDetails.getEnableDownPayment());
- assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment));
- assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());
- }
-
- private void checkNoDownPaymentTransaction(final Integer loanID) {
- ArrayList<HashMap> transactions = (ArrayList<HashMap>) loanTransactionHelper.getLoanTransactions(this.requestSpec,
- this.responseSpec, loanID);
- boolean isTransactionFound = false;
- for (int i = 0; i < transactions.size(); i++) {
- HashMap transactionType = (HashMap) transactions.get(i).get("type");
- boolean isDownPaymentTransaction = (Boolean) transactionType.get("downPayment");
-
- if (isDownPaymentTransaction) {
- isTransactionFound = true;
- break;
- }
- }
- assertFalse(isTransactionFound, "Down Payment entries are posted");
- }
-
- private void checkDownPaymentTransaction(final LocalDate transactionDate, final Float principalPortion, final Float interestPortion,
- final Float feePortion, final Float penaltyPortion, final Integer loanID) {
- ArrayList<HashMap> transactions = (ArrayList<HashMap>) loanTransactionHelper.getLoanTransactions(this.requestSpec,
- this.responseSpec, loanID);
- boolean isTransactionFound = false;
- for (int i = 0; i < transactions.size(); i++) {
- HashMap transactionType = (HashMap) transactions.get(i).get("type");
- boolean isDownPaymentTransaction = (Boolean) transactionType.get("downPayment");
-
- if (isDownPaymentTransaction) {
- ArrayList<Integer> downPaymentDateAsArray = (ArrayList<Integer>) transactions.get(i).get("date");
- LocalDate downPaymentEntryDate = LocalDate.of(downPaymentDateAsArray.get(0), downPaymentDateAsArray.get(1),
- downPaymentDateAsArray.get(2));
-
- if (DateUtils.isEqual(transactionDate, downPaymentEntryDate)) {
- isTransactionFound = true;
- assertEquals(principalPortion, Float.valueOf(String.valueOf(transactions.get(i).get("principalPortion"))),
- "Mismatch in transaction amounts");
- assertEquals(interestPortion, Float.valueOf(String.valueOf(transactions.get(i).get("interestPortion"))),
- "Mismatch in transaction amounts");
- assertEquals(feePortion, Float.valueOf(String.valueOf(transactions.get(i).get("feeChargesPortion"))),
- "Mismatch in transaction amounts");
- assertEquals(penaltyPortion, Float.valueOf(String.valueOf(transactions.get(i).get("penaltyChargesPortion"))),
- "Mismatch in transaction amounts");
- break;
- }
- }
- }
- assertTrue(isTransactionFound, "No Down Payment entries are posted");
- }
-
- private Integer createLoanAccountMultipleRepaymentsDisbursement(final Integer clientID, final Long loanProductID,
- final String externalId) {
-
- String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("30")
- .withLoanTermFrequencyAsDays().withNumberOfRepayments("1").withRepaymentEveryAfter("30").withRepaymentFrequencyTypeAsDays()
- .withInterestRatePerPeriod("0").withInterestTypeAsFlatBalance().withAmortizationTypeAsEqualPrincipalPayments()
- .withInterestCalculationPeriodTypeSameAsRepaymentPeriod().withExpectedDisbursementDate("03 March 2023")
- .withSubmittedOnDate("03 March 2023").withLoanType("individual").withExternalId(externalId)
- .build(clientID.toString(), loanProductID.toString(), null);
-
- final Integer loanId = loanTransactionHelper.getLoanId(loanApplicationJSON);
- loanTransactionHelper.approveLoan("03 March 2023", "1000", loanId, null);
- return loanId;
- }
-
- private GetLoanProductsProductIdResponse createLoanProductWithDownPaymentConfigurationAndAccrualAccounting(
- LoanTransactionHelper loanTransactionHelper, Integer delinquencyBucketId, Boolean enableDownPayment,
- String disbursedAmountPercentageForDownPayment, boolean enableAutoRepaymentForDownPayment, final Account... accounts) {
- final String loanProductJSON = new LoanProductTestBuilder().withPrincipal("1000").withRepaymentTypeAsMonth()
- .withRepaymentAfterEvery("1").withNumberOfRepayments("1").withRepaymentTypeAsMonth().withinterestRatePerPeriod("0")
- .withInterestRateFrequencyTypeAsMonths().withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsDecliningBalance()
- .withAccountingRulePeriodicAccrual(accounts).withInterestCalculationPeriodTypeAsRepaymentPeriod(true).withDaysInMonth("30")
- .withDaysInYear("365").withMoratorium("0", "0").withMultiDisburse().withDisallowExpectedDisbursements(true)
- .withEnableDownPayment(enableDownPayment, disbursedAmountPercentageForDownPayment, enableAutoRepaymentForDownPayment)
- .build(null);
- final Integer loanProductId = loanTransactionHelper.getLoanProductId(loanProductJSON);
- return loanTransactionHelper.getLoanProduct(loanProductId);
- }
-
private PutLoanProductsProductIdResponse updateLoanProduct(LoanTransactionHelper loanTransactionHelper, Long id) {
// down-payment configuration
Boolean enableDownPayment = true;
@@ -629,34 +200,4 @@
final Integer loanProductId = loanTransactionHelper.getLoanProductId(Utils.convertToJson(loanProductMap));
return loanProductId;
}
-
- private Integer createApproveAndDisburseLoanAccount(final Integer clientID, final Long loanProductID, final String externalId) {
-
- String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("1")
- .withLoanTermFrequencyAsMonths().withNumberOfRepayments("1").withRepaymentEveryAfter("1")
- .withRepaymentFrequencyTypeAsMonths().withInterestRatePerPeriod("0").withInterestTypeAsFlatBalance()
- .withAmortizationTypeAsEqualPrincipalPayments().withInterestCalculationPeriodTypeSameAsRepaymentPeriod()
- .withExpectedDisbursementDate("03 September 2022").withSubmittedOnDate("01 September 2022").withLoanType("individual")
- .withExternalId(externalId).build(clientID.toString(), loanProductID.toString(), null);
-
- final Integer loanId = loanTransactionHelper.getLoanId(loanApplicationJSON);
- loanTransactionHelper.approveLoan("02 September 2022", "1000", loanId, null);
- loanTransactionHelper.disburseLoanWithNetDisbursalAmount("03 September 2022", loanId, "1000");
- return loanId;
- }
-
- private GetLoanProductsProductIdResponse createLoanProductWithEnableDownPaymentAndMultipleDisbursementsWithDisableRepaymentConfiguration(
