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apache/fineract/develop/./fineract-e2e-tests-runner/src/test/resources/features/EMICalculation-Part2.feature
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@Emi
Feature: EMI calculation and repayment schedule checks for interest bearing loans - Part2
@TestRailId:C3237
Scenario: Verify interest recalculation in case of overdue installments: UC12 - 1st installment paid on due date, 2nd installment overdue, interest recalculation: same as repayment period, till rest frequency date
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_SARP_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- 1st installment paid on due date ---
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
# --- 2nd installment overdue ---
When Admin sets the business date to "10 March 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.15 | 0.0 | 0.0 | 102.15 | 17.01 | 0.0 | 0.0 | 85.14 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 09 March 2024 | Accrual | 1.2 | 0.0 | 1.2 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3238
Scenario: Verify interest recalculation in case of overdue installments: UC13 - 1st installment paid on due date, 2nd installment overdue with partial late repayment, interest recalculation: daily, till preclose
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- 1st installment paid on due date ---
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
# --- 2nd installment paid partially and late ---
When Admin sets the business date to "05 March 2024"
And Customer makes "AUTOPAY" repayment on "05 March 2024" with 10 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 10.0 | 7.01 |
| 3 | 31 | 01 April 2024 | | 50.44 | 16.61 | 0.4 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.72 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.91 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.91 | 0.1 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.06 | 0.0 | 0.0 | 102.06 | 27.01 | 0.0 | 10.0 | 75.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 05 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 73.57 | false | false |
# --- 2nd installment overdue ---
When Admin sets the business date to "10 March 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 10.0 | 7.01 |
| 3 | 31 | 01 April 2024 | | 50.45 | 16.6 | 0.41 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.73 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.92 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.92 | 0.1 | 0.0 | 0.0 | 17.02 | 0.0 | 0.0 | 0.0 | 17.02 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.07 | 0.0 | 0.0 | 102.07 | 27.01 | 0.0 | 10.0 | 75.06 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 05 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 73.57 | false | false |
| 09 March 2024 | Accrual | 1.19 | 0.0 | 1.19 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3239
Scenario: Verify interest recalculation in case of overdue installments: UC14 - 1st installment paid on due date, 2nd installment overdue with partial late repayment, interest recalculation: daily, till rest frequency date
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- 1st installment paid on due date ---
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
# --- 2nd installment paid partially and late ---
When Admin sets the business date to "05 March 2024"
And Customer makes "AUTOPAY" repayment on "05 March 2024" with 10 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 10.0 | 7.01 |
| 3 | 31 | 01 April 2024 | | 50.44 | 16.61 | 0.4 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.72 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.91 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.91 | 0.1 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.06 | 0.0 | 0.0 | 102.06 | 27.01 | 0.0 | 10.0 | 75.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 05 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 73.57 | false | false |
# --- 2nd installment overdue ---
When Admin sets the business date to "10 March 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 10.0 | 7.01 |
| 3 | 31 | 01 April 2024 | | 50.45 | 16.6 | 0.41 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.73 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.92 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.92 | 0.1 | 0.0 | 0.0 | 17.02 | 0.0 | 0.0 | 0.0 | 17.02 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.07 | 0.0 | 0.0 | 102.07 | 27.01 | 0.0 | 10.0 | 75.06 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 05 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 73.57 | false | false |
| 09 March 2024 | Accrual | 1.19 | 0.0 | 1.19 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3240
Scenario: Verify interest recalculation in case of overdue installments: UC15 - 1st installment paid on due date, 2nd installment overdue, interest recalculation: same as repayment period, till preclose
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_SARP_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- 1st installment paid on due date ---
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
# --- 2nd installment paid partially and late ---
When Admin sets the business date to "05 March 2024"
And Customer makes "AUTOPAY" repayment on "05 March 2024" with 10 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 10.0 | 7.01 |
| 3 | 31 | 01 April 2024 | | 50.44 | 16.61 | 0.4 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.72 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.91 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.91 | 0.1 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.06 | 0.0 | 0.0 | 102.06 | 27.01 | 0.0 | 10.0 | 75.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 05 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 73.57 | false | false |
# --- 2nd installment overdue ---
When Admin sets the business date to "10 March 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 10.0 | 7.01 |
| 3 | 31 | 01 April 2024 | | 50.45 | 16.6 | 0.41 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.73 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.92 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.92 | 0.1 | 0.0 | 0.0 | 17.02 | 0.0 | 0.0 | 0.0 | 17.02 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.07 | 0.0 | 0.0 | 102.07 | 27.01 | 0.0 | 10.0 | 75.06 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 05 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 73.57 | false | false |
| 09 March 2024 | Accrual | 1.19 | 0.0 | 1.19 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3241
Scenario: Verify interest recalculation in case of overdue installments: UC16 - 1st installment paid on due date, 2nd installment overdue, interest recalculation: same as repayment period, till rest frequency date
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_SARP_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- 1st installment paid on due date ---
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
# --- 2nd installment paid partially and late ---
When Admin sets the business date to "05 March 2024"
And Customer makes "AUTOPAY" repayment on "05 March 2024" with 10 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 10.0 | 7.01 |
| 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.15 | 0.0 | 0.0 | 102.15 | 27.01 | 0.0 | 10.0 | 75.14 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 05 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 73.57 | false | false |
# --- 2nd installment overdue ---
When Admin sets the business date to "10 March 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 10.0 | 0.0 | 10.0 | 7.01 |
| 3 | 31 | 01 April 2024 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.15 | 0.0 | 0.0 | 102.15 | 27.01 | 0.0 | 10.0 | 75.14 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 05 March 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 73.57 | false | false |
| 09 March 2024 | Accrual | 1.2 | 0.0 | 1.2 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3244
Scenario: Verify support of interest rate calculation with frequency Whole term configured for progressive loan
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_WHOLE_TERM | 01 January 2024 | 100 | 4 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 75.37 | 24.63 | 1.0 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
| 2 | 29 | 01 March 2024 | | 50.49 | 24.88 | 0.75 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
| 3 | 31 | 01 April 2024 | | 25.36 | 25.13 | 0.5 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
| 4 | 30 | 01 May 2024 | | 0.0 | 25.36 | 0.25 | 0.0 | 0.0 | 25.61 | 0.0 | 0.0 | 0.0 | 25.61 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 2.50 | 0.0 | 0.0 | 102.50 | 0.0 | 0.0 | 0.0 | 102.50 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
# -- create other progressive loan with 12% interest rate and frequency PerYear to check that data should match for both loans
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 75.37 | 24.63 | 1.0 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
| 2 | 29 | 01 March 2024 | | 50.49 | 24.88 | 0.75 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
| 3 | 31 | 01 April 2024 | | 25.36 | 25.13 | 0.5 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
| 4 | 30 | 01 May 2024 | | 0.0 | 25.36 | 0.25 | 0.0 | 0.0 | 25.61 | 0.0 | 0.0 | 0.0 | 25.61 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 2.50 | 0.0 | 0.0 | 102.50 | 0.0 | 0.0 | 0.0 | 102.50 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
@TestRailId:C3287
Scenario: Verify support of interest rate calculation with frequency Whole term configured for progressive loan on loan account level
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with interestRateFrequencyType and following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | interestRateFrequencyType |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 4 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | WHOLE_TERM |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 75.37 | 24.63 | 1.0 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
| 2 | 29 | 01 March 2024 | | 50.49 | 24.88 | 0.75 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
| 3 | 31 | 01 April 2024 | | 25.36 | 25.13 | 0.5 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
| 4 | 30 | 01 May 2024 | | 0.0 | 25.36 | 0.25 | 0.0 | 0.0 | 25.61 | 0.0 | 0.0 | 0.0 | 25.61 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 2.50 | 0.0 | 0.0 | 102.50 | 0.0 | 0.0 | 0.0 | 102.50 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
# -- create other progressive loan with 12% interest rate and frequency PerYear to check that data should match for both loans
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 75.37 | 24.63 | 1.0 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
| 2 | 29 | 01 March 2024 | | 50.49 | 24.88 | 0.75 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
| 3 | 31 | 01 April 2024 | | 25.36 | 25.13 | 0.5 | 0.0 | 0.0 | 25.63 | 0.0 | 0.0 | 0.0 | 25.63 |
| 4 | 30 | 01 May 2024 | | 0.0 | 25.36 | 0.25 | 0.0 | 0.0 | 25.61 | 0.0 | 0.0 | 0.0 | 25.61 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100 | 2.50 | 0.0 | 0.0 | 102.50 | 0.0 | 0.0 | 0.0 | 102.50 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
@TestRailId:C3245
Scenario: Verify Interest recalculation - daily for overdue loan - UC1: 360/30, pre-close on overdue loan, preClosureInterestCalculationStrategy = till pre-close date
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- Fully repaid between 1st and 2nd installment, 1st installment is overdue ---
When Admin sets the business date to "15 February 2024"
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 100.86 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 17.01 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 February 2024 | 66.84 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 15 February 2024 | 49.83 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 15 February 2024 | 32.82 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 15 February 2024 | 15.81 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 15 February 2024 | 0.0 | 15.81 | 0.0 | 0.0 | 0.0 | 15.81 | 15.81 | 15.81 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.86 | 0.0 | 0.0 | 100.86 | 100.86 | 83.85 | 17.01 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 February 2024 | Repayment | 100.86 | 100.0 | 0.86 | 0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Accrual | 0.86 | 0.0 | 0.86 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan's all installments have obligations met
@TestRailId:C3246
Scenario: Verify Interest recalculation - daily for overdue loan - UC2: 360/30, pre-close on overdue loan, preClosureInterestCalculationStrategy = till rest frequency date
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- Fully repaid between 1st and 2nd installment, 1st installment is overdue ---
When Admin sets the business date to "15 February 2024"
