| /** |
| * 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 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.Arrays; |
| import java.util.List; |
| import java.util.concurrent.atomic.AtomicInteger; |
| import lombok.extern.slf4j.Slf4j; |
| import org.apache.fineract.client.models.AdvancedPaymentData; |
| import org.apache.fineract.client.models.BusinessDateRequest; |
| 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.PostClientsResponse; |
| import org.apache.fineract.client.models.PostLoansLoanIdRequest; |
| import org.apache.fineract.client.models.PostLoansRequest; |
| import org.apache.fineract.client.models.PostLoansResponse; |
| import org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType; |
| import org.apache.fineract.integrationtests.common.BusinessDateHelper; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.integrationtests.common.GlobalConfigurationHelper; |
| import org.apache.fineract.integrationtests.common.Utils; |
| import org.apache.fineract.integrationtests.common.accounting.Account; |
| import org.apache.fineract.integrationtests.common.accounting.AccountHelper; |
| import org.apache.fineract.integrationtests.common.charges.ChargesHelper; |
| 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.domain.transactionprocessor.impl.AdvancedPaymentScheduleTransactionProcessor; |
| import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleProcessingType; |
| import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleType; |
| import org.apache.fineract.portfolio.loanproduct.domain.PaymentAllocationType; |
| import org.junit.jupiter.api.BeforeAll; |
| import org.junit.jupiter.api.Test; |
| import org.junit.jupiter.api.extension.ExtendWith; |
| |
| @ExtendWith(LoanTestLifecycleExtension.class) |
| @Slf4j |
| public class RefundForActiveLoansWithAdvancedPaymentAllocationTest { |
| |
| private static final String DATETIME_PATTERN = "dd MMMM yyyy"; |
| private static final DateTimeFormatter DATE_FORMATTER = new DateTimeFormatterBuilder().appendPattern(DATETIME_PATTERN).toFormatter(); |
| private static RequestSpecification requestSpec; |
| private static ResponseSpecification responseSpec; |
| private static LoanTransactionHelper loanTransactionHelper; |
| private static PostClientsResponse client; |
| private static BusinessDateHelper businessDateHelper; |
| private static AccountHelper accountHelper; |
| |
| @BeforeAll |
| public static void setup() { |
| Utils.initializeRESTAssured(); |
| ClientHelper clientHelper = new ClientHelper(requestSpec, responseSpec); |
| requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build(); |
| requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey()); |
| requestSpec.header("Fineract-Platform-TenantId", "default"); |
| responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build(); |
| |
| loanTransactionHelper = new LoanTransactionHelper(requestSpec, responseSpec); |
| client = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()); |
| businessDateHelper = new BusinessDateHelper(); |
| accountHelper = new AccountHelper(requestSpec, responseSpec); |
| } |
| |
| @Test |
| public void refundForActiveLoanWithDefaultPaymentAllocationProcessingVertically() { |
| try { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE); |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName()) |
| .date("2023.02.15").dateFormat("yyyy.MM.dd").locale("en")); |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| |
| Integer loanProductId = createLoanProduct("1000", "30", "4", LoanScheduleProcessingType.VERTICAL, assetAccount, incomeAccount, |
| expenseAccount, overpaymentAccount); |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), loanProductId, 1000L, 90, 30, 3, |
| BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| int loanId = loanResponse.getLoanId().intValue(); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(1000.00)).locale("en")); |
| |
| final float feePortion = 50.0f; |
| final float penaltyPortion = 100.0f; |
| |
| Integer fee = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper |
| .getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(feePortion), false)); |
| |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper |
| .getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(penaltyPortion), true)); |
| |
| final String firstInstallmentChargeAddedDate = DATE_FORMATTER.format(LocalDate.of(2023, 1, 3)); |
| loanTransactionHelper.addChargesForLoan(loanId, LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON( |
| String.valueOf(fee), firstInstallmentChargeAddedDate, String.valueOf(feePortion))); |
| |
| loanTransactionHelper.addChargesForLoan(loanId, LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON( |
| String.valueOf(penalty), firstInstallmentChargeAddedDate, String.valueOf(penaltyPortion))); |
| |
| final String secondInstallmentChargeAddedDate = DATE_FORMATTER.format(LocalDate.of(2023, 2, 3)); |
| loanTransactionHelper.addChargesForLoan(loanId, LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON( |
| String.valueOf(fee), secondInstallmentChargeAddedDate, String.valueOf(feePortion))); |
| |
| loanTransactionHelper.addChargesForLoan(loanId, LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON( |
| String.valueOf(penalty), secondInstallmentChargeAddedDate, String.valueOf(penaltyPortion))); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails((long) loanId); |
