| /** |
| * 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.time.format.DateTimeFormatter; |
| import java.time.format.DateTimeFormatterBuilder; |
| import java.util.ArrayList; |
| import java.util.Arrays; |
| import java.util.HashMap; |
| import java.util.List; |
| import java.util.UUID; |
| import java.util.concurrent.atomic.AtomicInteger; |
| import org.apache.fineract.client.models.AdvancedPaymentData; |
| 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.PaymentAllocationOrder; |
| import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest; |
| import org.apache.fineract.client.models.PostLoansLoanIdTransactionsResponse; |
| import org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType; |
| import org.apache.fineract.infrastructure.core.service.DateUtils; |
| import org.apache.fineract.integrationtests.common.BusinessDateHelper; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.integrationtests.common.GlobalConfigurationHelper; |
| import org.apache.fineract.integrationtests.common.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.LoanTestLifecycleExtension; |
| import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper; |
| import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleType; |
| import org.apache.fineract.portfolio.loanproduct.domain.PaymentAllocationType; |
| import org.junit.jupiter.api.BeforeEach; |
| import org.junit.jupiter.api.Test; |
| import org.junit.jupiter.api.extension.ExtendWith; |
| |
| @ExtendWith(LoanTestLifecycleExtension.class) |
| public class LoanAccountPaymentAllocationWithOverlappingDownPaymentInstallmentTest { |
| |
| private ResponseSpecification responseSpec; |
| private RequestSpecification requestSpec; |
| private LoanTransactionHelper loanTransactionHelper; |
| private ClientHelper clientHelper; |
| private static final DateTimeFormatter DATE_FORMATTER = new DateTimeFormatterBuilder().appendPattern("dd MMMM yyyy").toFormatter(); |
| |
| @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 loanAccountWithEnableDownPaymentAndEnableAutoRepaymentForDownPaymentWithOverlappingInstallmentPaymentAllocationTest() { |
| try { |
| |
| // Test with |
| // Enable Down Payment |
| // Enable Auto Repayment For Down Payment |
| // Payment Strategy DEFAULT payment allocation strategy "Penalties, Fees, Interest, Principal order" |
| // Overlapping down payment and regular installment |
| |
| // Set business date |
| LocalDate disbursementDate = LocalDate.of(2023, 3, 3); |
| |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate); |
| |
| // Loan ExternalId |
| String loanExternalIdStr = UUID.randomUUID().toString(); |
| |
| // 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 = createLoanProductWithEnableDownPaymentAndMultipleDisbursements( |
| loanTransactionHelper, enableDownPayment, "25", enableAutoRepaymentForDownPayment); |
| |
| assertNotNull(getLoanProductsProductResponse); |
| assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment()); |
| assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment() |
| .compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment()); |
| |
| // create loan account with DEFAULT payment allocation strategy "Penalties, Fees, Interest, Principal order" |
| |
| final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(), |
| loanExternalIdStr, LoanProductTestBuilder.DEFAULT_STRATEGY); |
| |
| // add charge PENALTY with due date as overlapping installment due date |
| |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", true)); |
| |
| LocalDate targetDate = LocalDate.of(2023, 4, 3); |
| final String penaltyCharge1AddedDate = DATE_FORMATTER.format(targetDate); |
| |
| Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10")); |
| |
| assertNotNull(penalty1LoanChargeId); |
| |
| // add charge FEE with due date as overlapping installment due date |
| Integer fee = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", false)); |
| |
| targetDate = LocalDate.of(2023, 4, 3); |
| final String feeCharge1AddedDate = DATE_FORMATTER.format(targetDate); |
| |
| Integer feeLoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(fee), feeCharge1AddedDate, "5.15")); |
| |
| assertNotNull(feeLoanChargeId); |
| |
| // 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, "500"); |
| |
| // verify down-payment transaction created |
| checkDownPaymentTransaction(disbursementDate, 125.0f, 0.0f, 0.0f, 0.0f, loanId); |
| |
| // verify loan schedule |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails.getRepaymentSchedule()); |
| |
| // periods |
| assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| // disbursement period [0] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(0), LocalDate.of(2023, 3, 3), 500.0); |