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 101.16 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 17.01 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 February 2024 | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 15 February 2024 | 50.13 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 15 February 2024 | 33.12 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 15 February 2024 | 16.11 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 15 February 2024 | 0.0 | 16.11 | 0.0 | 0.0 | 0.0 | 16.11 | 16.11 | 16.11 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.16 | 0.0 | 0.0 | 101.16 | 101.16 | 84.15 | 17.01 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 February 2024 | Repayment | 101.16 | 100.0 | 1.16 | 0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Accrual | 1.16 | 0.0 | 1.16 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan's all installments have obligations met
@TestRailId:C3248
Scenario: Verify interest recalculation - late repayment, adjust NEXT installment - UC1: 360/30, daily, lesser then EMI amount is paid
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- lesser than emi amount is paid ---
When Admin sets the business date to "15 February 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 15 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 15.0 | 0.0 | 15.0 | 2.01 |
| 2 | 29 | 01 March 2024 | | 67.09 | 16.48 | 0.53 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.47 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.75 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.94 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.94 | 0.1 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 15.0 | 0.0 | 15.0 | 87.09 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 14 February 2024 | Accrual | 0.84 | 0.0 | 0.84 | 0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Repayment | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 85.0 | false | false |
@TestRailId:C3249
Scenario: Verify interest recalculation - late repayment, adjust NEXT installment - UC2: 360/30, daily, EMI amount is paid
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- emi amount is paid ---
When Admin sets the business date to "15 February 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 17.01 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.09 | 16.48 | 0.53 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.47 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.75 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.94 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.94 | 0.1 | 0.0 | 0.0 | 17.04 | 0.0 | 0.0 | 0.0 | 17.04 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.09 | 0.0 | 0.0 | 102.09 | 17.01 | 0.0 | 17.01 | 85.08 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 14 February 2024 | Accrual | 0.84 | 0.0 | 0.84 | 0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
@TestRailId:C3250
Scenario: Verify interest recalculation - late repayment, adjust NEXT installment - UC2: 360/30, daily, excess then EMI amount is paid
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- excess than emi amount is paid ---
When Admin sets the business date to "15 February 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 34.02 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 17.01 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 February 2024 | 66.84 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.42 | 16.42 | 0.59 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.7 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.89 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.89 | 0.1 | 0.0 | 0.0 | 16.99 | 0.0 | 0.0 | 0.0 | 16.99 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.04 | 0.0 | 0.0 | 102.04 | 34.02 | 17.01 | 17.01 | 68.02 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 February 2024 | Repayment | 34.02 | 33.16 | 0.86 | 0.0 | 0.0 | 66.84 | false | false |
| 14 February 2024 | Accrual | 0.84 | 0.0 | 0.84 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3267
Scenario: Verify interest recalculation - late repayment, adjust LAST installment - UC2: 360/30, daily, excess EMI amount is paid
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "LAST_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- lesser than emi amount is paid ---
When Admin sets the business date to "01 February 2024"
When Admin runs inline COB job for Loan
When Admin sets the business date to "15 February 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 34.02 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 17.01 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.04 | 16.53 | 0.48 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.32 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.5 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 17.01 | 16.49 | 0.1 | 0.0 | 0.0 | 16.59 | 0.0 | 0.0 | 0.0 | 16.59 |
| 6 | 30 | 01 July 2024 | 15 February 2024 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.00 | 1.64 | 0.0 | 0.0 | 101.64 | 34.02 | 17.01 | 17.01 | 67.62 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 31 January 2024 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false |
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Repayment | 34.02 | 33.44 | 0.58 | 0.0 | 0.0 | 66.56 | false | false |
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C3251
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC1: 360/30, early repayment with amount less then due interest
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- Early repayment with 0.20 EUR - NO interest recalculation, because we did not paid any outstanding principal portion ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 0.2 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.2 | 0.2 | 0.0 | 16.81 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.2 | 0.2 | 0.0 | 101.85 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 100.0 | false | false |
@TestRailId:C3252
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC2: 360/30, early repayment with amount 1 cent more then due interest
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- Early repayment with 0.27 EUR, only 0.01 EUR goes for principal --> interest recalculation kicks, but effect cannot be seen ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 0.27 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.27 | 0.27 | 0.0 | 16.74 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.27 | 0.27 | 0.0 | 101.78 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 0.27 | 0.01 | 0.26 | 0.0 | 0.0 | 99.99 | false | false |
@TestRailId:C3253
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC3: 360/30, early repayment with less than EMI amount
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- Early repayment with 15.0 EUR --> interest recalculation kicks, there is enough room for remaining interest ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 15 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.53 | 16.47 | 0.54 | 0.0 | 0.0 | 17.01 | 15.0 | 15.0 | 0.0 | 2.01 |
| 2 | 29 | 01 March 2024 | | 67.01 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.39 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.67 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.86 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.86 | 0.1 | 0.0 | 0.0 | 16.96 | 0.0 | 0.0 | 0.0 | 16.96 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.01 | 0.0 | 0.0 | 102.01 | 15.0 | 15.0 | 0.0 | 87.01 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 15.0 | 14.74 | 0.26 | 0.0 | 0.0 | 85.26 | false | false |
@TestRailId:C3254
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC4: 360/30, early repayment with only 1 cent less than EMI amount
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- Early repayment with 17.0 EUR --> interest recalculation kicks, there is not enough room for remaining interest, moving to next period ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.25 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 17.0 | 17.0 | 0.0 | 0.01 |
| 2 | 29 | 01 March 2024 | | 67.0 | 16.25 | 0.76 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 17.0 | 17.0 | 0.0 | 85.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 17.0 | 16.74 | 0.26 | 0.0 | 0.0 | 83.26 | false | false |
@TestRailId:C3255
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC5: 360/30, multiple early repayments for the same installment
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- Early repayment with 15.0 EUR ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 15 EUR transaction amount
When Admin runs inline COB job for Loan
# --- Early repayment with 2.01 EUR ---
When Admin sets the business date to "20 January 2024"
And Customer makes "AUTOPAY" repayment on "20 January 2024" with 2.01 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 20 January 2024 | 83.33 | 16.67 | 0.34 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.0 | 16.33 | 0.68 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 17.01 | 17.01 | 0.0 | 84.99 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 15.0 | 14.74 | 0.26 | 0.0 | 0.0 | 85.26 | false | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 18 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 20 January 2024 | Repayment | 2.01 | 1.93 | 0.08 | 0.0 | 0.0 | 83.33 | false | false |
@TestRailId:C3256
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC6: 360/30, early repayment with exact EMI amount
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- Early repayment with 17.01 EUR ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.01 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 January 2024 | 83.25 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.0 | 16.25 | 0.76 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 17.01 | 17.01 | 0.0 | 84.99 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 16.75 | 0.26 | 0.0 | 0.0 | 83.25 | false | false |
@TestRailId:C3257
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC7: 360/30, early repayment with twice than EMI amount
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- Early repayment with 34.02 EUR ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 34.02 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 January 2024 | 83.25 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 January 2024 | 66.24 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.23 | 16.01 | 1.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.51 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.7 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.7 | 0.1 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.85 | 0.0 | 0.0 | 101.85 | 34.02 | 34.02 | 0.0 | 67.83 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 34.02 | 33.76 | 0.26 | 0.0 | 0.0 | 66.24 | false | false |
@TestRailId:C3258
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC8: 360/30, preclose after early repayment
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- Early repayment with 17.01 EUR ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.01 EUR transaction amount
When Admin runs inline COB job for Loan
# --- Preclose with 83.33 EUR ---
When Admin sets the business date to "20 January 2024"
And Customer makes "AUTOPAY" repayment on "20 January 2024" with 83.33 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 January 2024 | 83.25 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 20 January 2024 | 66.32 | 16.93 | 0.08 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 20 January 2024 | 49.31 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 20 January 2024 | 32.3 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 20 January 2024 | 15.29 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 20 January 2024 | 0.0 | 15.29 | 0.0 | 0.0 | 0.0 | 15.29 | 15.29 | 15.29 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.34 | 0.0 | 0.0 | 100.34 | 100.34 | 100.34 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 16.75 | 0.26 | 0.0 | 0.0 | 83.25 | false | false |
| 20 January 2024 | Repayment | 83.33 | 83.25 | 0.08 | 0.0 | 0.0 | 0.0 | false | false |
| 20 January 2024 | Accrual | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3259
Scenario: Verify Interest recalculation - EARLY repayment, adjust NEXT installment - UC9: 360/30, interest modification after early repayment
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- Early repayment with 17.01 EUR ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.01 EUR transaction amount
When Admin runs inline COB job for Loan
# --- Interest rate changed to 4% ---
When Admin sets the business date to "20 January 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 21 January 2024 | 20 January 2024 | | | | | 4 |
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 January 2024 | 83.25 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 66.86 | 16.39 | 0.47 | 0.0 | 0.0 | 16.86 | 0.0 | 0.0 | 0.0 | 16.86 |
| 3 | 31 | 01 April 2024 | | 50.22 | 16.64 | 0.22 | 0.0 | 0.0 | 16.86 | 0.0 | 0.0 | 0.0 | 16.86 |
| 4 | 30 | 01 May 2024 | | 33.53 | 16.69 | 0.17 | 0.0 | 0.0 | 16.86 | 0.0 | 0.0 | 0.0 | 16.86 |
| 5 | 31 | 01 June 2024 | | 16.78 | 16.75 | 0.11 | 0.0 | 0.0 | 16.86 | 0.0 | 0.0 | 0.0 | 16.86 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.78 | 0.06 | 0.0 | 0.0 | 16.84 | 0.0 | 0.0 | 0.0 | 16.84 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.29 | 0.0 | 0.0 | 101.29 | 17.01 | 17.01 | 0.0 | 84.28 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 16.75 | 0.26 | 0.0 | 0.0 | 83.25 | false | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 17 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "25 January 2024"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 16.75 | 0.26 | 0.0 | 0.0 | 83.25 | false | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 17 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 20 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 21 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 22 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 24 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3269