- LoanTransactionHelper loanTransactionHelper, Boolean enableDownPayment, String disbursedAmountPercentageForDownPayment,
- boolean enableAutoRepaymentForDownPayment) {
- final String loanProductJSON = new LoanProductTestBuilder().withPrincipal("1000").withRepaymentTypeAsMonth()
- .withRepaymentAfterEvery("1").withNumberOfRepayments("3").withRepaymentTypeAsMonth().withinterestRatePerPeriod("0")
- .withInterestRateFrequencyTypeAsMonths().withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsDecliningBalance()
- .withInterestCalculationPeriodTypeAsRepaymentPeriod(true).withDaysInMonth("30").withDaysInYear("365")
- .withMoratorium("0", "0").withMultiDisburse().withDisallowExpectedDisbursements(true)
- .withEnableDownPayment(enableDownPayment, disbursedAmountPercentageForDownPayment, enableAutoRepaymentForDownPayment)
- .build(null);
- final Integer loanProductId = loanTransactionHelper.getLoanProductId(loanProductJSON);
- return loanTransactionHelper.getLoanProduct(loanProductId);
- }
-
}
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanRepaymentScheduleWithDownPaymentTest.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanRepaymentScheduleWithDownPaymentTest.java
index 3dd00a8..2db8526 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanRepaymentScheduleWithDownPaymentTest.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanRepaymentScheduleWithDownPaymentTest.java
@@ -18,7 +18,9 @@
*/
package org.apache.fineract.integrationtests;
+import static org.apache.fineract.integrationtests.BaseLoanIntegrationTest.DATETIME_PATTERN;
import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.junit.jupiter.api.Assertions.assertFalse;
import static org.junit.jupiter.api.Assertions.assertNotNull;
import static org.junit.jupiter.api.Assertions.assertTrue;
@@ -29,45 +31,71 @@
import io.restassured.specification.ResponseSpecification;
import java.math.BigDecimal;
import java.time.LocalDate;
+import java.util.ArrayList;
+import java.util.Arrays;
import java.util.HashMap;
import java.util.List;
import java.util.UUID;
+import java.util.concurrent.atomic.AtomicInteger;
+import org.apache.fineract.client.models.AdvancedPaymentData;
import org.apache.fineract.client.models.GetDelinquencyBucketsResponse;
import org.apache.fineract.client.models.GetLoanProductsProductIdResponse;
import org.apache.fineract.client.models.GetLoansLoanIdRepaymentPeriod;
import org.apache.fineract.client.models.GetLoansLoanIdResponse;
import org.apache.fineract.client.models.GetLoansLoanIdSummary;
+import org.apache.fineract.client.models.PaymentAllocationOrder;
import org.apache.fineract.client.models.PostChargesResponse;
import org.apache.fineract.client.models.PostLoansLoanIdChargesResponse;
+import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest;
+import org.apache.fineract.client.models.PostLoansLoanIdTransactionsResponse;
+import org.apache.fineract.client.models.PostLoansLoanIdTransactionsTransactionIdRequest;
+import org.apache.fineract.client.models.PutLoanProductsProductIdRequest;
+import org.apache.fineract.client.models.PutLoanProductsProductIdResponse;
import org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
import org.apache.fineract.integrationtests.common.BusinessDateHelper;
import org.apache.fineract.integrationtests.common.ClientHelper;
import org.apache.fineract.integrationtests.common.GlobalConfigurationHelper;
import org.apache.fineract.integrationtests.common.SchedulerJobHelper;
import org.apache.fineract.integrationtests.common.Utils;
+import org.apache.fineract.integrationtests.common.accounting.Account;
+import org.apache.fineract.integrationtests.common.accounting.AccountHelper;
+import org.apache.fineract.integrationtests.common.accounting.JournalEntry;
+import org.apache.fineract.integrationtests.common.accounting.JournalEntryHelper;
import org.apache.fineract.integrationtests.common.charges.ChargesHelper;
import org.apache.fineract.integrationtests.common.loans.LoanApplicationTestBuilder;
import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder;
+import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension;
import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper;
import org.apache.fineract.integrationtests.common.products.DelinquencyBucketsHelper;
+import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.AdvancedPaymentScheduleTransactionProcessor;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleProcessingType;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleType;
+import org.apache.fineract.portfolio.loanproduct.domain.PaymentAllocationType;
import org.junit.jupiter.api.BeforeEach;
import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+@ExtendWith(LoanTestLifecycleExtension.class)
public class LoanRepaymentScheduleWithDownPaymentTest {
private ResponseSpecification responseSpec;
private RequestSpecification requestSpec;
private LoanTransactionHelper loanTransactionHelper;
private ClientHelper clientHelper;
+ private AccountHelper accountHelper;
+ private JournalEntryHelper journalEntryHelper;
@BeforeEach
public void setup() {
Utils.initializeRESTAssured();
- this.requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build();
- this.requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey());
- this.responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build();
- this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec);
- this.clientHelper = new ClientHelper(this.requestSpec, this.responseSpec);
+ requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build();
+ requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey());
+ responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build();
+ loanTransactionHelper = new LoanTransactionHelper(requestSpec, responseSpec);
+ clientHelper = new ClientHelper(requestSpec, responseSpec);
+ accountHelper = new AccountHelper(requestSpec, responseSpec);
+ journalEntryHelper = new JournalEntryHelper(requestSpec, responseSpec);
}
@Test
@@ -490,7 +518,7 @@