| // down payment period [1] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(1), 1, 125.0, 125.0, 125.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| true, LocalDate.of(2023, 3, 3), LocalDate.of(2023, 3, 3)); |
| // regular installment [2] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(2), 2, 187.5, 0.0, 0.0, 202.65, 5.15, 0.0, 10.0, 0.0, |
| false, LocalDate.of(2023, 3, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [3] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(3), 3, 187.5, 0.0, 0.0, 187.5, 0.0, 0.0, 0.0, 0.0, |
| false, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 5, 3)); |
| |
| // second disbursement with overlapping installment i.e same due date as regular repayment due date |
| |
| disbursementDate = LocalDate.of(2023, 4, 3); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate); |
| loanTransactionHelper.disburseLoanWithTransactionAmount("03 April 2023", loanId, "1000"); |
| |
| checkDownPaymentTransaction(disbursementDate, 250.0f, 0.0f, 0.0f, 0.0f, loanId); |
| |
| // verify loan schedule |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails.getRepaymentSchedule()); |
| |
| // periods |
| assertEquals(6, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| // disbursement period [0] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(0), LocalDate.of(2023, 3, 3), 500.0); |
| // down payment period [1] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(1), 1, 125.0, 125.0, 125.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| true, LocalDate.of(2023, 3, 3), LocalDate.of(2023, 3, 3)); |
| // disbursement period [2] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(2), LocalDate.of(2023, 4, 3), 1000.0); |
| // down payment period [3] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(3), 2, 250.0, 250.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| true, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [4] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(4), 3, 562.5, 0.0, 0.0, 577.65, 5.15, 0.0, 10.0, 0.0, |
| false, LocalDate.of(2023, 3, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [5] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(5), 4, 562.5, 0.0, 0.0, 562.5, 0.0, 0.0, 0.0, 0.0, |
| false, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 5, 3)); |
| |
| // make repayment for fully paying and verify that regular installment gets fully paid on 3rd april |
| |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 April 2023").locale("en") |
| .transactionAmount(577.65)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails.getRepaymentSchedule()); |
| |
| // periods |
| assertEquals(6, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| // disbursement period [0] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(0), LocalDate.of(2023, 3, 3), 500.0); |
| // down payment period [1] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(1), 1, 125.0, 125.0, 125.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| true, LocalDate.of(2023, 3, 3), LocalDate.of(2023, 3, 3)); |
| // disbursement period [2] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(2), LocalDate.of(2023, 4, 3), 1000.0); |
| // down payment period [3] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(3), 2, 250.0, 250.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| true, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [4] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(4), 3, 562.5, 577.65, 562.5, 0.0, 5.15, 5.15, 10.0, |
| 10.0, true, LocalDate.of(2023, 3, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [5] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(5), 4, 562.5, 0.0, 0.0, 562.5, 0.0, 0.0, 0.0, 0.0, |
| false, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 5, 3)); |
| |
| } finally { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE); |
| } |
| |
| } |
| |
| @Test |
| public void loanAccountWithEnableDownPaymentAndDisableAutoRepaymentForDownPaymentWithOverlappingInstallmentPaymentAllocationTest() { |
| try { |
| |
| // Test with |
| // Enable Down Payment |
| // Disable Auto Repayment For Down Payment |
| // Payment Strategy INTEREST_PRINCIPAL_PENALTIES_FEES_ORDER_STRATEGY = |
| // "interest-principal-penalties-fees-order-strategy" |
| // Overlapping down payment and regular installment |
| |
| // Set business date |
| LocalDate disbursementDate = LocalDate.of(2023, 3, 3); |
| |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate); |
| |
| // 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 |
| final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithEnableDownPaymentAndMultipleDisbursements( |
| loanTransactionHelper, enableDownPayment, "25", enableAutoRepaymentForDownPayment); |
| |
| assertNotNull(getLoanProductsProductResponse); |
| assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment()); |
| assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment() |
