| /** |
| * Licensed to the Apache Software Foundation (ASF) under one |
| * or more contributor license agreements. See the NOTICE file |
| * distributed with this work for additional information |
| * regarding copyright ownership. The ASF licenses this file |
| * to you under the Apache License, Version 2.0 (the |
| * "License"); you may not use this file except in compliance |
| * with the License. You may obtain a copy of the License at |
| * |
| * http://www.apache.org/licenses/LICENSE-2.0 |
| * |
| * Unless required by applicable law or agreed to in writing, |
| * software distributed under the License is distributed on an |
| * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY |
| * KIND, either express or implied. See the License for the |
| * specific language governing permissions and limitations |
| * under the License. |
| */ |
| package org.apache.fineract.integrationtests; |
| |
| import static org.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 java.math.BigDecimal; |
| import java.time.LocalDate; |
| import java.util.ArrayList; |
| import java.util.HashMap; |
| import java.util.List; |
| import java.util.UUID; |
| 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.PostChargesResponse; |
| import org.apache.fineract.client.models.PostClientsResponse; |
| import org.apache.fineract.client.models.PostLoanProductsRequest; |
| import org.apache.fineract.client.models.PostLoanProductsResponse; |
| import org.apache.fineract.client.models.PostLoansLoanIdChargesResponse; |
| import org.apache.fineract.client.models.PostLoansLoanIdRequest; |
| 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.PostLoansRequest; |
| import org.apache.fineract.client.models.PostLoansResponse; |
| 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.JournalEntry; |
| 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.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.domain.transactionprocessor.impl.DuePenFeeIntPriInAdvancePriPenFeeIntLoanRepaymentScheduleTransactionProcessor; |
| import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleProcessingType; |
| import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleType; |
| import org.junit.jupiter.api.Test; |
| |
| public class LoanRepaymentScheduleWithDownPaymentTest extends BaseLoanIntegrationTest { |
| |
| @Test |
| public void loanRepaymentScheduleWithSimpleDisbursementAndDownPayment() { |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = false; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| 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, "1", "0"); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| List<GetLoansLoanIdRepaymentPeriod> periods = loanDetails.getRepaymentSchedule().getPeriods(); |
| Double expectedDownPaymentAmount = 250.00; |
| LocalDate expectedDownPaymentDueDate = LocalDate.of(2022, 9, 3); |
| Double expectedRepaymentAmount = 750.00; |
| LocalDate expectedRepaymentDueDate = LocalDate.of(2022, 10, 3); |
| |
| assertTrue(periods.stream() // |
| .anyMatch(period -> expectedDownPaymentAmount.equals(period.getTotalDueForPeriod()) // |
| && expectedDownPaymentDueDate.equals(period.getDueDate()))); |
| assertTrue(periods.stream().anyMatch(period -> expectedRepaymentAmount.equals(period.getTotalDueForPeriod()) |
| && expectedRepaymentDueDate.equals(period.getDueDate()))); |
| } |
| |
| @Test |
| public void loanRepaymentScheduleWithSimpleDisbursementAndAutoRepaymentDownPayment() { |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = true; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| 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, "1", "0"); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| GetLoansLoanIdSummary summary = loanDetails.getSummary(); |
| |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| List<GetLoansLoanIdRepaymentPeriod> periods = loanDetails.getRepaymentSchedule().getPeriods(); |
| Double expectedDownPaymentAmount = 250.00; |
| LocalDate expectedDownPaymentDueDate = LocalDate.of(2022, 9, 3); |
| Double expectedRepaymentAmount = 750.00; |
| LocalDate expectedRepaymentDueDate = LocalDate.of(2022, 10, 3); |
| |
| assertTrue(periods.stream() // |
| .anyMatch(period -> expectedDownPaymentAmount.equals(period.getTotalPaidForPeriod()) // |
| && expectedDownPaymentDueDate.equals(period.getDueDate()))); |
| assertEquals(expectedRepaymentAmount, summary.getTotalOutstanding()); |
| assertEquals(expectedDownPaymentAmount, summary.getTotalRepaymentTransaction()); |
| assertTrue(periods.stream().anyMatch(period -> expectedRepaymentAmount.equals(period.getTotalDueForPeriod()) |
| && expectedRepaymentDueDate.equals(period.getDueDate()))); |
| } |
| |
| @Test |
| public void loanRepaymentScheduleWithMultiDisbursementProductOneDisbursementAndDownPayment() { |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = false; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment, |
| "25", enableAutoRepaymentForDownPayment, true); |
| |
| 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, "1", "0"); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| List<GetLoansLoanIdRepaymentPeriod> periods = loanDetails.getRepaymentSchedule().getPeriods(); |
| Double expectedDownPaymentAmount = 250.00; |
| LocalDate expectedDownPaymentDueDate = LocalDate.of(2022, 9, 3); |
| Double expectedRepaymentAmount = 750.00; |
| LocalDate expectedRepaymentDueDate = LocalDate.of(2022, 10, 3); |
| |
| assertTrue(periods.stream() // |
| .anyMatch(period -> expectedDownPaymentAmount.equals(period.getTotalDueForPeriod()) // |
| && expectedDownPaymentDueDate.equals(period.getDueDate()))); |
| assertTrue(periods.stream().anyMatch(period -> expectedRepaymentAmount.equals(period.getTotalDueForPeriod()) |
| && expectedRepaymentDueDate.equals(period.getDueDate()))); |
| } |
| |
| @Test |
| public void loanRepaymentScheduleWithMultiDisbursementProductTwoDisbursementAndDownPayment() { |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = false; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment, |
| "25", enableAutoRepaymentForDownPayment, true); |
| |
| 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 = createApproveAndDisburseTwiceLoanAccount(clientId, loanProductId.longValue(), loanExternalIdStr, "1", "0"); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| List<GetLoansLoanIdRepaymentPeriod> periods = loanDetails.getRepaymentSchedule().getPeriods(); |
| Double expectedFirstDownPaymentAmount = 175.00; |
| LocalDate expectedFirstDownPaymentDueDate = LocalDate.of(2022, 9, 3); |
| Double expectedSecondDownPaymentAmount = 75.00; |
| LocalDate expectedSecondDownPaymentDueDate = LocalDate.of(2022, 9, 4); |
| Double expectedRepaymentAmount = 750.00; |
| LocalDate expectedRepaymentDueDate = LocalDate.of(2022, 10, 3); |
| |
| assertTrue(periods.stream() // |
| .anyMatch(period -> expectedFirstDownPaymentAmount.equals(period.getTotalDueForPeriod()) // |
| && expectedFirstDownPaymentDueDate.equals(period.getDueDate()))); |
| assertTrue(periods.stream() // |
| .anyMatch(period -> expectedSecondDownPaymentAmount.equals(period.getTotalDueForPeriod()) |
| && expectedSecondDownPaymentDueDate.equals(period.getDueDate()))); |
| assertTrue(periods.stream().anyMatch(period -> expectedRepaymentAmount.equals(period.getTotalDueForPeriod()) |
| && expectedRepaymentDueDate.equals(period.getDueDate()))); |
| } |
| |
| @Test |
