| /** |
| * 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.apache.fineract.integrationtests.BaseLoanIntegrationTest.InterestCalculationPeriodType.SAME_AS_REPAYMENT_PERIOD; |
| |
| import java.math.BigDecimal; |
| import java.util.stream.Stream; |
| import org.apache.fineract.client.models.PostLoanProductsRequest; |
| import org.apache.fineract.client.models.PostLoanProductsResponse; |
| import org.apache.fineract.client.models.PostLoansLoanIdResponse; |
| import org.apache.fineract.client.models.PostLoansRequest; |
| import org.apache.fineract.client.models.PostLoansResponse; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.junit.jupiter.api.Named; |
| import org.junit.jupiter.api.Test; |
| import org.junit.jupiter.params.ParameterizedTest; |
| import org.junit.jupiter.params.provider.Arguments; |
| import org.junit.jupiter.params.provider.MethodSource; |
| |
| public class LoanInstallmentMultiplesOfTest extends BaseLoanIntegrationTest { |
| |
| private static Stream<Arguments> interestTypes() { |
| return Stream.of(Arguments.of(Named.of("DECLINING_BALANCE", InterestType.DECLINING_BALANCE)), // |
| Arguments.of(Named.of("FLAT", InterestType.FLAT))); |
| } |
| |
| @ParameterizedTest |
| @MethodSource("interestTypes") |
| public void test_LoanRepaymentScheduleIsEquallyDistributed_WhenNoInterest_ButInterestTypeIs(int interestType) { |
| runAt("01 January 2023", () -> { |
| int amortizationType = AmortizationType.EQUAL_INSTALLMENTS; |
| |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create Loan Product |
| PostLoanProductsRequest product = create1InstallmentAmountInMultiplesOf4Period1MonthLongWithInterestAndAmortizationProduct( |
| interestType, amortizationType); |
| |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product); |
| Long loanProductId = loanProductResponse.getResourceId(); |
| |
| // Apply and Approve Loan |
| double amount = 1250.0; |
| |
| PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", amount, 4)// |
| .repaymentEvery(1)// |
| .loanTermFrequency(4)// |
| .repaymentFrequencyType(RepaymentFrequencyType.MONTHS)// |
| .loanTermFrequencyType(RepaymentFrequencyType.MONTHS)// |
| .interestType(interestType)// |
| .amortizationType(amortizationType); |
| |
| PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest); |
| |
| PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(), |
| approveLoanRequest(amount, "01 January 2023")); |
| |
| Long loanId = approvedLoanResult.getLoanId(); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(313.0, false, "01 February 2023"), // |
| installment(313.0, false, "01 March 2023"), // |
| installment(313.0, false, "01 April 2023"), // |
| installment(311.0, false, "01 May 2023") // |
| ); |
| |
| // disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023"); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(313.0, false, "01 February 2023"), // |
| installment(313.0, false, "01 March 2023"), // |
| installment(313.0, false, "01 April 2023"), // |
| installment(311.0, false, "01 May 2023") // |
| ); |
| }); |
| } |
| |
| @Test |
| public void test_LoanRepaymentScheduleIsEquallyDistributed_WhenInterestIsPresent_AndInterestTypeIsFlat() { |
| runAt("01 January 2023", () -> { |
| int amortizationType = AmortizationType.EQUAL_INSTALLMENTS; |
| int interestType = InterestType.FLAT; |
| |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create Loan Product |
| PostLoanProductsRequest product = create1InstallmentAmountInMultiplesOf4Period1MonthLongWithInterestAndAmortizationProduct( |
| interestType, amortizationType)// |
| .maxInterestRatePerPeriod(12.0)// |
| .minInterestRatePerPeriod(12.0)// |
| .interestRatePerPeriod(12.0)// |
| .interestRateFrequencyType(InterestRateFrequencyType.YEARS).interestCalculationPeriodType(SAME_AS_REPAYMENT_PERIOD); |
| |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product); |