| .compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment()); |
| |
| // create loan account with "interest-principal-penalties-fees-order-strategy" |
| |
| final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(), |
| loanExternalIdStr, LoanProductTestBuilder.INTEREST_PRINCIPAL_PENALTIES_FEES_ORDER_STRATEGY); |
| |
| // add charge PENALTY with due date as overlapping installment due date |
| |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", true)); |
| |
| LocalDate targetDate = LocalDate.of(2023, 4, 3); |
| final String penaltyCharge1AddedDate = DATE_FORMATTER.format(targetDate); |
| |
| Integer penalty1LoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10")); |
| |
| assertNotNull(penalty1LoanChargeId); |
| |
| // add charge FEE with due date as overlapping installment due date |
| Integer fee = ChargesHelper.createCharges(requestSpec, responseSpec, |
| ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", false)); |
| |
| targetDate = LocalDate.of(2023, 4, 3); |
| final String feeCharge1AddedDate = DATE_FORMATTER.format(targetDate); |
| |
| Integer feeLoanChargeId = this.loanTransactionHelper.addChargesForLoan(loanId, |
| LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(fee), feeCharge1AddedDate, "5.15")); |
| |
| assertNotNull(feeLoanChargeId); |
| |
| // 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, "500"); |
| |
| // make repayment on 3rd March |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 March 2023").locale("en") |
| .transactionAmount(125.0)); |
| |
| // verify loan schedule |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails.getRepaymentSchedule()); |
| |
| // periods |
| assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| // disbursement period [0] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(0), LocalDate.of(2023, 3, 3), 500.0); |
| // down payment period [1] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(1), 1, 125.0, 125.0, 125.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| true, LocalDate.of(2023, 3, 3), LocalDate.of(2023, 3, 3)); |
| // regular installment [2] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(2), 2, 187.5, 0.0, 0.0, 202.65, 5.15, 0.0, 10.0, 0.0, |
| false, LocalDate.of(2023, 3, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [3] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(3), 3, 187.5, 0.0, 0.0, 187.5, 0.0, 0.0, 0.0, 0.0, |
| false, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 5, 3)); |
| |
| // second disbursement with overlapping installment i.e same due date as regular repayment due date |
| |
| disbursementDate = LocalDate.of(2023, 4, 3); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate); |
| loanTransactionHelper.disburseLoanWithTransactionAmount("03 April 2023", loanId, "1000"); |
| |
| // make repayment on 3rd April |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 April 2023").locale("en") |
| .transactionAmount(250.0)); |
| |
| // verify loan schedule |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails.getRepaymentSchedule()); |
| |
| // periods |
| assertEquals(6, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| // disbursement period [0] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(0), LocalDate.of(2023, 3, 3), 500.0); |
| // down payment period [1] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(1), 1, 125.0, 125.0, 125.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| true, LocalDate.of(2023, 3, 3), LocalDate.of(2023, 3, 3)); |
| // disbursement period [2] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(2), LocalDate.of(2023, 4, 3), 1000.0); |
| // down payment period [3] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(3), 2, 250.0, 250.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| true, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [4] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(4), 3, 562.5, 0.0, 0.0, 577.65, 5.15, 0.0, 10.0, 0.0, |
| false, LocalDate.of(2023, 3, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [5] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(5), 4, 562.5, 0.0, 0.0, 562.5, 0.0, 0.0, 0.0, 0.0, |
| false, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 5, 3)); |
| |
| // make repayment for fully paying and verify that regular installment gets fully paid on 3rd april |
| |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction_2 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 April 2023").locale("en") |
| .transactionAmount(577.65)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails.getRepaymentSchedule()); |
| |
| // periods |
| assertEquals(6, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| // disbursement period [0] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(0), LocalDate.of(2023, 3, 3), 500.0); |