final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment,
- "25", enableAutoRepaymentForDownPayment, true);
+ "25", enableAutoRepaymentForDownPayment, false);
final GetLoanProductsProductIdResponse getLoanProductsProductResponse = loanTransactionHelper.getLoanProduct(loanProductId);
assertNotNull(getLoanProductsProductResponse);
@@ -876,6 +904,658 @@
}
}
+ @Test
+ public void loanApplicationCreationWithLoanProductWithEnableDownPaymentConfiguration() {
+ // Loan ExternalId
+ String loanExternalIdStr = UUID.randomUUID().toString();
+
+ // Delinquency Bucket
+ final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec);
+ final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec,
+ delinquencyBucketId);
+
+ // down-payment configuration
+ Boolean enableDownPayment = true;
+ BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25);
+ Boolean enableAutoRepaymentForDownPayment = false;
+
+ final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
+
+ // Loan Product creation with down-payment configuration
+ Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment,
+ "25", enableAutoRepaymentForDownPayment, false);
+
+ final GetLoanProductsProductIdResponse getLoanProductsProductResponse = loanTransactionHelper.getLoanProduct(loanProductId);
+ assertNotNull(getLoanProductsProductResponse);
+ assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
+ assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
+ .compareTo(disbursedAmountPercentageForDownPayment));
+ assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());
+
+ final Integer loanId = createApproveAndDisburseLoanAccount(clientId, loanProductId.longValue(), loanExternalIdStr);
+
+ // Retrieve Loan with loanId
+
+ GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+
+ // verify down-payment details for Loan
+ assertNotNull(loanDetails);
+ assertEquals(enableDownPayment, loanDetails.getEnableDownPayment());
+ assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment));
+ assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());
+
+ }
+
+ @Test
+ public void loanApplicationWithLoanProductWithEnableDownPaymentConfigurationDoesNotChangeWithUpdateProductConfiguration() {
+ // Loan ExternalId
+ String loanExternalIdStr = UUID.randomUUID().toString();
+
+ // Delinquency Bucket
+ final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec);
+ final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec,
+ delinquencyBucketId);
+
+ // down-payment configuration
+ Boolean enableDownPayment = true;
+ BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(12.5);
+ Boolean enableAutoRepaymentForDownPayment = false;
+
+ final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
+
+ // Loan Product creation with down-payment configuration
+ Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment,
+ "12.5", enableAutoRepaymentForDownPayment, false);
+
+ final GetLoanProductsProductIdResponse getLoanProductsProductResponse = loanTransactionHelper.getLoanProduct(loanProductId);
+ assertNotNull(getLoanProductsProductResponse);
+ assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
+ assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
+ .compareTo(disbursedAmountPercentageForDownPayment));
+ assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());
+
+ final Integer loanId = createApproveAndDisburseLoanAccount(clientId, loanProductId.longValue(), loanExternalIdStr);
+
+ // Retrieve Loan with loanId
+
+ GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+
+ // verify down-payment details for Loan
+ assertNotNull(loanDetails);
+ assertEquals(enableDownPayment, loanDetails.getEnableDownPayment());
+ assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment));
+ assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());
+
+ // Modify Loan Product to update enable down payment configuration
+ PutLoanProductsProductIdResponse loanProductModifyResponse = updateLoanProduct(loanTransactionHelper,
+ getLoanProductsProductResponse.getId());
+ assertNotNull(loanProductModifyResponse);
+
+ // verify Loan product configuration change
+ GetLoanProductsProductIdResponse getLoanProductsProductResponse_1 = loanTransactionHelper.getLoanProduct(loanProductId);
+ assertNotNull(getLoanProductsProductResponse_1);
+ assertEquals(enableDownPayment, getLoanProductsProductResponse_1.getEnableDownPayment());
+ assertEquals(0, getLoanProductsProductResponse_1.getDisbursedAmountPercentageForDownPayment().compareTo(BigDecimal.valueOf(25.0)));
+ assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse_1.getEnableAutoRepaymentForDownPayment());
+
+ // make repayment for loan
+ final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
+ new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("5 September 2022").locale("en")
+ .transactionAmount(100.0));
+
+ loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+
+ // verify down-payment details for Loan does not change
+ assertNotNull(loanDetails);
+ assertEquals(enableDownPayment, loanDetails.getEnableDownPayment());
+ assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment));
+ assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());
+
+ }
+
+ @Test
+ public void loanApplicationWithLoanProductWithEnableDownPaymentAndEnableAutoRepaymentForDownPaymentTest() {
+ try {
+
+ // Set business date
+ LocalDate disbursementDate = LocalDate.of(2023, 3, 3);
+
+ GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
+ BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate);
+
+ // Accounts oof periodic accrual
+ final Account assetAccount = accountHelper.createAssetAccount();
+ final Account incomeAccount = accountHelper.createIncomeAccount();
+ final Account expenseAccount = accountHelper.createExpenseAccount();
+ final Account overpaymentAccount = accountHelper.createLiabilityAccount();
+
+ // Loan ExternalId
+ String loanExternalIdStr = UUID.randomUUID().toString();
+
+ // Delinquency Bucket
+ final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec);
