| /** |
| * 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.assertNotNull; |
| import static org.junit.jupiter.api.Assertions.assertTrue; |
| |
| import io.restassured.builder.RequestSpecBuilder; |
| import io.restassured.builder.ResponseSpecBuilder; |
| import io.restassured.http.ContentType; |
| import io.restassured.specification.RequestSpecification; |
| import io.restassured.specification.ResponseSpecification; |
| import java.math.BigDecimal; |
| import java.time.LocalDate; |
| 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.PostLoansLoanIdChargesResponse; |
| import org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType; |
| 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.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.junit.jupiter.api.BeforeEach; |
| import org.junit.jupiter.api.Test; |
| |
| public class LoanRepaymentScheduleWithDownPaymentTest { |
| |
| private ResponseSpecification responseSpec; |
| private RequestSpecification requestSpec; |
| private LoanTransactionHelper loanTransactionHelper; |
| private ClientHelper clientHelper; |
| |
| @BeforeEach |
| public void setup() { |
| Utils.initializeRESTAssured(); |
| this.requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build(); |
| this.requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey()); |
| this.responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build(); |
| this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec); |
| this.clientHelper = new ClientHelper(this.requestSpec, this.responseSpec); |
| } |
| |
| @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, 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"); |
| |
| 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); |
| } |
| } |
| |
| 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 createApproveAndDisburseLoanAccount(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); |
| 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; |
| } |
| } |