| // down payment period [1] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(1), 1, 125.0, 125.0, 125.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| true, LocalDate.of(2023, 3, 3), LocalDate.of(2023, 3, 3)); |
| // disbursement period [2] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(2), LocalDate.of(2023, 4, 3), 1000.0); |
| // down payment period [3] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(3), 2, 250.0, 250.0, 250.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| true, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [4] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(4), 3, 562.5, 577.65, 562.5, 0.0, 5.15, 5.15, 10.0, |
| 10.0, true, LocalDate.of(2023, 3, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [5] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(5), 4, 562.5, 0.0, 0.0, 562.5, 0.0, 0.0, 0.0, 0.0, |
| false, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 5, 3)); |
| |
| } finally { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE); |
| } |
| |
| } |
| |
| @Test |
| public void loanAccountWithEnableDownPaymentAndDisableAutoRepaymentForDownPaymentWithOverlappingInstallmentForMultipleDisbursementsOnSameDayTest() { |
| try { |
| |
| // Test with |
| // Enable Down Payment |
| // Disable Auto Repayment For Down Payment |
| // Overlapping down payment and regular installment with multiple disbursements on same day |
| |
| // Set business date |
| LocalDate disbursementDate = LocalDate.of(2023, 3, 3); |
| |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate); |
| |
| // 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 |
| final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithEnableDownPaymentAndMultipleDisbursements( |
| loanTransactionHelper, enableDownPayment, "25", enableAutoRepaymentForDownPayment); |
| |
| assertNotNull(getLoanProductsProductResponse); |
| assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment()); |
| assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment() |
| .compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment()); |
| |
| // create loan account |
| |
| final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(), |
| loanExternalIdStr, LoanProductTestBuilder.DEFAULT_STRATEGY); |
| |
| // 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, "200"); |
| |
| // make repayment on 3rd March |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 March 2023").locale("en") |
| .transactionAmount(50.0)); |
| |
| // verify loan schedule |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails.getRepaymentSchedule()); |
| |
| // periods |
| assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| // disbursement period [0] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(0), LocalDate.of(2023, 3, 3), 200.0); |
| // down payment period [1] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(1), 1, 50.0, 50.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 3, 3), LocalDate.of(2023, 3, 3)); |
| // regular installment [2] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(2), 2, 75.0, 0.0, 0.0, 75.0, 0.0, 0.0, 0.0, 0.0, false, |
| LocalDate.of(2023, 3, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [3] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(3), 3, 75.0, 0.0, 0.0, 75.0, 0.0, 0.0, 0.0, 0.0, false, |
| LocalDate.of(2023, 4, 3), LocalDate.of(2023, 5, 3)); |
| |
| // second disbursement with overlapping installment i.e same due date as regular repayment due date |
| |
| disbursementDate = LocalDate.of(2023, 4, 3); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate); |
| loanTransactionHelper.disburseLoanWithTransactionAmount("03 April 2023", loanId, "200"); |
| |
| // make repayment on 3rd April |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 April 2023").locale("en") |
| .transactionAmount(50.0)); |
| |
| // verify loan schedule |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails.getRepaymentSchedule()); |
| |
| // periods |
| assertEquals(6, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| // disbursement period [0] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(0), LocalDate.of(2023, 3, 3), 200.0); |
| // down payment period [1] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(1), 1, 50.0, 50.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 3, 3), LocalDate.of(2023, 3, 3)); |
| // disbursement period [2] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(2), LocalDate.of(2023, 4, 3), 200.0); |
| // down payment period [3] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(3), 2, 50.0, 50.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 4, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [4] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(4), 3, 150.0, 0.0, 0.0, 150.0, 0.0, 0.0, 0.0, 0.0, |