+ final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec,
+ delinquencyBucketId);
+
+ // down-payment configuration
+ Boolean enableDownPayment = true;
+ BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25);
+ Boolean enableAutoRepaymentForDownPayment = true;
+
+ final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
+
+ // Loan Product creation with down-payment configuration
+ final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithDownPaymentConfigurationAndAccrualAccounting(
+ loanTransactionHelper, delinquencyBucketId, enableDownPayment, "25", enableAutoRepaymentForDownPayment, assetAccount,
+ incomeAccount, expenseAccount, overpaymentAccount);
+
+ assertNotNull(getLoanProductsProductResponse);
+ assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
+ assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
+ .compareTo(disbursedAmountPercentageForDownPayment));
+ assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());
+
+ final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(),
+ loanExternalIdStr);
+
+ // Retrieve Loan with loanId
+
+ GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+
+ // verify down-payment details for Loan
+ assertNotNull(loanDetails);
+ assertEquals(enableDownPayment, loanDetails.getEnableDownPayment());
+ assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment));
+ assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());
+
+ // first disbursement
+ loanTransactionHelper.disburseLoanWithTransactionAmount("03 March 2023", loanId, "1000");
+
+ loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+ // verify down-payment transaction created
+ checkDownPaymentTransaction(disbursementDate, 250.0f, 0.0f, 0.0f, 0.0f, loanId);
+
+ // verify journal entries for down-payment
+ journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "03 March 2023",
+ new JournalEntry(250, JournalEntry.TransactionType.CREDIT));
+ journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "03 March 2023",
+ new JournalEntry(250, JournalEntry.TransactionType.DEBIT));
+
+ // verify installment details
+ assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(0).getDueDate());
+ assertEquals(1000.0, loanDetails.getRepaymentSchedule().getPeriods().get(0).getPrincipalLoanBalanceOutstanding());
+ assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
+ assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
+ assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
+ assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getDownPaymentPeriod());
+ assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
+ assertEquals(LocalDate.of(2023, 4, 2), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
+ assertEquals(750.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());
+ assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(2).getDownPaymentPeriod());
+
+ // second disbursement
+
+ disbursementDate = LocalDate.of(2023, 3, 5);
+ BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate);
+ loanTransactionHelper.disburseLoanWithTransactionAmount("05 March 2023", loanId, "200");
+ checkDownPaymentTransaction(disbursementDate, 50.0f, 0.0f, 0.0f, 0.0f, loanId);
+
+ loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+ // verify installment details
+ assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(0).getDueDate());
+ assertEquals(1000.0, loanDetails.getRepaymentSchedule().getPeriods().get(0).getPrincipalLoanBalanceOutstanding());
+ assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
+ assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
+ assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
+ assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getDownPaymentPeriod());
+ assertEquals(LocalDate.of(2023, 3, 5), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
+ assertEquals(200.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPrincipalLoanBalanceOutstanding());
+ assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(2).getDownPaymentPeriod());
+ assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod());
+ assertEquals(LocalDate.of(2023, 3, 5), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate());
+ assertEquals(50.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod());
+ assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(3).getDownPaymentPeriod());
+ assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod());
+ assertEquals(LocalDate.of(2023, 4, 2), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate());
+ assertEquals(900.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod());
+ assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(4).getDownPaymentPeriod());
+
+ // verify journal entries for down-payment
+ journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "05 March 2023",
+ new JournalEntry(50, JournalEntry.TransactionType.CREDIT));
+ journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "05 March 2023",
+ new JournalEntry(50, JournalEntry.TransactionType.DEBIT));
+
+ } finally {
+ GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
+ }
+
+ }
+
+ @Test
+ public void loanApplicationWithLoanProductWithEnableDownPaymentAndDisableAutoRepaymentForDownPaymentVerifyNoDownPaymentCreatedTest() {
+ try {
+
+ // Set business date
+ LocalDate disbursementDate = LocalDate.of(2023, 3, 3);
+
+ GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
+ BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate);
+
+ // Accounts oof periodic accrual
+ final Account assetAccount = accountHelper.createAssetAccount();
+ final Account incomeAccount = accountHelper.createIncomeAccount();
+ final Account expenseAccount = accountHelper.createExpenseAccount();
+ final Account overpaymentAccount = accountHelper.createLiabilityAccount();
+
+ // Loan ExternalId
+ String loanExternalIdStr = UUID.randomUUID().toString();
+
+ // Delinquency Bucket
+ final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec);
+ final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec,
+ delinquencyBucketId);
+
