| /** |
| * 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 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.ArrayList; |
| import java.util.HashMap; |
| import java.util.UUID; |
| import org.apache.fineract.client.models.GetDelinquencyBucketsResponse; |
| import org.apache.fineract.client.models.GetLoanProductsProductIdResponse; |
| import org.apache.fineract.client.models.GetLoansLoanIdResponse; |
| import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest; |
| import org.apache.fineract.client.models.PostLoansLoanIdTransactionsResponse; |
| import org.apache.fineract.client.models.PutLoanProductsProductIdRequest; |
| import org.apache.fineract.client.models.PutLoanProductsProductIdResponse; |
| import org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType; |
| import org.apache.fineract.infrastructure.core.service.DateUtils; |
| import org.apache.fineract.integrationtests.common.BusinessDateHelper; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.integrationtests.common.CommonConstants; |
| import org.apache.fineract.integrationtests.common.GlobalConfigurationHelper; |
| import org.apache.fineract.integrationtests.common.Utils; |
| import org.apache.fineract.integrationtests.common.accounting.Account; |
| import org.apache.fineract.integrationtests.common.accounting.AccountHelper; |
| import org.apache.fineract.integrationtests.common.accounting.JournalEntry; |
| import org.apache.fineract.integrationtests.common.accounting.JournalEntryHelper; |
| import org.apache.fineract.integrationtests.common.loans.LoanApplicationTestBuilder; |
| import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder; |
| import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper; |
| import org.apache.fineract.integrationtests.common.products.DelinquencyBucketsHelper; |
| import org.junit.jupiter.api.BeforeEach; |
| import org.junit.jupiter.api.Test; |
| |
| public class LoanProductWithDownPaymentConfigurationTest { |
| |
| private ResponseSpecification responseSpec; |
| private RequestSpecification requestSpec; |
| private LoanTransactionHelper loanTransactionHelper; |
| private ClientHelper clientHelper; |
| private AccountHelper accountHelper; |
| private JournalEntryHelper journalEntryHelper; |
| |
| @BeforeEach |
| public void setup() { |
| Utils.initializeRESTAssured(); |
| this.requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build(); |
| this.requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey()); |
| this.responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build(); |
| this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec); |
| this.clientHelper = new ClientHelper(this.requestSpec, this.responseSpec); |
| this.accountHelper = new AccountHelper(this.requestSpec, this.responseSpec); |
| this.journalEntryHelper = new JournalEntryHelper(this.requestSpec, this.responseSpec); |
| } |
| |
| @Test |
| public void loanProductCreationWithDownPaymentConfigurationTest() { |
| // 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; |
| // Loan Product creation with down-payment configuration |
| Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment, |
| "25", enableAutoRepaymentForDownPayment); |
| |
| final GetLoanProductsProductIdResponse getLoanProductsProductResponse = loanTransactionHelper.getLoanProduct(loanProductId); |
| assertNotNull(getLoanProductsProductResponse); |
| assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment()); |
| assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment() |
| .compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment()); |
| } |
| |
| @Test |
| public void loanProductUpdateWithEnableDownPaymentConfigurationTest() { |
| // Delinquency Bucket |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| // Loan Product without enable down payment configuration |
| GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProduct(loanTransactionHelper, delinquencyBucketId); |
| assertNotNull(getLoanProductsProductResponse); |
| assertEquals(false, getLoanProductsProductResponse.getEnableDownPayment()); |
| |
| // Modify Loan Product to update enable down payment configuration |
| PutLoanProductsProductIdResponse loanProductModifyResponse = updateLoanProduct(loanTransactionHelper, |
| getLoanProductsProductResponse.getId()); |
| assertNotNull(loanProductModifyResponse); |
| |
| getLoanProductsProductResponse = loanTransactionHelper.getLoanProduct(loanProductModifyResponse.getResourceId().intValue()); |
| assertNotNull(getLoanProductsProductResponse); |
| assertEquals(true, getLoanProductsProductResponse.getEnableDownPayment()); |
| |
| } |
| |
| @Test |
| public void loanProductEnableDownPaymentConfigurationValidationTests() { |
| final ResponseSpecification errorResponse = new ResponseSpecBuilder().expectStatusCode(400).build(); |