| false, LocalDate.of(2023, 3, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [5] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(5), 4, 150.0, 0.0, 0.0, 150.0, 0.0, 0.0, 0.0, 0.0, |
| false, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 5, 3)); |
| |
| // same day third disbursement with overlapping installment i.e same due date as regular repayment due date |
| // 3-April |
| loanTransactionHelper.disburseLoanWithTransactionAmount("03 April 2023", loanId, "200"); |
| |
| // make repayment on 3rd April |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction_2 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 April 2023").locale("en") |
| .transactionAmount(50.0)); |
| |
| // verify loan schedule |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails.getRepaymentSchedule()); |
| |
| // periods |
| assertEquals(8, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| // disbursement period [0] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(0), LocalDate.of(2023, 3, 3), 200.0); |
| // down payment period [1] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(1), 1, 50.0, 50.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 3, 3), LocalDate.of(2023, 3, 3)); |
| // disbursement period [2] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(2), LocalDate.of(2023, 4, 3), 200.0); |
| // disbursement period [3] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(3), LocalDate.of(2023, 4, 3), 200.0); |
| // down payment period [4] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(4), 2, 50.0, 50.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 4, 3), LocalDate.of(2023, 4, 3)); |
| // down payment period [5] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(5), 3, 50.0, 50.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 4, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [6] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(6), 4, 225.0, 0.0, 0.0, 225.0, 0.0, 0.0, 0.0, 0.0, |
| false, LocalDate.of(2023, 3, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [7] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(7), 5, 225.0, 0.0, 0.0, 225.0, 0.0, 0.0, 0.0, 0.0, |
| false, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 5, 3)); |
| |
| // make repayment for fully paying and verify that regular installment gets fully paid on 3rd april |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction_3 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 April 2023").locale("en") |
| .transactionAmount(225.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails.getRepaymentSchedule()); |
| |
| // periods |
| assertEquals(8, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| // disbursement period [0] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(0), LocalDate.of(2023, 3, 3), 200.0); |
| // down payment period [1] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(1), 1, 50.0, 50.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 3, 3), LocalDate.of(2023, 3, 3)); |
| // disbursement period [2] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(2), LocalDate.of(2023, 4, 3), 200.0); |
| // disbursement period [3] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(3), LocalDate.of(2023, 4, 3), 200.0); |
| // down payment period [4] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(4), 2, 50.0, 50.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 4, 3), LocalDate.of(2023, 4, 3)); |
| // down payment period [5] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(5), 3, 50.0, 50.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 4, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [6] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(6), 4, 225.0, 225.0, 225.0, 0.0, 0.0, 0.0, 0.0, 0.0, |
| true, LocalDate.of(2023, 3, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [7] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(7), 5, 225.0, 0.0, 0.0, 225.0, 0.0, 0.0, 0.0, 0.0, |
| false, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 5, 3)); |
| |
| } finally { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE); |
| } |
| |
| } |
| |
| @Test |
| public void loanAccountWithEnableDownPaymentWithAdvancedPaymentAllocationWithProgressiveScheduleGenerationMultipleDisbursementsOnSameDayTest() { |
| try { |
| |
| // Test with |
| // Enable Down Payment |
| // Disable Auto Repayment For Down Payment |
| // Overlapping down payment and regular installment with multiple disbursements on same day |
| // Progressive Schedule generation with Advanced Payment Allocation |
| |
| // Set business date |
| LocalDate disbursementDate = LocalDate.of(2023, 3, 3); |
| |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate); |
| |
| // 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(); |
| |
