| /** |
| * 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.loan.reamortization; |
| |
| import static org.junit.jupiter.api.Assertions.assertNotNull; |
| |
| import java.math.BigDecimal; |
| import java.util.concurrent.atomic.AtomicLong; |
| 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.client.models.PostLoansLoanIdResponse; |
| import org.apache.fineract.client.models.PostLoansRequest; |
| import org.apache.fineract.client.models.PostLoansResponse; |
| import org.apache.fineract.integrationtests.BaseLoanIntegrationTest; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder; |
| import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension; |
| import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleProcessingType; |
| import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleType; |
| import org.junit.jupiter.api.Test; |
| import org.junit.jupiter.api.extension.ExtendWith; |
| |
| @ExtendWith(LoanTestLifecycleExtension.class) |
| public class LoanReAmortizationIntegrationTest extends BaseLoanIntegrationTest { |
| |
| public static final BigDecimal DOWN_PAYMENT_PERCENTAGE = new BigDecimal(25); |
| |
| @Test |
| public void test_LoanReAmortizeTransaction_Works() { |
| AtomicLong createdLoanId = new AtomicLong(); |
| |
| runAt("01 January 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| int numberOfRepayments = 2; |
| int repaymentEvery = 1; |
| |
| // Create Loan Product |
| PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation() // |
| .numberOfRepayments(numberOfRepayments) // |
| .repaymentEvery(repaymentEvery) // |
| .repaymentFrequencyType(RepaymentFrequencyType.MONTHS.longValue()); // |
| |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product); |
| Long loanProductId = loanProductResponse.getResourceId(); |
| |
| // Apply and Approve Loan |
| double amount = 1250.0; |
| |
| PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", amount, numberOfRepayments)// |
| .transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY)// |
| .repaymentEvery(repaymentEvery)// |
| .loanTermFrequency(numberOfRepayments)// |
| .repaymentFrequencyType(RepaymentFrequencyType.MONTHS)// |
| .loanTermFrequencyType(RepaymentFrequencyType.MONTHS); |
| |
| PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest); |
| |
| PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(), |
| approveLoanRequest(amount, "01 January 2023")); |
| |
| Long loanId = approvedLoanResult.getLoanId(); |
| |
| // disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023"); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(1250.0, "Disbursement", "01 January 2023") // |
| ); |
| |
| // verify schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(625.0, false, "01 February 2023"), // |
| installment(625.0, false, "01 March 2023") // |
| ); |
| |
| createdLoanId.set(loanId); |
| }); |
| |
| runAt("02 February 2023", () -> { |
| long loanId = createdLoanId.get(); |
| |
| // create re-amortize transaction |
| reAmortizeLoan(loanId); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(1250.0, "Disbursement", "01 January 2023"), // |
| transaction(625.0, "Re-amortize", "02 February 2023") // |
| ); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(0.0, true, "01 February 2023"), // |
| installment(1250.0, false, "01 March 2023") // |
| ); |
| }); |
| } |
| |
| @Test |
| public void test_LoanUndoReAmortizeTransaction_Works() { |
| AtomicLong createdLoanId = new AtomicLong(); |
| |
| runAt("01 January 2023", () -> { |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| int numberOfRepayments = 2; |
| int repaymentEvery = 1; |
| |
| // Create Loan Product |
| PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation() // |
| .numberOfRepayments(numberOfRepayments) // |
| .repaymentEvery(repaymentEvery) // |
| .repaymentFrequencyType(RepaymentFrequencyType.MONTHS.longValue()); // |
| |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product); |
| Long loanProductId = loanProductResponse.getResourceId(); |
| |
| // Apply and Approve Loan |
| double amount = 1250.0; |
| |
| PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", amount, numberOfRepayments)// |
| .transactionProcessingStrategyCode(LoanProductTestBuilder.ADVANCED_PAYMENT_ALLOCATION_STRATEGY)// |
| .repaymentEvery(repaymentEvery)// |
| .loanTermFrequency(numberOfRepayments)// |
| .repaymentFrequencyType(RepaymentFrequencyType.MONTHS)// |
| .loanTermFrequencyType(RepaymentFrequencyType.MONTHS); |
| |
| PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest); |
| |
| PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(), |
| approveLoanRequest(amount, "01 January 2023")); |
| |
| Long loanId = approvedLoanResult.getLoanId(); |
| |
| // disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023"); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(1250.0, "Disbursement", "01 January 2023") // |
| ); |
| |
| // verify schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(625.0, false, "01 February 2023"), // |
| installment(625.0, false, "01 March 2023") // |
| ); |
| |
| createdLoanId.set(loanId); |
| }); |
| |