Scenario: UC1 - Single disbursement, full refund within first installment period
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
When Admin sets the business date to "22 January 2024"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 1000 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 22 January 2024 | 750.54 | 249.46 | 5.68 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 22 January 2024 | 495.4 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 22 January 2024 | 240.26 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 22 January 2024 | 0.0 | 240.26 | 0.0 | 0.0 | 0.0 | 240.26 | 240.26 | 240.26 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 5.68 | 0.0 | 0.0 | 1005.68 | 1005.68 | 1005.68 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 22 January 2024 | Merchant Issued Refund | 1000.0 | 994.32 | 5.68 | 0.0 | 0.0 | 5.68 | false | false |
| 22 January 2024 | Interest Refund | 5.68 | 5.68 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 22 January 2024 | Accrual | 5.68 | 0.0 | 5.68 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3270
Scenario: UC2 - Single disbursement, full refund after first installment period
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 255.14 EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 255.14 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 504.02 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 3 | 31 | 01 April 2024 | | 253.11 | 250.91 | 4.23 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 4 | 30 | 01 May 2024 | | 0.0 | 253.11 | 2.05 | 0.0 | 0.0 | 255.16 | 0.0 | 0.0 | 0.0 | 255.16 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 20.58 | 0.0 | 0.0 | 1020.58 | 255.14 | 0.0 | 0.0 | 765.44 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 255.14 | 246.75 | 8.39 | 0.0 | 0.0 | 753.25 | false | false |
When Admin sets the business date to "09 February 2024"
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "09 February 2024" with 1000 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 255.14 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 09 February 2024 | 499.74 | 253.51 | 1.63 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 09 February 2024 | 244.6 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 09 February 2024 | 0.0 | 244.6 | 0.0 | 0.0 | 0.0 | 244.6 | 244.6 | 244.6 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 10.02 | 0.0 | 0.0 | 1010.02 | 1010.02 | 754.88 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 255.14 | 246.75 | 8.39 | 0.0 | 0.0 | 753.25 | false | false |
| 09 February 2024 | Payout Refund | 1000.0 | 753.25 | 1.63 | 0.0 | 0.0 | 0.0 | false | false |
| 09 February 2024 | Interest Refund | 10.02 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 09 February 2024 | Accrual | 10.02 | 0.0 | 10.02 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "10 February 2024"
When Admin makes Credit Balance Refund transaction on "10 February 2024" with 255.14 EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 255.14 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 09 February 2024 | 499.74 | 253.51 | 1.63 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 09 February 2024 | 244.6 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 09 February 2024 | 0.0 | 244.6 | 0.0 | 0.0 | 0.0 | 244.6 | 244.6 | 244.6 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 10.02 | 0.0 | 0.0 | 1010.02 | 1010.02 | 754.88 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 255.14 | 246.75 | 8.39 | 0.0 | 0.0 | 753.25 | false | false |
| 09 February 2024 | Payout Refund | 1000.0 | 753.25 | 1.63 | 0.0 | 0.0 | 0.0 | false | false |
| 09 February 2024 | Interest Refund | 10.02 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 09 February 2024 | Accrual | 10.02 | 0.0 | 10.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 February 2024 | Credit Balance Refund | 255.14 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3271
Scenario: UC3 - Multi disbursements, same day, full refund within first installment period
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "750" EUR transaction amount
When Admin successfully disburse the loan on "01 January 2024" with "250" EUR transaction amount
When Admin sets the business date to "22 January 2024"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 1000 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 22 January 2024 | 750.54 | 249.46 | 5.68 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 22 January 2024 | 495.4 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 22 January 2024 | 240.26 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 22 January 2024 | 0.0 | 240.26 | 0.0 | 0.0 | 0.0 | 240.26 | 240.26 | 240.26 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 5.68 | 0.0 | 0.0 | 1005.68 | 1005.68 | 1005.68 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 750.0 | false | false |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 22 January 2024 | Merchant Issued Refund | 1000.0 | 994.32 | 5.68 | 0.0 | 0.0 | 5.68 | false | false |
| 22 January 2024 | Interest Refund | 5.68 | 5.68 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 22 January 2024 | Accrual | 5.68 | 0.0 | 5.68 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3272
Scenario: UC4 - Multi disbursements, different days, full refund within first installment period
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "250" EUR transaction amount
When Admin sets the business date to "04 January 2024"
When Admin successfully disburse the loan on "04 January 2024" with "750" EUR transaction amount
When Admin sets the business date to "22 January 2024"
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 1000 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 04 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 22 January 2024 | 750.08 | 249.92 | 5.07 | 0.0 | 0.0 | 254.99 | 254.99 | 254.99 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 22 January 2024 | 495.09 | 254.99 | 0.0 | 0.0 | 0.0 | 254.99 | 254.99 | 254.99 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 22 January 2024 | 240.1 | 254.99 | 0.0 | 0.0 | 0.0 | 254.99 | 254.99 | 254.99 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 22 January 2024 | 0.0 | 240.1 | 0.0 | 0.0 | 0.0 | 240.1 | 240.1 | 240.1 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 5.07 | 0.0 | 0.0 | 1005.07 | 1005.07 | 1005.07 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 04 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 22 January 2024 | Payout Refund | 1000.0 | 994.93 | 5.07 | 0.0 | 0.0 | 5.07 | false | false |
| 22 January 2024 | Interest Refund | 5.07 | 5.07 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 22 January 2024 | Accrual | 5.07 | 0.0 | 5.07 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3273
Scenario: UC5 - Multi disbursements, different days, full refund after first installment period
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
When Admin sets the business date to "07 January 2024"
When Admin successfully disburse the loan on "07 January 2024" with "500" EUR transaction amount
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 255.14 EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 07 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 752.63 | 247.37 | 7.57 | 0.0 | 0.0 | 254.94 | 254.94 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 503.59 | 249.04 | 5.9 | 0.0 | 0.0 | 254.94 | 0.2 | 0.2 | 0.0 | 254.74 |
| 3 | 31 | 01 April 2024 | | 252.87 | 250.72 | 4.22 | 0.0 | 0.0 | 254.94 | 0.0 | 0.0 | 0.0 | 254.94 |
| 4 | 30 | 01 May 2024 | | 0.0 | 252.87 | 2.05 | 0.0 | 0.0 | 254.92 | 0.0 | 0.0 | 0.0 | 254.92 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 19.74 | 0.0 | 0.0 | 1019.74 | 255.14 | 0.2 | 0.0 | 764.6 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 07 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 255.14 | 247.57 | 7.57 | 0.0 | 0.0 | 752.43 | false | false |
When Admin sets the business date to "09 February 2024"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "09 February 2024" with 1000 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 07 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 752.63 | 247.37 | 7.57 | 0.0 | 0.0 | 254.94 | 254.94 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 09 February 2024 | 499.32 | 253.31 | 1.63 | 0.0 | 0.0 | 254.94 | 254.94 | 254.94 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 09 February 2024 | 244.38 | 254.94 | 0.0 | 0.0 | 0.0 | 254.94 | 254.94 | 254.94 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 09 February 2024 | 0.0 | 244.38 | 0.0 | 0.0 | 0.0 | 244.38 | 244.38 | 244.38 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 9.2 | 0.0 | 0.0 | 1009.2 | 1009.2 | 754.26 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 07 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 255.14 | 247.57 | 7.57 | 0.0 | 0.0 | 752.43 | false | false |
| 09 February 2024 | Merchant Issued Refund | 1000.0 | 752.43 | 1.63 | 0.0 | 0.0 | 0.0 | false | false |
| 09 February 2024 | Interest Refund | 9.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 09 February 2024 | Accrual | 9.2 | 0.0 | 9.2 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "10 February 2024"
When Admin makes Credit Balance Refund transaction on "10 February 2024" with 255.14 EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 07 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 752.63 | 247.37 | 7.57 | 0.0 | 0.0 | 254.94 | 254.94 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 09 February 2024 | 499.32 | 253.31 | 1.63 | 0.0 | 0.0 | 254.94 | 254.94 | 254.94 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 09 February 2024 | 244.38 | 254.94 | 0.0 | 0.0 | 0.0 | 254.94 | 254.94 | 254.94 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 09 February 2024 | 0.0 | 244.38 | 0.0 | 0.0 | 0.0 | 244.38 | 244.38 | 244.38 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 9.2 | 0.0 | 0.0 | 1009.2 | 1009.2 | 754.26 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 07 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 255.14 | 247.57 | 7.57 | 0.0 | 0.0 | 752.43 | false | false |
| 09 February 2024 | Merchant Issued Refund | 1000.0 | 752.43 | 1.63 | 0.0 | 0.0 | 0.0 | false | false |
| 09 February 2024 | Interest Refund | 9.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 09 February 2024 | Accrual | 9.2 | 0.0 | 9.2 | 0.0 | 0.0 | 0.0 | false | false |
| 10 February 2024 | Credit Balance Refund | 255.14 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3277
Scenario: UC6 - Single disbursement, partial refund within first installment period
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 2 | 29 | 01 March 2024 | | 504.02 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 3 | 31 | 01 April 2024 | | 253.11 | 250.91 | 4.23 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 4 | 30 | 01 May 2024 | | 0.0 | 253.11 | 2.05 | 0.0 | 0.0 | 255.16 | 0.0 | 0.0 | 0.0 | 255.16 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 20.58 | 0.0 | 0.0 | 1020.58 | 0.0 | 0.0 | 0.0 | 1020.58 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "14 February 2024"
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "14 February 2024" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 14 February 2024 | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 255.14 | 0.0 | 255.14 | 0.0 |
| 2 | 29 | 01 March 2024 | | 498.11 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 250.82 | 250.82 | 0.0 | 4.32 |
| 3 | 31 | 01 April 2024 | | 252.84 | 245.27 | 9.87 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 4 | 30 | 01 May 2024 | | 0.0 | 252.84 | 2.05 | 0.0 | 0.0 | 254.89 | 0.0 | 0.0 | 0.0 | 254.89 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 20.31 | 0.0 | 0.0 | 1020.31 | 505.96 | 250.82 | 255.14 | 514.35 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 14 February 2024 | Payout Refund | 500.0 | 491.61 | 8.39 | 0.0 | 0.0 | 508.39 | false | false |
| 14 February 2024 | Interest Refund | 5.96 | 5.96 | 0.0 | 0.0 | 0.0 | 502.43 | false | false |
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 4.33 EUR transaction amount
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 255.14 EUR transaction amount
When Admin sets the business date to "01 May 2024"
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 254.88 EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 14 February 2024 | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 255.14 | 0.0 | 255.14 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 498.11 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 255.14 | 250.82 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 April 2024 | 252.84 | 245.27 | 9.87 | 0.0 | 0.0 | 255.14 | 255.14 | 0.01 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 May 2024 | 0.0 | 252.84 | 2.05 | 0.0 | 0.0 | 254.89 | 254.89 | 0.01 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 20.31 | 0.0 | 0.0 | 1020.31 | 1020.31 | 250.84 | 255.14 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 14 February 2024 | Payout Refund | 500.0 | 491.61 | 8.39 | 0.0 | 0.0 | 508.39 | false | false |