| Long loanProductId = loanProductResponse.getResourceId(); |
| |
| // Apply and Approve Loan |
| double amount = 1250.0; |
| int numberOfRepayments = 3; |
| |
| PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", amount, numberOfRepayments)// |
| .repaymentEvery(1)// |
| .loanTermFrequency(numberOfRepayments)// |
| .repaymentFrequencyType(RepaymentFrequencyType.MONTHS)// |
| .loanTermFrequencyType(RepaymentFrequencyType.MONTHS)// |
| .interestType(interestType)// |
| .amortizationType(amortizationType)// |
| .interestCalculationPeriodType(SAME_AS_REPAYMENT_PERIOD)// |
| .interestRatePerPeriod(BigDecimal.valueOf(12)); |
| |
| PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest); |
| |
| PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(), |
| approveLoanRequest(amount, "01 January 2023")); |
| |
| Long loanId = approvedLoanResult.getLoanId(); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(417.5, 12.5, 430.0, false, "01 February 2023"), // |
| installment(417.5, 12.5, 430.0, false, "01 March 2023"), // |
| installment(415.0, 12.5, 427.5, false, "01 April 2023") // |
| ); |
| |
| // disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023"); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(417.5, 12.5, 430.0, false, "01 February 2023"), // |
| installment(417.5, 12.5, 430.0, false, "01 March 2023"), // |
| installment(415.0, 12.5, 427.5, false, "01 April 2023") // |
| ); |
| }); |
| } |
| |
| @Test |
| public void test_LoanRepaymentScheduleIsEquallyDistributed_WhenInterestIsPresent_AndInterestTypeIsFlat_AndMultiplesOfIs20() { |
| runAt("01 January 2023", () -> { |
| int amortizationType = AmortizationType.EQUAL_INSTALLMENTS; |
| int interestType = InterestType.FLAT; |
| |
| // Create Client |
| Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId(); |
| |
| // Create Loan Product |
| PostLoanProductsRequest product = create1InstallmentAmountInMultiplesOf4Period1MonthLongWithInterestAndAmortizationProduct( |
| interestType, amortizationType)// |
| .maxInterestRatePerPeriod(12.0)// |
| .minInterestRatePerPeriod(12.0)// |
| .interestRatePerPeriod(12.0)// |
| .installmentAmountInMultiplesOf(20).interestRateFrequencyType(InterestRateFrequencyType.YEARS) |
| .interestCalculationPeriodType(SAME_AS_REPAYMENT_PERIOD); |
| |
| PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product); |
| Long loanProductId = loanProductResponse.getResourceId(); |
| |
| // Apply and Approve Loan |
| double amount = 1250.0; |
| int numberOfRepayments = 3; |
| |
| PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", amount, numberOfRepayments)// |
| .repaymentEvery(1)// |
| .loanTermFrequency(numberOfRepayments)// |
| .repaymentFrequencyType(RepaymentFrequencyType.MONTHS)// |
| .loanTermFrequencyType(RepaymentFrequencyType.MONTHS)// |
| .interestType(interestType)// |
| .amortizationType(amortizationType)// |
| .interestCalculationPeriodType(SAME_AS_REPAYMENT_PERIOD)// |
| .interestRatePerPeriod(BigDecimal.valueOf(12)); |
| |
| PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest); |
| |
| PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(), |
| approveLoanRequest(amount, "01 January 2023")); |
| |
| Long loanId = approvedLoanResult.getLoanId(); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(427.5, 12.5, 440.0, false, "01 February 2023"), // |
| installment(427.5, 12.5, 440.0, false, "01 March 2023"), // |
| installment(395.0, 12.5, 407.5, false, "01 April 2023") // |
| ); |
| |
| // disburse Loan |
| disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023"); |
| |
| // Verify Repayment Schedule |
| verifyRepaymentSchedule(loanId, // |
| installment(0, null, "01 January 2023"), // |
| installment(427.5, 12.5, 440.0, false, "01 February 2023"), // |
| installment(427.5, 12.5, 440.0, false, "01 March 2023"), // |
| installment(395.0, 12.5, 407.5, false, "01 April 2023") // |
| ); |
| }); |
| } |
| } |