| public void loanRepaymentScheduleWithMultiDisbursementProductTwoDisbursementAndAutoRepaymentDownPayment() { |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = true; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment, |
| "25", enableAutoRepaymentForDownPayment, true); |
| |
| 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 = createApproveAndDisburseTwiceLoanAccount(clientId, loanProductId.longValue(), loanExternalIdStr, "1", "0"); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| GetLoansLoanIdSummary summary = loanDetails.getSummary(); |
| |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| List<GetLoansLoanIdRepaymentPeriod> periods = loanDetails.getRepaymentSchedule().getPeriods(); |
| Double expectedFirstDownPaymentAmount = 175.00; |
| LocalDate expectedFirstDownPaymentDueDate = LocalDate.of(2022, 9, 3); |
| Double expectedSecondDownPaymentAmount = 75.00; |
| LocalDate expectedSecondDownPaymentDueDate = LocalDate.of(2022, 9, 4); |
| Double expectedRepaymentAmount = 750.00; |
| LocalDate expectedRepaymentDueDate = LocalDate.of(2022, 10, 3); |
| Double expectedTotalRepaymentAmount = expectedFirstDownPaymentAmount + expectedSecondDownPaymentAmount; |
| |
| assertTrue(periods.stream() // |
| .anyMatch(period -> expectedFirstDownPaymentAmount.equals(period.getTotalPaidForPeriod()) // |
| && expectedFirstDownPaymentDueDate.equals(period.getDueDate()))); |
| assertTrue(periods.stream() // |
| .anyMatch(period -> expectedSecondDownPaymentAmount.equals(period.getTotalPaidForPeriod()) |
| && expectedSecondDownPaymentDueDate.equals(period.getDueDate()))); |
| assertTrue(periods.stream().anyMatch(period -> expectedRepaymentAmount.equals(period.getTotalDueForPeriod()) |
| && expectedRepaymentDueDate.equals(period.getDueDate()))); |
| assertEquals(expectedRepaymentAmount, summary.getTotalOutstanding()); |
| assertEquals(expectedTotalRepaymentAmount, summary.getTotalRepaymentTransaction()); |
| } |
| |
| @Test |
| public void loanRepaymentScheduleWithMultiDisbursementProductOneDisbursementAndThreeRepaymentsAndDownPayment() { |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = true; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment, |
| "25", enableAutoRepaymentForDownPayment, true); |
| |
| 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, "3", "0"); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| GetLoansLoanIdSummary summary = loanDetails.getSummary(); |
| |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| List<GetLoansLoanIdRepaymentPeriod> periods = loanDetails.getRepaymentSchedule().getPeriods(); |
| Double expectedOutstandingLoanBalanceOnDisbursement = 1000.00; |
| Double expectedDownPaymentAmount = 250.00; |
| LocalDate expectedDownPaymentDueDate = LocalDate.of(2022, 9, 3); |
| Double expectedRepaymentAmount = 250.00; |
| LocalDate expectedFirstRepaymentDueDate = LocalDate.of(2022, 10, 3); |
| Double outstandingBalanceOnFirstRepayment = 500.00; |
| LocalDate expectedSecondRepaymentDueDate = LocalDate.of(2022, 11, 3); |
| Double outstandingBalanceOnSecondRepayment = 250.00; |
| LocalDate expectedThirdRepaymentDueDate = LocalDate.of(2022, 12, 3); |
| Double outstandingBalanceOnThirdRepayment = 0.00; |
| |
| assertEquals(expectedDownPaymentAmount, summary.getTotalRepaymentTransaction()); |
| |
| GetLoansLoanIdRepaymentPeriod firstDisbursementPeriod = periods.get(0); |
| assertEquals(expectedDownPaymentDueDate, firstDisbursementPeriod.getDueDate()); |
| assertEquals(expectedOutstandingLoanBalanceOnDisbursement, firstDisbursementPeriod.getPrincipalLoanBalanceOutstanding()); |
| |
| GetLoansLoanIdRepaymentPeriod firstDownPaymentPeriod = periods.get(1); |
| assertEquals(expectedDownPaymentAmount, firstDownPaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedDownPaymentDueDate, firstDownPaymentPeriod.getDueDate()); |
| |
| GetLoansLoanIdRepaymentPeriod firstRepaymentPeriod = periods.get(2); |
| assertEquals(expectedRepaymentAmount, firstRepaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedFirstRepaymentDueDate, firstRepaymentPeriod.getDueDate()); |
| assertEquals(outstandingBalanceOnFirstRepayment, firstRepaymentPeriod.getPrincipalLoanBalanceOutstanding()); |
| |
| GetLoansLoanIdRepaymentPeriod secondRepaymentPeriod = periods.get(3); |
| assertEquals(expectedRepaymentAmount, secondRepaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedSecondRepaymentDueDate, secondRepaymentPeriod.getDueDate()); |
| assertEquals(outstandingBalanceOnSecondRepayment, secondRepaymentPeriod.getPrincipalLoanBalanceOutstanding()); |
| |
| GetLoansLoanIdRepaymentPeriod thirdRepaymentPeriod = periods.get(4); |
| assertEquals(expectedRepaymentAmount, thirdRepaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedThirdRepaymentDueDate, thirdRepaymentPeriod.getDueDate()); |
| assertEquals(outstandingBalanceOnThirdRepayment, thirdRepaymentPeriod.getPrincipalLoanBalanceOutstanding()); |
| } |
| |
| @Test |
| public void loanRepaymentScheduleWithMultiDisbursementProductTwoDisbursementAndThreeRepaymentsAndDownPayment() { |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = true; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment, |
| "25", enableAutoRepaymentForDownPayment, true); |
| |
| 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 = createApproveAndDisburseTwiceLoanAccount(clientId, loanProductId.longValue(), loanExternalIdStr, "3", "0"); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| GetLoansLoanIdSummary summary = loanDetails.getSummary(); |
| |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| loanTransactionHelper.printRepaymentSchedule(loanDetails); |
| |
| List<GetLoansLoanIdRepaymentPeriod> periods = loanDetails.getRepaymentSchedule().getPeriods(); |
| Double expectedOutstandingLoanBalanceOnFirstDisbursement = 700.00; |
| Double expectedFirstDownPaymentAmount = 175.00; |
| LocalDate expectedFirstDownPaymentDueDate = LocalDate.of(2022, 9, 3); |
| Double expectedOutstandingLoanBalanceOnSecondDisbursement = 300.00; |
| Double expectedSecondDownPaymentAmount = 75.00; |
| LocalDate expectedSecondDownPaymentDueDate = LocalDate.of(2022, 9, 4); |
| Double expectedRepaymentAmount = 250.00; |
| LocalDate expectedFirstRepaymentDueDate = LocalDate.of(2022, 10, 3); |
| Double outstandingBalanceOnFirstRepayment = 500.00; |
| LocalDate expectedSecondRepaymentDueDate = LocalDate.of(2022, 11, 3); |
| Double outstandingBalanceOnSecondRepayment = 250.00; |
| LocalDate expectedThirdRepaymentDueDate = LocalDate.of(2022, 12, 3); |
| Double outstandingBalanceOnThirdRepayment = 0.00; |
| Double expectedTotalRepaymentAmount = expectedFirstDownPaymentAmount + expectedSecondDownPaymentAmount; |
| |
| assertEquals(expectedTotalRepaymentAmount, summary.getTotalRepaymentTransaction()); |
| |
| GetLoansLoanIdRepaymentPeriod firstDisbursementPeriod = periods.get(0); |
| assertEquals(expectedFirstDownPaymentDueDate, firstDisbursementPeriod.getDueDate()); |
| assertEquals(expectedOutstandingLoanBalanceOnFirstDisbursement, firstDisbursementPeriod.getPrincipalLoanBalanceOutstanding()); |
| |
| GetLoansLoanIdRepaymentPeriod firstDownPaymentPeriod = periods.get(1); |
| assertEquals(expectedFirstDownPaymentAmount, firstDownPaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedFirstDownPaymentDueDate, firstDownPaymentPeriod.getDueDate()); |
| |
| GetLoansLoanIdRepaymentPeriod secondDisbursementPeriod = periods.get(2); |
