| /** |
| * Licensed to the Apache Software Foundation (ASF) under one |
| * or more contributor license agreements. See the NOTICE file |
| * distributed with this work for additional information |
| * regarding copyright ownership. The ASF licenses this file |
| * to you under the Apache License, Version 2.0 (the |
| * "License"); you may not use this file except in compliance |
| * with the License. You may obtain a copy of the License at |
| * |
| * http://www.apache.org/licenses/LICENSE-2.0 |
| * |
| * Unless required by applicable law or agreed to in writing, |
| * software distributed under the License is distributed on an |
| * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY |
| * KIND, either express or implied. See the License for the |
| * specific language governing permissions and limitations |
| * under the License. |
| */ |
| package org.apache.fineract.integrationtests; |
| |
| import static java.lang.Boolean.TRUE; |
| import static org.junit.jupiter.api.Assertions.assertEquals; |
| import static org.junit.jupiter.api.Assertions.assertNotNull; |
| |
| import java.math.BigDecimal; |
| import org.apache.fineract.client.models.GetLoanProductsProductIdResponse; |
| import org.apache.fineract.client.models.PostLoanProductsRequest; |
| import org.apache.fineract.client.models.PostLoanProductsResponse; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.integrationtests.common.LoanRescheduleRequestHelper; |
| import org.apache.fineract.integrationtests.common.loans.LoanRescheduleRequestTestBuilder; |
| import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension; |
| import org.junit.jupiter.api.Test; |
| import org.junit.jupiter.api.extension.ExtendWith; |
| |
| @ExtendWith(LoanTestLifecycleExtension.class) |
| public class LoanRescheduleTestWithDownpayment extends BaseLoanIntegrationTest { |
| |
| public static final BigDecimal DOWN_PAYMENT_PERCENTAGE_20 = new BigDecimal(20); |
| public static final BigDecimal DOWN_PAYMENT_PERCENTAGE_25 = new BigDecimal(25); |
| public static final BigDecimal DOWN_PAYMENT_PERCENTAGE_33 = new BigDecimal(33); |
| |
| private final LoanRescheduleRequestHelper loanRescheduleRequestHelper = new LoanRescheduleRequestHelper(this.requestSpec, |
| this.responseSpec); |
| |
| @Test |
| public void testRescheduleWithDownPayment() { |
| runAt("01 January 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create Loan Product |
| Long loanProductId = createLoanProductWith25PctDownPayment(true, true); |
| |
| // Apply and Approve Loan |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 1500.0, 2); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(1500.0, null, "01 January 2023"), // |
| installment(375.0, false, "01 January 2023"), // |
| installment(563.0, false, "31 January 2023"), // |
| installment(562.0, false, "02 March 2023") // |
| ); |
| |
| // 1st Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1000.00), "01 January 2023"); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(250.0, "Down Payment", "01 January 2023"), // |
| transaction(1000.0, "Disbursement", "01 January 2023") // |
| ); |
| |
| // verify journal entries |
| verifyJournalEntries(loanId, journalEntry(250.0, loansReceivableAccount, "CREDIT"), // |
| journalEntry(250.0, fundSource, "DEBIT"), // |
| journalEntry(1000.0, loansReceivableAccount, "DEBIT"), // |
| journalEntry(1000.0, fundSource, "CREDIT") // |
| ); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(1000.0, null, "01 January 2023"), // |
| installment(250.0, true, "01 January 2023"), // |
| installment(375.0, false, "31 January 2023"), // |
| installment(375.0, false, "02 March 2023") // |
| ); |
| |
| String requestJSON = new LoanRescheduleRequestTestBuilder().updateGraceOnInterest(null).updateGraceOnPrincipal(null) |
| .updateExtraTerms(null).updateNewInterestRate(null).updateRescheduleFromDate("31 January 2023") |
| .updateAdjustedDueDate("15 February 2023").updateSubmittedOnDate("01 January 2023").updateRescheduleReasonId("1") |
| .build(loanId.toString()); |
| |
| Integer loanRescheduleRequest = loanRescheduleRequestHelper.createLoanRescheduleRequest(requestJSON); |
| requestJSON = new LoanRescheduleRequestTestBuilder().updateSubmittedOnDate("01 January 2023") |
| .getApproveLoanRescheduleRequestJSON(); |
| Integer approveLoanRescheduleRequest = loanRescheduleRequestHelper.approveLoanRescheduleRequest(loanRescheduleRequest, |
| requestJSON); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(1000.0, null, "01 January 2023"), // |
| installment(250.0, true, "01 January 2023"), // |
| installment(375.0, false, "15 February 2023"), // |
| installment(375.0, false, "17 March 2023") // |
| ); |
| }); |
| } |
| |
| @Test |
| public void testRescheduleAddExtraInstallmentsWithDownPayment() { |
| runAt("01 November 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create Loan Product |
| Long loanProductId = createLoanProductWith33PctDownPayment(true, true); |
| |
| // Apply and Approve Loan |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "02 October 2023", 1000.0, 3); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(1000.0, null, "02 October 2023"), // |
| installment(330.0, false, "02 October 2023"), // |
| installment(223.33, false, "01 November 2023"), // |
| installment(223.33, false, "01 December 2023"), // |
| installment(223.34, false, "31 December 2023") // |
| ); |
| |
| // 1st Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1000.00), "02 October 2023"); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(330.0, "Down Payment", "02 October 2023"), // |
| transaction(1000.0, "Disbursement", "02 October 2023") // |
| ); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(1000.0, null, "02 October 2023"), // |
| installment(330.0, true, "02 October 2023"), // |
| installment(223.33, false, "01 November 2023"), // |
| installment(223.33, false, "01 December 2023"), // |
| installment(223.34, false, "31 December 2023") // |
| ); |
| |
| String requestJSON = new LoanRescheduleRequestTestBuilder().updateGraceOnInterest(null).updateGraceOnPrincipal(null) |
| .updateExtraTerms("2").updateNewInterestRate(null).updateRescheduleFromDate("01 November 2023") |
| .updateAdjustedDueDate(null).updateSubmittedOnDate("01 November 2023").updateRescheduleReasonId("1") |
| .build(loanId.toString()); |
| |
| Integer loanRescheduleRequest = loanRescheduleRequestHelper.createLoanRescheduleRequest(requestJSON); |
| requestJSON = new LoanRescheduleRequestTestBuilder().updateSubmittedOnDate("01 November 2023") |
| .getApproveLoanRescheduleRequestJSON(); |
| Integer approveLoanRescheduleRequest = loanRescheduleRequestHelper.approveLoanRescheduleRequest(loanRescheduleRequest, |
| requestJSON); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(1000.0, null, "02 October 2023"), // |
| installment(330.0, true, "02 October 2023"), // |
| installment(134.0, false, "01 November 2023"), // |
| installment(134.0, false, "01 December 2023"), // |
| installment(134.0, false, "31 December 2023"), // |
| installment(134.0, false, "30 January 2024"), // |
| installment(134.0, false, "29 February 2024") // |
| ); |
| }); |
| } |
| |
| @Test |
| public void testRescheduleAddExtraInstallmentsMultipleDisbursementWithDownPayment() { |
| runAt("31 December 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create Loan Product |
| Long loanProductId = createLoanProductWith33PctDownPayment(true, true); |
| |
| // Apply and Approve Loan |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "02 October 2023", 1000.0, 3); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(1000.0, null, "02 October 2023"), // |
| installment(330.0, false, "02 October 2023"), // |
| installment(223.33, false, "01 November 2023"), // |
| installment(223.33, false, "01 December 2023"), // |
| installment(223.34, false, "31 December 2023") // |
| ); |
| |
| // 1st Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1000.00), "02 October 2023"); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(330.0, "Down Payment", "02 October 2023"), // |
| transaction(1000.0, "Disbursement", "02 October 2023") // |
| ); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(1000.0, null, "02 October 2023"), // |
| installment(330.0, true, "02 October 2023"), // |
| installment(223.33, false, "01 November 2023"), // |
| installment(223.33, false, "01 December 2023"), // |
| installment(223.34, false, "31 December 2023") // |
| ); |
| |
| // 2nd Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(200.00), "02 December 2023"); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(330.0, "Down Payment", "02 October 2023"), // |
| transaction(1000.0, "Disbursement", "02 October 2023"), // |
| transaction(200.0, "Disbursement", "02 December 2023"), // |
| transaction(66.0, "Down Payment", "02 December 2023") // |
| ); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(1000.0, null, "02 October 2023"), // |
| installment(330.0, true, "02 October 2023"), // |
| installment(268.0, false, "01 November 2023"), // |
| installment(268.0, false, "01 December 2023"), // |
| installment(200.0, null, "02 December 2023"), // |
| installment(66.0, false, "02 December 2023"), // |
| installment(268.0, false, "31 December 2023") // |
| ); |
| |
| String requestJSON = new LoanRescheduleRequestTestBuilder().updateGraceOnInterest(null).updateGraceOnPrincipal(null) |
| .updateExtraTerms("2").updateNewInterestRate(null).updateRescheduleFromDate("31 December 2023") |
| .updateAdjustedDueDate(null).updateSubmittedOnDate("31 December 2023").updateRescheduleReasonId("1") |
| .build(loanId.toString()); |
| |
| Integer loanRescheduleRequest = loanRescheduleRequestHelper.createLoanRescheduleRequest(requestJSON); |
| requestJSON = new LoanRescheduleRequestTestBuilder().updateSubmittedOnDate("31 December 2023") |
| .getApproveLoanRescheduleRequestJSON(); |
| Integer approveLoanRescheduleRequest = loanRescheduleRequestHelper.approveLoanRescheduleRequest(loanRescheduleRequest, |
| requestJSON); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(1000.0, null, "02 October 2023"), // |
| installment(330.0, true, "02 October 2023"), // |
| installment(268, false, "01 November 2023"), // |
| installment(268, false, "01 December 2023"), // |
| installment(200.0, null, "02 December 2023"), // |
| installment(66.0, false, "02 December 2023"), // |
| installment(89.33, false, "31 December 2023"), // |
| installment(89.33, false, "30 January 2024"), // |
| installment(89.34, false, "29 February 2024") // |
| ); |
| }); |
| } |
| |
| @Test |
| public void testRescheduleAddExtraInstallmentsDisbursementWithDownPaymentWithInterest() { |
| runAt("01 January 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create Loan Product |
| Long loanProductId = createLoanProductWith20PctDownPaymentWithDecliningBalanceInterest(true, true, 5.0); |
| |
| // Apply and Approve Loan |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 15000.0, 6, postLoansRequest -> { |
| postLoansRequest.interestRatePerPeriod(BigDecimal.valueOf(5)); |
| postLoansRequest.interestRatePerPeriod(BigDecimal.valueOf(5)); |
| postLoansRequest.repaymentEvery(1); |
| postLoansRequest.loanTermFrequencyType(RepaymentFrequencyType.MONTHS); |
| postLoansRequest.repaymentFrequencyType(RepaymentFrequencyType.MONTHS); |
| postLoansRequest.loanTermFrequency(6); |
| }); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(12000.0, null, "01 January 2023"), // |
| installment(3000.00, false, "01 January 2023"), // |
| installment(1764.21, false, "01 February 2023"), // |
| installment(1852.42, false, "01 March 2023"), // |
| installment(1945.04, false, "01 April 2023"), // |
| installment(2042.29, false, "01 May 2023"), // |
| installment(2144.41, false, "01 June 2023"), // |
| installment(2251.63, false, "01 July 2023") // |
| ); |
| |
| // 1st Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(12000.00), "01 January 2023"); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(2400.0, "Down Payment", "01 January 2023"), // |
| transaction(12000.0, "Disbursement", "01 January 2023") // |
| ); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(12000.0, null, "01 January 2023"), // |
| installment(2400.00, true, "01 January 2023"), // |
| installment(1411.37, false, "01 February 2023"), // |
| installment(1481.94, false, "01 March 2023"), // |
| installment(1556.04, false, "01 April 2023"), // |
| installment(1633.84, false, "01 May 2023"), // |
| installment(1715.53, false, "01 June 2023"), // |
| installment(1801.28, false, "01 July 2023") // |
| ); |
| |
| updateBusinessDate("01 June 2023"); |
| String requestJSON = new LoanRescheduleRequestTestBuilder().updateGraceOnInterest(null).updateGraceOnPrincipal(null) |
| .updateExtraTerms("2").updateNewInterestRate(null).updateRescheduleFromDate("01 June 2023").updateAdjustedDueDate(null) |
| .updateSubmittedOnDate("01 June 2023").updateRescheduleReasonId("1").build(loanId.toString()); |
| |
| Integer loanRescheduleRequest = loanRescheduleRequestHelper.createLoanRescheduleRequest(requestJSON); |
| requestJSON = new LoanRescheduleRequestTestBuilder().updateSubmittedOnDate("01 June 2023") |
| .getApproveLoanRescheduleRequestJSON(); |
| Integer approveLoanRescheduleRequest = loanRescheduleRequestHelper.approveLoanRescheduleRequest(loanRescheduleRequest, |
| requestJSON); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(12000.0, null, "01 January 2023"), // |
| installment(2400.00, true, "01 January 2023"), // |
| installment(1411.37, false, "01 February 2023"), // |
| installment(1481.94, false, "01 March 2023"), // |
| installment(1556.04, false, "01 April 2023"), // |
| installment(1633.84, false, "01 May 2023"), // |
| installment(815.94, false, "01 June 2023"), // |
| installment(856.74, false, "01 July 2023"), // |
| installment(899.57, false, "01 August 2023"), // |
| installment(944.56, false, "01 September 2023") // |
| ); |
| }); |
| } |
| |
| @Test |
| public void testRescheduleAddExtraInstallmentsMultipleDisbursementWithDownPaymentWithInterest() { |
| runAt("01 January 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create Loan Product |
| Long loanProductId = createLoanProductWith20PctDownPaymentWithDecliningBalanceInterest(true, true, 5.0); |
| |
| // Apply and Approve Loan |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 15000.0, 6, postLoansRequest -> { |
| postLoansRequest.interestRatePerPeriod(BigDecimal.valueOf(5)); |
| postLoansRequest.interestRatePerPeriod(BigDecimal.valueOf(5)); |
| postLoansRequest.repaymentEvery(1); |
| postLoansRequest.loanTermFrequencyType(RepaymentFrequencyType.MONTHS); |
| postLoansRequest.repaymentFrequencyType(RepaymentFrequencyType.MONTHS); |
| postLoansRequest.loanTermFrequency(6); |
| }); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(12000.0, null, "01 January 2023"), // |
| installment(3000.00, false, "01 January 2023"), // |
| installment(1764.21, false, "01 February 2023"), // |
| installment(1852.42, false, "01 March 2023"), // |
| installment(1945.04, false, "01 April 2023"), // |
| installment(2042.29, false, "01 May 2023"), // |
| installment(2144.41, false, "01 June 2023"), // |
| installment(2251.63, false, "01 July 2023") // |
| ); |
| |
| // 1st Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(12000.00), "01 January 2023"); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(2400.0, "Down Payment", "01 January 2023"), // |
| transaction(12000.0, "Disbursement", "01 January 2023") // |
| ); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(12000.0, null, "01 January 2023"), // |
| installment(2400.00, true, "01 January 2023"), // |
| installment(1411.37, false, "01 February 2023"), // |
| installment(1481.94, false, "01 March 2023"), // |
| installment(1556.04, false, "01 April 2023"), // |
| installment(1633.84, false, "01 May 2023"), // |
| installment(1715.53, false, "01 June 2023"), // |
| installment(1801.28, false, "01 July 2023") // |
| ); |
| |
| updateBusinessDate("02 May 2023"); |
| // 2nd Disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(3000.00), "02 May 2023"); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(2400.0, "Down Payment", "01 January 2023"), // |
| transaction(12000.0, "Disbursement", "01 January 2023"), // |
| transaction(3000.00, "Disbursement", "02 May 2023"), // |
| transaction(600.0, "Down Payment", "02 May 2023") // |
| ); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(12000.0, null, "01 January 2023"), // |
| installment(2400.00, true, "01 January 2023"), // |
| installment(1884.21, false, "01 February 2023"), // |
| installment(1978.42, false, "01 March 2023"), // |
| installment(2077.34, false, "01 April 2023"), // |
| installment(2181.21, false, "01 May 2023"), // |
| installment(3000.0, null, "02 May 2023"), // |
| installment(600.0, false, "02 May 2023"), // |
| installment(2174.14, false, "01 June 2023"), // |
| installment(1704.68, false, "01 July 2023") // |
| ); |
| |
| updateBusinessDate("01 June 2023"); |
| String requestJSON = new LoanRescheduleRequestTestBuilder().updateGraceOnInterest(null).updateGraceOnPrincipal(null) |
| .updateExtraTerms("2").updateNewInterestRate(null).updateRescheduleFromDate("01 June 2023").updateAdjustedDueDate(null) |
| .updateSubmittedOnDate("01 June 2023").updateRescheduleReasonId("1").build(loanId.toString()); |
| |
| Integer loanRescheduleRequest = loanRescheduleRequestHelper.createLoanRescheduleRequest(requestJSON); |
| requestJSON = new LoanRescheduleRequestTestBuilder().updateSubmittedOnDate("01 June 2023") |
| .getApproveLoanRescheduleRequestJSON(); |
| Integer approveLoanRescheduleRequest = loanRescheduleRequestHelper.approveLoanRescheduleRequest(loanRescheduleRequest, |
| requestJSON); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(12000.0, null, "01 January 2023"), // |
| installment(2400.00, true, "01 January 2023"), // |
| installment(1884.21, false, "01 February 2023"), // |
| installment(1978.42, false, "01 March 2023"), // |
| installment(2077.34, false, "01 April 2023"), // |
| installment(2181.21, false, "01 May 2023"), // |
| installment(3000.0, null, "02 May 2023"), // |
| installment(600.0, false, "02 May 2023"), // |
| installment(903.80, false, "01 June 2023"), // |
| installment(945.12, false, "01 July 2023"), // |
| installment(992.37, false, "01 August 2023"), // |
| installment(1037.53, false, "01 September 2023")// |
| ); |
| }); |
| } |
| |
| private Long createLoanProductWith25PctDownPayment(boolean autoDownPaymentEnabled, boolean multiDisburseEnabled) { |
| PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct(); |
| product.setMultiDisburseLoan(multiDisburseEnabled); |
| |
| if (!multiDisburseEnabled) { |
| product.disallowExpectedDisbursements(null); |
| product.setAllowApprovedDisbursedAmountsOverApplied(null); |
| product.overAppliedCalculationType(null); |
| product.overAppliedNumber(null); |
| } |
| |
| product.setEnableDownPayment(true); |
| product.setDisbursedAmountPercentageForDownPayment(DOWN_PAYMENT_PERCENTAGE_25); |
| product.setEnableAutoRepaymentForDownPayment(autoDownPaymentEnabled); |
| |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product); |
| GetLoanProductsProductIdResponse getLoanProductsProductIdResponse = loanProductHelper |
| .retrieveLoanProductById(loanProductResponse.getResourceId()); |
| |
| Long loanProductId = loanProductResponse.getResourceId(); |
| |
| assertEquals(TRUE, getLoanProductsProductIdResponse.getEnableDownPayment()); |
| assertNotNull(getLoanProductsProductIdResponse.getDisbursedAmountPercentageForDownPayment()); |
| assertEquals(0, |
| getLoanProductsProductIdResponse.getDisbursedAmountPercentageForDownPayment().compareTo(DOWN_PAYMENT_PERCENTAGE_25)); |
| assertEquals(autoDownPaymentEnabled, getLoanProductsProductIdResponse.getEnableAutoRepaymentForDownPayment()); |
| assertEquals(multiDisburseEnabled, getLoanProductsProductIdResponse.getMultiDisburseLoan()); |
| return loanProductId; |
| } |
| |
| private Long createLoanProductWith33PctDownPayment(boolean autoDownPaymentEnabled, boolean multiDisburseEnabled) { |
| PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct(); |
| product.setMultiDisburseLoan(multiDisburseEnabled); |
| product.repaymentEvery(1); |
| product.repaymentFrequencyType(RepaymentFrequencyType.MONTHS.longValue()); |
| product.installmentAmountInMultiplesOf(null); |
| |
| if (!multiDisburseEnabled) { |
| product.disallowExpectedDisbursements(null); |
| product.setAllowApprovedDisbursedAmountsOverApplied(null); |
| product.overAppliedCalculationType(null); |
| product.overAppliedNumber(null); |
| } |
| |
| product.setEnableDownPayment(true); |
| product.setDisbursedAmountPercentageForDownPayment(DOWN_PAYMENT_PERCENTAGE_33); |
| product.setEnableAutoRepaymentForDownPayment(autoDownPaymentEnabled); |
| |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product); |
| GetLoanProductsProductIdResponse getLoanProductsProductIdResponse = loanProductHelper |
| .retrieveLoanProductById(loanProductResponse.getResourceId()); |
| |
| Long loanProductId = loanProductResponse.getResourceId(); |
| |
| assertEquals(TRUE, getLoanProductsProductIdResponse.getEnableDownPayment()); |
| assertNotNull(getLoanProductsProductIdResponse.getDisbursedAmountPercentageForDownPayment()); |
| assertEquals(0, |
| getLoanProductsProductIdResponse.getDisbursedAmountPercentageForDownPayment().compareTo(DOWN_PAYMENT_PERCENTAGE_33)); |
| assertEquals(autoDownPaymentEnabled, getLoanProductsProductIdResponse.getEnableAutoRepaymentForDownPayment()); |
| assertEquals(multiDisburseEnabled, getLoanProductsProductIdResponse.getMultiDisburseLoan()); |
| return loanProductId; |
| } |
| |
| private Long createLoanProductWith20PctDownPaymentWithDecliningBalanceInterest(boolean autoDownPaymentEnabled, |
| boolean multiDisburseEnabled, double interestRate) { |
| PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct(); |
| product.setMultiDisburseLoan(multiDisburseEnabled); |
| product.repaymentEvery(1); |
| product.repaymentFrequencyType(RepaymentFrequencyType.MONTHS.longValue()); |
| product.installmentAmountInMultiplesOf(null); |
| product.interestRatePerPeriod(interestRate); |
| |
| if (!multiDisburseEnabled) { |
| product.disallowExpectedDisbursements(null); |
| product.setAllowApprovedDisbursedAmountsOverApplied(null); |
| product.overAppliedCalculationType(null); |
| product.overAppliedNumber(null); |
| } |
| |
| product.setEnableDownPayment(true); |
| product.setDisbursedAmountPercentageForDownPayment(DOWN_PAYMENT_PERCENTAGE_20); |
| product.setEnableAutoRepaymentForDownPayment(autoDownPaymentEnabled); |
| |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product); |
| GetLoanProductsProductIdResponse getLoanProductsProductIdResponse = loanProductHelper |
| .retrieveLoanProductById(loanProductResponse.getResourceId()); |
| |
| Long loanProductId = loanProductResponse.getResourceId(); |
| |
| assertEquals(TRUE, getLoanProductsProductIdResponse.getEnableDownPayment()); |
| assertNotNull(getLoanProductsProductIdResponse.getDisbursedAmountPercentageForDownPayment()); |
| assertEquals(0, |
| getLoanProductsProductIdResponse.getDisbursedAmountPercentageForDownPayment().compareTo(DOWN_PAYMENT_PERCENTAGE_20)); |
| assertEquals(autoDownPaymentEnabled, getLoanProductsProductIdResponse.getEnableAutoRepaymentForDownPayment()); |
| assertEquals(multiDisburseEnabled, getLoanProductsProductIdResponse.getMultiDisburseLoan()); |
| return loanProductId; |
| } |
| |
| } |