| String futureInstallmentAllocationRule = "NEXT_INSTALLMENT"; |
| AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation(futureInstallmentAllocationRule); |
| |
| // Loan Product creation with down-payment configuration and progressive schedule |
| final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProductWithAdvancedPaymentStrategyAndProgressiveLoanSchedule( |
| loanTransactionHelper, enableDownPayment, "25", enableAutoRepaymentForDownPayment, defaultAllocation); |
| |
| assertNotNull(getLoanProductsProductResponse); |
| assertEquals(enableDownPayment, getLoanProductsProductResponse.getEnableDownPayment()); |
| assertEquals(0, getLoanProductsProductResponse.getDisbursedAmountPercentageForDownPayment() |
| .compareTo(disbursedAmountPercentageForDownPayment)); |
| assertEquals(enableAutoRepaymentForDownPayment, getLoanProductsProductResponse.getEnableAutoRepaymentForDownPayment()); |
| |
| // create loan account |
| |
| final Integer loanId = createLoanAccountMultipleRepaymentsDisbursement(clientId, getLoanProductsProductResponse.getId(), |
| loanExternalIdStr, "advanced-payment-allocation-strategy"); |
| |
| // 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, "200"); |
| |
| // make repayment on 3rd March |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 March 2023").locale("en") |
| .transactionAmount(50.0)); |
| |
| // verify loan schedule |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails.getRepaymentSchedule()); |
| |
| // periods |
| assertEquals(4, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| // disbursement period [0] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(0), LocalDate.of(2023, 3, 3), 200.0); |
| // down payment period [1] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(1), 1, 50.0, 50.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 3, 3), LocalDate.of(2023, 3, 3)); |
| // regular installment [2] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(2), 2, 75.0, 0.0, 0.0, 75.0, 0.0, 0.0, 0.0, 0.0, false, |
| LocalDate.of(2023, 3, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [3] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(3), 3, 75.0, 0.0, 0.0, 75.0, 0.0, 0.0, 0.0, 0.0, false, |
| LocalDate.of(2023, 4, 3), LocalDate.of(2023, 5, 3)); |
| |
| // second disbursement with overlapping installment i.e same due date as regular repayment due date |
| |
| disbursementDate = LocalDate.of(2023, 4, 3); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, disbursementDate); |
| loanTransactionHelper.disburseLoanWithTransactionAmount("03 April 2023", loanId, "200"); |
| |
| // make repayment on 3rd April |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction_1 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 April 2023").locale("en") |
| .transactionAmount(50.0)); |
| |
| // verify loan schedule |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails.getRepaymentSchedule()); |
| |
| // periods |
| assertEquals(6, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| // disbursement period [0] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(0), LocalDate.of(2023, 3, 3), 200.0); |
| // down payment period [1] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(1), 1, 50.0, 50.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 3, 3), LocalDate.of(2023, 3, 3)); |
| // regular installment [2] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(2), 2, 75.0, 50.0, 50.0, 25.0, 0.0, 0.0, 0.0, 0.0, |
| false, LocalDate.of(2023, 3, 3), LocalDate.of(2023, 4, 3)); |
| // disbursement period [3] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(3), LocalDate.of(2023, 4, 3), 200.0); |
| // down payment period [4] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(4), 3, 50.0, 0.0, 0.0, 50.0, 0.0, 0.0, 0.0, 0.0, false, |
| LocalDate.of(2023, 4, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [5] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(5), 4, 225.0, 0.0, 0.0, 225.0, 0.0, 0.0, 0.0, 0.0, |
| false, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 5, 3)); |
| |
| // same day third disbursement with overlapping installment i.e same due date as regular repayment due date |
| // 3-April |
| loanTransactionHelper.disburseLoanWithTransactionAmount("03 April 2023", loanId, "200"); |
| |
| // make repayment on 3rd April |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction_2 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 April 2023").locale("en") |
| .transactionAmount(50.0)); |
| |
| // verify loan schedule |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails.getRepaymentSchedule()); |
| |
| // periods |
| assertEquals(8, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| // disbursement period [0] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(0), LocalDate.of(2023, 3, 3), 200.0); |