| 14 February 2024 | Interest Refund | 5.96 | 5.96 | 0.0 | 0.0 | 0.0 | 502.43 | false | false |
| 01 March 2024 | Repayment | 4.33 | 4.33 | 0.0 | 0.0 | 0.0 | 498.1 | false | false |
| 01 April 2024 | Repayment | 255.14 | 245.27 | 9.87 | 0.0 | 0.0 | 252.83 | false | false |
| 01 May 2024 | Repayment | 254.88 | 252.83 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
| 01 May 2024 | Accrual | 20.31 | 0.0 | 20.31 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3278
Scenario: UC7 - Single disbursement, partial refund after first installment period
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
When Admin sets the business date to "01 February 2024"
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 2 | 29 | 01 March 2024 | | 504.02 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 3 | 31 | 01 April 2024 | | 253.11 | 250.91 | 4.23 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 4 | 30 | 01 May 2024 | | 0.0 | 253.11 | 2.05 | 0.0 | 0.0 | 255.16 | 0.0 | 0.0 | 0.0 | 255.16 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 20.58 | 0.0 | 0.0 | 1020.58 | 0.0 | 0.0 | 0.0 | 1020.58 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 255.14 EUR transaction amount
When Admin sets the business date to "09 February 2024"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "09 February 2024" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 255.14 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 09 February 2024 | 499.74 | 253.51 | 1.63 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 248.11 | 251.63 | 3.51 | 0.0 | 0.0 | 255.14 | 250.15 | 250.15 | 0.0 | 4.99 |
| 4 | 30 | 01 May 2024 | | 0.0 | 248.11 | 2.01 | 0.0 | 0.0 | 250.12 | 0.0 | 0.0 | 0.0 | 250.12 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 15.54 | 0.0 | 0.0 | 1015.54 | 760.43 | 505.29 | 0.0 | 255.11 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 255.14 | 246.75 | 8.39 | 0.0 | 0.0 | 753.25 | false | false |
| 09 February 2024 | Merchant Issued Refund | 500.0 | 498.37 | 1.63 | 0.0 | 0.0 | 254.88 | false | false |
| 09 February 2024 | Interest Refund | 5.29 | 5.29 | 0.0 | 0.0 | 0.0 | 249.59 | false | false |
When Admin sets the business date to "01 March 2024"
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 4.99 EUR transaction amount
When Admin sets the business date to "01 May 2024"
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 250.12 EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 255.14 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 09 February 2024 | 499.74 | 253.51 | 1.63 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 April 2024 | 248.11 | 251.63 | 3.51 | 0.0 | 0.0 | 255.14 | 255.14 | 250.15 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 May 2024 | 0.0 | 248.11 | 2.01 | 0.0 | 0.0 | 250.12 | 250.12 | 0.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 15.54 | 0.0 | 0.0 | 1015.54 | 1015.54 | 505.29 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 255.14 | 246.75 | 8.39 | 0.0 | 0.0 | 753.25 | false | false |
| 09 February 2024 | Merchant Issued Refund | 500.0 | 498.37 | 1.63 | 0.0 | 0.0 | 254.88 | false | false |
| 09 February 2024 | Interest Refund | 5.29 | 5.29 | 0.0 | 0.0 | 0.0 | 249.59 | false | false |
| 01 April 2024 | Repayment | 4.99 | 1.48 | 3.51 | 0.0 | 0.0 | 248.11 | false | false |
| 01 May 2024 | Repayment | 250.12 | 248.11 | 2.01 | 0.0 | 0.0 | 0.0 | false | false |
| 01 May 2024 | Accrual | 15.54 | 0.0 | 15.54 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3279
Scenario: UC8 - Multi disbursements, same days, partial refund within first installment period
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "250" EUR transaction amount
When Admin successfully disburse the loan on "01 January 2024" with "750" EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 2 | 29 | 01 March 2024 | | 504.02 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 3 | 31 | 01 April 2024 | | 253.11 | 250.91 | 4.23 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 4 | 30 | 01 May 2024 | | 0.0 | 253.11 | 2.05 | 0.0 | 0.0 | 255.16 | 0.0 | 0.0 | 0.0 | 255.16 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 20.58 | 0.0 | 0.0 | 1020.58 | 0.0 | 0.0 | 0.0 | 1020.58 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 01 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "22 January 2024"
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 22 January 2024 | 750.54 | 249.46 | 5.68 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 500.7 | 249.84 | 5.3 | 0.0 | 0.0 | 255.14 | 247.7 | 247.7 | 0.0 | 7.44 |
| 3 | 31 | 01 April 2024 | | 249.76 | 250.94 | 4.2 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 4 | 30 | 01 May 2024 | | 0.0 | 249.76 | 2.03 | 0.0 | 0.0 | 251.79 | 0.0 | 0.0 | 0.0 | 251.79 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 17.21 | 0.0 | 0.0 | 1017.21 | 502.84 | 502.84 | 0.0 | 514.37 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 01 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 22 January 2024 | Payout Refund | 500.0 | 494.32 | 5.68 | 0.0 | 0.0 | 505.68 | false | false |
| 22 January 2024 | Interest Refund | 2.84 | 2.84 | 0.0 | 0.0 | 0.0 | 502.84 | false | false |
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 7.46 EUR transaction amount
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 255.15 EUR transaction amount
When Admin sets the business date to "01 May 2024"
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 251.76 EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 22 January 2024 | 750.54 | 249.46 | 5.68 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 500.7 | 249.84 | 5.3 | 0.0 | 0.0 | 255.14 | 255.14 | 247.7 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 April 2024 | 249.76 | 250.94 | 4.2 | 0.0 | 0.0 | 255.14 | 255.14 | 0.02 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 May 2024 | 0.0 | 249.76 | 2.03 | 0.0 | 0.0 | 251.79 | 251.79 | 0.03 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 17.21 | 0.0 | 0.0 | 1017.21 | 1017.21 | 502.89 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 01 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 22 January 2024 | Payout Refund | 500.0 | 494.32 | 5.68 | 0.0 | 0.0 | 505.68 | false | false |
| 22 January 2024 | Interest Refund | 2.84 | 2.84 | 0.0 | 0.0 | 0.0 | 502.84 | false | false |
| 01 March 2024 | Repayment | 7.46 | 2.16 | 5.3 | 0.0 | 0.0 | 500.68 | false | false |
| 01 April 2024 | Repayment | 255.15 | 250.95 | 4.2 | 0.0 | 0.0 | 249.73 | false | false |
| 01 May 2024 | Repayment | 251.76 | 249.73 | 2.03 | 0.0 | 0.0 | 0.0 | false | false |
| 01 May 2024 | Accrual | 17.21 | 0.0 | 17.21 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3280
Scenario: UC9 - Multi disbursements, different days, partial refund within first installment period
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "250" EUR transaction amount
When Admin sets the business date to "07 January 2024"
When Admin successfully disburse the loan on "07 January 2024" with "750" EUR transaction amount
When Admin sets the business date to "22 January 2024"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 07 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 22 January 2024 | 749.63 | 250.37 | 4.46 | 0.0 | 0.0 | 254.83 | 254.83 | 254.83 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 500.1 | 249.53 | 5.3 | 0.0 | 0.0 | 254.83 | 247.6 | 247.6 | 0.0 | 7.23 |
| 3 | 31 | 01 April 2024 | | 249.46 | 250.64 | 4.19 | 0.0 | 0.0 | 254.83 | 0.0 | 0.0 | 0.0 | 254.83 |
| 4 | 30 | 01 May 2024 | | 0.0 | 249.46 | 2.02 | 0.0 | 0.0 | 251.48 | 0.0 | 0.0 | 0.0 | 251.48 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 15.97 | 0.0 | 0.0 | 1015.97 | 502.43 | 502.43 | 0.0 | 513.54 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 07 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 22 January 2024 | Merchant Issued Refund | 500.0 | 495.54 | 4.46 | 0.0 | 0.0 | 504.46 | false | false |
| 22 January 2024 | Interest Refund | 2.43 | 2.43 | 0.0 | 0.0 | 0.0 | 502.03 | false | false |
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 7.24 EUR transaction amount
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 254.84 EUR transaction amount
When Admin sets the business date to "01 May 2024"
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 251.46 EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 07 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 22 January 2024 | 749.63 | 250.37 | 4.46 | 0.0 | 0.0 | 254.83 | 254.83 | 254.83 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 500.1 | 249.53 | 5.3 | 0.0 | 0.0 | 254.83 | 254.83 | 247.6 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 April 2024 | 249.46 | 250.64 | 4.19 | 0.0 | 0.0 | 254.83 | 254.83 | 0.01 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 May 2024 | 0.0 | 249.46 | 2.02 | 0.0 | 0.0 | 251.48 | 251.48 | 0.02 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 15.97 | 0.0 | 0.0 | 1015.97 | 1015.97 | 502.46 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 07 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 22 January 2024 | Merchant Issued Refund | 500.0 | 495.54 | 4.46 | 0.0 | 0.0 | 504.46 | false | false |
| 22 January 2024 | Interest Refund | 2.43 | 2.43 | 0.0 | 0.0 | 0.0 | 502.03 | false | false |
| 01 March 2024 | Repayment | 7.24 | 1.94 | 5.3 | 0.0 | 0.0 | 500.09 | false | false |
| 01 April 2024 | Repayment | 254.84 | 250.65 | 4.19 | 0.0 | 0.0 | 249.44 | false | false |
| 01 May 2024 | Repayment | 251.46 | 249.44 | 2.02 | 0.0 | 0.0 | 0.0 | false | false |
| 01 May 2024 | Accrual | 15.97 | 0.0 | 15.97 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3281
Scenario: UC10 - Multi disbursements, different days, partial refund after all installments are paid
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "250" EUR transaction amount
When Admin sets the business date to "07 January 2024"
When Admin successfully disburse the loan on "07 January 2024" with "750" EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 07 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 752.34 | 247.66 | 7.17 | 0.0 | 0.0 | 254.83 | 0.0 | 0.0 | 0.0 | 254.83 |
| 2 | 29 | 01 March 2024 | | 503.41 | 248.93 | 5.9 | 0.0 | 0.0 | 254.83 | 0.0 | 0.0 | 0.0 | 254.83 |
| 3 | 31 | 01 April 2024 | | 252.8 | 250.61 | 4.22 | 0.0 | 0.0 | 254.83 | 0.0 | 0.0 | 0.0 | 254.83 |
| 4 | 30 | 01 May 2024 | | 0.0 | 252.8 | 2.05 | 0.0 | 0.0 | 254.85 | 0.0 | 0.0 | 0.0 | 254.85 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 19.34 | 0.0 | 0.0 | 1019.34 | 0.0 | 0.0 | 0.0 | 1019.34 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 07 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 254.83 EUR transaction amount
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 254.83 EUR transaction amount
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 254.83 EUR transaction amount
When Admin sets the business date to "01 May 2024"
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 254.85 EUR transaction amount
When Admin sets the business date to "10 May 2024"
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "10 May 2024" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 07 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 752.34 | 247.66 | 7.17 | 0.0 | 0.0 | 254.83 | 254.83 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 503.41 | 248.93 | 5.9 | 0.0 | 0.0 | 254.83 | 254.83 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 April 2024 | 252.8 | 250.61 | 4.22 | 0.0 | 0.0 | 254.83 | 254.83 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 May 2024 | 0.0 | 252.8 | 2.05 | 0.0 | 0.0 | 254.85 | 254.85 | 0.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 19.34 | 0.0 | 0.0 | 1019.34 | 1019.34 | 0.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 07 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 254.83 | 247.66 | 7.17 | 0.0 | 0.0 | 752.34 | false | false |
| 01 March 2024 | Repayment | 254.83 | 248.93 | 5.9 | 0.0 | 0.0 | 503.41 | false | false |
| 01 April 2024 | Repayment | 254.83 | 250.61 | 4.22 | 0.0 | 0.0 | 252.8 | false | false |
| 01 May 2024 | Repayment | 254.85 | 252.8 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
| 01 May 2024 | Accrual | 19.34 | 0.0 | 19.34 | 0.0 | 0.0 | 0.0 | false | false |
| 10 May 2024 | Payout Refund | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 10 May 2024 | Interest Refund | 14.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "11 May 2024"
When Admin makes Credit Balance Refund transaction on "11 May 2024" with 514.01 EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 07 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 752.34 | 247.66 | 7.17 | 0.0 | 0.0 | 254.83 | 254.83 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 503.41 | 248.93 | 5.9 | 0.0 | 0.0 | 254.83 | 254.83 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 April 2024 | 252.8 | 250.61 | 4.22 | 0.0 | 0.0 | 254.83 | 254.83 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 May 2024 | 0.0 | 252.8 | 2.05 | 0.0 | 0.0 | 254.85 | 254.85 | 0.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 19.34 | 0.0 | 0.0 | 1019.34 | 1019.34 | 0.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 07 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 254.83 | 247.66 | 7.17 | 0.0 | 0.0 | 752.34 | false | false |
| 01 March 2024 | Repayment | 254.83 | 248.93 | 5.9 | 0.0 | 0.0 | 503.41 | false | false |
| 01 April 2024 | Repayment | 254.83 | 250.61 | 4.22 | 0.0 | 0.0 | 252.8 | false | false |
