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apache/fineract/develop/./fineract-e2e-tests-runner/src/test/resources/features/Loan-Part2.feature
blob: 4574122c423ddf6b6fd930cf4df472dd32ba29f9 [file]
@LoanFeature
Feature: Loan - Part2
@TestRailId:C2540
Scenario: Verify that loan overdue calculation is updated upon Payout refund transaction
When Admin sets the business date to "1 January 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "1 January 2023"
And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
When Admin sets the business date to "1 March 2023"
When Admin runs inline COB job for Loan
Then Admin checks that delinquency range is: "RANGE_3" and has delinquentDate "2023-02-03"
Then Loan status will be "ACTIVE"
Then Loan has 1000 outstanding amount
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "1 March 2023" with 1000 EUR transaction amount and system-generated Idempotency key
Then Admin checks that delinquency range is: "NO_DELINQUENCY" and has delinquentDate ""
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding amount
@TestRailId:C2541
Scenario: Verify that loan overdue calculation is updated upon Merchant issued refund transaction
When Admin sets the business date to "1 January 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "1 January 2023"
And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
When Admin sets the business date to "1 March 2023"
When Admin runs inline COB job for Loan
Then Admin checks that delinquency range is: "RANGE_3" and has delinquentDate "2023-02-03"
Then Loan status will be "ACTIVE"
Then Loan has 1000 outstanding amount
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "1 March 2023" with 1000 EUR transaction amount and system-generated Idempotency key
Then Admin checks that delinquency range is: "NO_DELINQUENCY" and has delinquentDate ""
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding amount
@TestRailId:C2552
Scenario: Verify that delinquency event contains the correct delinquentDate in case of one repayment is overdue
When Admin sets the business date to "1 January 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "1 January 2023"
And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
When Admin sets the business date to "5 March 2023"
When Admin runs inline COB job for Loan
Then Admin checks that delinquency range is: "RANGE_3" and has delinquentDate "2023-02-03"
@TestRailId:C2553
Scenario: Verify that delinquency event contains the correct delinquentDate in case of multiple repayments are overdue
When Admin sets the business date to "1 January 2023"
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 |
| LP1 | 1 January 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "1 January 2023" with "1000" amount and expected disbursement date on "1 January 2023"
When Admin successfully disburse the loan on "1 January 2023" with "1000" EUR transaction amount
When Admin sets the business date to "5 April 2023"
When Admin runs inline COB job for Loan
Then Admin checks that delinquency range is: "RANGE_30" and has delinquentDate "2023-02-04"
@TestRailId:C2583
Scenario: Verify last payment related fields when retrieving loan details with 1 repayment
When Admin sets the business date to "01 January 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "01 January 2023"
And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
When Admin sets the business date to "03 January 2023"
And Customer makes "AUTOPAY" repayment on "03 January 2023" with 200 EUR transaction amount
Then Loan details has the following last payment related data:
| lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
| 200.0 | 03 January 2023 | 200.0 | 03 January 2023 |
@TestRailId:C2586
Scenario: Verify last payment related fields when retrieving loan details with 2 repayments on different day
When Admin sets the business date to "01 January 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "01 January 2023"
And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
When Admin sets the business date to "03 January 2023"
And Customer makes "AUTOPAY" repayment on "03 January 2023" with 200 EUR transaction amount
When Admin sets the business date to "05 January 2023"
And Customer makes "AUTOPAY" repayment on "05 January 2023" with 300 EUR transaction amount
Then Loan details has the following last payment related data:
| lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
| 300.0 | 05 January 2023 | 300.0 | 05 January 2023 |
@TestRailId:C2587
Scenario: Verify last payment related fields when retrieving loan details with 2 repayments on the same day
When Admin sets the business date to "01 January 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "01 January 2023"
And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
When Admin sets the business date to "03 January 2023"
And Customer makes "AUTOPAY" repayment on "03 January 2023" with 200 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "03 January 2023" with 300 EUR transaction amount