| runAt("02 February 2023", () -> { |
| long loanId = createdLoanId.get(); |
| |
| // create re-amortize transaction |
| reAmortizeLoan(loanId); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(1250.0, "Disbursement", "01 January 2023"), // |
| transaction(625.0, "Re-amortize", "02 February 2023") // |
| ); |
| }); |
| |
| runAt("03 February 2023", () -> { |
| long loanId = createdLoanId.get(); |
| |
| // undo re-amortize transaction |
| undoReAmortizeLoan(loanId); |
| |
| // verify transactions |
| verifyTransactions(loanId, // |
| transaction(1250.0, "Disbursement", "01 January 2023"), // |
| reversedTransaction(625.0, "Re-amortize", "02 February 2023") // |
| ); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(625.0, false, "01 February 2023"), // |
| installment(625.0, false, "01 March 2023") // |
| ); |
| }); |
| } |
| |
| @Test |
| public void reAmortizeLoanRepaymentScheduleTest() { |
| runAt("01 January 2023", () -> { |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15); |
| |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> { |
| req.setRepaymentEvery(15); |
| req.setLoanTermFrequency(45); |
| req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy"); |
| req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString()); |
| req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString()); |
| }); |
| |
| disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(125.0, false, "16 January 2023"), // |
| installment(125.0, false, "31 January 2023"), // |
| installment(125.0, false, "15 February 2023")// |
| ); |
| |
| updateBusinessDate("05 January 2023"); |
| addCharge(loanId, false, 10.0, "05 January 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(125.0, 0.0, 10.0, 135.0, false, "16 January 2023"), // |
| installment(125.0, false, "31 January 2023"), // |
| installment(125.0, false, "15 February 2023")// |
| ); |
| |
| updateBusinessDate("25 January 2023"); |
| |
| reAmortizeLoan(loanId); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(0.0, 0.0, 10.0, 10.0, false, "16 January 2023"), // |
| installment(187.5, false, "31 January 2023"), // |
| installment(187.5, false, "15 February 2023")// |
| ); |
| }); |
| } |
| |
| @Test |
| public void completePastDueReAmortizationTest() { |
| runAt("01 January 2023", () -> { |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15); |
| |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> { |
| req.setRepaymentEvery(15); |
| req.setLoanTermFrequency(45); |
| req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy"); |
| req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString()); |
| req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString()); |
| }); |
| |
| disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(125.0, false, "16 January 2023"), // |
| installment(125.0, false, "31 January 2023"), // |
| installment(125.0, false, "15 February 2023")// |
| ); |
| |
| updateBusinessDate("01 February 2023"); |
| |
| reAmortizeLoan(loanId); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(0.0, true, "16 January 2023"), // |
| installment(0.0, true, "31 January 2023"), // |
| installment(375.0, false, "15 February 2023")// |
| ); |
| }); |
| } |
| |
| @Test |
| public void partiallyPaidReAmortizationTest() { |
| runAt("01 January 2023", () -> { |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15); |
| |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> { |
| req.setRepaymentEvery(15); |
| req.setLoanTermFrequency(45); |
| req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy"); |
| req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString()); |
| req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString()); |
| }); |
| |
| disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(125.0, false, "16 January 2023"), // |
| installment(125.0, false, "31 January 2023"), // |
| installment(125.0, false, "15 February 2023")// |
| ); |
| |
| updateBusinessDate("17 January 2023"); |
| addRepaymentForLoan(loanId, 50.0, "17 January 2023"); |
| |
| updateBusinessDate("30 January 2023"); |
| |
| reAmortizeLoan(loanId); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(50.0, true, "16 January 2023"), // |
| installment(162.5, false, "31 January 2023"), // |
| installment(162.5, false, "15 February 2023")// |
| ); |
| }); |
| } |
| |
| @Test |
| public void reAmortizationOnSameDayOfInstallmentTest() { |
| runAt("01 January 2023", () -> { |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15); |
| |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> { |
| req.setRepaymentEvery(15); |
| req.setLoanTermFrequency(45); |
| req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy"); |
| req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString()); |
| req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString()); |
| }); |
| |
| disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(125.0, false, "16 January 2023"), // |
| installment(125.0, false, "31 January 2023"), // |
| installment(125.0, false, "15 February 2023")// |
| ); |
| |
| updateBusinessDate("05 January 2023"); |