| 01 May 2024 | Repayment | 254.85 | 252.8 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
| 01 May 2024 | Accrual | 19.34 | 0.0 | 19.34 | 0.0 | 0.0 | 0.0 | false | false |
| 10 May 2024 | Payout Refund | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 10 May 2024 | Interest Refund | 14.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 11 May 2024 | Credit Balance Refund | 514.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3304
Scenario: UC11 - Single disbursement, multiple partial refund within first installment period
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
When Admin sets the business date to "14 January 2024"
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 2 | 29 | 01 March 2024 | | 504.02 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 3 | 31 | 01 April 2024 | | 253.11 | 250.91 | 4.23 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 4 | 30 | 01 May 2024 | | 0.0 | 253.11 | 2.05 | 0.0 | 0.0 | 255.16 | 0.0 | 0.0 | 0.0 | 255.16 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 20.58 | 0.0 | 0.0 | 1020.58 | 0.0 | 0.0 | 0.0 | 1020.58 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "14 January 2024" with 500 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "22 January 2024"
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 14 January 2024 | 748.38 | 251.62 | 3.52 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 499.62 | 248.76 | 6.38 | 0.0 | 0.0 | 255.14 | 246.62 | 246.62 | 0.0 | 8.52 |
| 3 | 31 | 01 April 2024 | | 248.67 | 250.95 | 4.19 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 |
| 4 | 30 | 01 May 2024 | | 0.0 | 248.67 | 2.02 | 0.0 | 0.0 | 250.69 | 0.0 | 0.0 | 0.0 | 250.69 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 16.11 | 0.0 | 0.0 | 1016.11 | 501.76 | 501.76 | 0.0 | 514.35 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 14 January 2024 | Merchant Issued Refund | 500.0 | 496.48 | 3.52 | 0.0 | 0.0 | 503.52 | false | false |
| 14 January 2024 | Interest Refund | 1.76 | 1.76 | 0.0 | 0.0 | 0.0 | 501.76 | false | false |
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 14 January 2024 | 748.38 | 251.62 | 3.52 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 22 January 2024 | 494.32 | 254.06 | 1.08 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 22 January 2024 | 239.18 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | 255.14 | 255.14 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 22 January 2024 | 0.0 | 239.18 | 0.0 | 0.0 | 0.0 | 239.18 | 239.18 | 239.18 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 4.6 | 0.0 | 0.0 | 1004.6 | 1004.6 | 1004.6 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 14 January 2024 | Merchant Issued Refund | 500.0 | 496.48 | 3.52 | 0.0 | 0.0 | 503.52 | false | false |
| 14 January 2024 | Interest Refund | 1.76 | 1.76 | 0.0 | 0.0 | 0.0 | 501.76 | false | false |
| 22 January 2024 | Payout Refund | 500.0 | 498.92 | 1.08 | 0.0 | 0.0 | 2.84 | false | false |
| 22 January 2024 | Interest Refund | 2.84 | 2.84 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 22 January 2024 | Accrual | 4.6 | 0.0 | 4.6 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3305
Scenario: UC12 - Single disbursement, multiple partial refund after first installment period
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 836.9 | 163.1 | 8.39 | 0.0 | 0.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 |
| 2 | 29 | 01 March 2024 | | 671.97 | 164.93 | 6.56 | 0.0 | 0.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 |
| 3 | 31 | 01 April 2024 | | 506.11 | 165.86 | 5.63 | 0.0 | 0.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 |
| 4 | 30 | 01 May 2024 | | 338.73 | 167.38 | 4.11 | 0.0 | 0.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 |
| 5 | 31 | 01 June 2024 | | 170.08 | 168.65 | 2.84 | 0.0 | 0.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 |
| 6 | 30 | 01 July 2024 | | 0.0 | 170.08 | 1.38 | 0.0 | 0.0 | 171.46 | 0.0 | 0.0 | 0.0 | 171.46 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 28.91 | 0.0 | 0.0 | 1028.91 | 0.0 | 0.0 | 0.0 | 1028.91 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 171.49 EUR transaction amount
When Admin sets the business date to "09 February 2024"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "09 February 2024" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 836.9 | 163.1 | 8.39 | 0.0 | 0.0 | 171.49 | 171.49 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 09 February 2024 | 667.22 | 169.68 | 1.81 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 09 February 2024 | 495.73 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | | 331.64 | 164.09 | 7.4 | 0.0 | 0.0 | 171.49 | 162.31 | 162.31 | 0.0 | 9.18 |
| 5 | 31 | 01 June 2024 | | 162.93 | 168.71 | 2.78 | 0.0 | 0.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 |
| 6 | 30 | 01 July 2024 | | 0.0 | 162.93 | 1.32 | 0.0 | 0.0 | 164.25 | 0.0 | 0.0 | 0.0 | 164.25 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 21.7 | 0.0 | 0.0 | 1021.7 | 676.78 | 505.29 | 0.0 | 344.92 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 171.49 | 163.1 | 8.39 | 0.0 | 0.0 | 836.9 | false | false |
| 09 February 2024 | Merchant Issued Refund | 500.0 | 498.19 | 1.81 | 0.0 | 0.0 | 338.71 | false | false |
| 09 February 2024 | Interest Refund | 5.29 | 5.29 | 0.0 | 0.0 | 0.0 | 333.42 | false | false |
When Admin sets the business date to "25 February 2024"
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "25 February 2024" with 250 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 81.24 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 836.9 | 163.1 | 8.39 | 0.0 | 0.0 | 171.49 | 171.49 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 09 February 2024 | 667.22 | 169.68 | 1.81 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 09 February 2024 | 495.73 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 25 February 2024 | 325.68 | 170.05 | 1.44 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 25 February 2024 | 154.19 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 01 March 2024 | 0.0 | 154.19 | 0.11 | 0.0 | 0.0 | 154.3 | 154.3 | 154.3 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 11.75 | 0.0 | 0.0 | 1011.75 | 1011.75 | 840.26 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 171.49 | 163.1 | 8.39 | 0.0 | 0.0 | 836.9 | false | false |
| 09 February 2024 | Merchant Issued Refund | 500.0 | 498.19 | 1.81 | 0.0 | 0.0 | 338.71 | false | false |
| 09 February 2024 | Interest Refund | 5.29 | 5.29 | 0.0 | 0.0 | 0.0 | 333.42 | false | false |
| 25 February 2024 | Payout Refund | 250.0 | 248.56 | 1.44 | 0.0 | 0.0 | 84.86 | false | false |
| 25 February 2024 | Interest Refund | 3.73 | 3.73 | 0.0 | 0.0 | 0.0 | 81.13 | false | false |
| 01 March 2024 | Repayment | 81.24 | 81.13 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Accrual | 11.75 | 0.0 | 11.75 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3306
Scenario: UC13 - Multi disbursements, same days, multiple partial refund within first installment period
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "250" EUR transaction amount
And Admin successfully disburse the loan on "01 January 2024" with "750" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 836.9 | 163.1 | 8.39 | 0.0 | 0.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 |
| 2 | 29 | 01 March 2024 | | 671.97 | 164.93 | 6.56 | 0.0 | 0.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 |
| 3 | 31 | 01 April 2024 | | 506.11 | 165.86 | 5.63 | 0.0 | 0.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 |
| 4 | 30 | 01 May 2024 | | 338.73 | 167.38 | 4.11 | 0.0 | 0.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 |
| 5 | 31 | 01 June 2024 | | 170.08 | 168.65 | 2.84 | 0.0 | 0.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 |
| 6 | 30 | 01 July 2024 | | 0.0 | 170.08 | 1.38 | 0.0 | 0.0 | 171.46 | 0.0 | 0.0 | 0.0 | 171.46 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 28.91 | 0.0 | 0.0 | 1028.91 | 0.0 | 0.0 | 0.0 | 1028.91 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 01 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "22 January 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 22 January 2024 | 834.19 | 165.81 | 5.68 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 22 January 2024 | 662.7 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 500.73 | 161.97 | 9.52 | 0.0 | 0.0 | 171.49 | 159.86 | 159.86 | 0.0 | 11.63 |
| 4 | 30 | 01 May 2024 | | 333.3 | 167.43 | 4.06 | 0.0 | 0.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 |
| 5 | 31 | 01 June 2024 | | 164.6 | 168.7 | 2.79 | 0.0 | 0.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 |
| 6 | 30 | 01 July 2024 | | 0.0 | 164.6 | 1.34 | 0.0 | 0.0 | 165.94 | 0.0 | 0.0 | 0.0 | 165.94 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 23.39 | 0.0 | 0.0 | 1023.39 | 502.84 | 502.84 | 0.0 | 520.55 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 01 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 22 January 2024 | Merchant Issued Refund | 500.0 | 494.32 | 5.68 | 0.0 | 0.0 | 505.68 | false | false |
| 22 January 2024 | Interest Refund | 2.84 | 2.84 | 0.0 | 0.0 | 0.0 | 502.84 | false | false |
When Admin sets the business date to "26 January 2024"
And Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "26 January 2024" with 400 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 100.85 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 22 January 2024 | 834.19 | 165.81 | 5.68 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 22 January 2024 | 662.7 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 26 January 2024 | 491.75 | 170.95 | 0.54 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 26 January 2024 | 320.26 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 26 January 2024 | 148.77 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 01 February 2024 | 0.0 | 148.77 | 0.17 | 0.0 | 0.0 | 148.94 | 148.94 | 148.94 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 6.39 | 0.0 | 0.0 | 1006.39 | 1006.39 | 1006.39 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 01 January 2024 | Disbursement | 750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 22 January 2024 | Merchant Issued Refund | 500.0 | 494.32 | 5.68 | 0.0 | 0.0 | 505.68 | false | false |
| 22 January 2024 | Interest Refund | 2.84 | 2.84 | 0.0 | 0.0 | 0.0 | 502.84 | false | false |
| 26 January 2024 | Payout Refund | 400.0 | 399.46 | 0.54 | 0.0 | 0.0 | 103.38 | false | false |
| 26 January 2024 | Interest Refund | 2.7 | 2.7 | 0.0 | 0.0 | 0.0 | 100.68 | false | false |
| 01 February 2024 | Repayment | 100.85 | 100.68 | 0.17 | 0.0 | 0.0 | 0.0 | false | false |
| 01 February 2024 | Accrual | 6.39 | 0.0 | 6.39 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3307
Scenario: UC14 - Multi disbursements, different days, multiple partial refunds within first installment period
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "250" EUR transaction amount
And Admin successfully disburse the loan on "01 January 2024" with "250" EUR transaction amount
When Admin sets the business date to "05 January 2024"
And Admin successfully disburse the loan on "05 January 2024" with "500" EUR transaction amount
When Admin sets the business date to "22 January 2024"
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 05 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 836.45 | 163.55 | 7.84 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 2 | 29 | 01 March 2024 | | 671.62 | 164.83 | 6.56 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 3 | 31 | 01 April 2024 | | 505.86 | 165.76 | 5.63 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 4 | 30 | 01 May 2024 | | 338.57 | 167.29 | 4.1 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 5 | 31 | 01 June 2024 | | 170.02 | 168.55 | 2.84 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 6 | 30 | 01 July 2024 | | 0.0 | 170.02 | 1.38 | 0.0 | 0.0 | 171.4 | 0.0 | 0.0 | 0.0 | 171.4 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 28.35 | 0.0 | 0.0 | 1028.35 | 0.0 | 0.0 | 0.0 | 1028.35 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 05 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
And Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 250 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "26 January 2024"
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 05 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 22 January 2024 | 833.75 | 166.25 | 5.14 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 670.31 | 163.44 | 7.95 | 0.0 | 0.0 | 171.39 | 80.03 | 80.03 | 0.0 | 91.36 |
| 3 | 31 | 01 April 2024 | | 504.54 | 165.77 | 5.62 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 4 | 30 | 01 May 2024 | | 337.24 | 167.3 | 4.09 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 5 | 31 | 01 June 2024 | | 168.68 | 168.56 | 2.83 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 6 | 30 | 01 July 2024 | | 0.0 | 168.68 | 1.37 | 0.0 | 0.0 | 170.05 | 0.0 | 0.0 | 0.0 | 170.05 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 27.0 | 0.0 | 0.0 | 1027.0 | 251.42 | 251.42 | 0.0 | 775.58 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 05 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 22 January 2024 | Payout Refund | 250.0 | 244.86 | 5.14 | 0.0 | 0.0 | 755.14 | false | false |
| 22 January 2024 | Interest Refund | 1.42 | 1.42 | 0.0 | 0.0 | 0.0 | 753.72 | false | false |