| // down payment period [1] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(1), 1, 50.0, 50.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 3, 3), LocalDate.of(2023, 3, 3)); |
| // regular installment [2] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(2), 2, 75.0, 75.0, 75.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 3, 3), LocalDate.of(2023, 4, 3)); |
| // disbursement period [3] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(3), LocalDate.of(2023, 4, 3), 200.0); |
| // disbursement period [4] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(4), LocalDate.of(2023, 4, 3), 200.0); |
| // down payment period [5] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(5), 3, 50.0, 25.0, 25.0, 25.0, 0.0, 0.0, 0.0, 0.0, |
| false, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 4, 3)); |
| // down payment period [6] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(6), 4, 50.0, 0.0, 0.0, 50.0, 0.0, 0.0, 0.0, 0.0, false, |
| LocalDate.of(2023, 4, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [7] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(7), 5, 375.0, 0.0, 0.0, 375.0, 0.0, 0.0, 0.0, 0.0, |
| false, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 5, 3)); |
| |
| // make repayment for fully paying and verify that regular installment gets fully paid on 3rd april |
| final PostLoansLoanIdTransactionsResponse repaymentTransaction_3 = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, |
| new PostLoansLoanIdTransactionsRequest().dateFormat("dd MMMM yyyy").transactionDate("3 April 2023").locale("en") |
| .transactionAmount(225.0)); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails(loanId.longValue()); |
| |
| assertNotNull(loanDetails.getRepaymentSchedule()); |
| |
| // periods |
| assertEquals(8, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| // disbursement period [0] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(0), LocalDate.of(2023, 3, 3), 200.0); |
| // down payment period [1] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(1), 1, 50.0, 50.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 3, 3), LocalDate.of(2023, 3, 3)); |
| // regular installment [2] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(2), 2, 75.0, 75.0, 75.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 3, 3), LocalDate.of(2023, 4, 3)); |
| // disbursement period [3] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(3), LocalDate.of(2023, 4, 3), 200.0); |
| // disbursement period [4] |
| verifyDisbursementPeriod(loanDetails.getRepaymentSchedule().getPeriods().get(4), LocalDate.of(2023, 4, 3), 200.0); |
| // down payment period [5] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(5), 3, 50.0, 50.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 4, 3), LocalDate.of(2023, 4, 3)); |
| // down payment period [6] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(6), 4, 50.0, 50.0, 50.0, 0.0, 0.0, 0.0, 0.0, 0.0, true, |
| LocalDate.of(2023, 4, 3), LocalDate.of(2023, 4, 3)); |
| // regular installment [7] |
| verifyPeriodDetails(loanDetails.getRepaymentSchedule().getPeriods().get(7), 5, 375.0, 150.0, 150.0, 225.0, 0.0, 0.0, 0.0, 0.0, |
| false, LocalDate.of(2023, 4, 3), LocalDate.of(2023, 5, 3)); |
| |
| } finally { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE); |
| } |
| |
| } |
| |
| private void verifyDisbursementPeriod(GetLoansLoanIdRepaymentPeriod period, LocalDate disbursementDate, double disbursedAmount) { |
| assertEquals(disbursementDate, period.getDueDate()); |
| assertEquals(disbursedAmount, period.getPrincipalLoanBalanceOutstanding()); |
| } |
| |
| private void verifyPeriodDetails(GetLoansLoanIdRepaymentPeriod period, Integer periodNumber, double periodAmount, |
| double periodAmountPaid, double principalPaid, double outstandingAmount, double feeDue, double feePaid, double penaltyDue, |
| double penaltyPaid, boolean isComplete, LocalDate periodFromDate, LocalDate periodDueDate) { |
| assertEquals(periodNumber, period.getPeriod()); |
| assertEquals(periodFromDate, period.getFromDate()); |
| assertEquals(periodDueDate, period.getDueDate()); |
| assertEquals(periodAmount, period.getTotalInstallmentAmountForPeriod()); |
| assertEquals(periodAmountPaid, period.getTotalPaidForPeriod()); |
| assertEquals(principalPaid, period.getPrincipalPaid()); |
| assertEquals(outstandingAmount, period.getTotalOutstandingForPeriod()); |
| assertEquals(feeDue, period.getFeeChargesDue()); |
| assertEquals(feePaid, period.getFeeChargesPaid()); |
| assertEquals(penaltyDue, period.getPenaltyChargesDue()); |
| assertEquals(penaltyPaid, period.getPenaltyChargesPaid()); |
| assertEquals(isComplete, period.getComplete()); |
| } |
| |
| private Integer createLoanAccountMultipleRepaymentsDisbursement(final Integer clientID, final Long loanProductID, |