| addCharge(loanId, false, 10.0, "05 January 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(125.0, 0.0, 10.0, 135.0, false, "16 January 2023"), // |
| installment(125.0, false, "31 January 2023"), // |
| installment(125.0, false, "15 February 2023")// |
| ); |
| |
| updateBusinessDate("31 January 2023"); |
| |
| reAmortizeLoan(loanId); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(0.0, 0.0, 10.0, 10.0, false, "16 January 2023"), // |
| installment(0.0, true, "31 January 2023"), // |
| installment(375.0, false, "15 February 2023")// |
| ); |
| }); |
| } |
| |
| @Test |
| public void reAmortizationNPlusOneInstallmentTest() { |
| runAt("01 January 2023", () -> { |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15); |
| |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> { |
| req.setRepaymentEvery(15); |
| req.setLoanTermFrequency(45); |
| req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy"); |
| req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString()); |
| req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString()); |
| }); |
| |
| disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(125.0, false, "16 January 2023"), // |
| installment(125.0, false, "31 January 2023"), // |
| installment(125.0, false, "15 February 2023")// |
| ); |
| |
| updateBusinessDate("01 February 2023"); |
| addCharge(loanId, false, 10.0, "27 February 2023"); |
| |
| reAmortizeLoan(loanId); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(0.0, true, "16 January 2023"), // |
| installment(0.0, true, "31 January 2023"), // |
| installment(375.0, false, "15 February 2023"), // |
| installment(0.0, 0.0, 10.0, false, "27 February 2023") // |
| ); |
| }); |
| } |
| |
| @Test |
| public void reAmortizationBackdatedRepaymentAndReplayTest() { |
| runAt("01 January 2023", () -> { |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15); |
| |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> { |
| req.setRepaymentEvery(15); |
| req.setLoanTermFrequency(45); |
| req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy"); |
| req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString()); |
| req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString()); |
| }); |
| |
| disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(125.0, false, "16 January 2023"), // |
| installment(125.0, false, "31 January 2023"), // |
| installment(125.0, false, "15 February 2023")// |
| ); |
| |
| updateBusinessDate("01 February 2023"); |
| |
| reAmortizeLoan(loanId); |
| |
| updateBusinessDate("01 February 2023"); |
| addRepaymentForLoan(loanId, 125.0, "15 January 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(125.0, true, "16 January 2023"), // |
| installment(0.0, true, "31 January 2023"), // |
| installment(250.0, false, "15 February 2023")// |
| ); |
| }); |
| } |
| |
| @Test |
| public void reAmortizationUndoRepaymentAndReplayTest() { |
| runAt("01 January 2023", () -> { |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15); |
| |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> { |
| req.setRepaymentEvery(15); |
| req.setLoanTermFrequency(45); |
| req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy"); |
| req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString()); |
| req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString()); |
| }); |
| |
| disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(125.0, false, "16 January 2023"), // |
| installment(125.0, false, "31 January 2023"), // |
| installment(125.0, false, "15 February 2023")// |
| ); |
| |
| updateBusinessDate("15 January 2023"); |
| Long repaymentTransactionId = addRepaymentForLoan(loanId, 125.0, "15 January 2023"); |
| |
| updateBusinessDate("01 February 2023"); |
| |
| reAmortizeLoan(loanId); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(125.0, true, "16 January 2023"), // |
| installment(0.0, true, "31 January 2023"), // |
| installment(250.0, false, "15 February 2023")// |
| ); |
| |
| loanTransactionHelper.reverseRepayment(loanId.intValue(), repaymentTransactionId.intValue(), "01 February 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(0.0, true, "16 January 2023"), // |
| installment(0.0, true, "31 January 2023"), // |
| installment(375.0, false, "15 February 2023")// |
| ); |
| }); |
| } |
| |
| @Test |
| public void reverseReAmortizationTest() { |
| runAt("01 January 2023", () -> { |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15); |
| |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 3, req -> { |
| req.setRepaymentEvery(15); |
| req.setLoanTermFrequency(45); |
| req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy"); |
| req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString()); |
| req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString()); |
| }); |
| |
| disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(125.0, false, "16 January 2023"), // |
| installment(125.0, false, "31 January 2023"), // |
| installment(125.0, false, "15 February 2023")// |
| ); |
| |
| updateBusinessDate("01 February 2023"); |
| |
| reAmortizeLoan(loanId); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(0.0, true, "16 January 2023"), // |