| assertEquals(expectedSecondDownPaymentDueDate, secondDisbursementPeriod.getDueDate()); |
| assertEquals(expectedOutstandingLoanBalanceOnSecondDisbursement, secondDisbursementPeriod.getPrincipalLoanBalanceOutstanding()); |
| |
| GetLoansLoanIdRepaymentPeriod secondDownPaymentPeriod = periods.get(3); |
| assertEquals(expectedSecondDownPaymentAmount, secondDownPaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedSecondDownPaymentDueDate, secondDownPaymentPeriod.getDueDate()); |
| |
| GetLoansLoanIdRepaymentPeriod firstRepaymentPeriod = periods.get(4); |
| assertEquals(expectedRepaymentAmount, firstRepaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedFirstRepaymentDueDate, firstRepaymentPeriod.getDueDate()); |
| assertEquals(outstandingBalanceOnFirstRepayment, firstRepaymentPeriod.getPrincipalLoanBalanceOutstanding()); |
| |
| GetLoansLoanIdRepaymentPeriod secondRepaymentPeriod = periods.get(5); |
| assertEquals(expectedRepaymentAmount, secondRepaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedSecondRepaymentDueDate, secondRepaymentPeriod.getDueDate()); |
| assertEquals(outstandingBalanceOnSecondRepayment, secondRepaymentPeriod.getPrincipalLoanBalanceOutstanding()); |
| |
| GetLoansLoanIdRepaymentPeriod thirdRepaymentPeriod = periods.get(6); |
| assertEquals(expectedRepaymentAmount, thirdRepaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedThirdRepaymentDueDate, thirdRepaymentPeriod.getDueDate()); |
| assertEquals(outstandingBalanceOnThirdRepayment, thirdRepaymentPeriod.getPrincipalLoanBalanceOutstanding()); |
| } |
| |
| @Test |
| public void loanRepaymentScheduleWithChargeAndDownPayment() { |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = false; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| 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, "1", "0"); |
| |
| final Double feeAmount = 10.00; |
| String payloadJSON = ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, feeAmount.toString(), |
| false); |
| final PostChargesResponse postChargesResponse = ChargesHelper.createLoanCharge(requestSpec, responseSpec, payloadJSON); |
| assertNotNull(postChargesResponse); |
| final Long loanChargeId = postChargesResponse.getResourceId(); |
| |
| payloadJSON = LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(loanChargeId.toString(), "03 September 2022", |
| feeAmount.toString()); |
| PostLoansLoanIdChargesResponse postLoansLoanIdChargesResponse = loanTransactionHelper.addChargeForLoan(loanId, payloadJSON, |
| responseSpec); |
| assertNotNull(postLoansLoanIdChargesResponse); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| List<GetLoansLoanIdRepaymentPeriod> periods = loanDetails.getRepaymentSchedule().getPeriods(); |
| Double expectedDownPaymentAmount = 250.00; |
| LocalDate expectedDownPaymentDueDate = LocalDate.of(2022, 9, 3); |
| Double expectedRepaymentAmount = 750.00; |
| Double expectedTotalDueForRepaymentInstallment = 760.0; |
| LocalDate expectedRepaymentDueDate = LocalDate.of(2022, 10, 3); |
| |
| assertTrue(periods.stream() // |
| .anyMatch(period -> expectedDownPaymentAmount.equals(period.getTotalDueForPeriod()) // |
| && expectedDownPaymentDueDate.equals(period.getDueDate()) // |
| && Double.valueOf(0.00).equals(period.getFeeChargesDue()))); |
| assertTrue(periods.stream() // |
| .anyMatch(period -> expectedTotalDueForRepaymentInstallment.equals(period.getTotalDueForPeriod()) // |
| && expectedRepaymentAmount.equals(period.getPrincipalDue()) // |
| && expectedRepaymentDueDate.equals(period.getDueDate()) // |
| && feeAmount.equals(period.getFeeChargesDue()))); |
| } |
| |
| @Test |
| public void loanRepaymentScheduleWithMultiDisbursementProductTwoDisbursementAndThreeRepaymentsAndDownPaymentAndCharge() { |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = true; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment, |
| "25", enableAutoRepaymentForDownPayment, true); |
| |
| 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 = createApproveAndDisburseTwiceLoanAccount(clientId, loanProductId.longValue(), loanExternalIdStr, "3", "0"); |
| |
| final Double feeAmount = 10.00; |
| String payloadJSON = ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, feeAmount.toString(), |
| false); |
| final PostChargesResponse postChargesResponse = ChargesHelper.createLoanCharge(requestSpec, responseSpec, payloadJSON); |
| assertNotNull(postChargesResponse); |
| final Long loanChargeId = postChargesResponse.getResourceId(); |
| |
| payloadJSON = LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(loanChargeId.toString(), "04 September 2022", |
| feeAmount.toString()); |
| PostLoansLoanIdChargesResponse postLoansLoanIdChargesResponse = loanTransactionHelper.addChargeForLoan(loanId, payloadJSON, |
| responseSpec); |
| assertNotNull(postLoansLoanIdChargesResponse); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| GetLoansLoanIdSummary summary = loanDetails.getSummary(); |
| |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| loanTransactionHelper.printRepaymentSchedule(loanDetails); |
| |
| List<GetLoansLoanIdRepaymentPeriod> periods = loanDetails.getRepaymentSchedule().getPeriods(); |
| Double expectedOutstandingLoanBalanceOnFirstDisbursement = 700.00; |
| Double expectedFirstDownPaymentAmount = 175.00; |
| LocalDate expectedFirstDownPaymentDueDate = LocalDate.of(2022, 9, 3); |
| Double expectedOutstandingLoanBalanceOnSecondDisbursement = 300.00; |
| Double expectedSecondDownPaymentAmount = 75.00; |
| LocalDate expectedSecondDownPaymentDueDate = LocalDate.of(2022, 9, 4); |
| Double expectedRepaymentAmount = 250.00; |
| Double expectedRepaymentTotalDueWithCharge = 260.0; |
| LocalDate expectedFirstRepaymentDueDate = LocalDate.of(2022, 10, 3); |
| Double outstandingBalanceOnFirstRepayment = 500.00; |
| LocalDate expectedSecondRepaymentDueDate = LocalDate.of(2022, 11, 3); |
| Double outstandingBalanceOnSecondRepayment = 250.00; |
| LocalDate expectedThirdRepaymentDueDate = LocalDate.of(2022, 12, 3); |
| Double outstandingBalanceOnThirdRepayment = 0.00; |
| Double expectedTotalRepaymentAmount = expectedFirstDownPaymentAmount + expectedSecondDownPaymentAmount; |
| |
| assertEquals(expectedTotalRepaymentAmount, summary.getTotalRepaymentTransaction()); |
| |
| GetLoansLoanIdRepaymentPeriod firstDisbursementPeriod = periods.get(0); |
| assertEquals(expectedFirstDownPaymentDueDate, firstDisbursementPeriod.getDueDate()); |
| assertEquals(expectedOutstandingLoanBalanceOnFirstDisbursement, firstDisbursementPeriod.getPrincipalLoanBalanceOutstanding()); |
| |
| GetLoansLoanIdRepaymentPeriod firstDownPaymentPeriod = periods.get(1); |
| assertEquals(expectedFirstDownPaymentAmount, firstDownPaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedFirstDownPaymentDueDate, firstDownPaymentPeriod.getDueDate()); |
| |
| GetLoansLoanIdRepaymentPeriod secondDisbursementPeriod = periods.get(2); |
| assertEquals(expectedSecondDownPaymentDueDate, secondDisbursementPeriod.getDueDate()); |
| assertEquals(expectedOutstandingLoanBalanceOnSecondDisbursement, secondDisbursementPeriod.getPrincipalLoanBalanceOutstanding()); |
| |
| GetLoansLoanIdRepaymentPeriod secondDownPaymentPeriod = periods.get(3); |
| assertEquals(expectedSecondDownPaymentAmount, secondDownPaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedSecondDownPaymentDueDate, secondDownPaymentPeriod.getDueDate()); |
| |
| GetLoansLoanIdRepaymentPeriod firstRepaymentPeriod = periods.get(4); |