Then Loan details has the following last payment related data:
| lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
| 300.0 | 03 January 2023 | 300.0 | 03 January 2023 |
@TestRailId:C2588
Scenario: Verify last payment related fields when retrieving loan details with 2 repayments on different day then the second repayment reversed
When Admin sets the business date to "01 January 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "01 January 2023"
And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
When Admin sets the business date to "03 January 2023"
And Customer makes "AUTOPAY" repayment on "03 January 2023" with 200 EUR transaction amount
When Admin sets the business date to "05 January 2023"
And Customer makes "AUTOPAY" repayment on "05 January 2023" with 300 EUR transaction amount
Then Loan details has the following last payment related data:
| lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
| 300.0 | 05 January 2023 | 300.0 | 05 January 2023 |
When Customer undo "1"th transaction made on "05 January 2023"
Then Loan details has the following last payment related data:
| lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
| 200.0 | 03 January 2023 | 200.0 | 03 January 2023 |
@TestRailId:C2589
Scenario: Verify last payment related fields when retrieving loan details with 1 repayment and 1 goodwill credit transaction
When Admin sets the business date to "01 January 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "01 January 2023"
And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
When Admin sets the business date to "03 January 2023"
And Customer makes "AUTOPAY" repayment on "03 January 2023" with 200 EUR transaction amount
When Admin sets the business date to "05 January 2023"
When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "5 January 2023" with 400 EUR transaction amount and system-generated Idempotency key
Then Loan details has the following last payment related data:
| lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
| 400.0 | 05 January 2023 | 200.0 | 03 January 2023 |
@TestRailId:C2590
Scenario: Verify last payment related fields when retrieving loan details with 1 repayment, 1 goodwill credit transaction and 1 more repayment then the second repayment reversed
When Admin sets the business date to "01 January 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "01 January 2023"
And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
When Admin sets the business date to "03 January 2023"
And Customer makes "AUTOPAY" repayment on "03 January 2023" with 200 EUR transaction amount
When Admin sets the business date to "05 January 2023"
When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "5 January 2023" with 400 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "07 January 2023"
And Customer makes "AUTOPAY" repayment on "07 January 2023" with 300 EUR transaction amount
Then Loan details has the following last payment related data:
| lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
| 300.0 | 07 January 2023 | 300.0 | 07 January 2023 |
When Customer undo "1"th transaction made on "07 January 2023"
Then Loan details has the following last payment related data:
| lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
| 400.0 | 05 January 2023 | 200.0 | 03 January 2023 |
@TestRailId:C2678
Scenario: Verify that after loan is closed loan details and event has last repayment date and amount
When Admin sets the business date to "01 January 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "01 January 2023"
And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
Then Loan status has changed to "Approved"
When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
Then Loan status has changed to "Active"
When Admin sets the business date to "02 January 2023"
And Customer makes "AUTOPAY" repayment on "02 January 2023" with 1000 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan details and event has the following last repayment related data:
| lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
| 1000.0 | 02 January 2023 | 1000.0 | 02 January 2023 |
@TestRailId:C2679
Scenario: Verify that after loan is overpaid loan details and event has last repayment date and amount
When Admin sets the business date to "01 January 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "01 January 2023"
And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
Then Loan status has changed to "Approved"
When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
Then Loan status has changed to "Active"
When Admin sets the business date to "02 January 2023"
And Customer makes "AUTOPAY" repayment on "02 January 2023" with 1100 EUR transaction amount
Then Loan status will be "OVERPAID"
Then Loan details and event has the following last repayment related data:
| lastPaymentAmount | lastPaymentDate | lastRepaymentAmount | lastRepaymentDate |
| 1100.0 | 02 January 2023 | 1100.0 | 02 January 2023 |
@TestRailId:C2687 @fraud
Scenario: Verify that closed loan can be marked as Fraud