| final LoanTransactionHelper validationErrorHelper = new LoanTransactionHelper(this.requestSpec, errorResponse); |
| |
| // Delinquency Bucket |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| // down-payment configuration |
| Boolean enableDownPayment = true; |
| |
| // Loan Product with enable down payment and with disbursed amount percentage as zero |
| final HashMap<String, Object> loanProductMap = new LoanProductTestBuilder().withEnableDownPayment(enableDownPayment, "0", false) |
| .build(null, delinquencyBucketId); |
| |
| ArrayList<HashMap<String, Object>> loanProductErrorData = validationErrorHelper |
| .getLoanProductError(Utils.convertToJson(loanProductMap), CommonConstants.RESPONSE_ERROR); |
| assertNotNull(loanProductErrorData); |
| assertEquals("validation.msg.loanproduct.disbursedAmountPercentageForDownPayment.is.less.than.min", |
| loanProductErrorData.get(0).get(CommonConstants.RESPONSE_ERROR_MESSAGE_CODE)); |
| |
| // Loan Product with enable down payment and with disbursed amount percentage as greater than 100 |
| final HashMap<String, Object> loanProductMap_1 = new LoanProductTestBuilder().withEnableDownPayment(enableDownPayment, "101", false) |
| .build(null, delinquencyBucketId); |
| |
| loanProductErrorData = validationErrorHelper.getLoanProductError(Utils.convertToJson(loanProductMap_1), |
| CommonConstants.RESPONSE_ERROR); |
| assertNotNull(loanProductErrorData); |
| assertEquals("validation.msg.loanproduct.disbursedAmountPercentageForDownPayment.is.greater.than.max", |
| loanProductErrorData.get(0).get(CommonConstants.RESPONSE_ERROR_MESSAGE_CODE)); |
| |
| // Loan Product with enable down payment and with disbursed amount percentage precision greater than 6 |
| final HashMap<String, Object> loanProductMap_2 = new LoanProductTestBuilder() |
| .withEnableDownPayment(enableDownPayment, "12.55555555", false).build(null, delinquencyBucketId); |
| |
| loanProductErrorData = validationErrorHelper.getLoanProductError(Utils.convertToJson(loanProductMap_2), |
| CommonConstants.RESPONSE_ERROR); |
| assertNotNull(loanProductErrorData); |
| assertEquals("validation.msg.loanproduct.disbursedAmountPercentageForDownPayment.scale.is.greater.than.6", |
| loanProductErrorData.get(0).get(CommonConstants.RESPONSE_ERROR_MESSAGE_CODE)); |
| |
| // Loan Product with disable down payment and with disbursed amount percentage |
| final HashMap<String, Object> loanProductMap_3 = new LoanProductTestBuilder().withEnableDownPayment(false, "12.5", false) |
| .build(null, delinquencyBucketId); |
| |
| loanProductErrorData = validationErrorHelper.getLoanProductError(Utils.convertToJson(loanProductMap_3), |
| CommonConstants.RESPONSE_ERROR); |
| assertNotNull(loanProductErrorData); |
| assertEquals("validation.msg.loanproduct.disbursedAmountPercentageForDownPayment.supported.only.for.enable.down.payment.true", |
| loanProductErrorData.get(0).get(CommonConstants.RESPONSE_ERROR_MESSAGE_CODE)); |
| |
| // Loan Product with enable down payment and without disbursed amount percentage |
| final HashMap<String, Object> loanProductMap_4 = new LoanProductTestBuilder().withEnableDownPayment(enableDownPayment, null, false) |
| .build(null, delinquencyBucketId); |
| |
| loanProductErrorData = validationErrorHelper.getLoanProductError(Utils.convertToJson(loanProductMap_4), |
| CommonConstants.RESPONSE_ERROR); |
| assertNotNull(loanProductErrorData); |
| assertEquals("validation.msg.loanproduct.disbursedAmountPercentageForDownPayment.required.for.enable.down.payment.true", |
| loanProductErrorData.get(0).get(CommonConstants.RESPONSE_ERROR_MESSAGE_CODE)); |
| |
| // Loan Product with disable down payment and enable auto repayment for down payment |
| final HashMap<String, Object> loanProductMap_5 = new LoanProductTestBuilder().withEnableDownPayment(false, null, true).build(null, |
| delinquencyBucketId); |
| |
| loanProductErrorData = validationErrorHelper.getLoanProductError(Utils.convertToJson(loanProductMap_5), |
| CommonConstants.RESPONSE_ERROR); |
| assertNotNull(loanProductErrorData); |
| assertEquals("validation.msg.loanproduct.enableAutoRepaymentForDownPayment.supported.only.for.enable.down.payment.true", |
| loanProductErrorData.get(0).get(CommonConstants.RESPONSE_ERROR_MESSAGE_CODE)); |
| } |
| |
| @Test |
| public void loanApplicationCreationWithLoanProductWithEnableDownPaymentConfiguration() { |
| // Loan ExternalId |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| // Delinquency Bucket |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| // down-payment configuration |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = false; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| // Loan Product creation with down-payment configuration |
| Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment, |
| "25", enableAutoRepaymentForDownPayment); |
| |
| final GetLoanProductsProductIdResponse getLoanProductsProductResponse = loanTransactionHelper.getLoanProduct(loanProductId); |
| assertNotNull(getLoanProductsProductResponse); |
| assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment()); |
| assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment() |
| .compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment()); |
| |
| final Integer loanId = createApproveAndDisburseLoanAccount(clientId, loanProductId.longValue(), loanExternalIdStr); |
| |
| // Retrieve Loan with loanId |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| // verify down-payment details for Loan |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| } |
| |
| @Test |
| public void loanApplicationWithLoanProductWithEnableDownPaymentConfigurationDoesNotChangeWithUpdateProductConfiguration() { |
| // Loan ExternalId |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| // Delinquency Bucket |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| // down-payment configuration |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(12.5); |
| Boolean enableAutoRepaymentForDownPayment = false; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| // Loan Product creation with down-payment configuration |
| Integer loanProductId = createLoanProductWithDownPaymentConfiguration(loanTransactionHelper, delinquencyBucketId, enableDownPayment, |
| "12.5", enableAutoRepaymentForDownPayment); |
| |
| final GetLoanProductsProductIdResponse getLoanProductsProductResponse = loanTransactionHelper.getLoanProduct(loanProductId); |
| assertNotNull(getLoanProductsProductResponse); |
| assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment()); |
| assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment() |
| .compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment()); |
| |
| final Integer loanId = createApproveAndDisburseLoanAccount(clientId, loanProductId.longValue(), loanExternalIdStr); |
| |
| // Retrieve Loan with loanId |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| // verify down-payment details for Loan |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| // Modify Loan Product to update enable down payment configuration |
| PutLoanProductsProductIdResponse loanProductModifyResponse = updateLoanProduct(loanTransactionHelper, |
| getLoanProductsProductResponse.getId()); |
| assertNotNull(loanProductModifyResponse); |
| |
| // verify Loan product configuration change |
| GetLoanProductsProductIdResponse getLoanProductsProductResponse_1 = loanTransactionHelper.getLoanProduct(loanProductId); |
| assertNotNull(getLoanProductsProductResponse_1); |
| assertEquals(enableDownPayment, getLoanProductsProductResponse_1.getEnableDownPayment()); |
| assertEquals(0, getLoanProductsProductResponse_1.getDisbursedAmountPercentageForDownPayment().compareTo(BigDecimal.valueOf(25.0))); |
| assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse_1.getEnableAutoRepaymentForDownPayment()); |
| |
| // make repayment for loan |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("5 September 2022").locale("en") |
| .transactionAmount(100.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| // verify down-payment details for Loan does not change |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| } |
| |
| @Test |
| public void loanApplicationWithLoanProductWithEnableDownPaymentAndEnableAutoRepaymentForDownPaymentTest() { |
| try { |
| |
| // Set business date |
| LocalDate disbursementDate = LocalDate.of(2023, 3, 3); |
| |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate); |
| |
| // Accounts oof periodic accrual |
| final Account assetAccount = this.accountHelper.createAssetAccount(); |
| final Account incomeAccount = this.accountHelper.createIncomeAccount(); |
| final Account expenseAccount = this.accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = this.accountHelper.createLiabilityAccount(); |
| |
| // Loan ExternalId |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| // Delinquency Bucket |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| // down-payment configuration |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = true; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| // Loan Product creation with down-payment configuration |
| final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithDownPaymentConfigurationAndAccrualAccounting( |
| loanTransactionHelper, delinquencyBucketId, enableDownPayment, "25", enableAutoRepaymentForDownPayment, assetAccount, |
| incomeAccount, expenseAccount, overpaymentAccount); |
| |
| assertNotNull(getLoanProductsProductResponse); |
| assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment()); |
| assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment() |
| .compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment()); |
| |
| final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(), |
| loanExternalIdStr); |
| |
| // Retrieve Loan with loanId |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| // verify down-payment details for Loan |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| // first disbursement |
| loanTransactionHelper.disburseLoanWithTransactionAmount("03 March 2023", loanId, "1000"); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| // verify down-payment transaction created |
| checkDownPaymentTransaction(disbursementDate, 250.0f, 0.0f, 0.0f, 0.0f, loanId); |
| |
| // verify journal entries for down-payment |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "03 March 2023", |
| new JournalEntry(250, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "03 March 2023", |
| new JournalEntry(250, JournalEntry.TransactionType.DEBIT)); |
| |
| // verify installment details |
| assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(0).getDueDate()); |
| assertEquals(1000.0, loanDetails.getRepaymentSchedule().getPeriods().get(0).getPrincipalLoanBalanceOutstanding()); |
| assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod()); |
| assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate()); |
| assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod()); |
| assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getDownPaymentPeriod()); |
| assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPeriod()); |
| assertEquals(LocalDate.of(2023, 4, 2), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate()); |
| assertEquals(750.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getTotalInstallmentAmountForPeriod()); |
| assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(2).getDownPaymentPeriod()); |
| |
| // second disbursement |
| |
| disbursementDate = LocalDate.of(2023, 3, 5); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate); |
| loanTransactionHelper.disburseLoanWithTransactionAmount("05 March 2023", loanId, "200"); |
| checkDownPaymentTransaction(disbursementDate, 50.0f, 0.0f, 0.0f, 0.0f, loanId); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| // verify installment details |
| assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(0).getDueDate()); |
| assertEquals(1000.0, loanDetails.getRepaymentSchedule().getPeriods().get(0).getPrincipalLoanBalanceOutstanding()); |
| assertEquals(1, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPeriod()); |
| assertEquals(LocalDate.of(2023, 3, 3), loanDetails.getRepaymentSchedule().getPeriods().get(1).getDueDate()); |
| assertEquals(250.0, loanDetails.getRepaymentSchedule().getPeriods().get(1).getTotalInstallmentAmountForPeriod()); |
| assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(1).getDownPaymentPeriod()); |
| assertEquals(LocalDate.of(2023, 3, 5), loanDetails.getRepaymentSchedule().getPeriods().get(2).getDueDate()); |
| assertEquals(200.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPrincipalLoanBalanceOutstanding()); |
| assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(2).getDownPaymentPeriod()); |
| assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().get(3).getPeriod()); |
| assertEquals(LocalDate.of(2023, 3, 5), loanDetails.getRepaymentSchedule().getPeriods().get(3).getDueDate()); |
| assertEquals(50.0, loanDetails.getRepaymentSchedule().getPeriods().get(3).getTotalInstallmentAmountForPeriod()); |
| assertEquals(true, loanDetails.getRepaymentSchedule().getPeriods().get(3).getDownPaymentPeriod()); |
| assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().get(4).getPeriod()); |
| assertEquals(LocalDate.of(2023, 4, 2), loanDetails.getRepaymentSchedule().getPeriods().get(4).getDueDate()); |
| assertEquals(900.0, loanDetails.getRepaymentSchedule().getPeriods().get(4).getTotalInstallmentAmountForPeriod()); |
| assertEquals(false, loanDetails.getRepaymentSchedule().getPeriods().get(4).getDownPaymentPeriod()); |
| |
| // verify journal entries for down-payment |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "05 March 2023", |
| new JournalEntry(50, JournalEntry.TransactionType.CREDIT)); |
| this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "05 March 2023", |
| new JournalEntry(50, JournalEntry.TransactionType.DEBIT)); |
| |
| } finally { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE); |
| } |
| |
| } |
| |
| @Test |
| public void loanApplicationWithLoanProductWithEnableDownPaymentAndDisableAutoRepaymentForDownPaymentVerifyNoDownPaymentCreatedTest() { |
| try { |
| |
| // Set business date |