| |
| GetLoansLoanIdRepaymentPeriod firstRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(2); |
| GetLoansLoanIdRepaymentPeriod secondRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(3); |
| GetLoansLoanIdRepaymentPeriod thirdRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(4); |
| |
| assertEquals(5, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| assertEquals(feePortion, firstRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(feePortion, firstRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(penaltyPortion, firstRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(penaltyPortion, firstRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, firstRepaymentInstallment.getPrincipalDue()); |
| assertEquals(250.0f, firstRepaymentInstallment.getPrincipalOutstanding()); |
| assertEquals(400.0f, firstRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(400.0f, firstRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 1, 31), firstRepaymentInstallment.getDueDate()); |
| |
| assertEquals(feePortion, secondRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(feePortion, secondRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(penaltyPortion, secondRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(penaltyPortion, secondRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(400.0f, secondRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(400.0f, secondRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 3, 2), secondRepaymentInstallment.getDueDate()); |
| |
| assertEquals(0.0f, thirdRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, thirdRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(250.0f, thirdRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 4, 1), thirdRepaymentInstallment.getDueDate()); |
| |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName()) |
| .date("2023.03.01").dateFormat("yyyy.MM.dd").locale("en")); |
| loanTransactionHelper.makeRepayment("01 March 2023", 810.0f, loanId); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails((long) loanId); |
| |
| firstRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(2); |
| secondRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(3); |
| thirdRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(4); |
| |
| assertEquals(5, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| assertEquals(feePortion, firstRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(penaltyPortion, firstRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, firstRepaymentInstallment.getPrincipalDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getPrincipalOutstanding()); |
| assertEquals(400.0f, firstRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(0.0f, firstRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 1, 31), firstRepaymentInstallment.getDueDate()); |
| |
| assertEquals(feePortion, secondRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, secondRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(penaltyPortion, secondRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, secondRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(400.0f, secondRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(0.0f, secondRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 3, 2), secondRepaymentInstallment.getDueDate()); |
| |
| assertEquals(0.0f, thirdRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, thirdRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(240.0f, thirdRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 4, 1), thirdRepaymentInstallment.getDueDate()); |
| |
| loanTransactionHelper.makeRefundByCash("01 March 2023", 15.0f, loanId); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails((long) loanId); |
| |
| firstRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(2); |
| secondRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(3); |
| thirdRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(4); |
| |
| assertEquals(5, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| assertEquals(feePortion, firstRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(penaltyPortion, firstRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, firstRepaymentInstallment.getPrincipalDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getPrincipalOutstanding()); |
| assertEquals(400.0f, firstRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(0.0f, firstRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 1, 31), firstRepaymentInstallment.getDueDate()); |
| |
| assertEquals(feePortion, secondRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, secondRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(penaltyPortion, secondRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, secondRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, secondRepaymentInstallment.getPrincipalDue()); |
| assertEquals(5.0f, secondRepaymentInstallment.getPrincipalOutstanding()); |
| assertEquals(400.0f, secondRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(5.0f, secondRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 3, 2), secondRepaymentInstallment.getDueDate()); |
| |
| assertEquals(0.0f, thirdRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, thirdRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(250.0f, thirdRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 4, 1), thirdRepaymentInstallment.getDueDate()); |