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "26 January 2024" with 400 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "01 February 2024"
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 05 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 22 January 2024 | 833.75 | 166.25 | 5.14 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 26 January 2024 | 663.17 | 170.58 | 0.81 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 26 January 2024 | 491.78 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | | 329.54 | 162.24 | 9.15 | 0.0 | 0.0 | 171.39 | 139.79 | 139.79 | 0.0 | 31.6 |
| 5 | 31 | 01 June 2024 | | 160.91 | 168.63 | 2.76 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 6 | 30 | 01 July 2024 | | 0.0 | 160.91 | 1.31 | 0.0 | 0.0 | 162.22 | 0.0 | 0.0 | 0.0 | 162.22 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 19.17 | 0.0 | 0.0 | 1019.17 | 653.96 | 653.96 | 0.0 | 365.21 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 05 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 22 January 2024 | Payout Refund | 250.0 | 244.86 | 5.14 | 0.0 | 0.0 | 755.14 | false | false |
| 22 January 2024 | Interest Refund | 1.42 | 1.42 | 0.0 | 0.0 | 0.0 | 753.72 | false | false |
| 26 January 2024 | Merchant Issued Refund | 400.0 | 399.19 | 0.81 | 0.0 | 0.0 | 354.53 | false | false |
| 26 January 2024 | Interest Refund | 2.54 | 2.54 | 0.0 | 0.0 | 0.0 | 351.99 | false | false |
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 31.60 EUR transaction amount
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 171.39 EUR transaction amount
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 153.38 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 05 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 22 January 2024 | 833.75 | 166.25 | 5.14 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 26 January 2024 | 663.17 | 170.58 | 0.81 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 26 January 2024 | 491.78 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 February 2024 | 320.97 | 170.81 | 0.58 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 01 March 2024 | 152.1 | 168.87 | 2.52 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 01 April 2024 | 0.0 | 152.1 | 1.28 | 0.0 | 0.0 | 153.38 | 153.38 | 153.38 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 10.33 | 0.0 | 0.0 | 1010.33 | 1010.33 | 1010.33 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
| 01 January 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 05 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 22 January 2024 | Payout Refund | 250.0 | 244.86 | 5.14 | 0.0 | 0.0 | 755.14 | false | false |
| 22 January 2024 | Interest Refund | 1.42 | 1.42 | 0.0 | 0.0 | 0.0 | 753.72 | false | false |
| 26 January 2024 | Merchant Issued Refund | 400.0 | 399.19 | 0.81 | 0.0 | 0.0 | 354.53 | false | false |
| 26 January 2024 | Interest Refund | 2.54 | 2.54 | 0.0 | 0.0 | 0.0 | 351.99 | false | false |
| 01 February 2024 | Repayment | 31.6 | 31.02 | 0.58 | 0.0 | 0.0 | 320.97 | false | false |
| 01 March 2024 | Repayment | 171.39 | 168.87 | 2.52 | 0.0 | 0.0 | 152.1 | false | false |
| 01 April 2024 | Repayment | 153.38 | 152.1 | 1.28 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual | 10.33 | 0.0 | 10.33 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3308
Scenario: UC15 - Multi disbursements, different days, multiple partial refunds after first installment period
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
When Admin sets the business date to "05 January 2024"
And Admin successfully disburse the loan on "05 January 2024" with "500" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 836.45 | 163.55 | 7.84 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 2 | 29 | 01 March 2024 | | 671.62 | 164.83 | 6.56 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 3 | 31 | 01 April 2024 | | 505.86 | 165.76 | 5.63 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 4 | 30 | 01 May 2024 | | 338.57 | 167.29 | 4.1 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 5 | 31 | 01 June 2024 | | 170.02 | 168.55 | 2.84 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 6 | 30 | 01 July 2024 | | 0.0 | 170.02 | 1.38 | 0.0 | 0.0 | 171.4 | 0.0 | 0.0 | 0.0 | 171.4 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 28.35 | 0.0 | 0.0 | 1028.35 | 0.0 | 0.0 | 0.0 | 1028.35 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 05 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 171.39 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 836.45 | 163.55 | 7.84 | 0.0 | 0.0 | 171.39 | 171.39 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 671.62 | 164.83 | 6.56 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 3 | 31 | 01 April 2024 | | 505.86 | 165.76 | 5.63 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 4 | 30 | 01 May 2024 | | 338.57 | 167.29 | 4.1 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 5 | 31 | 01 June 2024 | | 170.02 | 168.55 | 2.84 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 6 | 30 | 01 July 2024 | | 0.0 | 170.02 | 1.38 | 0.0 | 0.0 | 171.4 | 0.0 | 0.0 | 0.0 | 171.4 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 28.35 | 0.0 | 0.0 | 1028.35 | 171.39 | 0.0 | 0.0 | 856.96 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 05 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 171.39 | 163.55 | 7.84 | 0.0 | 0.0 | 836.45 | false | false |
When Admin sets the business date to "13 February 2024"
And Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "13 February 2024" with 250 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 836.45 | 163.55 | 7.84 | 0.0 | 0.0 | 171.39 | 171.39 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 13 February 2024 | 667.78 | 168.67 | 2.72 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 504.0 | 163.78 | 7.61 | 0.0 | 0.0 | 171.39 | 81.52 | 81.52 | 0.0 | 89.87 |
| 4 | 30 | 01 May 2024 | | 336.7 | 167.3 | 4.09 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 5 | 31 | 01 June 2024 | | 168.13 | 168.57 | 2.82 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 6 | 30 | 01 July 2024 | | 0.0 | 168.13 | 1.36 | 0.0 | 0.0 | 169.49 | 0.0 | 0.0 | 0.0 | 169.49 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 26.44 | 0.0 | 0.0 | 1026.44 | 424.3 | 252.91 | 0.0 | 602.14 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 05 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 171.39 | 163.55 | 7.84 | 0.0 | 0.0 | 836.45 | false | false |
| 13 February 2024 | Payout Refund | 250.0 | 247.28 | 2.72 | 0.0 | 0.0 | 589.17 | false | false |
| 13 February 2024 | Interest Refund | 2.91 | 2.91 | 0.0 | 0.0 | 0.0 | 586.26 | false | false |
When Admin sets the business date to "24 February 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "24 February 2024" with 400 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 836.45 | 163.55 | 7.84 | 0.0 | 0.0 | 171.39 | 171.39 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 13 February 2024 | 667.78 | 168.67 | 2.72 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 24 February 2024 | 498.13 | 169.65 | 1.74 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 24 February 2024 | 326.74 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | | 160.19 | 166.55 | 4.84 | 0.0 | 0.0 | 171.39 | 144.44 | 144.44 | 0.0 | 26.95 |
| 6 | 30 | 01 July 2024 | | 0.0 | 160.19 | 1.3 | 0.0 | 0.0 | 161.49 | 0.0 | 0.0 | 0.0 | 161.49 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 18.44 | 0.0 | 0.0 | 1018.44 | 830.0 | 658.61 | 0.0 | 188.44 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 05 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 171.39 | 163.55 | 7.84 | 0.0 | 0.0 | 836.45 | false | false |
| 13 February 2024 | Payout Refund | 250.0 | 247.28 | 2.72 | 0.0 | 0.0 | 589.17 | false | false |
| 13 February 2024 | Interest Refund | 2.91 | 2.91 | 0.0 | 0.0 | 0.0 | 586.26 | false | false |
| 24 February 2024 | Merchant Issued Refund | 400.0 | 398.26 | 1.74 | 0.0 | 0.0 | 188.0 | false | false |
| 24 February 2024 | Interest Refund | 5.7 | 5.7 | 0.0 | 0.0 | 0.0 | 182.3 | false | false |
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 26.95 EUR transaction amount
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 156.96 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 836.45 | 163.55 | 7.84 | 0.0 | 0.0 | 171.39 | 171.39 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 13 February 2024 | 667.78 | 168.67 | 2.72 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 24 February 2024 | 498.13 | 169.65 | 1.74 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 24 February 2024 | 326.74 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 01 March 2024 | 155.65 | 171.09 | 0.3 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 01 April 2024 | 0.0 | 155.65 | 1.31 | 0.0 | 0.0 | 156.96 | 156.96 | 156.96 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 13.91 | 0.0 | 0.0 | 1013.91 | 1013.91 | 842.52 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 05 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 171.39 | 163.55 | 7.84 | 0.0 | 0.0 | 836.45 | false | false |
| 13 February 2024 | Payout Refund | 250.0 | 247.28 | 2.72 | 0.0 | 0.0 | 589.17 | false | false |
| 13 February 2024 | Interest Refund | 2.91 | 2.91 | 0.0 | 0.0 | 0.0 | 586.26 | false | false |
| 24 February 2024 | Merchant Issued Refund | 400.0 | 398.26 | 1.74 | 0.0 | 0.0 | 188.0 | false | false |
| 24 February 2024 | Interest Refund | 5.7 | 5.7 | 0.0 | 0.0 | 0.0 | 182.3 | false | false |
| 01 March 2024 | Repayment | 26.95 | 26.65 | 0.3 | 0.0 | 0.0 | 155.65 | false | false |
| 01 April 2024 | Repayment | 156.96 | 155.65 | 1.31 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2024 | Accrual | 13.91 | 0.0 | 13.91 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3309
Scenario: UC16 - Multi disbursements, different days, multiple partial refunds crossing multiple installment periods
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
When Admin sets the business date to "05 January 2024"
And Admin successfully disburse the loan on "05 January 2024" with "500" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 05 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 836.45 | 163.55 | 7.84 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 2 | 29 | 01 March 2024 | | 671.62 | 164.83 | 6.56 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 3 | 31 | 01 April 2024 | | 505.86 | 165.76 | 5.63 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 4 | 30 | 01 May 2024 | | 338.57 | 167.29 | 4.1 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 5 | 31 | 01 June 2024 | | 170.02 | 168.55 | 2.84 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 6 | 30 | 01 July 2024 | | 0.0 | 170.02 | 1.38 | 0.0 | 0.0 | 171.4 | 0.0 | 0.0 | 0.0 | 171.4 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 28.35 | 0.0 | 0.0 | 1028.35 | 0.0 | 0.0 | 0.0 | 1028.35 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 05 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 171.39 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 05 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 836.45 | 163.55 | 7.84 | 0.0 | 0.0 | 171.39 | 171.39 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 671.62 | 164.83 | 6.56 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 3 | 31 | 01 April 2024 | | 505.86 | 165.76 | 5.63 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 4 | 30 | 01 May 2024 | | 338.57 | 167.29 | 4.1 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 5 | 31 | 01 June 2024 | | 170.02 | 168.55 | 2.84 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 6 | 30 | 01 July 2024 | | 0.0 | 170.02 | 1.38 | 0.0 | 0.0 | 171.4 | 0.0 | 0.0 | 0.0 | 171.4 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 28.35 | 0.0 | 0.0 | 1028.35 | 171.39 | 0.0 | 0.0 | 856.96 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 05 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 171.39 | 163.55 | 7.84 | 0.0 | 0.0 | 836.45 | false | false |
When Admin sets the business date to "13 February 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "13 February 2024" with 400 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 05 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 836.45 | 163.55 | 7.84 | 0.0 | 0.0 | 171.39 | 171.39 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 13 February 2024 | 667.78 | 168.67 | 2.72 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 13 February 2024 | 496.39 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | | 334.16 | 162.23 | 9.16 | 0.0 | 0.0 | 171.39 | 61.88 | 61.88 | 0.0 | 109.51 |
| 5 | 31 | 01 June 2024 | | 165.57 | 168.59 | 2.8 | 0.0 | 0.0 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 |
| 6 | 30 | 01 July 2024 | | 0.0 | 165.57 | 1.34 | 0.0 | 0.0 | 166.91 | 0.0 | 0.0 | 0.0 | 166.91 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 23.86 | 0.0 | 0.0 | 1023.86 | 576.05 | 404.66 | 0.0 | 447.81 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 05 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 171.39 | 163.55 | 7.84 | 0.0 | 0.0 | 836.45 | false | false |
| 13 February 2024 | Merchant Issued Refund | 400.0 | 397.28 | 2.72 | 0.0 | 0.0 | 439.17 | false | false |
| 13 February 2024 | Interest Refund | 4.66 | 4.66 | 0.0 | 0.0 | 0.0 | 434.51 | false | false |
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 109.62 EUR transaction amount
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 171.39 EUR transaction amount