When Admin sets the business date to "01 January 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "01 January 2023"
And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
When Admin sets the business date to "15 January 2023"
And Customer makes "AUTOPAY" repayment on "15 January 2023" with 1000 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Admin can successfully set Fraud flag to the loan
@TestRailId:C2688 @fraud
Scenario: Verify that overpaid loan can be marked as Fraud
When Admin sets the business date to "01 January 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "01 January 2023"
And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
When Admin sets the business date to "15 January 2023"
And Customer makes "AUTOPAY" repayment on "15 January 2023" with 1100 EUR transaction amount
Then Loan status will be "OVERPAID"
Then Admin can successfully set Fraud flag to the loan
@TestRailId:C2690
Scenario: Verify that the repayment schedule is correct when the loan has a fee and multi disbursement happens
When Admin sets the business date to "1 May 2023"
When Admin creates a client with random data
And Admin successfully creates a new customised Loan submitted on date: "1 May 2023", with Principal: "1000", a loanTermFrequency: 1 months, and numberOfRepayments: 1
And Admin successfully approves the loan on "1 May 2023" with "1000" amount and expected disbursement date on "1 May 2023"
And Admin successfully disburse the loan on "1 May 2023" with "750" EUR transaction amount
Then Loan has 750 outstanding amount
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "1 May 2023" due date and 8 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 May 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 June 2023 | | 0.0 | 750.0 | 0.0 | 8.0 | 0.0 | 758.0 | 0.0 | 0.0 | 0.0 | 758.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 750 | 0 | 8 | 0 | 758 | 0 | 0 | 0 | 758 |
And Admin successfully disburse the loan on "1 May 2023" with "750" 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 May 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 May 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 June 2023 | | 0.0 | 1500.0 | 0.0 | 8.0 | 0.0 | 1508.0 | 0.0 | 0.0 | 0.0 | 1508.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1500 | 0 | 8 | 0 | 1508 | 0 | 0 | 0 | 1508 |
@TestRailId:C2691
Scenario: As an admin I would like to do a chargeback for Goodwill Credit
When Admin sets the business date to "8 May 2023"
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 |
| LP1 | 8 May 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "8 May 2023" with "1000" amount and expected disbursement date on "8 May 2023"
And Admin successfully disburse the loan on "8 May 2023" with "1000" EUR transaction amount
When Admin sets the business date to "9 May 2023"
When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "9 May 2023" with 300 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "10 May 2023"
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 300 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 |
| | | 08 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 08 June 2023 | | 667.0 | 633.0 | 0.0 | 0.0 | 0.0 | 633.0 | 300.0 | 300.0 | 0.0 | 333.0 |
| 2 | 30 | 08 July 2023 | | 334.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 |
| 3 | 31 | 08 August 2023 | | 0.0 | 334.0 | 0.0 | 0.0 | 0.0 | 334.0 | 0.0 | 0.0 | 0.0 | 334.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1300 | 0 | 0 | 0 | 1300 | 300 | 300 | 0 | 1000 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 08 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 09 May 2023 | Goodwill Credit | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 700.0 |
| 10 May 2023 | Chargeback | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
@TestRailId:C2692
Scenario: As an admin I would like to do a chargeback for Payout Refund
When Admin sets the business date to "8 May 2023"
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 |
| LP1 | 8 May 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "8 May 2023" with "1000" amount and expected disbursement date on "8 May 2023"
And Admin successfully disburse the loan on "8 May 2023" with "1000" EUR transaction amount
When Admin sets the business date to "9 May 2023"
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "9 May 2023" with 300 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "10 May 2023"
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 300 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 |
| | | 08 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 08 June 2023 | | 667.0 | 633.0 | 0.0 | 0.0 | 0.0 | 633.0 | 300.0 | 300.0 | 0.0 | 333.0 |
| 2 | 30 | 08 July 2023 | | 334.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 |
| 3 | 31 | 08 August 2023 | | 0.0 | 334.0 | 0.0 | 0.0 | 0.0 | 334.0 | 0.0 | 0.0 | 0.0 | 334.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1300 | 0 | 0 | 0 | 1300 | 300 | 300 | 0 | 1000 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 08 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 09 May 2023 | Payout Refund | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 700.0 |