+ // down-payment configuration
+ Boolean enableDownPayment = true;
+ BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25);
+ Boolean enableAutoRepaymentForDownPayment = false;
+
+ final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
+
+ // Loan Product creation with down-payment configuration
+ final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithDownPaymentConfigurationAndAccrualAccounting(
+ loanTransactionHelper, delinquencyBucketId, enableDownPayment, "25", enableAutoRepaymentForDownPayment, assetAccount,
+ incomeAccount, expenseAccount, overpaymentAccount);
+
+ assertNotNull(getLoanProductsProductResponse);
+ assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
+ assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
+ .compareTo(disbursedAmountPercentageForDownPayment));
+ assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());
+
+ final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(),
+ loanExternalIdStr);
+
+ // Retrieve Loan with loanId
+
+ GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+
+ // verify down-payment details for Loan
+ assertNotNull(loanDetails);
+ assertEquals(enableDownPayment, loanDetails.getEnableDownPayment());
+ assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment));
+ assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());
+
+ // first disbursement
+ loanTransactionHelper.disburseLoanWithTransactionAmount("03 March 2023", loanId, "1000");
+
+ // verify no down-payment transaction created
+ checkNoDownPaymentTransaction(loanId);
+
+ } finally {
+ GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
+ }
+
+ }
+
+ @Test
+ public void loanProductAndLoanAccountCreationWithEnableDownPaymentAndDisableRepaymentScheduleExtensionConfigurationTest() {
+ // Loan ExternalId
+ String loanExternalIdStr = UUID.randomUUID().toString();
+
+ // down-payment configuration
+ Boolean enableDownPayment = true;
+ BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25);
+ Boolean enableAutoRepaymentForDownPayment = false;
+
+ final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
+
+ // Loan Product creation with down-payment configuration
+ GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithEnableDownPaymentAndMultipleDisbursementsWithDisableRepaymentConfiguration(
+ loanTransactionHelper, enableDownPayment, "25", enableAutoRepaymentForDownPayment);
+ assertNotNull(getLoanProductsProductResponse);
+ assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
+ assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
+ .compareTo(disbursedAmountPercentageForDownPayment));
+ assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());
+
+ final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(),
+ loanExternalIdStr);
+
+ // Retrieve Loan with loanId
+
+ GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+
+ // verify down-payment details for Loan
+ assertNotNull(loanDetails);
+ assertEquals(enableDownPayment, loanDetails.getEnableDownPayment());
+ assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment));
+ assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());
+ }
+
+ @Test
+ public void downPaymentOnOverpaidLoan() {
+ try {
+
+ // Set business date
+ LocalDate disbursementDate = LocalDate.of(2023, 3, 3);
+
+ GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
+ BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate);
+
+ // Accounts oof periodic accrual
+ final Account assetAccount = accountHelper.createAssetAccount();
+ final Account incomeAccount = accountHelper.createIncomeAccount();
+ final Account expenseAccount = accountHelper.createExpenseAccount();
+ final Account overpaymentAccount = accountHelper.createLiabilityAccount();
+
+ // Loan ExternalId
+ String loanExternalIdStr = UUID.randomUUID().toString();
+
+ // down-payment configuration
+ Boolean enableDownPayment = true;
+ BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25);
+ Boolean enableAutoRepaymentForDownPayment = true;
+
+ final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
+
+ // Loan Product creation with down-payment configuration
+ final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createProgressiveLoanProductWithDownPaymentConfigurationAndAccrualAccounting(
+ loanTransactionHelper, enableDownPayment, "25", enableAutoRepaymentForDownPayment, assetAccount, incomeAccount,
+ expenseAccount, overpaymentAccount);
+
+ assertNotNull(getLoanProductsProductResponse);
+ assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment());
+ assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment()
+ .compareTo(disbursedAmountPercentageForDownPayment));
+ assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment());
+
+ final Integer loanId = createLoanAccountWithAdvancedPaymentAllocation(clientId, getLoanProductsProductResponse.getId(),
+ loanExternalIdStr);
+
+ // Retrieve Loan with loanId
+
+ GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+
+ // verify down-payment details for Loan
+ assertNotNull(loanDetails);
+ assertEquals(enableDownPayment, loanDetails.getEnableDownPayment());
+ assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment));
+ assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment());
+
+ // first disbursement
+ loanTransactionHelper.disburseLoanWithTransactionAmount("03 March 2023", loanId, "1000");
+
+ loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+ // verify down-payment transaction created
+ checkDownPaymentTransaction(disbursementDate, 250.0f, 0.0f, 0.0f, 0.0f, loanId);
+
+ // verify journal entries for down-payment
+ journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "03 March 2023",
+ new JournalEntry(250, JournalEntry.TransactionType.CREDIT));
+ journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "03 March 2023",
+ new JournalEntry(250, JournalEntry.TransactionType.DEBIT));
+
+ // verify installment details
+ assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(0).getDueDate());
+ assertEquals(1000.0, loanDetails.getRepaymentSchedule().getPeriods().get(0).getPrincipalLoanBalanceOutstanding());
+ assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod());
+ assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate());
+ assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod());
+ assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getDownPaymentPeriod());
+ assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod());
+ assertEquals(LocalDate.of(2023, 4, 2), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate());
+ assertEquals(750.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod());
+ assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(2).getDownPaymentPeriod());
+
+ loanTransactionHelper.makeLoanRepayment((long) loanId, new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy")
+ .transactionDate("03 March 2023").locale("en").transactionAmount(800.0));
+
+ loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+ // verify down-payment details for Loan
+ assertTrue(loanDetails.getStatus().getOverpaid());
+ assertEquals(50.0, loanDetails.getTotalOverpaid());
+
+ // second disbursement
+
+ disbursementDate = LocalDate.of(2023, 3, 5);
+ BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate);
+ loanTransactionHelper.disburseLoanWithTransactionAmount("05 March 2023", loanId, "20");
+
+ loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+
+ assertTrue(loanDetails.getTransactions().get(0).getType().getDisbursement());
+ assertEquals(1000.0, loanDetails.getTransactions().get(0).getAmount());
+ assertEquals("loanTransactionType.downPayment", loanDetails.getTransactions().get(1).getType().getCode());
+ assertEquals(250.0, loanDetails.getTransactions().get(1).getAmount());
+ assertTrue(loanDetails.getTransactions().get(2).getType().getRepayment());
+ assertEquals(800.0, loanDetails.getTransactions().get(2).getAmount());
+ assertTrue(loanDetails.getTransactions().get(3).getType().getDisbursement());
+ assertEquals(20.0, loanDetails.getTransactions().get(3).getAmount());
+ assertEquals(0.0, loanDetails.getTransactions().get(3).getOutstandingLoanBalance());
+ assertEquals(4, loanDetails.getTransactions().size());
+
+ assertTrue(loanDetails.getStatus().getOverpaid());
+ assertEquals(30.0, loanDetails.getTotalOverpaid());
+
+ loanTransactionHelper.disburseLoanWithTransactionAmount("05 March 2023", loanId, "30");
+ loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+ assertTrue(loanDetails.getTransactions().get(4).getType().getDisbursement());
+ assertEquals(30.0, loanDetails.getTransactions().get(4).getAmount());
+ assertEquals(0.0, loanDetails.getTransactions().get(4).getOutstandingLoanBalance());
+ assertEquals(5, loanDetails.getTransactions().size());
+
+ assertTrue(loanDetails.getStatus().getClosedObligationsMet());
+ assertEquals(0.0, loanDetails.getSummary().getTotalOutstanding());
+ assertEquals(null, loanDetails.getTotalOverpaid());
+
+ PostLoansLoanIdTransactionsResponse repayment = loanTransactionHelper.makeLoanRepayment((long) loanId,
+ new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("05 March 2023").locale("en")
+ .transactionAmount(1.0));
+
+ loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+ assertTrue(loanDetails.getStatus().getOverpaid());
+ assertEquals(1.0, loanDetails.getTotalOverpaid());
+
+ loanTransactionHelper.disburseLoanWithTransactionAmount("05 March 2023", loanId, "40");
+ loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+ assertTrue(loanDetails.getTransactions().get(5).getType().getRepayment());
+ assertEquals(1.0, loanDetails.getTransactions().get(5).getAmount());
+ assertTrue(loanDetails.getTransactions().get(6).getType().getDisbursement());
+ assertEquals(40.0, loanDetails.getTransactions().get(6).getAmount());
+ assertEquals(39.0, loanDetails.getTransactions().get(6).getOutstandingLoanBalance());
+ assertEquals("loanTransactionType.downPayment", loanDetails.getTransactions().get(7).getType().getCode());
+ assertEquals(9.0, loanDetails.getTransactions().get(7).getAmount());
+ assertEquals(30.0, loanDetails.getTransactions().get(7).getOutstandingLoanBalance());
+ assertEquals(8, loanDetails.getTransactions().size());
+
+ assertTrue(loanDetails.getStatus().getActive());
+ assertEquals(30.0, loanDetails.getSummary().getTotalOutstanding());
+
+ loanTransactionHelper.reverseLoanTransaction(repayment.getLoanId(), repayment.getResourceId(),
+ new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("05 March 2023")
+ .transactionAmount(0.0).locale("en"));
+
+ loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue());
+ assertTrue(loanDetails.getTransactions().get(5).getType().getRepayment());
+ assertEquals(1.0, loanDetails.getTransactions().get(5).getAmount());
+ assertTrue(loanDetails.getTransactions().get(5).getManuallyReversed());
+ assertTrue(loanDetails.getTransactions().get(6).getType().getDisbursement());
+ assertEquals(40.0, loanDetails.getTransactions().get(6).getAmount());
+ assertEquals(40.0, loanDetails.getTransactions().get(6).getOutstandingLoanBalance());
+ assertEquals("loanTransactionType.downPayment", loanDetails.getTransactions().get(7).getType().getCode());
+ assertEquals(9.0, loanDetails.getTransactions().get(7).getAmount());
+ assertEquals(31.0, loanDetails.getTransactions().get(7).getOutstandingLoanBalance());
+ assertEquals(8, loanDetails.getTransactions().size());
+
+ assertTrue(loanDetails.getStatus().getActive());
+ assertEquals(31.0, loanDetails.getSummary().getTotalOutstanding());
+ } finally {
+ GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
+ }
+ }
+
+ private void checkNoDownPaymentTransaction(final Integer loanID) {
+ ArrayList<HashMap> transactions = (ArrayList<HashMap>) loanTransactionHelper.getLoanTransactions(requestSpec, responseSpec, loanID);
+ boolean isTransactionFound = false;
+ for (int i = 0; i < transactions.size(); i++) {
+ HashMap transactionType = (HashMap) transactions.get(i).get("type");
+ boolean isDownPaymentTransaction = (Boolean) transactionType.get("downPayment");
+
+ if (isDownPaymentTransaction) {