When Admin sets the business date to "06 April 2024"
And Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "06 April 2024" with 400 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 05 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 836.45 | 163.55 | 7.84 | 0.0 | 0.0 | 171.39 | 171.39 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 13 February 2024 | 667.78 | 168.67 | 2.72 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 13 February 2024 | 496.39 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 March 2024 | 326.99 | 169.4 | 1.99 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 01 April 2024 | 158.34 | 168.65 | 2.74 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 06 April 2024 | 0.0 | 158.34 | 0.21 | 0.0 | 0.0 | 158.55 | 158.55 | 158.55 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 15.5 | 0.0 | 0.0 | 1015.5 | 1015.5 | 844.11 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 05 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 171.39 | 163.55 | 7.84 | 0.0 | 0.0 | 836.45 | false | false |
| 13 February 2024 | Merchant Issued Refund | 400.0 | 397.28 | 2.72 | 0.0 | 0.0 | 439.17 | false | false |
| 13 February 2024 | Interest Refund | 4.66 | 4.66 | 0.0 | 0.0 | 0.0 | 434.51 | false | false |
| 01 March 2024 | Repayment | 109.62 | 107.63 | 1.99 | 0.0 | 0.0 | 326.88 | false | false |
| 01 April 2024 | Repayment | 171.39 | 168.65 | 2.74 | 0.0 | 0.0 | 158.23 | false | false |
| 06 April 2024 | Payout Refund | 400.0 | 158.23 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2024 | Interest Refund | 9.14 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2024 | Accrual | 15.5 | 0.0 | 15.5 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "07 April 2024"
When Admin makes Credit Balance Refund transaction on "07 April 2024" with 250.7 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 05 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 836.45 | 163.55 | 7.84 | 0.0 | 0.0 | 171.39 | 171.39 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 13 February 2024 | 667.78 | 168.67 | 2.72 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 13 February 2024 | 496.39 | 171.39 | 0.0 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 March 2024 | 326.99 | 169.4 | 1.99 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 01 April 2024 | 158.34 | 168.65 | 2.74 | 0.0 | 0.0 | 171.39 | 171.39 | 171.39 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 06 April 2024 | 0.0 | 158.34 | 0.21 | 0.0 | 0.0 | 158.55 | 158.55 | 158.55 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 15.5 | 0.0 | 0.0 | 1015.5 | 1015.5 | 844.11 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 05 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 February 2024 | Repayment | 171.39 | 163.55 | 7.84 | 0.0 | 0.0 | 836.45 | false | false |
| 13 February 2024 | Merchant Issued Refund | 400.0 | 397.28 | 2.72 | 0.0 | 0.0 | 439.17 | false | false |
| 13 February 2024 | Interest Refund | 4.66 | 4.66 | 0.0 | 0.0 | 0.0 | 434.51 | false | false |
| 01 March 2024 | Repayment | 109.62 | 107.63 | 1.99 | 0.0 | 0.0 | 326.88 | false | false |
| 01 April 2024 | Repayment | 171.39 | 168.65 | 2.74 | 0.0 | 0.0 | 158.23 | false | false |
| 06 April 2024 | Payout Refund | 400.0 | 158.23 | 0.21 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2024 | Interest Refund | 9.14 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 April 2024 | Accrual | 15.5 | 0.0 | 15.5 | 0.0 | 0.0 | 0.0 | false | false |
| 07 April 2024 | Credit Balance Refund | 250.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3310
Scenario: UC17 - Single disbursement, multiple partial refund within first installment period, one time payment prior to refund
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
When Admin sets the business date to "12 January 2024"
And Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "12 January 2024" with 400 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 12 January 2024 | 831.49 | 168.51 | 2.98 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 12 January 2024 | 660.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 501.53 | 158.47 | 13.02 | 0.0 | 0.0 | 171.49 | 58.21 | 58.21 | 0.0 | 113.28 |
| 4 | 30 | 01 May 2024 | | 334.11 | 167.42 | 4.07 | 0.0 | 0.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 |
| 5 | 31 | 01 June 2024 | | 165.42 | 168.69 | 2.8 | 0.0 | 0.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 |
| 6 | 30 | 01 July 2024 | | 0.0 | 165.42 | 1.34 | 0.0 | 0.0 | 166.76 | 0.0 | 0.0 | 0.0 | 166.76 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 24.21 | 0.0 | 0.0 | 1024.21 | 401.19 | 401.19 | 0.0 | 623.02 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 12 January 2024 | Payout Refund | 400.0 | 397.02 | 2.98 | 0.0 | 0.0 | 602.98 | false | false |
| 12 January 2024 | Interest Refund | 1.19 | 1.19 | 0.0 | 0.0 | 0.0 | 601.79 | false | false |
When Admin sets the business date to "17 January 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "17 January 2024" with 150 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 12 January 2024 | 831.49 | 168.51 | 2.98 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 12 January 2024 | 660.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 17 January 2024 | 489.32 | 170.68 | 0.81 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | | 330.67 | 158.65 | 12.84 | 0.0 | 0.0 | 171.49 | 37.37 | 37.37 | 0.0 | 134.12 |
| 5 | 31 | 01 June 2024 | | 161.95 | 168.72 | 2.77 | 0.0 | 0.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 |
| 6 | 30 | 01 July 2024 | | 0.0 | 161.95 | 1.31 | 0.0 | 0.0 | 163.26 | 0.0 | 0.0 | 0.0 | 163.26 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 20.71 | 0.0 | 0.0 | 1020.71 | 551.84 | 551.84 | 0.0 | 468.87 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 12 January 2024 | Payout Refund | 400.0 | 397.02 | 2.98 | 0.0 | 0.0 | 602.98 | false | false |
| 12 January 2024 | Interest Refund | 1.19 | 1.19 | 0.0 | 0.0 | 0.0 | 601.79 | false | false |
| 17 January 2024 | Merchant Issued Refund | 150.0 | 149.19 | 0.81 | 0.0 | 0.0 | 452.6 | false | false |
| 17 January 2024 | Interest Refund | 0.65 | 0.65 | 0.0 | 0.0 | 0.0 | 451.95 | false | false |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 134.11 EUR transaction amount
When Admin sets the business date to "08 February 2024"
And Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "01 February 2024" with 250 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 12 January 2024 | 831.49 | 168.51 | 2.98 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 12 January 2024 | 660.0 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 17 January 2024 | 489.32 | 170.68 | 0.81 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 February 2024 | 319.66 | 169.66 | 1.83 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 01 February 2024 | 148.17 | 171.49 | 0.0 | 0.0 | 0.0 | 171.49 | 171.49 | 171.49 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | | 0.0 | 148.17 | 2.77 | 0.0 | 0.0 | 150.94 | 80.6 | 80.6 | 0.0 | 70.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 8.39 | 0.0 | 0.0 | 1008.39 | 938.05 | 938.05 | 0.0 | 70.34 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 12 January 2024 | Payout Refund | 400.0 | 397.02 | 2.98 | 0.0 | 0.0 | 602.98 | false | false |
| 12 January 2024 | Interest Refund | 1.19 | 1.19 | 0.0 | 0.0 | 0.0 | 601.79 | false | false |
| 17 January 2024 | Merchant Issued Refund | 150.0 | 149.19 | 0.81 | 0.0 | 0.0 | 452.6 | false | false |
| 17 January 2024 | Interest Refund | 0.65 | 0.65 | 0.0 | 0.0 | 0.0 | 451.95 | false | false |
| 01 February 2024 | Repayment | 134.11 | 132.29 | 1.82 | 0.0 | 0.0 | 319.66 | false | false |
| 01 February 2024 | Payout Refund | 250.0 | 249.99 | 0.01 | 0.0 | 0.0 | 69.67 | false | false |
| 01 February 2024 | Interest Refund | 2.1 | 2.1 | 0.0 | 0.0 | 0.0 | 67.57 | false | false |
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 68.1 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3288
Scenario: Verify the recalculated EMI after interest rate change on the repayment schedule
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
When Admin sets the business date to "15 January 2024"
When Admin runs inline COB job for Loan
When Admin sets the business date to "01 February 2024"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 33.91 EUR transaction amount
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 02 February 2024 | 01 February 2024 | | | | | 4 |
When Admin runs inline COB job for Loan
When Admin sets the business date to "02 February 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 66.56 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 16.9 | 16.9 | 0.0 | 0.11 |
| 3 | 31 | 01 April 2024 | | 50.17 | 16.39 | 0.44 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 |
| 4 | 30 | 01 May 2024 | | 33.51 | 16.66 | 0.17 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 |
| 5 | 31 | 01 June 2024 | | 16.79 | 16.72 | 0.11 | 0.0 | 0.0 | 16.83 | 0.0 | 0.0 | 0.0 | 16.83 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.79 | 0.06 | 0.0 | 0.0 | 16.85 | 0.0 | 0.0 | 0.0 | 16.85 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.36 | 0.0 | 0.0 | 101.36 | 33.91 | 16.9 | 0.0 | 67.45 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 01 February 2024 | Repayment | 33.91 | 33.33 | 0.58 | 0.0 | 0.0 | 66.67 | false | false |
| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3289
Scenario: Verify Interest recalculation - EARLY repayment, adjust LAST installment - UC1: 360/30, early repayment with amount less then emi amount
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "LAST_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- Early repayment with 15 EUR on 15 Jan ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 15 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.53 | 16.47 | 0.54 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 66.92 | 16.61 | 0.4 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.21 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.41 | 16.8 | 0.21 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.51 | 16.9 | 0.11 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.51 | 0.01 | 0.0 | 0.0 | 16.52 | 15.0 | 15.0 | 0.0 | 1.52 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.57 | 0.0 | 0.0 | 101.57 | 15 | 15 | 0.0 | 86.57 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 85.0 | false | false |
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C3290
Scenario: Verify Interest recalculation - EARLY repayment, adjust LAST installment - UC2: 360/30, early repayment emi amount paid
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "LAST_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- Early repayment with 17.01 EUR on 15 Jan ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.01 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.52 | 16.48 | 0.53 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 66.9 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.18 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.36 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 17.01 | 16.35 | 0.1 | 0.0 | 0.0 | 16.45 | 0.0 | 0.0 | 0.0 | 16.45 |
| 6 | 30 | 01 July 2024 | 15 January 2024 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.5 | 0.0 | 0.0 | 101.5 | 17.01 | 17.01 | 0.0 | 84.49 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 82.99 | false | false |
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C3291
Scenario: Verify Interest recalculation - EARLY repayment, adjust LAST installment - UC3: 360/30, early repayment with excess emi amount paid
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "LAST_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- Early repayment with 34.02 EUR on 15 Jan ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 34.02 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.46 | 16.54 | 0.47 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 66.74 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 49.92 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 34.02 | 15.9 | 0.09 | 0.0 | 0.0 | 15.99 | 0.0 | 0.0 | 0.0 | 15.99 |
| 5 | 31 | 01 June 2024 | 15 January 2024 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 15 January 2024 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.04 | 0.0 | 0.0 | 101.04 | 34.02 | 34.02 | 0.0 | 67.02 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 34.02 | 34.02 | 0.0 | 0.0 | 0.0 | 65.98 | false | false |
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C3292
Scenario: Verify Interest recalculation - EARLY repayment, adjust LAST installment - UC4: 360/30, pre-closure after early payment
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "LAST_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- Early repayment with 17.01 EUR on 15 Jan ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.01 EUR transaction amount
When Admin runs inline COB job for Loan
# --- schedule allocation before pre-closure ---
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.52 | 16.48 | 0.53 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 66.9 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.18 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.36 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 17.01 | 16.35 | 0.1 | 0.0 | 0.0 | 16.45 | 0.0 | 0.0 | 0.0 | 16.45 |