| 10 May 2023 | Chargeback | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
@TestRailId:C2693
Scenario: As an admin I would like to do a chargeback for Merchant Issued Refund
When Admin sets the business date to "8 May 2023"
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 |
| LP1 | 8 May 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "8 May 2023" with "1000" amount and expected disbursement date on "8 May 2023"
And Admin successfully disburse the loan on "8 May 2023" with "1000" EUR transaction amount
When Admin sets the business date to "9 May 2023"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "9 May 2023" with 300 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "10 May 2023"
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 300 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 |
| | | 08 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 08 June 2023 | | 667.0 | 633.0 | 0.0 | 0.0 | 0.0 | 633.0 | 300.0 | 300.0 | 0.0 | 333.0 |
| 2 | 30 | 08 July 2023 | | 334.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 |
| 3 | 31 | 08 August 2023 | | 0.0 | 334.0 | 0.0 | 0.0 | 0.0 | 334.0 | 0.0 | 0.0 | 0.0 | 334.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1300 | 0 | 0 | 0 | 1300 | 300 | 300 | 0 | 1000 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 08 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 09 May 2023 | Merchant Issued Refund | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 700.0 |
| 10 May 2023 | Chargeback | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
@TestRailId:C2770
Scenario: As an admin I would like to do two merchant issued refund and charge adjustment to close the loan
When Global config "charge-accrual-date" value set to "submitted-date"
When Admin sets the business date to "14 May 2023"
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 |
| LP1 | 14 May 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | DUE_PENALTY_FEE_INTEREST_PRINCIPAL_IN_ADVANCE_PRINCIPAL_PENALTY_FEE_INTEREST |
And Admin successfully approves the loan on "14 May 2023" with "127.95" amount and expected disbursement date on "14 May 2023"
And Admin successfully disburse the loan on "14 May 2023" with "127.95" EUR transaction amount
When Admin sets the business date to "11 June 2023"
When Batch API call with steps: rescheduleLoan from "13 June 2023" to "13 July 2023" submitted on date: "11 June 2023", approveReschedule on date: "11 June 2023" runs with enclosingTransaction: "true"
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "13 July 2023" due date and 3.65 EUR transaction amount
When Admin sets the business date to "12 June 2023"
When Admin runs inline COB job for Loan
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 |
| | | 14 May 2023 | | 127.95 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 60 | 13 July 2023 | | 0.0 | 127.95 | 0.0 | 3.65 | 0.0 | 131.6 | 0.0 | 0.0 | 0.0 | 131.6 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 127.95 | 0 | 3.65 | 0 | 131.60 | 0 | 0 | 0 | 131.60 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 May 2023 | Disbursement | 127.95 | 0.0 | 0.0 | 0.0 | 0.0 | 127.95 |
| 11 June 2023 | Accrual | 3.65 | 0.0 | 0.0 | 3.65 | 0.0 | 0.0 |
When Admin sets the business date to "17 June 2023"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "17 June 2023" with 125 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 |
| | | 14 May 2023 | | 127.95 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 60 | 13 July 2023 | | 0.0 | 127.95 | 0.0 | 3.65 | 0.0 | 131.6 | 125.0 | 125.0 | 0.0 | 6.6 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 127.95 | 0 | 3.65 | 0 | 131.6 | 125.0 | 125.0 | 0 | 6.60 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 May 2023 | Disbursement | 127.95 | 0.0 | 0.0 | 0.0 | 0.0 | 127.95 |
| 11 June 2023 | Accrual | 3.65 | 0.0 | 0.0 | 3.65 | 0.0 | 0.0 |
| 17 June 2023 | Merchant Issued Refund | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 2.95 |
When Admin makes a charge adjustment for the last "LOAN_SNOOZE_FEE" type charge which is due on "13 July 2023" with 3.65 EUR transaction amount and externalId ""
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 |
| | | 14 May 2023 | | 127.95 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 60 | 13 July 2023 | | 0.0 | 127.95 | 0.0 | 3.65 | 0.0 | 131.6 | 128.65 | 128.65 | 0.0 | 2.95 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 127.95 | 0 | 3.65 | 0 | 131.6 | 128.65 | 128.65 | 0 | 2.95 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 May 2023 | Disbursement | 127.95 | 0.0 | 0.0 | 0.0 | 0.0 | 127.95 |
| 11 June 2023 | Accrual | 3.65 | 0.0 | 0.0 | 3.65 | 0.0 | 0.0 |
| 17 June 2023 | Merchant Issued Refund | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 2.95 |
| 17 June 2023 | Charge Adjustment | 3.65 | 2.95 | 0.0 | 0.7 | 0.0 | 0.0 |
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "17 June 2023" with 2.95 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 |