| |
| loanTransactionHelper.makeRefundByCash("01 March 2023", 265.0f, loanId); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails((long) loanId); |
| |
| firstRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(2); |
| secondRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(3); |
| thirdRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(4); |
| |
| assertEquals(5, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| assertEquals(feePortion, firstRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(penaltyPortion, firstRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, firstRepaymentInstallment.getPrincipalDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getPrincipalOutstanding()); |
| assertEquals(400.0f, firstRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(0.0f, firstRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 1, 31), firstRepaymentInstallment.getDueDate()); |
| |
| assertEquals(feePortion, secondRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(20.0f, secondRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(penaltyPortion, secondRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, secondRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, secondRepaymentInstallment.getPrincipalDue()); |
| assertEquals(250.0f, secondRepaymentInstallment.getPrincipalOutstanding()); |
| assertEquals(400.0f, secondRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(270.0f, secondRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 3, 2), secondRepaymentInstallment.getDueDate()); |
| |
| assertEquals(0.0f, thirdRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, thirdRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(250.0f, thirdRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 4, 1), thirdRepaymentInstallment.getDueDate()); |
| } finally { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE); |
| } |
| } |
| |
| @Test |
| public void refundForActiveLoanWithDefaultPaymentAllocationProcessingHorizontally() { |
| try { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE); |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName()) |
| .date("2023.02.15").dateFormat("yyyy.MM.dd").locale("en")); |
| |
| final Account assetAccount = accountHelper.createAssetAccount(); |
| final Account incomeAccount = accountHelper.createIncomeAccount(); |
| final Account expenseAccount = accountHelper.createExpenseAccount(); |
| final Account overpaymentAccount = accountHelper.createLiabilityAccount(); |
| |
| Integer loanProductId = createLoanProduct("1000", "30", "4", LoanScheduleProcessingType.HORIZONTAL, assetAccount, incomeAccount, |
| expenseAccount, overpaymentAccount); |
| |
| final PostLoansResponse loanResponse = applyForLoanApplication(client.getClientId(), loanProductId, 1000L, 90, 30, 3, |
| BigDecimal.ZERO, "01 January 2023", "01 January 2023"); |
| |
| int loanId = loanResponse.getLoanId().intValue(); |
| |
| loanTransactionHelper.approveLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(1000)).dateFormat(DATETIME_PATTERN) |
| .approvedOnDate("01 January 2023").locale("en")); |
| |
| loanTransactionHelper.disburseLoan(loanResponse.getLoanId(), |
| new PostLoansLoanIdRequest().actualDisbursementDate("01 January 2023").dateFormat(DATETIME_PATTERN) |
| .transactionAmount(BigDecimal.valueOf(1000.00)).locale("en")); |
| |
| final float feePortion = 50.0f; |
| final float penaltyPortion = 100.0f; |
| |
| Integer fee = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper |
| .getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(feePortion), false)); |
| |
| Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec, ChargesHelper |
| .getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, String.valueOf(penaltyPortion), true)); |
| |
| final String firstInstallmentChargeAddedDate = DATE_FORMATTER.format(LocalDate.of(2023, 1, 3)); |
| loanTransactionHelper.addChargesForLoan(loanId, LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON( |
| String.valueOf(fee), firstInstallmentChargeAddedDate, String.valueOf(feePortion))); |
| |
| loanTransactionHelper.addChargesForLoan(loanId, LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON( |
| String.valueOf(penalty), firstInstallmentChargeAddedDate, String.valueOf(penaltyPortion))); |
| |
| final String secondInstallmentChargeAddedDate = DATE_FORMATTER.format(LocalDate.of(2023, 2, 3)); |
| loanTransactionHelper.addChargesForLoan(loanId, LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON( |
| String.valueOf(fee), secondInstallmentChargeAddedDate, String.valueOf(feePortion))); |
| |
| loanTransactionHelper.addChargesForLoan(loanId, LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON( |
| String.valueOf(penalty), secondInstallmentChargeAddedDate, String.valueOf(penaltyPortion))); |
| |
| GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails((long) loanId); |
| |
| GetLoansLoanIdRepaymentPeriod firstRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(2); |
| GetLoansLoanIdRepaymentPeriod secondRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(3); |
| GetLoansLoanIdRepaymentPeriod thirdRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(4); |
| |