+ isTransactionFound = true;
+ break;
+ }
+ }
+ assertFalse(isTransactionFound, "Down Payment entries are posted");
+ }
+
+ private void checkDownPaymentTransaction(final LocalDate transactionDate, final Float principalPortion, final Float interestPortion,
+ final Float feePortion, final Float penaltyPortion, final Integer loanID) {
+ ArrayList<HashMap> transactions = (ArrayList<HashMap>) loanTransactionHelper.getLoanTransactions(requestSpec, responseSpec, loanID);
+ boolean isTransactionFound = false;
+ for (int i = 0; i < transactions.size(); i++) {
+ HashMap transactionType = (HashMap) transactions.get(i).get("type");
+ boolean isDownPaymentTransaction = (Boolean) transactionType.get("downPayment");
+
+ if (isDownPaymentTransaction) {
+ ArrayList<Integer> downPaymentDateAsArray = (ArrayList<Integer>) transactions.get(i).get("date");
+ LocalDate downPaymentEntryDate = LocalDate.of(downPaymentDateAsArray.get(0), downPaymentDateAsArray.get(1),
+ downPaymentDateAsArray.get(2));
+
+ if (DateUtils.isEqual(transactionDate, downPaymentEntryDate)) {
+ isTransactionFound = true;
+ assertEquals(principalPortion, Float.valueOf(String.valueOf(transactions.get(i).get("principalPortion"))),
+ "Mismatch in transaction amounts");
+ assertEquals(interestPortion, Float.valueOf(String.valueOf(transactions.get(i).get("interestPortion"))),
+ "Mismatch in transaction amounts");
+ assertEquals(feePortion, Float.valueOf(String.valueOf(transactions.get(i).get("feeChargesPortion"))),
+ "Mismatch in transaction amounts");
+ assertEquals(penaltyPortion, Float.valueOf(String.valueOf(transactions.get(i).get("penaltyChargesPortion"))),
+ "Mismatch in transaction amounts");
+ break;
+ }
+ }
+ }
+ assertTrue(isTransactionFound, "No Down Payment entries are posted");
+ }
+
+ private Integer createLoanAccountMultipleRepaymentsDisbursement(final Integer clientID, final Long loanProductID,
+ final String externalId) {
+
+ String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("30")
+ .withLoanTermFrequencyAsDays().withNumberOfRepayments("1").withRepaymentEveryAfter("30").withRepaymentFrequencyTypeAsDays()
+ .withInterestRatePerPeriod("0").withInterestTypeAsFlatBalance().withAmortizationTypeAsEqualPrincipalPayments()
+ .withInterestCalculationPeriodTypeSameAsRepaymentPeriod().withExpectedDisbursementDate("03 March 2023")
+ .withSubmittedOnDate("03 March 2023").withLoanType("individual").withExternalId(externalId)
+ .build(clientID.toString(), loanProductID.toString(), null);
+
+ final Integer loanId = loanTransactionHelper.getLoanId(loanApplicationJSON);
+ loanTransactionHelper.approveLoan("03 March 2023", "1000", loanId, null);
+ return loanId;
+ }
+
+ private GetLoanProductsProductIdResponse createLoanProductWithDownPaymentConfigurationAndAccrualAccounting(
+ LoanTransactionHelper loanTransactionHelper, Integer delinquencyBucketId, Boolean enableDownPayment,
+ String disbursedAmountPercentageForDownPayment, boolean enableAutoRepaymentForDownPayment, final Account... accounts) {
+ final String loanProductJSON = new LoanProductTestBuilder().withPrincipal("1000").withRepaymentTypeAsMonth()
+ .withRepaymentAfterEvery("1").withNumberOfRepayments("1").withRepaymentTypeAsMonth().withinterestRatePerPeriod("0")
+ .withInterestRateFrequencyTypeAsMonths().withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsDecliningBalance()
+ .withAccountingRulePeriodicAccrual(accounts).withInterestCalculationPeriodTypeAsRepaymentPeriod(true).withDaysInMonth("30")
+ .withDaysInYear("365").withMoratorium("0", "0").withMultiDisburse().withDisallowExpectedDisbursements(true)
+ .withEnableDownPayment(enableDownPayment, disbursedAmountPercentageForDownPayment, enableAutoRepaymentForDownPayment)
+ .build(null);
+ final Integer loanProductId = loanTransactionHelper.getLoanProductId(loanProductJSON);
+ return loanTransactionHelper.getLoanProduct(loanProductId);
+ }
+
+ private Integer createLoanAccountWithAdvancedPaymentAllocation(final Integer clientID, final Long loanProductID,
+ final String externalId) {
+
+ String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("30")
+ .withRepaymentStrategy(AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY)
+ .withLoanTermFrequencyAsDays().withNumberOfRepayments("1").withRepaymentEveryAfter("30").withRepaymentFrequencyTypeAsDays()
+ .withInterestRatePerPeriod("0").withInterestTypeAsFlatBalance().withAmortizationTypeAsEqualPrincipalPayments()
+ .withInterestCalculationPeriodTypeSameAsRepaymentPeriod().withExpectedDisbursementDate("03 March 2023")
+ .withSubmittedOnDate("03 March 2023").withLoanType("individual").withExternalId(externalId)
+ .build(clientID.toString(), loanProductID.toString(), null);
+
+ final Integer loanId = loanTransactionHelper.getLoanId(loanApplicationJSON);
+ loanTransactionHelper.approveLoan("03 March 2023", "1000", loanId, null);
+ return loanId;
+ }
+
+ private GetLoanProductsProductIdResponse createProgressiveLoanProductWithDownPaymentConfigurationAndAccrualAccounting(
+ LoanTransactionHelper loanTransactionHelper, Boolean enableDownPayment, String disbursedAmountPercentageForDownPayment,
+ boolean enableAutoRepaymentForDownPayment, final Account... accounts) {
+ final String loanProductJSON = new LoanProductTestBuilder().withPrincipal("1000").withRepaymentTypeAsMonth()
+ .withLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL).withLoanScheduleType(LoanScheduleType.PROGRESSIVE)
+ .addAdvancedPaymentAllocation(createDefaultPaymentAllocation()).withRepaymentAfterEvery("1").withNumberOfRepayments("1")
+ .withRepaymentTypeAsMonth().withinterestRatePerPeriod("0").withInterestRateFrequencyTypeAsMonths()
+ .withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsDecliningBalance()
+ .withAccountingRulePeriodicAccrual(accounts).withInterestCalculationPeriodTypeAsRepaymentPeriod(true).withDaysInMonth("30")
+ .withDaysInYear("365").withMoratorium("0", "0").withMultiDisburse().withDisallowExpectedDisbursements(true)