| assertEquals(expectedRepaymentAmount, firstRepaymentPeriod.getPrincipalDue()); |
| assertEquals(expectedRepaymentTotalDueWithCharge, firstRepaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedFirstRepaymentDueDate, firstRepaymentPeriod.getDueDate()); |
| assertEquals(outstandingBalanceOnFirstRepayment, firstRepaymentPeriod.getPrincipalLoanBalanceOutstanding()); |
| |
| GetLoansLoanIdRepaymentPeriod secondRepaymentPeriod = periods.get(5); |
| assertEquals(expectedRepaymentAmount, secondRepaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedSecondRepaymentDueDate, secondRepaymentPeriod.getDueDate()); |
| assertEquals(outstandingBalanceOnSecondRepayment, secondRepaymentPeriod.getPrincipalLoanBalanceOutstanding()); |
| |
| GetLoansLoanIdRepaymentPeriod thirdRepaymentPeriod = periods.get(6); |
| assertEquals(expectedRepaymentAmount, thirdRepaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedThirdRepaymentDueDate, thirdRepaymentPeriod.getDueDate()); |
| assertEquals(outstandingBalanceOnThirdRepayment, thirdRepaymentPeriod.getPrincipalLoanBalanceOutstanding()); |
| } |
| |
| @Test |
| public void loanRepaymentScheduleWithChargeAndInterestAndDownPayment() { |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = false; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment, |
| "25", enableAutoRepaymentForDownPayment, true); |
| |
| 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, "1", "1"); |
| |
| final Double feeAmount = 10.00; |
| String payloadJSON = ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, feeAmount.toString(), |
| false); |
| final PostChargesResponse postChargesResponse = ChargesHelper.createLoanCharge(requestSpec, responseSpec, payloadJSON); |
| assertNotNull(postChargesResponse); |
| final Long loanChargeId = postChargesResponse.getResourceId(); |
| |
| payloadJSON = LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(loanChargeId.toString(), "03 September 2022", |
| feeAmount.toString()); |
| PostLoansLoanIdChargesResponse postLoansLoanIdChargesResponse = loanTransactionHelper.addChargeForLoan(loanId, payloadJSON, |
| responseSpec); |
| assertNotNull(postLoansLoanIdChargesResponse); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| List<GetLoansLoanIdRepaymentPeriod> periods = loanDetails.getRepaymentSchedule().getPeriods(); |
| Double expectedDownPaymentAmount = 250.00; |
| LocalDate expectedDownPaymentDueDate = LocalDate.of(2022, 9, 3); |
| Double expectedRepaymentAmount = 750.00; |
| Double expectedTotalDueForRepaymentInstallment = 770.0; |
| LocalDate expectedRepaymentDueDate = LocalDate.of(2022, 10, 3); |
| |
| assertTrue(periods.stream() // |
| .anyMatch(period -> expectedDownPaymentAmount.equals(period.getTotalDueForPeriod()) // |
| && expectedDownPaymentDueDate.equals(period.getDueDate()) // |
| && Double.valueOf(0.00).equals(period.getFeeChargesDue()) // |
| && Double.valueOf(0.00).equals(period.getInterestDue()))); |
| assertTrue(periods.stream() // |
| .anyMatch(period -> expectedTotalDueForRepaymentInstallment.equals(period.getTotalDueForPeriod()) // |
| && expectedRepaymentAmount.equals(period.getPrincipalDue()) // |
| && expectedRepaymentDueDate.equals(period.getDueDate()) // |
| && feeAmount.equals(period.getFeeChargesDue()) // |
| && Double.valueOf(10.0).equals(period.getInterestDue()))); |
| } |
| |
| @Test |
| public void loanRepaymentScheduleWithMultiDisbursementProductTwoDisbursementAndThreeRepaymentsAndDownPaymentAndChargeAndInterest() { |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = true; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment, |
| "25", enableAutoRepaymentForDownPayment, true); |
| |
| 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 = createApproveAndDisburseTwiceLoanAccount(clientId, loanProductId.longValue(), loanExternalIdStr, "3", "1"); |
| |
| final Double feeAmount = 10.00; |
| String payloadJSON = ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, feeAmount.toString(), |
| false); |
| final PostChargesResponse postChargesResponse = ChargesHelper.createLoanCharge(requestSpec, responseSpec, payloadJSON); |
| assertNotNull(postChargesResponse); |
| final Long loanChargeId = postChargesResponse.getResourceId(); |
| |
| payloadJSON = LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(loanChargeId.toString(), "04 September 2022", |
| feeAmount.toString()); |
| PostLoansLoanIdChargesResponse postLoansLoanIdChargesResponse = loanTransactionHelper.addChargeForLoan(loanId, payloadJSON, |
| responseSpec); |
| assertNotNull(postLoansLoanIdChargesResponse); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| GetLoansLoanIdSummary summary = loanDetails.getSummary(); |
| |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| loanTransactionHelper.printRepaymentSchedule(loanDetails); |
| |
| List<GetLoansLoanIdRepaymentPeriod> periods = loanDetails.getRepaymentSchedule().getPeriods(); |
| Double expectedOutstandingLoanBalanceOnFirstDisbursement = 700.00; |
| Double expectedFirstDownPaymentAmount = 175.00; |
| Double expectedDownPaymentInterest = 0.00; |
| LocalDate expectedFirstDownPaymentDueDate = LocalDate.of(2022, 9, 3); |
| Double expectedOutstandingLoanBalanceOnSecondDisbursement = 300.00; |
| Double expectedSecondDownPaymentAmount = 75.00; |
| LocalDate expectedSecondDownPaymentDueDate = LocalDate.of(2022, 9, 4); |
| Double expectedRepaymentAmount = 250.00; |
| Double expectedRepaymentAmountWithInterest = 260.00; |
| Double expectedRepaymentInterest = 10.0; |
| Double expectedRepaymentTotalDueWithChargeAndInterest = 270.0; |
| LocalDate expectedFirstRepaymentDueDate = LocalDate.of(2022, 10, 3); |
| Double outstandingBalanceOnFirstRepayment = 500.00; |
| LocalDate expectedSecondRepaymentDueDate = LocalDate.of(2022, 11, 3); |
| Double outstandingBalanceOnSecondRepayment = 250.00; |
| LocalDate expectedThirdRepaymentDueDate = LocalDate.of(2022, 12, 3); |
| Double outstandingBalanceOnThirdRepayment = 0.00; |
| Double expectedTotalRepaymentAmount = expectedFirstDownPaymentAmount + expectedSecondDownPaymentAmount; |
| |
| assertEquals(expectedTotalRepaymentAmount, summary.getTotalRepaymentTransaction()); |
| |
| GetLoansLoanIdRepaymentPeriod firstDisbursementPeriod = periods.get(0); |
| assertEquals(expectedFirstDownPaymentDueDate, firstDisbursementPeriod.getDueDate()); |
| assertEquals(expectedOutstandingLoanBalanceOnFirstDisbursement, firstDisbursementPeriod.getPrincipalLoanBalanceOutstanding()); |
| |
| GetLoansLoanIdRepaymentPeriod firstDownPaymentPeriod = periods.get(1); |
| assertEquals(expectedFirstDownPaymentAmount, firstDownPaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedFirstDownPaymentDueDate, firstDownPaymentPeriod.getDueDate()); |
| assertEquals(expectedDownPaymentInterest, firstDownPaymentPeriod.getInterestDue()); |
| |
| GetLoansLoanIdRepaymentPeriod secondDisbursementPeriod = periods.get(2); |
| assertEquals(expectedSecondDownPaymentDueDate, secondDisbursementPeriod.getDueDate()); |
| assertEquals(expectedOutstandingLoanBalanceOnSecondDisbursement, secondDisbursementPeriod.getPrincipalLoanBalanceOutstanding()); |
| |
| GetLoansLoanIdRepaymentPeriod secondDownPaymentPeriod = periods.get(3); |
| assertEquals(expectedSecondDownPaymentAmount, secondDownPaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedSecondDownPaymentDueDate, secondDownPaymentPeriod.getDueDate()); |