| LocalDate disbursementDate = LocalDate.of(2023, 3, 3); |
| |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate); |
| |
| // Accounts oof periodic accrual |
| final Account assetAccount = this.accountHelper.createAssetAccount(); |
| final Account incomeAccount = this.accountHelper.createIncomeAccount(); |
| final Account expenseAccount = this.accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = this.accountHelper.createLiabilityAccount(); |
| |
| // Loan ExternalId |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| // Delinquency Bucket |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| // down-payment configuration |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = false; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| // Loan Product creation with down-payment configuration |
| final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithDownPaymentConfigurationAndAccrualAccounting( |
| loanTransactionHelper, delinquencyBucketId, enableDownPayment, "25", enableAutoRepaymentForDownPayment, assetAccount, |
| incomeAccount, expenseAccount, overpaymentAccount); |
| |
| assertNotNull(getLoanProductsProductResponse); |
| assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment()); |
| assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment() |
| .compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment()); |
| |
| final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(), |
| loanExternalIdStr); |
| |
| // Retrieve Loan with loanId |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| // verify down-payment details for Loan |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| |
| // first disbursement |
| loanTransactionHelper.disburseLoanWithTransactionAmount("03 March 2023", loanId, "1000"); |
| |
| // verify no down-payment transaction created |
| checkNoDownPaymentTransaction(loanId); |
| |
| } finally { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE); |
| } |
| |
| } |
| |
| @Test |
| public void loanProductAndLoanAccountCreationWithEnableDownPaymentAndDisableRepaymentScheduleExtensionConfigurationTest() { |
| // Loan ExternalId |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| // down-payment configuration |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25); |
| Boolean enableAutoRepaymentForDownPayment = false; |
| |
| final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue(); |
| |
| // Loan Product creation with down-payment configuration |
| GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithEnableDownPaymentAndMultipleDisbursementsWithDisableRepaymentConfiguration( |
| loanTransactionHelper, enableDownPayment, "25", enableAutoRepaymentForDownPayment); |
| assertNotNull(getLoanProductsProductResponse); |
| assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment()); |
| assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment() |
| .compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment()); |
| |
| final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(), |
| loanExternalIdStr); |
| |
| // Retrieve Loan with loanId |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| // verify down-payment details for Loan |
| assertNotNull(loanDetails); |
| assertEquals(enableDownPayment, loanDetails.getEnableDownPayment()); |
| assertEquals(0, loanDetails.getDisbursedAmountPercentageForDownPayment().compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, loanDetails.getEnableAutoRepaymentForDownPayment()); |
| } |
| |
| private void checkNoDownPaymentTransaction(final Integer loanID) { |
| ArrayList<HashMap> transactions = (ArrayList<HashMap>) loanTransactionHelper.getLoanTransactions(this.requestSpec, |
| this.responseSpec, loanID); |
| boolean isTransactionFound = false; |
| for (int i = 0; i < transactions.size(); i++) { |
| HashMap transactionType = (HashMap) transactions.get(i).get("type"); |
| boolean isDownPaymentTransaction = (Boolean) transactionType.get("downPayment"); |
| |
| if (isDownPaymentTransaction) { |
| isTransactionFound = true; |
| break; |
| } |
| } |
| assertFalse(isTransactionFound, "Down Payment entries are posted"); |
| } |
| |
| private void checkDownPaymentTransaction(final LocalDate transactionDate, final Float principalPortion, final Float interestPortion, |
| final Float feePortion, final Float penaltyPortion, final Integer loanID) { |
| ArrayList<HashMap> transactions = (ArrayList<HashMap>) loanTransactionHelper.getLoanTransactions(this.requestSpec, |
| this.responseSpec, loanID); |
| boolean isTransactionFound = false; |
| for (int i = 0; i < transactions.size(); i++) { |
| HashMap transactionType = (HashMap) transactions.get(i).get("type"); |
| boolean isDownPaymentTransaction = (Boolean) transactionType.get("downPayment"); |
| |