| final String externalId, final String repaymentStartegy) { |
| |
| String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("2") |
| .withLoanTermFrequencyAsMonths().withNumberOfRepayments("2").withRepaymentEveryAfter("1") |
| .withRepaymentFrequencyTypeAsMonths().withInterestRatePerPeriod("0").withInterestTypeAsFlatBalance() |
| .withAmortizationTypeAsEqualPrincipalPayments().withInterestCalculationPeriodTypeSameAsRepaymentPeriod() |
| .withExpectedDisbursementDate("03 March 2023").withSubmittedOnDate("03 March 2023").withLoanType("individual") |
| .withExternalId(externalId).withRepaymentStrategy(repaymentStartegy) |
| .build(clientID.toString(), loanProductID.toString(), null); |
| |
| final Integer loanId = loanTransactionHelper.getLoanId(loanApplicationJSON); |
| loanTransactionHelper.approveLoan("03 March 2023", "1000", loanId, null); |
| return loanId; |
| } |
| |
| private GetLoanProductsProductIdResponse createLoanProductWithEnableDownPaymentAndMultipleDisbursements( |
| LoanTransactionHelper loanTransactionHelper, Boolean enableDownPayment, String disbursedAmountPercentageForDownPayment, |
| boolean enableAutoRepaymentForDownPayment) { |
| final String loanProductJSON = new LoanProductTestBuilder().withPrincipal("1000").withRepaymentTypeAsMonth() |
| .withRepaymentAfterEvery("1").withNumberOfRepayments("2").withRepaymentTypeAsMonth().withinterestRatePerPeriod("0") |
| .withInterestRateFrequencyTypeAsMonths().withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsDecliningBalance() |
| .withInterestCalculationPeriodTypeAsRepaymentPeriod(true).withDaysInMonth("30").withDaysInYear("365") |
| .withMoratorium("0", "0").withMultiDisburse().withDisallowExpectedDisbursements(true) |
| .withEnableDownPayment(enableDownPayment, disbursedAmountPercentageForDownPayment, enableAutoRepaymentForDownPayment) |
| .build(null); |
| final Integer loanProductId = loanTransactionHelper.getLoanProductId(loanProductJSON); |
| return loanTransactionHelper.getLoanProduct(loanProductId); |
| } |
| |
| private GetLoanProductsProductIdResponse createLoanProductWithAdvancedPaymentStrategyAndProgressiveLoanSchedule( |
| LoanTransactionHelper loanTransactionHelper, Boolean enableDownPayment, String disbursedAmountPercentageForDownPayment, |
| boolean enableAutoRepaymentForDownPayment, AdvancedPaymentData... advancedPaymentData) { |
| |
| final String loanProductJSON = new LoanProductTestBuilder().withPrincipal("1000").withRepaymentTypeAsMonth() |
| .withRepaymentAfterEvery("1").withNumberOfRepayments("2").withRepaymentTypeAsMonth().withinterestRatePerPeriod("0") |
| .withInterestRateFrequencyTypeAsMonths().withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsDecliningBalance() |
| .withInterestCalculationPeriodTypeAsRepaymentPeriod(true).withDaysInMonth("30").withDaysInYear("365") |
| .withMoratorium("0", "0").withMultiDisburse().withDisallowExpectedDisbursements(true) |
| .withEnableDownPayment(enableDownPayment, disbursedAmountPercentageForDownPayment, enableAutoRepaymentForDownPayment) |
| .addAdvancedPaymentAllocation(advancedPaymentData).withLoanScheduleType(LoanScheduleType.PROGRESSIVE).build(null); |
| final Integer loanProductId = loanTransactionHelper.getLoanProductId(loanProductJSON); |
| return loanTransactionHelper.getLoanProduct(loanProductId); |
| } |
| |
| private AdvancedPaymentData createDefaultPaymentAllocation(String futureInstallmentAllocationRule) { |
| AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData(); |
| advancedPaymentData.setTransactionType("DEFAULT"); |
| advancedPaymentData.setFutureInstallmentAllocationRule(futureInstallmentAllocationRule); |
| |
| List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.PAST_DUE_PENALTY, |
| PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_PRINCIPAL, PaymentAllocationType.PAST_DUE_INTEREST, |
| PaymentAllocationType.DUE_PENALTY, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_PRINCIPAL, |
| PaymentAllocationType.DUE_INTEREST, PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_FEE, |
| PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_INTEREST); |
| |
| advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders); |
| return advancedPaymentData; |
| } |
| |
| private List<PaymentAllocationOrder> getPaymentAllocationOrder(PaymentAllocationType... paymentAllocationTypes) { |
| AtomicInteger integer = new AtomicInteger(1); |
| return Arrays.stream(paymentAllocationTypes).map(pat -> { |
| PaymentAllocationOrder paymentAllocationOrder = new PaymentAllocationOrder(); |
| paymentAllocationOrder.setPaymentAllocationRule(pat.name()); |
| paymentAllocationOrder.setOrder(integer.getAndIncrement()); |
| return paymentAllocationOrder; |
| }).toList(); |
| } |
| |
| 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"); |
| } |
| } |