| assertEquals(expectedDownPaymentInterest, secondDownPaymentPeriod.getInterestDue()); |
| |
| GetLoansLoanIdRepaymentPeriod firstRepaymentPeriod = periods.get(4); |
| assertEquals(expectedRepaymentAmount, firstRepaymentPeriod.getPrincipalDue()); |
| assertEquals(expectedRepaymentTotalDueWithChargeAndInterest, firstRepaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedFirstRepaymentDueDate, firstRepaymentPeriod.getDueDate()); |
| assertEquals(outstandingBalanceOnFirstRepayment, firstRepaymentPeriod.getPrincipalLoanBalanceOutstanding()); |
| assertEquals(expectedRepaymentInterest, firstRepaymentPeriod.getInterestDue()); |
| |
| GetLoansLoanIdRepaymentPeriod secondRepaymentPeriod = periods.get(5); |
| assertEquals(expectedRepaymentAmountWithInterest, secondRepaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedSecondRepaymentDueDate, secondRepaymentPeriod.getDueDate()); |
| assertEquals(outstandingBalanceOnSecondRepayment, secondRepaymentPeriod.getPrincipalLoanBalanceOutstanding()); |
| assertEquals(expectedRepaymentInterest, secondRepaymentPeriod.getInterestDue()); |
| |
| GetLoansLoanIdRepaymentPeriod thirdRepaymentPeriod = periods.get(6); |
| assertEquals(expectedRepaymentAmountWithInterest, thirdRepaymentPeriod.getTotalDueForPeriod()); |
| assertEquals(expectedThirdRepaymentDueDate, thirdRepaymentPeriod.getDueDate()); |
| assertEquals(outstandingBalanceOnThirdRepayment, thirdRepaymentPeriod.getPrincipalLoanBalanceOutstanding()); |
| assertEquals(expectedRepaymentInterest, thirdRepaymentPeriod.getInterestDue()); |
| } |
| |
| @Test |
| public void testDelinquencyRangeOnDownPaymentInstallment() { |
| try { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE); |
| LocalDate businessDate = LocalDate.of(2022, 9, 5); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate); |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = false; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| 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, "1", "0"); |
| |
| final String jobName = "Loan COB"; |
| final SchedulerJobHelper schedulerJobHelper = new SchedulerJobHelper(requestSpec); |
| schedulerJobHelper.executeAndAwaitJob(jobName); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| List<GetLoansLoanIdRepaymentPeriod> periods = loanDetails.getRepaymentSchedule().getPeriods(); |
| Double expectedDownPaymentAmount = 250.00; |
| LocalDate expectedDownPaymentDueDate = LocalDate.of(2022, 9, 3); |
| Double expectedRepaymentAmount = 750.00; |
| LocalDate expectedRepaymentDueDate = LocalDate.of(2022, 10, 3); |
| |
| assertTrue(periods.stream() // |
| .anyMatch(period -> expectedDownPaymentAmount.equals(period.getTotalDueForPeriod()) // |
| && expectedDownPaymentDueDate.equals(period.getDueDate()))); |
| assertTrue(periods.stream().anyMatch(period -> expectedRepaymentAmount.equals(period.getTotalDueForPeriod()) |
| && expectedRepaymentDueDate.equals(period.getDueDate()))); |
| assertNotNull(loanDetails.getDelinquencyRange()); |
| assertEquals(2, loanDetails.getDelinquent().getDelinquentDays()); |
| } finally { |
| final LocalDate todaysDate = Utils.getLocalDateOfTenant(); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, todaysDate); |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE); |
| } |
| } |
| |
| @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 downPaymentOnOverpaidProgressiveLoan() { |
| runAt("03 March 2023", () -> { |
| LocalDate disbursementDate = LocalDate.of(2023, 3, 3); |
| |
| PostClientsResponse client = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()); |
| |
| final PostLoanProductsRequest loanProductsRequest = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation() |
| .installmentAmountInMultiplesOf(null).enableDownPayment(true).enableAutoRepaymentForDownPayment(true) |
| .disbursedAmountPercentageForDownPayment(BigDecimal.valueOf(25)); |
| |
| PostLoanProductsResponse loanProductsResponse = loanTransactionHelper.createLoanProduct(loanProductsRequest); |
| |
| String disbursementDateStr = DateUtils.format(disbursementDate, DATETIME_PATTERN); |
| PostLoansResponse loanResponse = loanTransactionHelper.applyLoan(new PostLoansRequest().clientId(client.getResourceId()) |
| .productId(loanProductsResponse.getResourceId()).loanType("individual").locale("en").dateFormat(DATETIME_PATTERN) |
| .amortizationType(1).interestRatePerPeriod(BigDecimal.ZERO).interestCalculationPeriodType(1).interestType(0) |
| .maxOutstandingLoanBalance(BigDecimal.valueOf(35000)) |
| .transactionProcessingStrategyCode(AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY) |
| .loanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL.name()).expectedDisbursementDate(disbursementDateStr) |
| .dateFormat(DATETIME_PATTERN).submittedOnDate(disbursementDateStr).repaymentFrequencyType(0).repaymentEvery(30) |
| .numberOfRepayments(1).loanTermFrequency(30).loanTermFrequencyType(0).principal(BigDecimal.valueOf(1000)) |
| .loanType("individual").maxOutstandingLoanBalance(BigDecimal.valueOf(35000))); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getResourceId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate(disbursementDateStr).locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getResourceId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate(disbursementDateStr).dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(1000)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getResourceId()); |
| |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanResponse.getResourceId(), // |
| installment(1000.0, null, "03 March 2023"), // |
| installment(250.0, 0.0, 0.0, true, "03 March 2023"), // |
| installment(750.0, 0.0, 750.0, false, "02 April 2023") // |
| ); |
| // verify transactions |
| verifyTransactions(loanResponse.getResourceId(), // |
| transaction(1000.0, "Disbursement", "03 March 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(250.0, "Down Payment", "03 March 2023", 750.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0) // |
| ); |
| verifyJournalEntries(loanResponse.getResourceId(), // |
| journalEntry(1000.0, loansReceivableAccount, "DEBIT"), // |
| journalEntry(1000.0, fundSource, "CREDIT"), // |
| journalEntry(250.0, loansReceivableAccount, "CREDIT"), // |
| journalEntry(250.0, fundSource, "DEBIT") // |
| ); |
| |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getResourceId(), new PostLoansLoanIdTransactionsRequest() |
| .dateFormat("dd MMMM yyyy").transactionDate("03 March 2023").locale("en").transactionAmount(800.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getResourceId()); |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanResponse.getResourceId(), // |
| installment(1000.0, null, "03 March 2023"), // |
| installment(250.0, 0.0, 0.0, true, "03 March 2023"), // |
| installment(750.0, 0.0, 0.0, true, "02 April 2023") // |
| ); |
| // verify transactions |
| verifyTransactions(loanResponse.getResourceId(), // |
| transaction(1000.0, "Disbursement", "03 March 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(250.0, "Down Payment", "03 March 2023", 750.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(800.0, "Repayment", "03 March 2023", 0.0, 750.0, 0.0, 0.0, 0.0, 0.0, 50.0) // |
| ); |
| 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.disburseLoan(loanResponse.getResourceId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("05 March 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(20.00)).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getResourceId()); |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanResponse.getResourceId(), // |