| assertEquals(5, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| assertEquals(feePortion, firstRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(feePortion, firstRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(penaltyPortion, firstRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(penaltyPortion, firstRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, firstRepaymentInstallment.getPrincipalDue()); |
| assertEquals(250.0f, firstRepaymentInstallment.getPrincipalOutstanding()); |
| assertEquals(400.0f, firstRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(400.0f, firstRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 1, 31), firstRepaymentInstallment.getDueDate()); |
| |
| assertEquals(feePortion, secondRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(feePortion, secondRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(penaltyPortion, secondRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(penaltyPortion, secondRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(400.0f, secondRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(400.0f, secondRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 3, 2), secondRepaymentInstallment.getDueDate()); |
| |
| assertEquals(0.0f, thirdRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, thirdRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(250.0f, thirdRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 4, 1), thirdRepaymentInstallment.getDueDate()); |
| |
| businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName()) |
| .date("2023.03.01").dateFormat("yyyy.MM.dd").locale("en")); |
| loanTransactionHelper.makeRepayment("28 January 2023", 810.0f, loanId); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails((long) loanId); |
| |
| firstRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(2); |
| secondRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(3); |
| thirdRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(4); |
| |
| assertEquals(5, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| assertEquals(feePortion, firstRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(penaltyPortion, firstRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, firstRepaymentInstallment.getPrincipalDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getPrincipalOutstanding()); |
| assertEquals(400.0f, firstRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(0.0f, firstRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 1, 31), firstRepaymentInstallment.getDueDate()); |
| |
| assertEquals(feePortion, secondRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, secondRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(penaltyPortion, secondRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, secondRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(400.0f, secondRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(0.0f, secondRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 3, 2), secondRepaymentInstallment.getDueDate()); |
| |
| assertEquals(0.0f, thirdRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, thirdRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(240.0f, thirdRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 4, 1), thirdRepaymentInstallment.getDueDate()); |
| |
| loanTransactionHelper.makeRefundByCash("28 January 2023", 15.0f, loanId); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails((long) loanId); |
| |
| firstRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(2); |
| secondRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(3); |
| thirdRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(4); |
| |
| assertEquals(5, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| assertEquals(feePortion, firstRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(penaltyPortion, firstRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, firstRepaymentInstallment.getPrincipalDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getPrincipalOutstanding()); |
| assertEquals(400.0f, firstRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(0.0f, firstRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 1, 31), firstRepaymentInstallment.getDueDate()); |
| |
| assertEquals(feePortion, secondRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, secondRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(penaltyPortion, secondRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, secondRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, secondRepaymentInstallment.getPrincipalDue()); |
| assertEquals(5.0f, secondRepaymentInstallment.getPrincipalOutstanding()); |
| assertEquals(400.0f, secondRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(5.0f, secondRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 3, 2), secondRepaymentInstallment.getDueDate()); |
| |
| assertEquals(0.0f, thirdRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, thirdRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(250.0f, thirdRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 4, 1), thirdRepaymentInstallment.getDueDate()); |
| |
| // fully unpaying the second installment |
| loanTransactionHelper.makeRefundByCash("28 January 2023", 395.0f, loanId); |
| |
| loanDetails = loanTransactionHelper.getLoanDetails((long) loanId); |
| |
| firstRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(2); |
| secondRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(3); |