| if (isDownPaymentTransaction) { |
| ArrayList<Integer> downPaymentDateAsArray = (ArrayList<Integer>) transactions.get(i).get("date"); |
| LocalDate downPaymentEntryDate = LocalDate.of(downPaymentDateAsArray.get(0), downPaymentDateAsArray.get(1), |
| downPaymentDateAsArray.get(2)); |
| |
| if (DateUtils.isEqual(transactionDate, downPaymentEntryDate)) { |
| isTransactionFound = true; |
| assertEquals(principalPortion, Float.valueOf(String.valueOf(transactions.get(i).get("principalPortion"))), |
| "Mismatch in transaction amounts"); |
| assertEquals(interestPortion, Float.valueOf(String.valueOf(transactions.get(i).get("interestPortion"))), |
| "Mismatch in transaction amounts"); |
| assertEquals(feePortion, Float.valueOf(String.valueOf(transactions.get(i).get("feeChargesPortion"))), |
| "Mismatch in transaction amounts"); |
| assertEquals(penaltyPortion, Float.valueOf(String.valueOf(transactions.get(i).get("penaltyChargesPortion"))), |
| "Mismatch in transaction amounts"); |
| break; |
| } |
| } |
| } |
| assertTrue(isTransactionFound, "No Down Payment entries are posted"); |
| } |
| |
| private Integer createLoanAccountMultipleRepaymentsDisbursement(final Integer clientID, final Long loanProductID, |
| final String externalId) { |
| |
| String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("30") |
| .withLoanTermFrequencyAsDays().withNumberOfRepayments("1").withRepaymentEveryAfter("30").withRepaymentFrequencyTypeAsDays() |
| .withInterestRatePerPeriod("0").withInterestTypeAsFlatBalance().withAmortizationTypeAsEqualPrincipalPayments() |
| .withInterestCalculationPeriodTypeSameAsRepaymentPeriod().withExpectedDisbursementDate("03 March 2023") |
| .withSubmittedOnDate("03 March 2023").withLoanType("individual").withExternalId(externalId) |
| .build(clientID.toString(), loanProductID.toString(), null); |
| |
| final Integer loanId = loanTransactionHelper.getLoanId(loanApplicationJSON); |
| loanTransactionHelper.approveLoan("03 March 2023", "1000", loanId, null); |
| return loanId; |
| } |
| |
| private GetLoanProductsProductIdResponse createLoanProductWithDownPaymentConfigurationAndAccrualAccounting( |
| LoanTransactionHelper loanTransactionHelper, Integer delinquencyBucketId, Boolean enableDownPayment, |
| String disbursedAmountPercentageForDownPayment, boolean enableAutoRepaymentForDownPayment, final Account... accounts) { |
| final String loanProductJSON = new LoanProductTestBuilder().withPrincipal("1000").withRepaymentTypeAsMonth() |
| .withRepaymentAfterEvery("1").withNumberOfRepayments("1").withRepaymentTypeAsMonth().withinterestRatePerPeriod("0") |
| .withInterestRateFrequencyTypeAsMonths().withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsDecliningBalance() |
| .withAccountingRulePeriodicAccrual(accounts).withInterestCalculationPeriodTypeAsRepaymentPeriod(true).withDaysInMonth("30") |
| .withDaysInYear("365").withMoratorium("0", "0").withMultiDisburse().withDisallowExpectedDisbursements(true) |
| .withEnableDownPayment(enableDownPayment, disbursedAmountPercentageForDownPayment, enableAutoRepaymentForDownPayment) |
| .build(null); |
| final Integer loanProductId = loanTransactionHelper.getLoanProductId(loanProductJSON); |
| return loanTransactionHelper.getLoanProduct(loanProductId); |
| } |
| |
| private PutLoanProductsProductIdResponse updateLoanProduct(LoanTransactionHelper loanTransactionHelper, Long id) { |
| // down-payment configuration |
| Boolean enableDownPayment = true; |
| BigDecimal disbursedAmountPercentageForDownPayment = BigDecimal.valueOf(25.0); |
| final PutLoanProductsProductIdRequest requestModifyLoan = new PutLoanProductsProductIdRequest().enableDownPayment(enableDownPayment) |
| .disbursedAmountPercentageForDownPayment(disbursedAmountPercentageForDownPayment).locale("en"); |
| return loanTransactionHelper.updateLoanProduct(id, requestModifyLoan); |
| } |
| |
| private GetLoanProductsProductIdResponse createLoanProduct(final LoanTransactionHelper loanTransactionHelper, |
| final Integer delinquencyBucketId) { |
| final HashMap<String, Object> loanProductMap = new LoanProductTestBuilder().build(null, delinquencyBucketId); |
| final Integer loanProductId = loanTransactionHelper.getLoanProductId(Utils.convertToJson(loanProductMap)); |
| return loanTransactionHelper.getLoanProduct(loanProductId); |
| } |
| |
| private Integer createLoanProductWithDownPaymentConfiguration(final LoanTransactionHelper loanTransactionHelper, |
| final Integer delinquencyBucketId, Boolean enableDownPayment, String disbursedAmountPercentageForDownPayment, |
| Boolean enableAutoRepaymentForDownPayment) { |
| final HashMap<String, Object> 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) { |
| |
| 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); |
| } |
| |
| } |