+ .withEnableDownPayment(enableDownPayment, disbursedAmountPercentageForDownPayment, enableAutoRepaymentForDownPayment)
+ .build(null);
+ final Integer loanProductId = loanTransactionHelper.getLoanProductId(loanProductJSON);
+ return loanTransactionHelper.getLoanProduct(loanProductId);
+ }
+
+ private List<PaymentAllocationOrder> getPaymentAllocationOrder(PaymentAllocationType... paymentAllocationTypes) {
+ AtomicInteger integer = new AtomicInteger(1);
+ return Arrays.stream(paymentAllocationTypes).map(pat -> {
+ PaymentAllocationOrder paymentAllocationOrder = new PaymentAllocationOrder();
+ paymentAllocationOrder.setPaymentAllocationRule(pat.name());
+ paymentAllocationOrder.setOrder(integer.getAndIncrement());
+ return paymentAllocationOrder;
+ }).toList();
+ }
+
+ private AdvancedPaymentData createDefaultPaymentAllocation() {
+ AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData();
+ advancedPaymentData.setTransactionType("DEFAULT");
+ advancedPaymentData.setFutureInstallmentAllocationRule("NEXT_INSTALLMENT");
+
+ List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.PAST_DUE_PENALTY,
+ PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_PRINCIPAL, PaymentAllocationType.PAST_DUE_INTEREST,
+ PaymentAllocationType.DUE_PENALTY, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_PRINCIPAL,
+ PaymentAllocationType.DUE_INTEREST, PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_FEE,
+ PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_INTEREST);
+
+ advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders);
+ return advancedPaymentData;
+ }
+
+ private Integer createApproveAndDisburseLoanAccount(final Integer clientID, final Long loanProductID, final String externalId) {
+
+ String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("1")
+ .withLoanTermFrequencyAsMonths().withNumberOfRepayments("1").withRepaymentEveryAfter("1")
+ .withRepaymentFrequencyTypeAsMonths().withInterestRatePerPeriod("0").withInterestTypeAsFlatBalance()
+ .withAmortizationTypeAsEqualPrincipalPayments().withInterestCalculationPeriodTypeSameAsRepaymentPeriod()
+ .withExpectedDisbursementDate("03 September 2022").withSubmittedOnDate("01 September 2022").withLoanType("individual")
+ .withExternalId(externalId).build(clientID.toString(), loanProductID.toString(), null);
+
+ final Integer loanId = loanTransactionHelper.getLoanId(loanApplicationJSON);
+ loanTransactionHelper.approveLoan("02 September 2022", "1000", loanId, null);
+ loanTransactionHelper.disburseLoanWithNetDisbursalAmount("03 September 2022", loanId, "1000");
+ return loanId;
+ }
+
+ private GetLoanProductsProductIdResponse createLoanProductWithEnableDownPaymentAndMultipleDisbursementsWithDisableRepaymentConfiguration(
+ LoanTransactionHelper loanTransactionHelper, Boolean enableDownPayment, String disbursedAmountPercentageForDownPayment,
+ boolean enableAutoRepaymentForDownPayment) {
+ final String loanProductJSON = new LoanProductTestBuilder().withPrincipal("1000").withRepaymentTypeAsMonth()
+ .withRepaymentAfterEvery("1").withNumberOfRepayments("3").withRepaymentTypeAsMonth().withinterestRatePerPeriod("0")
+ .withInterestRateFrequencyTypeAsMonths().withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsDecliningBalance()
+ .withInterestCalculationPeriodTypeAsRepaymentPeriod(true).withDaysInMonth("30").withDaysInYear("365")
+ .withMoratorium("0", "0").withMultiDisburse().withDisallowExpectedDisbursements(true)
+ .withEnableDownPayment(enableDownPayment, disbursedAmountPercentageForDownPayment, enableAutoRepaymentForDownPayment)
+ .build(null);
+ final Integer loanProductId = loanTransactionHelper.getLoanProductId(loanProductJSON);
+ return loanTransactionHelper.getLoanProduct(loanProductId);
+ }
+
private Integer createLoanProductWithDownPaymentConfiguration(final LoanTransactionHelper loanTransactionHelper,
final Integer delinquencyBucketId, Boolean enableDownPayment, String disbursedAmountPercentageForDownPayment,
Boolean enableAutoRepaymentForDownPayment, boolean multiDisbursement) {
@@ -929,4 +1609,13 @@
loanTransactionHelper.disburseLoanWithTransactionAmount("04 September 2022", loanId, "300");
return loanId;
}
+
+ private PutLoanProductsProductIdResponse updateLoanProduct(LoanTransactionHelper loanTransactionHelper, Long id) {
+ // down-payment configuration
+ Boolean enableDownPayment = true;
+ BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25.0);
+ final PutLoanProductsProductIdRequest requestModifyLoan = new PutLoanProductsProductIdRequest().enableDownPayment(enableDownPayment)
+ .disbursedAmountPercentageForDownPayment(disbursedAmountPercentageForDownPayment).locale("en");
+ return loanTransactionHelper.updateLoanProduct(id, requestModifyLoan);
+ }
}
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/UndoLoanDisbursalWithDownPaymentIntegrationTest.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/UndoLoanDisbursalWithDownPaymentIntegrationTest.java
index b95b44a..6ecb979 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/UndoLoanDisbursalWithDownPaymentIntegrationTest.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/UndoLoanDisbursalWithDownPaymentIntegrationTest.java
@@ -931,11 +931,11 @@
// verify transactions
verifyTransactions(loanId, //
- transaction(250.0, "Down Payment", "01 January 2023"), //
transaction(1000.0, "Disbursement", "01 January 2023"), //
+ transaction(250.0, "Down Payment", "01 January 2023"), //
transaction(300.0, "Repayment", "10 January 2023"), //
- transaction(100.0, "Down Payment", "15 January 2023"), //
- transaction(400.0, "Disbursement", "15 January 2023") //
+ transaction(400.0, "Disbursement", "15 January 2023"), //
+ transaction(100.0, "Down Payment", "15 January 2023") //
);
// verify journal entries
@@ -966,8 +966,8 @@
// verify transactions
verifyTransactions(loanId, //
- transaction(250.0, "Down Payment", "01 January 2023"), //
transaction(1000.0, "Disbursement", "01 January 2023"), //
+ transaction(250.0, "Down Payment", "01 January 2023"), //
transaction(300.0, "Repayment", "10 January 2023") //
);