| thirdRepaymentInstallment = loanDetails.getRepaymentSchedule().getPeriods().get(4); |
| |
| assertEquals(5, loanDetails.getRepaymentSchedule().getPeriods().size()); |
| assertEquals(feePortion, firstRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(penaltyPortion, firstRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, firstRepaymentInstallment.getPrincipalDue()); |
| assertEquals(0.0f, firstRepaymentInstallment.getPrincipalOutstanding()); |
| assertEquals(400.0f, firstRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(0.0f, firstRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 1, 31), firstRepaymentInstallment.getDueDate()); |
| |
| assertEquals(feePortion, secondRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(feePortion, secondRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(penaltyPortion, secondRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(penaltyPortion, secondRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, secondRepaymentInstallment.getPrincipalDue()); |
| assertEquals(250.0f, secondRepaymentInstallment.getPrincipalOutstanding()); |
| assertEquals(400.0f, secondRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(400.0f, secondRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 3, 2), secondRepaymentInstallment.getDueDate()); |
| |
| assertEquals(0.0f, thirdRepaymentInstallment.getFeeChargesDue()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getFeeChargesOutstanding()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getPenaltyChargesDue()); |
| assertEquals(0.0f, thirdRepaymentInstallment.getPenaltyChargesOutstanding()); |
| assertEquals(250.0f, thirdRepaymentInstallment.getTotalDueForPeriod()); |
| assertEquals(250.0f, thirdRepaymentInstallment.getTotalOutstandingForPeriod()); |
| assertEquals(LocalDate.of(2023, 4, 1), thirdRepaymentInstallment.getDueDate()); |
| } finally { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE); |
| } |
| } |
| |
| private Integer createLoanProduct(final String principal, final String repaymentAfterEvery, final String numberOfRepayments, |
| LoanScheduleProcessingType loanScheduleProcessingType, final Account... accounts) { |
| AdvancedPaymentData defaultAllocation = createDefaultPaymentAllocation(); |
| log.info("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------"); |
| final String loanProductJSON = new LoanProductTestBuilder().withMinPrincipal(principal).withPrincipal(principal) |
| .withRepaymentTypeAsDays().withRepaymentAfterEvery(repaymentAfterEvery).withNumberOfRepayments(numberOfRepayments) |
| .withEnableDownPayment(true, "25", true).withinterestRatePerPeriod("0").withInterestRateFrequencyTypeAsMonths() |
| .withRepaymentStrategy(AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY) |
| .withLoanScheduleType(LoanScheduleType.PROGRESSIVE).withLoanScheduleProcessingType(loanScheduleProcessingType) |
| .withAmortizationTypeAsEqualPrincipalPayment().withInterestTypeAsFlat().withAccountingRulePeriodicAccrual(accounts) |
| .addAdvancedPaymentAllocation(defaultAllocation).withLoanScheduleProcessingType(LoanScheduleProcessingType.HORIZONTAL) |
| .withDaysInMonth("30").withDaysInYear("365").withMoratorium("0", "0").build(null); |
| return loanTransactionHelper.getLoanProductId(loanProductJSON); |
| } |
| |
| private static AdvancedPaymentData createDefaultPaymentAllocation() { |
| AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData(); |
| advancedPaymentData.setTransactionType("DEFAULT"); |
| advancedPaymentData.setFutureInstallmentAllocationRule("NEXT_INSTALLMENT"); |
| |
| List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.PAST_DUE_PENALTY, |
| PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_INTEREST, PaymentAllocationType.PAST_DUE_PRINCIPAL, |
| PaymentAllocationType.DUE_PENALTY, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_INTEREST, |
| PaymentAllocationType.DUE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_FEE, |
| PaymentAllocationType.IN_ADVANCE_INTEREST, PaymentAllocationType.IN_ADVANCE_PRINCIPAL); |
| |
| advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders); |
| return advancedPaymentData; |
| } |
| |
| private static 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 static PostLoansResponse applyForLoanApplication(final Long clientId, final Integer loanProductId, final Long principal, |
| final int loanTermFrequency, final int repaymentAfterEvery, final int numberOfRepayments, final BigDecimal interestRate, |
| final String expectedDisbursementDate, final String submittedOnDate) { |
| log.info("--------------------------------APPLYING FOR LOAN APPLICATION--------------------------------"); |
| return loanTransactionHelper.applyLoan(new PostLoansRequest().clientId(clientId).productId(loanProductId.longValue()) |
| .expectedDisbursementDate(expectedDisbursementDate).dateFormat(DATETIME_PATTERN) |
| .transactionProcessingStrategyCode(AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY) |
| .locale("en").submittedOnDate(submittedOnDate).amortizationType(1).interestRatePerPeriod(interestRate) |
| .interestCalculationPeriodType(1).interestType(0).repaymentFrequencyType(0).repaymentEvery(repaymentAfterEvery) |
| .repaymentFrequencyType(0).numberOfRepayments(numberOfRepayments).loanTermFrequency(loanTermFrequency) |
| .loanTermFrequencyType(0).principal(BigDecimal.valueOf(principal)).loanType("individual")); |
| } |
| } |