| 6 | 30 | 01 July 2024 | 15 January 2024 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.5 | 0.0 | 0.0 | 101.5 | 17.01 | 17.01 | 0.0 | 84.49 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 82.99 | false | false |
# --- Early repayment with 83.07 EUR on 20 Jan ---
When Admin sets the business date to "20 January 2024"
And Customer makes "AUTOPAY" repayment on "20 January 2024" with 83.33 EUR transaction amount
When Admin runs inline COB job for Loan
# --- schedule allocation after pre-closure ---
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 20 January 2024 | 85.05 | 14.95 | 0.34 | 0.0 | 0.0 | 15.29 | 15.29 | 15.29 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 20 January 2024 | 68.04 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 20 January 2024 | 51.03 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 20 January 2024 | 34.02 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 20 January 2024 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 15 January 2024 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.34 | 0.0 | 0.0 | 100.34 | 100.34 | 100.34 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 82.99 | false | false |
| 20 January 2024 | Repayment | 83.33 | 82.99 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
| 20 January 2024 | Accrual | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C3312
Scenario: Verify Interest recalculation - EARLY repayment, adjust LAST installment - UC5: 360/30, interest modification after early payment
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "LAST_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- Early repayment with 17.01 EUR on 15 Jan ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.01 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.52 | 16.48 | 0.53 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 66.9 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.18 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.36 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 17.01 | 16.35 | 0.1 | 0.0 | 0.0 | 16.45 | 0.0 | 0.0 | 0.0 | 16.45 |
| 6 | 30 | 01 July 2024 | 15 January 2024 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.5 | 0.0 | 0.0 | 101.5 | 17.01 | 17.01 | 0.0 | 84.49 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 82.99 | false | false |
# --- interest change to 0.04(4%) on 20 Jan ---
When Admin sets the business date to "20 January 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 21 January 2024 | 20 January 2024 | | | | | 4 |
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.65 | 16.35 | 0.45 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 2 | 29 | 01 March 2024 | | 67.07 | 16.58 | 0.22 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 3 | 31 | 01 April 2024 | | 50.44 | 16.63 | 0.17 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 4 | 30 | 01 May 2024 | | 33.75 | 16.69 | 0.11 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 5 | 31 | 01 June 2024 | | 17.01 | 16.74 | 0.06 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 6 | 30 | 01 July 2024 | 15 January 2024 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.01 | 0.0 | 0.0 | 101.01 | 17.01 | 17.01 | 0.0 | 84.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 82.99 | false | false |
| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 17 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C3297
Scenario: Verify the Loan reschedule - Interest modification - UC1: Interest modification after early payment with Adjustment to NEXT installment
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- 1st installment paid on due date ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 January 2024 | 83.25 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.0 | 16.25 | 0.76 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 17.01 | 17.01 | 0.0 | 84.99 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 16.75 | 0.26 | 0.0 | 0.0 | 83.25 | false | false |
# --- Loan reschedule: Interest rate modification between two installments ---
When Admin sets the business date to "19 January 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 20 January 2024 | 19 January 2024 | | | | | 4 |
When Admin runs inline COB job for Loan
When Admin sets the business date to "20 January 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 January 2024 | 83.25 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 66.86 | 16.39 | 0.46 | 0.0 | 0.0 | 16.85 | 0.0 | 0.0 | 0.0 | 16.85 |
| 3 | 31 | 01 April 2024 | | 50.23 | 16.63 | 0.22 | 0.0 | 0.0 | 16.85 | 0.0 | 0.0 | 0.0 | 16.85 |
| 4 | 30 | 01 May 2024 | | 33.55 | 16.68 | 0.17 | 0.0 | 0.0 | 16.85 | 0.0 | 0.0 | 0.0 | 16.85 |
| 5 | 31 | 01 June 2024 | | 16.81 | 16.74 | 0.11 | 0.0 | 0.0 | 16.85 | 0.0 | 0.0 | 0.0 | 16.85 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.81 | 0.06 | 0.0 | 0.0 | 16.87 | 0.0 | 0.0 | 0.0 | 16.87 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.28 | 0.0 | 0.0 | 101.28 | 17.01 | 17.01 | 0.0 | 84.27 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 16.75 | 0.26 | 0.0 | 0.0 | 83.25 | false | false |
| 18 January 2024 | Accrual | 0.31 | 0.0 | 0.31 | 0.0 | 0.0 | 0.0 | false | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3298
Scenario: Verify the Loan reschedule - Interest modification - UC2: Interest modification after early partial payment with Adjustment to NEXT installment
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- 1st installment paid on due date ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.0 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.24 | 16.76 | 0.25 | 0.0 | 0.0 | 17.01 | 17.0 | 17.0 | 0.0 | 0.01 |
| 2 | 29 | 01 March 2024 | | 67.0 | 16.24 | 0.77 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 17.0 | 17.0 | 0.0 | 85.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.0 | 16.75 | 0.25 | 0.0 | 0.0 | 83.25 | false | false |
# --- Loan reschedule: Interest rate modification between two installments ---
When Admin sets the business date to "19 January 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 20 January 2024 | 19 January 2024 | | | | | 4 |
When Admin runs inline COB job for Loan
When Admin sets the business date to "20 January 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.24 | 16.76 | 0.25 | 0.0 | 0.0 | 17.01 | 17.0 | 17.0 | 0.0 | 0.01 |
| 2 | 29 | 01 March 2024 | | 66.86 | 16.38 | 0.47 | 0.0 | 0.0 | 16.85 | 0.0 | 0.0 | 0.0 | 16.85 |
| 3 | 31 | 01 April 2024 | | 50.23 | 16.63 | 0.22 | 0.0 | 0.0 | 16.85 | 0.0 | 0.0 | 0.0 | 16.85 |
| 4 | 30 | 01 May 2024 | | 33.55 | 16.68 | 0.17 | 0.0 | 0.0 | 16.85 | 0.0 | 0.0 | 0.0 | 16.85 |
| 5 | 31 | 01 June 2024 | | 16.81 | 16.74 | 0.11 | 0.0 | 0.0 | 16.85 | 0.0 | 0.0 | 0.0 | 16.85 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.81 | 0.06 | 0.0 | 0.0 | 16.87 | 0.0 | 0.0 | 0.0 | 16.87 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.28 | 0.0 | 0.0 | 101.28 | 17.0 | 17.0 | 0.0 | 84.28 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.0 | 16.75 | 0.25 | 0.0 | 0.0 | 83.25 | false | false |
| 18 January 2024 | Accrual | 0.31 | 0.0 | 0.31 | 0.0 | 0.0 | 0.0 | false | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3311
Scenario: Verify the Loan reschedule - Interest modification - UC2: Interest modification after early partial payment with Adjustment to LAST installment
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "LAST_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- 1st installment paid on due date ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.52 | 16.48 | 0.53 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 66.9 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.18 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.36 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 17.01 | 16.35 | 0.1 | 0.0 | 0.0 | 16.45 | 0.0 | 0.0 | 0.0 | 16.45 |
| 6 | 30 | 01 July 2024 | 15 January 2024 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.5 | 0.0 | 0.0 | 101.5 | 17.01 | 17.01 | 0.0 | 84.49 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 82.99 | false | false |
# --- Loan reschedule: Interest rate modification between two installments ---
When Admin sets the business date to "19 January 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 20 January 2024 | 19 January 2024 | | | | | 4 |
When Admin runs inline COB job for Loan
When Admin sets the business date to "20 January 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.64 | 16.36 | 0.44 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 2 | 29 | 01 March 2024 | | 67.06 | 16.58 | 0.22 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.63 | 0.17 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 4 | 30 | 01 May 2024 | | 33.74 | 16.69 | 0.11 | 0.0 | 0.0 | 16.8 | 0.0 | 0.0 | 0.0 | 16.8 |
| 5 | 31 | 01 June 2024 | | 17.01 | 16.73 | 0.06 | 0.0 | 0.0 | 16.79 | 0.0 | 0.0 | 0.0 | 16.79 |
| 6 | 30 | 01 July 2024 | 15 January 2024 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.0 | 0.0 | 0.0 | 101.0 | 17.01 | 17.01 | 0.0 | 83.99 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 82.99 | false | false |
| 18 January 2024 | Accrual | 0.31 | 0.0 | 0.31 | 0.0 | 0.0 | 0.0 | false | false |
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C3299
Scenario: Verify the Loan reschedule - Interest modification - UC2: Interest modification after first installment with Adjustment to NEXT installment
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# --- 1st installment paid on due date ---
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 January 2024 | 83.25 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.0 | 16.25 | 0.76 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.0 | 0.0 | 0.0 | 102.0 | 17.01 | 17.01 | 0.0 | 84.99 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 16.75 | 0.26 | 0.0 | 0.0 | 83.25 | false | false |
# --- Loan reschedule: Interest rate modification on Feb 15 ---
When Admin sets the business date to "15 February 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 16 February 2024 | 15 February 2024 | | | | | 4 |
When Admin runs inline COB job for Loan
When Admin sets the business date to "16 February 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 January 2024 | 83.25 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.01 | 16.24 | 0.65 | 0.0 | 0.0 | 16.89 | 0.0 | 0.0 | 0.0 | 16.89 |
| 3 | 31 | 01 April 2024 | | 50.34 | 16.67 | 0.22 | 0.0 | 0.0 | 16.89 | 0.0 | 0.0 | 0.0 | 16.89 |
| 4 | 30 | 01 May 2024 | | 33.62 | 16.72 | 0.17 | 0.0 | 0.0 | 16.89 | 0.0 | 0.0 | 0.0 | 16.89 |
| 5 | 31 | 01 June 2024 | | 16.84 | 16.78 | 0.11 | 0.0 | 0.0 | 16.89 | 0.0 | 0.0 | 0.0 | 16.89 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.84 | 0.06 | 0.0 | 0.0 | 16.9 | 0.0 | 0.0 | 0.0 | 16.9 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.47 | 0.0 | 0.0 | 101.47 | 17.01 | 17.01 | 0.0 | 84.46 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 17.01 | 16.75 | 0.26 | 0.0 | 0.0 | 83.25 | false | false |
| 14 February 2024 | Accrual | 0.75 | 0.0 | 0.75 | 0.0 | 0.0 | 0.0 | false | false |
| 15 February 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3301
Scenario: UC18-1 - In case of backdated repayment the Interest Refund transaction needs to be recalculated
# using 2021 for the test since as per UC - non-leap year with 365 days should be used
When Admin sets the business date to "01 January 2021"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2021 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 1 | MONTHS | 1 | MONTHS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2021" with "1000" amount and expected disbursement date on "01 January 2021"
When Admin successfully disburse the loan on "01 January 2021" with "1000" EUR transaction amount
When Admin sets the business date to "22 January 2021"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "22 January 2021" with 1000 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2021 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2021 | 22 January 2021 | 0.0 | 1000.0 | 5.7 | 0.0 | 0.0 | 1005.7 | 1005.7 | 1005.7 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 5.7 | 0.0 | 0.0 | 1005.7 | 1005.7 | 1005.7 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2021 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 22 January 2021 | Merchant Issued Refund | 1000.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 22 January 2021 | Interest Refund | 5.7 | 0.0 | 5.7 | 0.0 | 0.0 | 0.0 | false | false |
| 22 January 2021 | Accrual | 5.7 | 0.0 | 5.7 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "10 January 2021" with 85.63 EUR transaction amount
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2021 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2021 | 22 January 2021 | 0.0 | 1000.0 | 5.42 | 0.0 | 0.0 | 1005.42 | 1005.42 | 1005.42 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 5.42 | 0.0 | 0.0 | 1005.42 | 1005.42 | 1005.42 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2021 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 10 January 2021 | Repayment | 85.63 | 85.63 | 0.0 | 0.0 | 0.0 | 914.37 | false | false |
| 22 January 2021 | Accrual | 5.7 | 0.0 | 5.7 | 0.0 | 0.0 | 0.0 | false | false |
| 22 January 2021 | Merchant Issued Refund | 1000.0 | 914.37 | 5.42 | 0.0 | 0.0 | 0.0 | false | true |
| 22 January 2021 | Interest Refund | 5.42 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
| 22 January 2021 | Accrual Adjustment | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |