| @Emi |
| Feature: EMI calculation and repayment schedule checks for interest bearing loans - Part4 |
| |
| @TestRailId:C3836 |
| Scenario: Progressive loan - flat interest, multi-disbursement, allowPartialPeriodInterestCalculation = false, actual/actual, second disbursement on the due date of installment period |
| When Admin sets the business date to "01 June 2024" |
| And 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_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE_PART_PERIOD_CALC_DISABLED | 01 January 2024 | 3000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024" |
| And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount |
| Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| When Admin sets the business date to "01 August 2024" |
| When Admin successfully disburse the loan on "01 August 2024" with "250" EUR transaction amount |
| Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | | | 01 August 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 3 | 31 | 01 September 2024 | | 0.0 | 583.34 | 12.5 | 0.0 | 0.0 | 595.84 | 0.0 | 0.0 | 0.0 | 595.84 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1250 | 32.5 | 0.0 | 0.0 | 1282.5 | 0.0 | 0.0 | 0.0 | 1282.5 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| | 01 August 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 | |
| Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 June 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | 1000.0 | | |
| | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 | |
| Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 August 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | 250.0 | | |
| | LIABILITY | 145023 | Suspense/Clearing account | | 250.0 | |
| And Customer makes "AUTOPAY" repayment on "01 August 2024" with 1282.5 EUR transaction amount |
| Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 01 July 2024 | 01 August 2024 | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 343.33 | 0.0 | |
| | 2 | 31 | 01 August 2024 | 01 August 2024 | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 0.0 | 0.0 | |
| | | | 01 August 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 3 | 31 | 01 September 2024 | 01 August 2024 | 0.0 | 583.34 | 12.5 | 0.0 | 0.0 | 595.84 | 595.84 | 595.84 | 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 | |
| | 1250 | 32.5 | 0.0 | 0.0 | 1282.5 | 1282.5 | 595.84 | 343.33 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| | 01 August 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 | |
| | 01 August 2024 | Repayment | 1282.5 | 1250.0 | 32.5 | 0.0 | 0.0 | 0.0 | |
| | 01 August 2024 | Accrual | 32.5 | 0.0 | 32.5 | 0.0 | 0.0 | 0.0 | |
| Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 August 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | | 1250.0 | |
| | ASSET | 112603 | Interest/Fee Receivable | | 32.5 | |
| | LIABILITY | 145023 | Suspense/Clearing account | 1282.5 | | |
| When Customer makes a repayment undo on "01 August 2024" |
| When Admin successfully undo last disbursal |
| Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 01 August 2024 | Repayment | 1282.5 | 1250.0 | 32.5 | 0.0 | 0.0 | 0.0 | true | false | |
| | 01 August 2024 | Accrual | 32.5 | 0.0 | 32.5 | 0.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3837 |
| Scenario: Progressive loan - flat interest, multi-disbursement, allowPartialPeriodInterestCalculation = false, 360/30, second disbursement in the middle of installment period |
| When Admin sets the business date to "01 June 2024" |
| And 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_INTEREST_FLAT_360_30_ADV_PMT_ALLOC_MULTIDISBURSE_PART_PERIOD_CALC_DISABLED | 01 January 2024 | 3000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024" |
| And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount |
| Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| When Admin sets the business date to "15 July 2024" |
| When Admin successfully disburse the loan on "15 July 2024" with "250" EUR transaction amount |
| Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 31 | 01 August 2024 | | 458.33 | 458.34 | 12.5 | 0.0 | 0.0 | 470.84 | 0.0 | 0.0 | 0.0 | 470.84 | |
| | 3 | 31 | 01 September 2024 | | 0.0 | 458.33 | 12.5 | 0.0 | 0.0 | 470.83 | 0.0 | 0.0 | 0.0 | 470.83 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1250 | 35.0 | 0.0 | 0.0 | 1285.0 | 0.0 | 0.0 | 0.0 | 1285.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| | 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 | |
| Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 June 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | 1000.0 | | |
| | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 | |
| Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "15 July 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | 250.0 | | |
| | LIABILITY | 145023 | Suspense/Clearing account | | 250.0 | |
| And Customer makes "AUTOPAY" repayment on "15 July 2024" with 814.17 EUR transaction amount |
| Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 01 July 2024 | 15 July 2024 | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 343.33 | 0.0 | |
| | | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 31 | 01 August 2024 | 15 July 2024 | 458.33 | 458.34 | 12.5 | 0.0 | 0.0 | 470.84 | 470.84 | 470.84 | 0.0 | 0.0 | |
| | 3 | 31 | 01 September 2024 | | 0.0 | 458.33 | 12.5 | 0.0 | 0.0 | 470.83 | 0.0 | 0.0 | 0.0 | 470.83 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1250 | 35.0 | 0.0 | 0.0 | 1285.0 | 814.17 | 470.84 | 343.33 | 470.83 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| | 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 | |
| | 15 July 2024 | Repayment | 814.17 | 791.67 | 22.5 | 0.0 | 0.0 | 458.33 | |
| Then Loan Transactions tab has a "REPAYMENT" transaction with date "15 July 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | | 791.67 | |
| | ASSET | 112603 | Interest/Fee Receivable | | 22.5 | |
| | LIABILITY | 145023 | Suspense/Clearing account | 814.17 | | |
| When Customer makes a repayment undo on "15 July 2024" |
| When Admin successfully undo last disbursal |
| Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 15 July 2024 | Repayment | 814.17 | 791.67 | 22.5 | 0.0 | 0.0 | 458.33 | true | false | |
| |
| @TestRailId:C3838 |
| Scenario: Progressive loan - flat interest, multi-disbursement, allowPartialPeriodInterestCalculation = false, 360/30, second disbursement on the due date of installment period |
| When Admin sets the business date to "01 June 2024" |
| And 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_INTEREST_FLAT_360_30_ADV_PMT_ALLOC_MULTIDISBURSE_PART_PERIOD_CALC_DISABLED | 01 January 2024 | 3000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024" |
| And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount |
| Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| When Admin sets the business date to "01 August 2024" |
| When Admin successfully disburse the loan on "01 August 2024" with "250" EUR transaction amount |
| Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | | | 01 August 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 3 | 31 | 01 September 2024 | | 0.0 | 583.34 | 12.5 | 0.0 | 0.0 | 595.84 | 0.0 | 0.0 | 0.0 | 595.84 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1250 | 32.5 | 0.0 | 0.0 | 1282.5 | 0.0 | 0.0 | 0.0 | 1282.5 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| | 01 August 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 | |
| Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 June 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | 1000.0 | | |
| | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 | |
| Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 August 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | 250.0 | | |
| | LIABILITY | 145023 | Suspense/Clearing account | | 250.0 | |
| And Customer makes "AUTOPAY" repayment on "01 August 2024" with 1282.5 EUR transaction amount |
| Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 01 July 2024 | 01 August 2024 | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 343.33 | 0.0 | |
| | 2 | 31 | 01 August 2024 | 01 August 2024 | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 343.33 | 0.0 | 0.0 | 0.0 | |
| | | | 01 August 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 3 | 31 | 01 September 2024 | 01 August 2024 | 0.0 | 583.34 | 12.5 | 0.0 | 0.0 | 595.84 | 595.84 | 595.84 | 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 | |
| | 1250 | 32.5 | 0.0 | 0.0 | 1282.5 | 1282.5 | 595.84 | 343.33 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| | 01 August 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 | |
| | 01 August 2024 | Repayment | 1282.5 | 1250.0 | 32.5 | 0.0 | 0.0 | 0.0 | |
| | 01 August 2024 | Accrual | 32.5 | 0.0 | 32.5 | 0.0 | 0.0 | 0.0 | |
| Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 August 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | | 1250.0 | |
| | ASSET | 112603 | Interest/Fee Receivable | | 32.5 | |
| | LIABILITY | 145023 | Suspense/Clearing account | 1282.5 | | |
| When Customer makes a repayment undo on "01 August 2024" |
| When Admin successfully undo last disbursal |
| Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 01 July 2024 | | 666.67 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | 2 | 31 | 01 August 2024 | | 333.34 | 333.33 | 10.0 | 0.0 | 0.0 | 343.33 | 0.0 | 0.0 | 0.0 | 343.33 | |
| | 3 | 31 | 01 September 2024 | | 0.0 | 333.34 | 10.0 | 0.0 | 0.0 | 343.34 | 0.0 | 0.0 | 0.0 | 343.34 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 30.0 | 0.0 | 0.0 | 1030.0 | 0.0 | 0.0 | 0.0 | 1030.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 01 August 2024 | Repayment | 1282.5 | 1250.0 | 32.5 | 0.0 | 0.0 | 0.0 | true | false | |
| | 01 August 2024 | Accrual | 32.5 | 0.0 | 32.5 | 0.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3839 |
| Scenario: Progressive loan - down payment, flat interest, multi-disbursement, allowPartialPeriodInterestCalculation = false, actual/actual, second disbursement in the middle of installment period |
| When Admin sets the business date to "01 June 2024" |
| And 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_DOWNPAYMENT_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE_PART_PERIOD_CALC_DISABLED | 01 January 2024 | 3000 | 12 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024" |
| And Admin successfully disburse the loan on "01 June 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 June 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 30 | 01 July 2024 | | 500.0 | 250.0 | 7.5 | 0.0 | 0.0 | 257.5 | 0.0 | 0.0 | 0.0 | 257.5 | |
| | 3 | 31 | 01 August 2024 | | 250.0 | 250.0 | 7.5 | 0.0 | 0.0 | 257.5 | 0.0 | 0.0 | 0.0 | 257.5 | |
| | 4 | 31 | 01 September 2024 | | 0.0 | 250.0 | 7.5 | 0.0 | 0.0 | 257.5 | 0.0 | 0.0 | 0.0 | 257.5 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 22.5 | 0.0 | 0.0 | 1022.5 | 0.0 | 0.0 | 0.0 | 1022.5 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| When Admin sets the business date to "15 July 2024" |
| When Admin successfully disburse the loan on "15 July 2024" with "250" EUR transaction amount |
| Then Loan Repayment schedule has 5 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 June 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 30 | 01 July 2024 | | 500.0 | 250.0 | 7.5 | 0.0 | 0.0 | 257.5 | 0.0 | 0.0 | 0.0 | 257.5 | |
| | | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 3 | 0 | 15 July 2024 | | 687.5 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | |
| | 4 | 31 | 01 August 2024 | | 343.75 | 343.75 | 9.37 | 0.0 | 0.0 | 353.12 | 0.0 | 0.0 | 0.0 | 353.12 | |
| | 5 | 31 | 01 September 2024 | | 0.0 | 343.75 | 9.37 | 0.0 | 0.0 | 353.12 | 0.0 | 0.0 | 0.0 | 353.12 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1250 | 26.24 | 0.0 | 0.0 | 1276.24 | 0.0 | 0.0 | 0.0 | 1276.24 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| | 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 | |
| Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 June 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | 1000.0 | | |
| | LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 | |
| Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "15 July 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | 250.0 | | |
| | LIABILITY | 145023 | Suspense/Clearing account | | 250.0 | |
| And Customer makes "AUTOPAY" repayment on "15 July 2024" with 923.12 EUR transaction amount |
| Then Loan Repayment schedule has 5 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 June 2024 | 15 July 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 | |
| | 2 | 30 | 01 July 2024 | 15 July 2024 | 500.0 | 250.0 | 7.5 | 0.0 | 0.0 | 257.5 | 257.5 | 0.0 | 257.5 | 0.0 | |
| | | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 3 | 0 | 15 July 2024 | 15 July 2024 | 687.5 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 62.5 | 0.0 | 0.0 | 0.0 | |
| | 4 | 31 | 01 August 2024 | 15 July 2024 | 343.75 | 343.75 | 9.37 | 0.0 | 0.0 | 353.12 | 353.12 | 353.12 | 0.0 | 0.0 | |
| | 5 | 31 | 01 September 2024 | | 0.0 | 343.75 | 9.37 | 0.0 | 0.0 | 353.12 | 0.0 | 0.0 | 0.0 | 353.12 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1250 | 26.24 | 0.0 | 0.0 | 1276.24 | 923.12 | 353.12 | 507.5 | 353.12 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| | 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 | |
| | 15 July 2024 | Repayment | 923.12 | 906.25 | 16.87 | 0.0 | 0.0 | 343.75 | |
| Then Loan Transactions tab has a "REPAYMENT" transaction with date "15 July 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | | 906.25 | |
| | ASSET | 112603 | Interest/Fee Receivable | | 16.87 | |
| | LIABILITY | 145023 | Suspense/Clearing account | 923.12 | | |
| |
| @TestRailId:С3893 |
| Scenario: Progressive loan - flat interest DAILY, multi-disbursement, actual/actual, second disbursement in the middle of installment period |
| When Admin sets the business date to "01 June 2024" |
| And 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_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE | 01 January 2024 | 3000 | 12 | FLAT | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024" |
| And Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount |
| Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 01 July 2024 | | 666.45 | 333.55 | 9.84 | 0.0 | 0.0 | 343.39 | 0.0 | 0.0 | 0.0 | 343.39 | |
| | 2 | 31 | 01 August 2024 | | 333.22 | 333.23 | 10.16 | 0.0 | 0.0 | 343.39 | 0.0 | 0.0 | 0.0 | 343.39 | |
| | 3 | 31 | 01 September 2024 | | 0.0 | 333.22 | 10.16 | 0.0 | 0.0 | 343.38 | 0.0 | 0.0 | 0.0 | 343.38 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 30.16 | 0.0 | 0.0 | 1030.16 | 0.0 | 0.0 | 0.0 | 1030.16 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| When Admin sets the business date to "15 July 2024" |
| When Admin successfully disburse the loan on "15 July 2024" with "250" EUR transaction amount |
| Then Loan Repayment schedule has 3 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 01 July 2024 | | 666.45 | 333.55 | 9.84 | 0.0 | 0.0 | 343.39 | 0.0 | 0.0 | 0.0 | 343.39 | |
| | | | 15 July 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 31 | 01 August 2024 | | 457.65 | 458.8 | 11.56 | 0.0 | 0.0 | 470.36 | 0.0 | 0.0 | 0.0 | 470.36 | |
| | 3 | 31 | 01 September 2024 | | 0.0 | 457.65 | 12.7 | 0.0 | 0.0 | 470.35 | 0.0 | 0.0 | 0.0 | 470.35 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1250 | 34.1 | 0.0 | 0.0 | 1284.1 | 0.0 | 0.0 | 0.0 | 1284.1 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| | 15 July 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 | |
| |
| @TestRailId:С3894 |
| Scenario: Progressive loan - flat interest DAILY, down-payment, multi-disbursement, actual/actual, second disbursement on the due date of installment period |
| When Admin sets the business date to "01 June 2024" |
| And 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_DOWNPAYMENT_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE | 01 January 2024 | 3000 | 12 | FLAT | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 June 2024" with "3000" amount and expected disbursement date on "01 June 2024" |
| And Admin successfully disburse the loan on "01 June 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 June 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 30 | 01 July 2024 | | 499.84 | 250.16 | 7.38 | 0.0 | 0.0 | 257.54 | 0.0 | 0.0 | 0.0 | 257.54 | |
| | 3 | 31 | 01 August 2024 | | 249.92 | 249.92 | 7.62 | 0.0 | 0.0 | 257.54 | 0.0 | 0.0 | 0.0 | 257.54 | |
| | 4 | 31 | 01 September 2024 | | 0.0 | 249.92 | 7.62 | 0.0 | 0.0 | 257.54 | 0.0 | 0.0 | 0.0 | 257.54 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 22.62 | 0.0 | 0.0 | 1022.62 | 0.0 | 0.0 | 0.0 | 1022.62 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| When Admin sets the business date to "01 August 2024" |
| When Admin successfully disburse the loan on "01 August 2024" with "250" EUR transaction amount |
| Then Loan Repayment schedule has 5 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 June 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 June 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 30 | 01 July 2024 | | 499.84 | 250.16 | 7.38 | 0.0 | 0.0 | 257.54 | 0.0 | 0.0 | 0.0 | 257.54 | |
| | 3 | 31 | 01 August 2024 | | 249.92 | 249.92 | 7.62 | 0.0 | 0.0 | 257.54 | 0.0 | 0.0 | 0.0 | 257.54 | |
| | | | 01 August 2024 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 4 | 0 | 01 August 2024 | | 437.42 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | |
| | 5 | 31 | 01 September 2024 | | 0.0 | 437.42 | 9.53 | 0.0 | 0.0 | 446.95 | 0.0 | 0.0 | 0.0 | 446.95 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1250 | 24.53 | 0.0 | 0.0 | 1274.53 | 0.0 | 0.0 | 0.0 | 1274.53 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 June 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| | 01 August 2024 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1250.0 | |
| |
| @TestRailId:C3897 |
| Scenario: Progressive loan - flat interest DAILY, actual/actual, 4% interest rate |
| When Admin sets the business date to "01 January 2024" |
| And 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_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE | 01 January 2024 | 100 | 4 | FLAT | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 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" |
| And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 3 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| | 66.67 | 33.33 | 0.34 | 0.0 | 0.0 | 33.67 | 0.0 | 0.0 | 0.0 | 33.67 | |
| | 2 | 29 | 01 March 2024 | | 33.32 | 33.35 | 0.32 | 0.0 | 0.0 | 33.67 | 0.0 | 0.0 | 0.0 | 33.67 | |
| | 3 | 31 | 01 April 2024 | | 0.0 | 33.32 | 0.34 | 0.0 | 0.0 | 33.66 | 0.0 | 0.0 | 0.0 | 33.66 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 1.0 | 0.0 | 0.0 | 101.0 | 0.0 | 0.0 | 0.0 | 101.0 | |
| 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 | |
| |
| @TestRailId:C3898 |
| Scenario: Progressive loan with downpayment - flat interest DAILY, actual/actual, 4% interest rate |
| When Admin sets the business date to "01 January 2024" |
| And 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_DOWNPAYMENT_INTEREST_FLAT_ADV_PMT_ALLOC_MULTIDISBURSE | 01 January 2024 | 1000 | 4 | FLAT | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 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 |
| 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 | 0 | 01 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 31 | 01 February 2024| | 500.05 | 249.95 | 2.54 | 0.0 | 0.0 | 252.49 | 0.0 | 0.0 | 0.0 | 252.49 | |
| | 3 | 29 | 01 March 2024 | | 249.94 | 250.11 | 2.38 | 0.0 | 0.0 | 252.49 | 0.0 | 0.0 | 0.0 | 252.49 | |
| | 4 | 31 | 01 April 2024 | | 0.0 | 249.94 | 2.54 | 0.0 | 0.0 | 252.48 | 0.0 | 0.0 | 0.0 | 252.48 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 7.46 | 0.0 | 0.0 | 1007.46| 0.0 | 0.0 | 0.0 | 1007.46 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| |
| @TestRailId:C76742 |
| Scenario: Progressive loan with downpayment - 0.01 disbursement is assigned to the last installment and full repayment closes the loan |
| When Admin sets the business date to "18 February 2026" |
| 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_DOWNPAYMENT_AUTO_ADV_PMT_ALLOC_NO_MULTIPLES_OF | 18 February 2026 | 100 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 48 | DAYS | 16 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "18 February 2026" with "100" amount and expected disbursement date on "18 February 2026" |
| When Admin successfully disburse the loan on "18 February 2026" with "0.01" EUR transaction amount |
| Then Loan status will be "ACTIVE" |
| 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 | |
| | | | 18 February 2026 | | 0.01 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 18 February 2026 | 18 February 2026 | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 16 | 06 March 2026 | 18 February 2026 | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 3 | 16 | 22 March 2026 | 18 February 2026 | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 4 | 16 | 07 April 2026 | | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | 0.01 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 0.01 | 0.0 | 0.0 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | 0.01 | |
| Then Loan has 0.01 outstanding amount |
| When Admin sets the business date to "08 April 2026" |
| And Customer makes "AUTOPAY" repayment on "08 April 2026" with 0.01 EUR transaction amount |
| Then Loan status will be "CLOSED_OBLIGATIONS_MET" |
| Then Loan has 0.0 outstanding amount |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 18 February 2026 | Disbursement | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.01 | |
| | 08 April 2026 | Repayment | 0.01 | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | |
| |
| @TestRailId:C76743 |
| Scenario: Disbursement of 0.01 on progressive product distributes residual to first installment |
| When Admin sets the business date to "18 February 2026" |
| 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 18 February 2026 | 100 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 48 | DAYS | 16 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "18 February 2026" with "100" amount and expected disbursement date on "18 February 2026" |
| When Admin successfully disburse the loan on "18 February 2026" with "0.01" EUR transaction amount |
| Then Loan status will be "ACTIVE" |
| Then Loan has 0.01 outstanding 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 | |
| | | | 18 February 2026 | | 0.01 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 18 February 2026 | 18 February 2026 | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 16 | 06 March 2026 | | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | 0.01 | |
| | 3 | 16 | 22 March 2026 | 18 February 2026 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 4 | 16 | 07 April 2026 | 18 February 2026 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 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 | |
| | 0.01 | 0.0 | 0.0 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | 0.01 | |
| When Admin sets the business date to "06 March 2026" |
| And Customer makes "AUTOPAY" repayment on "06 March 2026" with 0.01 EUR transaction amount |
| Then Loan status will be "CLOSED_OBLIGATIONS_MET" |
| Then Loan has 0.0 outstanding amount |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 18 February 2026 | Disbursement | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.01 | |
| | 06 March 2026 | Repayment | 0.01 | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | |
| |
| @TestRailId:C76744 |
| Scenario: Disbursement of 0.02 on progressive product distributes residual to first installment |
| When Admin sets the business date to "18 February 2026" |
| 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 18 February 2026 | 100 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 48 | DAYS | 16 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "18 February 2026" with "100" amount and expected disbursement date on "18 February 2026" |
| When Admin successfully disburse the loan on "18 February 2026" with "0.02" EUR transaction amount |
| Then Loan status will be "ACTIVE" |
| Then Loan has 0.02 outstanding 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 | |
| | | | 18 February 2026 | | 0.02 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 18 February 2026 | 18 February 2026 | 0.02 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 16 | 06 March 2026 | | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | 0.02 | |
| | 3 | 16 | 22 March 2026 | 18 February 2026 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 4 | 16 | 07 April 2026 | 18 February 2026 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 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 | |
| | 0.02 | 0.0 | 0.0 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | 0.02 | |
| When Admin sets the business date to "06 March 2026" |
| And Customer makes "AUTOPAY" repayment on "06 March 2026" with 0.02 EUR transaction amount |
| Then Loan status will be "CLOSED_OBLIGATIONS_MET" |
| Then Loan has 0.0 outstanding amount |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 18 February 2026 | Disbursement | 0.02 | 0.0 | 0.0 | 0.0 | 0.0 | 0.02 | |
| | 06 March 2026 | Repayment | 0.02 | 0.02 | 0.0 | 0.0 | 0.0 | 0.0 | |
| |
| @TestRailId:C76745 |
| Scenario: Partial repayment of 0.01 residual does not flip loan to OVERPAID |
| When Admin sets the business date to "18 February 2026" |
| 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 18 February 2026 | 100 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 48 | DAYS | 16 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "18 February 2026" with "100" amount and expected disbursement date on "18 February 2026" |
| When Admin successfully disburse the loan on "18 February 2026" with "0.01" EUR transaction amount |
| Then Loan status will be "ACTIVE" |
| # Repayment of 0.01 on the disbursement day must close the loan, NOT leave balance 0.01 and flip to OVERPAID |
| And Customer makes "AUTOPAY" repayment on "18 February 2026" with 0.01 EUR transaction amount |
| Then Loan status will be "CLOSED_OBLIGATIONS_MET" |
| Then Loan has 0.0 outstanding amount |
| |
| @TestRailId:C76746 |
| Scenario: Multi-disbursement, 0.01 first tranche followed by 99.99 second tranche amortises cleanly |
| When Admin sets the business date to "18 February 2026" |
| 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 18 February 2026 | 100 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 48 | DAYS | 16 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "18 February 2026" with "100" amount and expected disbursement date on "18 February 2026" |
| # First tranche |
| When Admin successfully disburse the loan on "18 February 2026" with "0.01" EUR transaction amount |
| Then Loan status will be "ACTIVE" |
| Then Loan has 0.01 outstanding amount |
| # Second tranche on the same day, before any installment is due, must re-amortise to a full 100-loan schedule. |
| # Auto-downpayment on 99.99 is round(99.99 * 25%, multiplesOf=1) = 25, so outstanding = 0.01 + 99.99 - 25 = 75.00. |
| When Admin successfully disburse the loan on "18 February 2026" with "99.99" EUR transaction amount |
| Then Loan status will be "ACTIVE" |
| Then Loan has 75.0 outstanding amount |
| # Pay down full outstanding, loan must close cleanly (not OVERPAID with a ghost 0.01 residual from the first tranche) |
| When Admin sets the business date to "08 April 2026" |
| And Customer makes "AUTOPAY" repayment on "08 April 2026" with 75 EUR transaction amount |
| Then Loan status will be "CLOSED_OBLIGATIONS_MET" |
| Then Loan has 0.0 outstanding amount |