| installment(1000.0, null, "03 March 2023"), // |
| installment(250.0, 0.0, 0.0, true, "03 March 2023"), // |
| installment(20.0, null, "05 March 2023"), // |
| installment(5.0, 0.0, 0.0, true, "05 March 2023"), // |
| installment(765.0, 0.0, 0.0, true, "02 April 2023") // |
| ); |
| // verify transactions |
| verifyTransactions(loanResponse.getResourceId(), // |
| transaction(1000.0, "Disbursement", "03 March 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(250.0, "Down Payment", "03 March 2023", 750.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(800.0, "Repayment", "03 March 2023", 0.0, 750.0, 0.0, 0.0, 0.0, 0.0, 50.0), // |
| transaction(20.0, "Disbursement", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0) // |
| ); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| assertEquals(30.0, loanDetails.getTotalOverpaid()); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getResourceId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("05 March 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(30.00)).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getResourceId()); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanResponse.getResourceId(), // |
| installment(1000.0, null, "03 March 2023"), // |
| installment(250.0, 0.0, 0.0, true, "03 March 2023"), // |
| installment(20.0, null, "05 March 2023"), // |
| installment(30.0, null, "05 March 2023"), // |
| installment(5.0, 0.0, 0.0, true, "05 March 2023"), // |
| installment(7.5, 0.0, 0.0, true, "05 March 2023"), // |
| installment(787.5, 0.0, 0.0, true, "02 April 2023") // |
| ); |
| // verify transactions |
| verifyTransactions(loanResponse.getResourceId(), // |
| transaction(1000.0, "Disbursement", "03 March 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(250.0, "Down Payment", "03 March 2023", 750.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(800.0, "Repayment", "03 March 2023", 0.0, 750.0, 0.0, 0.0, 0.0, 0.0, 50.0), // |
| transaction(20.0, "Disbursement", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0), // |
| transaction(30.0, "Disbursement", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 30.0) // |
| ); |
| |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| assertEquals(0.0, loanDetails.getSummary().getTotalOutstanding()); |
| assertEquals(null, loanDetails.getTotalOverpaid()); |
| |
| PostLoansLoanIdTransactionsResponse repayment = loanTransactionHelper.makeLoanRepayment(loanResponse.getResourceId(), |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("05 March 2023").locale("en") |
| .transactionAmount(1.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getResourceId()); |
| // verify transactions |
| verifyTransactions(loanResponse.getResourceId(), // |
| transaction(1000.0, "Disbursement", "03 March 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(250.0, "Down Payment", "03 March 2023", 750.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(800.0, "Repayment", "03 March 2023", 0.0, 750.0, 0.0, 0.0, 0.0, 0.0, 50.0), // |
| transaction(20.0, "Disbursement", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0), // |
| transaction(30.0, "Disbursement", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 30.0), // |
| transaction(1.0, "Repayment", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 1.0) // |
| ); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| assertEquals(1.0, loanDetails.getTotalOverpaid()); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getResourceId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("05 March 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(40.00)).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getResourceId()); |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanResponse.getResourceId(), // |
| installment(1000.0, null, "03 March 2023"), // |
| installment(250.0, 0.0, 0.0, true, "03 March 2023"), // |
| installment(20.0, null, "05 March 2023"), // |
| installment(30.0, null, "05 March 2023"), // |
| installment(40.0, null, "05 March 2023"), // |
| installment(5.0, 0.0, 0.0, true, "05 March 2023"), // |
| installment(7.5, 0.0, 0.0, true, "05 March 2023"), // |
| installment(10.0, 0.0, 0.0, true, "05 March 2023"), // |
| installment(817.5, 0.0, 30.0, false, "02 April 2023") // |
| ); |
| // verify transactions |
| verifyTransactions(loanResponse.getResourceId(), // |
| transaction(1000.0, "Disbursement", "03 March 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(250.0, "Down Payment", "03 March 2023", 750.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(800.0, "Repayment", "03 March 2023", 0.0, 750.0, 0.0, 0.0, 0.0, 0.0, 50.0), // |
| transaction(20.0, "Disbursement", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0), // |
| transaction(30.0, "Disbursement", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 30.0), // |
| transaction(1.0, "Repayment", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 1.0), // |
| transaction(40.0, "Disbursement", "05 March 2023", 39.0, 0.0, 0.0, 0.0, 0.0, 0.0, 1.0), // |
| transaction(9.0, "Down Payment", "05 March 2023", 30.0, 9.0, 0.0, 0.0, 0.0, 0.0, 0.0) // |
| ); |
| |
| 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(loanResponse.getResourceId()); |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanResponse.getResourceId(), // |
| installment(1000.0, null, "03 March 2023"), // |
| installment(250.0, 0.0, 0.0, true, "03 March 2023"), // |
| installment(20.0, null, "05 March 2023"), // |
| installment(30.0, null, "05 March 2023"), // |
| installment(40.0, null, "05 March 2023"), // |
| installment(5.0, 0.0, 0.0, true, "05 March 2023"), // |
| installment(7.5, 0.0, 0.0, true, "05 March 2023"), // |
| installment(10.0, 0.0, 1.0, false, "05 March 2023"), // |
| installment(817.5, 0.0, 30.0, false, "02 April 2023") // |
| ); |
| // verify transactions |
| verifyTransactions(loanResponse.getResourceId(), // |
| transaction(1000.0, "Disbursement", "03 March 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(250.0, "Down Payment", "03 March 2023", 750.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(800.0, "Repayment", "03 March 2023", 0.0, 750.0, 0.0, 0.0, 0.0, 0.0, 50.0), // |
| transaction(20.0, "Disbursement", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 20.0), // |
| transaction(30.0, "Disbursement", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 30.0), // |
| transaction(1.0, "Repayment", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 1.0, true), // |
| transaction(40.0, "Disbursement", "05 March 2023", 40.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(9.0, "Down Payment", "05 March 2023", 31.0, 9.0, 0.0, 0.0, 0.0, 0.0, 0.0) // |
| ); |
| |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertEquals(31.0, loanDetails.getSummary().getTotalOutstanding()); |
| }); |
| } |
| |
| @Test |
| public void downPaymentOnOverpaidCumulativeLoan() { |
| runAt("03 March 2023", () -> { |
| LocalDate disbursementDate = LocalDate.of(2023, 3, 3); |
| |
| PostClientsResponse client = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()); |
| |
| final PostLoanProductsRequest loanProductsRequest = createOnePeriod30DaysLongNoInterestPeriodicAccrualProductWithAdvancedPaymentAllocation() |