| installment(0.0, true, "31 January 2023"), // |
| installment(375.0, false, "15 February 2023")// |
| ); |
| |
| updateBusinessDate("02 February 2023"); |
| |
| undoReAmortizeLoan(loanId); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(125.0, false, "16 January 2023"), // |
| installment(125.0, false, "31 January 2023"), // |
| installment(125.0, false, "15 February 2023")// |
| ); |
| }); |
| } |
| |
| @Test |
| public void reAmortizationDivisionTest() { |
| runAt("01 January 2023", () -> { |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(4, 15, BigDecimal.valueOf(20)); |
| |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 500.0, 4, req -> { |
| req.setRepaymentEvery(15); |
| req.setLoanTermFrequency(60); |
| req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy"); |
| req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString()); |
| req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString()); |
| }); |
| |
| disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(100.0, true, "01 January 2023"), // |
| installment(100.0, false, "16 January 2023"), // |
| installment(100.0, false, "31 January 2023"), // |
| installment(100.0, false, "15 February 2023"), // |
| installment(100.0, false, "02 March 2023")// |
| ); |
| |
| updateBusinessDate("17 January 2023"); |
| |
| reAmortizeLoan(loanId); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(100.0, true, "01 January 2023"), // |
| installment(0.0, true, "16 January 2023"), // |
| installment(133.33, false, "31 January 2023"), // |
| installment(133.33, false, "15 February 2023"), // |
| installment(133.34, false, "02 March 2023")// |
| ); |
| }); |
| } |
| |
| @Test |
| public void secondDisbursementAfterReAmortizationTest() { |
| runAt("01 January 2023", () -> { |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| Long loanProductId = createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(3, 15); |
| |
| Long loanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2023", 1000.0, 3, req -> { |
| req.setRepaymentEvery(15); |
| req.setLoanTermFrequency(45); |
| req.setTransactionProcessingStrategyCode("advanced-payment-allocation-strategy"); |
| req.setLoanScheduleProcessingType(LoanScheduleType.PROGRESSIVE.toString()); |
| req.setLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.toString()); |
| }); |
| |
| disburseLoan(loanId, BigDecimal.valueOf(500.00), "01 January 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(125.0, false, "16 January 2023"), // |
| installment(125.0, false, "31 January 2023"), // |
| installment(125.0, false, "15 February 2023") // |
| ); |
| |
| updateBusinessDate("16 January 2023"); |
| addCharge(loanId, false, 10.0, "16 January 2023"); |
| |
| updateBusinessDate("25 January 2023"); |
| reAmortizeLoan(loanId); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(0.0, 0.0, 10.0, 10.0, false, "16 January 2023"), // |
| installment(187.5, false, "31 January 2023"), // |
| installment(187.5, false, "15 February 2023") // |
| ); |
| |
| updateBusinessDate("26 January 2023"); |
| |
| disburseLoan(loanId, BigDecimal.valueOf(500.00), "26 January 2023"); |
| |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(125.0, true, "01 January 2023"), // |
| installment(0.0, 0.0, 10.0, 0.0, true, "16 January 2023"), // |
| installment(500.0, null, "26 January 2023"), // |
| installment(125.0, false, "26 January 2023"), // |
| installment(375.0, false, "31 January 2023"), // |
| installment(375.0, false, "15 February 2023") // |
| ); |
| }); |
| } |
| |
| private Long createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(int numberOfInstallments, int repaymentEvery) { |
| return createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(numberOfInstallments, repaymentEvery, |
| DOWN_PAYMENT_PERCENTAGE); |
| } |
| |
| private Long createLoanProductWithMultiDisbursalAndRepaymentsWithEnableDownPayment(int numberOfInstallments, int repaymentEvery, |
| BigDecimal downPaymentPercentage) { |
| boolean multiDisburseEnabled = true; |
| PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation(); |
| product.setMultiDisburseLoan(multiDisburseEnabled); |
| product.setNumberOfRepayments(numberOfInstallments); |
| product.setRepaymentEvery(repaymentEvery); |
| |
| if (!multiDisburseEnabled) { |
| product.disallowExpectedDisbursements(null); |
| product.setAllowApprovedDisbursedAmountsOverApplied(null); |
| product.overAppliedCalculationType(null); |
| product.overAppliedNumber(null); |
| } |
| |
| product.setEnableDownPayment(true); |
| product.setDisbursedAmountPercentageForDownPayment(downPaymentPercentage); |
| product.setEnableAutoRepaymentForDownPayment(true); |
| product.setInstallmentAmountInMultiplesOf(null); |
| |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product); |
| GetLoanProductsProductIdResponse getLoanProductsProductIdResponse = loanProductHelper |
| .retrieveLoanProductById(loanProductResponse.getResourceId()); |
| assertNotNull(getLoanProductsProductIdResponse); |
| return loanProductResponse.getResourceId(); |
| } |
| } |