| .installmentAmountInMultiplesOf(null).enableDownPayment(true).enableAutoRepaymentForDownPayment(true) |
| .loanScheduleType(LoanScheduleType.CUMULATIVE.name()).paymentAllocation(null) |
| .transactionProcessingStrategyCode( |
| DuePenFeeIntPriInAdvancePriPenFeeIntLoanRepaymentScheduleTransactionProcessor.STRATEGY_CODE) |
| .disbursedAmountPercentageForDownPayment(BigDecimal.valueOf(25)); |
| |
| PostLoanProductsResponse loanProductsResponse = loanTransactionHelper.createLoanProduct(loanProductsRequest); |
| |
| String disbursementDateStr = DateUtils.format(disbursementDate, DATETIME_PATTERN); |
| PostLoansResponse loanResponse = loanTransactionHelper.applyLoan(new PostLoansRequest().clientId(client.getResourceId()) |
| .productId(loanProductsResponse.getResourceId()).loanType("individual").locale("en").dateFormat(DATETIME_PATTERN) |
| .amortizationType(1).interestRatePerPeriod(BigDecimal.ZERO).interestCalculationPeriodType(1).interestType(0) |
| .maxOutstandingLoanBalance(BigDecimal.valueOf(35000)) |
| .transactionProcessingStrategyCode( |
| DuePenFeeIntPriInAdvancePriPenFeeIntLoanRepaymentScheduleTransactionProcessor.STRATEGY_CODE) |
| .expectedDisbursementDate(disbursementDateStr).dateFormat(DATETIME_PATTERN).submittedOnDate(disbursementDateStr) |
| .repaymentFrequencyType(0).repaymentEvery(30).numberOfRepayments(1).loanTermFrequency(30).loanTermFrequencyType(0) |
| .principal(BigDecimal.valueOf(1000)).loanType("individual").maxOutstandingLoanBalance(BigDecimal.valueOf(35000))); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getResourceId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate(disbursementDateStr).locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getResourceId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate(disbursementDateStr).dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(1000)).locale("en")); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getResourceId()); |
| |
| assertTrue(loanDetails.getStatus().getActive()); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanResponse.getResourceId(), // |
| installment(1000.0, null, "03 March 2023"), // |
| installment(250.0, 0.0, 0.0, true, "03 March 2023"), // |
| installment(750.0, 0.0, 750.0, false, "02 April 2023") // |
| ); |
| // verify transactions |
| verifyTransactions(loanResponse.getResourceId(), // |
| transaction(1000.0, "Disbursement", "03 March 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(250.0, "Down Payment", "03 March 2023", 750.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0) // |
| ); |
| verifyJournalEntries(loanResponse.getResourceId(), // |
| journalEntry(1000.0, loansReceivableAccount, "DEBIT"), // |
| journalEntry(1000.0, fundSource, "CREDIT"), // |
| journalEntry(250.0, loansReceivableAccount, "CREDIT"), // |
| journalEntry(250.0, fundSource, "DEBIT") // |
| ); |
| |
| String externalId = UUID.randomUUID().toString(); |
| loanTransactionHelper.makeLoanRepayment(loanResponse.getResourceId(), |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("03 March 2023").locale("en") |
| .transactionAmount(800.0).externalId(externalId)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getResourceId()); |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanResponse.getResourceId(), // |
| installment(1000.0, null, "03 March 2023"), // |
| installment(250.0, 0.0, 0.0, true, "03 March 2023"), // |
| installment(750.0, 0.0, 0.0, true, "02 April 2023") // |
| ); |
| // verify transactions |
| verifyTransactions(loanResponse.getResourceId(), // |
| transaction(1000.0, "Disbursement", "03 March 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(250.0, "Down Payment", "03 March 2023", 750.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(800.0, "Repayment", "03 March 2023", 0.0, 750.0, 0.0, 0.0, 0.0, 0.0, 50.0) // |
| ); |
| 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.disburseLoan(loanResponse.getResourceId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("05 March 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(20.00)).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getResourceId()); |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanResponse.getResourceId(), // |
| installment(1000.0, null, "03 March 2023"), // |
| installment(250.0, 0.0, 0.0, true, "03 March 2023"), // |
| installment(20.0, null, "05 March 2023"), // |
| installment(5.0, 0.0, 0.0, true, "05 March 2023"), // |
| installment(765.0, 0.0, 0.0, true, "02 April 2023") // |
| ); |
| // verify transactions |
| verifyTransactions(loanResponse.getResourceId(), // |
| transaction(1000.0, "Disbursement", "03 March 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(250.0, "Down Payment", "03 March 2023", 750.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(800.0, "Repayment", "03 March 2023", 0.0, 770.0, 0.0, 0.0, 0.0, 0.0, 30.0), // |
| transaction(20.0, "Disbursement", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0) // |
| ); |
| assertTrue(loanDetails.getStatus().getOverpaid()); |
| assertEquals(30.0, loanDetails.getTotalOverpaid()); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getResourceId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("05 March 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(30.00)).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getResourceId()); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanResponse.getResourceId(), // |
| installment(1000.0, null, "03 March 2023"), // |
| installment(250.0, 0.0, 0.0, true, "03 March 2023"), // |
| installment(20.0, null, "05 March 2023"), // |
| installment(30.0, null, "05 March 2023"), // |
| installment(5.0, 0.0, 0.0, true, "05 March 2023"), // |
| installment(7.5, 0.0, 0.0, true, "05 March 2023"), // |
| installment(787.5, 0.0, 0.0, true, "02 April 2023") // |
| ); |
| // verify transactions |
| verifyTransactions(loanResponse.getResourceId(), // |
| transaction(1000.0, "Disbursement", "03 March 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(250.0, "Down Payment", "03 March 2023", 750.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(800.0, "Repayment", "03 March 2023", 0.0, 800.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(20.0, "Disbursement", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(30.0, "Disbursement", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0) // |
| ); |
| |
| assertTrue(loanDetails.getStatus().getClosedObligationsMet()); |
| assertEquals(0.0, loanDetails.getSummary().getTotalOutstanding()); |
| assertEquals(null, loanDetails.getTotalOverpaid()); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getResourceId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("05 March 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(40.00)).locale("en")); |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getResourceId()); |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanResponse.getResourceId(), // |
| installment(1000.0, null, "03 March 2023"), // |
| installment(250.0, 0.0, 0.0, true, "03 March 2023"), // |
| installment(20.0, null, "05 March 2023"), // |
| installment(30.0, null, "05 March 2023"), // |
| installment(40.0, null, "05 March 2023"), // |
| installment(5.0, 0.0, 0.0, true, "05 March 2023"), // |
| installment(7.5, 0.0, 0.0, true, "05 March 2023"), // |
| installment(10.0, 0.0, 0.0, true, "05 March 2023"), // |
| installment(817.5, 0.0, 30.0, false, "02 April 2023") // |
| ); |
| // verify transactions |
| verifyTransactions(loanResponse.getResourceId(), // |
| transaction(1000.0, "Disbursement", "03 March 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(250.0, "Down Payment", "03 March 2023", 750.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(800.0, "Repayment", "03 March 2023", 0.0, 800.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(20.0, "Disbursement", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(30.0, "Disbursement", "05 March 2023", 0.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(40.0, "Disbursement", "05 March 2023", 40.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(10.0, "Down Payment", "05 March 2023", 30.0, 10.0, 0.0, 0.0, 0.0, 0.0, 0.0) // |
| ); |
| |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertEquals(30.0, loanDetails.getSummary().getTotalOutstanding()); |
| |
| loanTransactionHelper.reverseLoanTransaction(loanResponse.getLoanId(), externalId, |
| new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat(DATETIME_PATTERN).transactionDate("05 March 2023") |
| .transactionAmount(0.0).locale("en")); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanResponse.getResourceId()); |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanResponse.getResourceId(), // |
| installment(1000.0, null, "03 March 2023"), // |
| installment(250.0, 0.0, 0.0, true, "03 March 2023"), // |
| installment(20.0, null, "05 March 2023"), // |
| installment(30.0, null, "05 March 2023"), // |
| installment(40.0, null, "05 March 2023"), // |
| installment(5.0, 0.0, 0.0, true, "05 March 2023"), // |
| installment(7.5, 0.0, 2.5, false, "05 March 2023"), // |
| installment(10.0, 0.0, 10.0, false, "05 March 2023"), // |
| installment(817.5, 0.0, 817.5, false, "02 April 2023") // |
| ); |
| // verify transactions |
| verifyTransactions(loanResponse.getResourceId(), // |
| transaction(1000.0, "Disbursement", "03 March 2023", 1000.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(250.0, "Down Payment", "03 March 2023", 750.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(800.0, "Repayment", "03 March 2023", 0.0, 800.0, 0.0, 0.0, 0.0, 0.0, 0.0, true), // |
| transaction(20.0, "Disbursement", "05 March 2023", 770.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(30.0, "Disbursement", "05 March 2023", 800.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(40.0, "Disbursement", "05 March 2023", 840.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), // |
| transaction(10.0, "Down Payment", "05 March 2023", 830.0, 10.0, 0.0, 0.0, 0.0, 0.0, 0.0) // |
| ); |
| |
| assertTrue(loanDetails.getStatus().getActive()); |
| assertEquals(830.0, loanDetails.getSummary().getTotalOutstanding()); |
| }); |
| } |
| |
| @Test |
| public void loanRepaymentScheduleWithSimpleDisbursementAndWithoutAutoPayment() { |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = true; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| 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 = createAndApproveLoanAccount(clientId, loanProductId.longValue(), loanExternalIdStr, "1", "0"); |
| loanTransactionHelper.disburseLoanWithTransactionAmountAndWithoutAutoPayment("03 September 2022", loanId, "1000"); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| GetLoansLoanIdSummary summary = loanDetails.getSummary(); |
| |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| List<GetLoansLoanIdRepaymentPeriod> periods = loanDetails.getRepaymentSchedule().getPeriods(); |
| Double expectedDownPaymentAmount = 250.00; |
| LocalDate expectedDownPaymentDueDate = LocalDate.of(2022, 9, 3); |
| Double expectedRepaymentAmount = 750.00; |
| LocalDate expectedRepaymentDueDate = LocalDate.of(2022, 10, 3); |
| Double expectedTotalOutstandingAmount = 1000.00; |
| Double expectedTotalRepaymentTransactionAmount = 0.00; |
| |
| assertTrue(periods.stream() // |
| .anyMatch(period -> expectedDownPaymentAmount.equals(period.getTotalOutstandingForPeriod()) // |
| && expectedDownPaymentDueDate.equals(period.getDueDate()))); |
| assertEquals(expectedTotalOutstandingAmount, summary.getTotalOutstanding()); |
| assertEquals(expectedTotalRepaymentTransactionAmount, summary.getTotalRepaymentTransaction()); |
| assertTrue(periods.stream().anyMatch(period -> expectedRepaymentAmount.equals(period.getTotalOutstandingForPeriod()) |
| && expectedRepaymentDueDate.equals(period.getDueDate()))); |
| } |
| |
| 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 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) { |
| HashMap<String, Object> loanProductMap; |
| if (multiDisbursement) { |
| loanProductMap = new LoanProductTestBuilder().withAmortizationTypeAsEqualInstallments() // |
| .withInterestTypeAsDecliningBalance().withMoratorium("", "").withInterestCalculationPeriodTypeAsRepaymentPeriod(true) |
| .withInterestTypeAsDecliningBalance() // |
| .withMultiDisburse() // |
| .withEnableDownPayment(enableDownPayment, disbursedAmountPercentageForDownPayment, enableAutoRepaymentForDownPayment) // |
| .withDisallowExpectedDisbursements(true) // |
| .build(null, delinquencyBucketId); |
| } else { |
| loanProductMap = new LoanProductTestBuilder() // |
| .withEnableDownPayment(enableDownPayment, disbursedAmountPercentageForDownPayment, enableAutoRepaymentForDownPayment) // |
| .build(null, delinquencyBucketId); |
| } |
| final Integer loanProductId = loanTransactionHelper.getLoanProductId(Utils.convertToJson(loanProductMap)); |
| return loanProductId; |
| } |
| |
| private Integer createAndApproveLoanAccount(final Integer clientID, final Long loanProductID, final String externalId, |
| final String numberOfRepayments, final String interestRate) { |
| |
| String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency(numberOfRepayments) |
| .withLoanTermFrequencyAsMonths().withNumberOfRepayments(numberOfRepayments).withRepaymentEveryAfter("1") |
| .withRepaymentFrequencyTypeAsMonths().withInterestRatePerPeriod(interestRate).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); |
| return loanId; |
| } |
| |
| private Integer createApproveAndDisburseLoanAccount(final Integer clientID, final Long loanProductID, final String externalId, |
| final String numberOfRepayments, final String interestRate) { |
| |
| Integer loanId = createAndApproveLoanAccount(clientID, loanProductID, externalId, numberOfRepayments, interestRate); |
| loanTransactionHelper.disburseLoanWithTransactionAmount("03 September 2022", loanId, "1000"); |
| return loanId; |
| } |
| |
| private Integer createApproveAndDisburseTwiceLoanAccount(final Integer clientID, final Long loanProductID, final String externalId, |
| final String numberOfRepayments, final String interestRate) { |
| |
| String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency(numberOfRepayments) |
| .withLoanTermFrequencyAsMonths().withNumberOfRepayments(numberOfRepayments).withRepaymentEveryAfter("1") |
| .withRepaymentFrequencyTypeAsMonths().withInterestRatePerPeriod(interestRate).withInterestTypeAsFlatBalance() |
| .withAmortizationTypeAsEqualPrincipalPayments().withInterestCalculationPeriodTypeSameAsRepaymentPeriod() |
| .withExpectedDisbursementDate("04 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.disburseLoanWithTransactionAmount("03 September 2022", loanId, "700"); |
| 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); |
| } |
| } |