| | | 14 May 2023 | | 127.95 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 60 | 13 July 2023 | 17 June 2023 | 0.0 | 127.95 | 0.0 | 3.65 | 0.0 | 131.6 | 131.6 | 131.6 | 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 |
| 127.95 | 0 | 3.65 | 0 | 131.6 | 131.6 | 131.6 | 0 | 0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 May 2023 | Disbursement | 127.95 | 0.0 | 0.0 | 0.0 | 0.0 | 127.95 |
| 11 June 2023 | Accrual | 3.65 | 0.0 | 0.0 | 3.65 | 0.0 | 0.0 |
| 17 June 2023 | Merchant Issued Refund | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 2.95 |
| 17 June 2023 | Charge Adjustment | 3.65 | 2.95 | 0.0 | 0.7 | 0.0 | 0.0 |
| 17 June 2023 | Merchant Issued Refund | 2.95 | 0.0 | 0.0 | 2.95 | 0.0 | 0.0 |
When Global config "charge-accrual-date" value set to "due-date"
@TestRailId:C2776
Scenario: Verify that maturity date is updated on repayment reversal
When Admin sets the business date to "01 June 2023"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "01 June 2023"
And Admin successfully approves the loan on "01 June 2023" with "1000" amount and expected disbursement date on "01 June 2023"
When Admin successfully disburse the loan on "01 June 2023" with "1000" EUR transaction amount
Then Loan status will be "ACTIVE"
Then Loan has the following maturity data:
| actualMaturityDate | expectedMaturityDate |
| 01 July 2023 | 01 July 2023 |
When Admin sets the business date to "20 June 2023"
And Customer makes "AUTOPAY" repayment on "20 June 2023" with 1000 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has the following maturity data:
| actualMaturityDate | expectedMaturityDate |
| 20 June 2023 | 01 July 2023 |
When Admin sets the business date to "20 June 2023"
When Customer undo "1"th "Repayment" transaction made on "20 June 2023"
Then Loan status will be "ACTIVE"
Then Loan has the following maturity data:
| actualMaturityDate | expectedMaturityDate |
| 01 July 2023 | 01 July 2023 |
@TestRailId:C3202
Scenario: Verify that closed date is updated on repayment reversal
When Admin sets the business date to "01 June 2024"
When Admin creates a client with random data
When Admin creates a new default Loan with date: "01 June 2024"
And Admin successfully approves the loan on "01 June 2024" with "1000" amount and expected disbursement date on "01 June 2024"
When Admin successfully disburse the loan on "01 June 2024" with "1000" EUR transaction amount
Then Loan status will be "ACTIVE"
When Admin sets the business date to "20 June 2024"
And Customer makes "AUTOPAY" repayment on "20 June 2024" with 1000 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan closedon_date is "20 June 2024"
When Admin sets the business date to "21 June 2024"
When Customer undo "1"th "Repayment" transaction made on "20 June 2024"
Then Loan status will be "ACTIVE"
Then Loan closedon_date is "null"
@TestRailId:C2777
Scenario: As an admin I would like to delete a loan using external id
When Admin sets the business date to the actual date
And Admin creates a client with random data
When Admin creates a new Loan
Then Admin successfully deletes the loan with external id
@TestRailId:C2778
Scenario: As an admin I would like to verify that deleting loan using incorrect external id gives error
When Admin sets the business date to the actual date
And Admin creates a client with random data
When Admin creates a new Loan
Then Admin fails to delete the loan with incorrect external id
@TestRailId:C2784
Scenario: As a user I would like to do multiple repayment after reverse transactions and check the order of transactions
When Admin sets the business date to "01 November 2022"
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 |
| LP1 | 01 November 2022 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | DUE_PENALTY_FEE_INTEREST_PRINCIPAL_IN_ADVANCE_PRINCIPAL_PENALTY_FEE_INTEREST |
And Admin successfully approves the loan on "01 November 2022" with "1000" amount and expected disbursement date on "01 November 2022"
When Admin successfully disburse the loan on "01 November 2022" with "1000" EUR transaction amount
Then Loan has 1000 outstanding amount
When Admin adds "LOAN_NSF_FEE" due date charge with "2 November 2022" due date and 10 EUR transaction amount
When Admin sets the business date to "02 November 2022"
And Customer makes "AUTOPAY" repayment on "02 November 2022" with 9 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "02 November 2022" with 8 EUR transaction amount
And Customer makes "AUTOPAY" repayment on "02 November 2022" with 7 EUR transaction amount
Then Loan Transactions tab has a transaction with date: "02 November 2022", and with the following data:
| Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| Repayment | 9.0 | 0.0 | 0.0 | 0.0 | 9.0 | 1000.0 |
| Repayment | 8.0 | 7.0 | 0.0 | 0.0 | 1.0 | 993.0 |
| Repayment | 7.0 | 7.0 | 0.0 | 0.0 | 0.0 | 986.0 |
When Customer undo "1"th repayment on "02 November 2022"
Then Loan Transactions tab has a transaction with date: "02 November 2022", and with the following data:
| Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| Repayment | 9.0 | 0.0 | 0.0 | 0.0 | 9.0 | 1000.0 |
| Repayment | 8.0 | 0.0 | 0.0 | 0.0 | 8.0 | 1000.0 |
| Repayment | 7.0 | 5.0 | 0.0 | 0.0 | 2.0 | 993.0 |
When Customer undo "2"th repayment on "02 November 2022"
Then Loan Transactions tab has a transaction with date: "02 November 2022", and with the following data:
| Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| Repayment | 9.0 | 0.0 | 0.0 | 0.0 | 9.0 | 1000.0 |
| Repayment | 8.0 | 0.0 | 0.0 | 0.0 | 8.0 | 1000.0 |
| Repayment | 7.0 | 0.0 | 0.0 | 0.0 | 7.0 | 1000.0 |
@TestRailId:C2783
Scenario: As an admin I would like to verify that only one active repayment schedule exits for loan multiple disbursement
When Admin sets the business date to "07 July 2023"
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 |
| LP1 | 07 July 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "07 July 2023" with "1000" amount and expected disbursement date on "07 July 2023"
And Admin successfully disburse the loan on "07 July 2023" with "370.55" EUR transaction amount
When Admin sets the business date to "12 July 2023"
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "11 July 2023" due date and 5.15 EUR transaction amount
When Admin runs inline COB job for Loan
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 |
| | | 07 July 2023 | | 370.55 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 06 August 2023 | | 0.0 | 370.55 | 0.0 | 5.15 | 0.0 | 375.7 | 0.0 | 0.0 | 0.0 | 375.7 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 370.55 | 0 | 5.15 | 0 | 375.70 | 0 | 0 | 0 | 375.70 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 07 July 2023 | Disbursement | 370.55 | 0.0 | 0.0 | 0.0 | 0.0 | 370.55 |
| 11 July 2023 | Accrual | 5.15 | 0.0 | 0.0 | 5.15 | 0.0 | 0.0 |
When Admin sets the business date to "21 July 2023"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "21 July 2023" with 167.4 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 |
| | | 07 July 2023 | | 370.55 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 06 August 2023 | | 0.0 | 370.55 | 0.0 | 5.15 | 0.0 | 375.7 | 167.4 | 167.4 | 0.0 | 208.3 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 370.55 | 0 | 5.15 | 0 | 375.7 | 167.4 | 167.4 | 0 | 208.3 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 07 July 2023 | Disbursement | 370.55 | 0.0 | 0.0 | 0.0 | 0.0 | 370.55 |
| 11 July 2023 | Accrual | 5.15 | 0.0 | 0.0 | 5.15 | 0.0 | 0.0 |
| 21 July 2023 | Merchant Issued Refund | 167.4 | 162.25 | 0.0 | 5.15 | 0.0 | 208.3 |
When Admin runs inline COB job for Loan
When Admin sets the business date to "24 July 2023"
And Admin successfully disburse the loan on "24 July 2023" with "18" 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 |
| | | 07 July 2023 | | 370.55 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 24 July 2023 | | 18.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 06 August 2023 | | 0.0 | 388.55 | 0.0 | 5.15 | 0.0 | 393.7 | 167.4 | 167.4 | 0.0 | 226.3 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 388.55 | 0 | 5.15 | 0 | 393.7 | 167.4 | 167.4 | 0 | 226.3 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 07 July 2023 | Disbursement | 370.55 | 0.0 | 0.0 | 0.0 | 0.0 | 370.55 |
| 11 July 2023 | Accrual | 5.15 | 0.0 | 0.0 | 5.15 | 0.0 | 0.0 |
| 21 July 2023 | Merchant Issued Refund | 167.4 | 162.25 | 0.0 | 5.15 | 0.0 | 208.3 |
| 24 July 2023 | Disbursement | 18.0 | 0.0 | 0.0 | 0.0 | 0.0 | 226.3 |
@TestRailId:C2842 @AdvancedPaymentAllocation
Scenario: As an admin I would like to verify that simple payments are working with advanced payment allocation (UC1)
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin sets the business date to "01 January 2023"
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_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2023" with "500" amount and expected disbursement date on "01 January 2023"
Then Loan status has changed to "Approved"
And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
Then Loan status has changed to "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 |
| | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 125.0 | 0 | 0 | 375.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
When Admin sets the business date to "16 January 2023"
And Customer makes "AUTOPAY" repayment on "16 January 2023" with 125 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 250.0 | 0 | 0 | 250.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
When Admin sets the business date to "31 January 2023"
And Customer makes "AUTOPAY" repayment on "31 January 2023" with 125 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 375.0 | 0 | 0 | 125.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 31 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
When Admin sets the business date to "15 February 2023"
And Customer makes "AUTOPAY" repayment on "15 February 2023" with 125 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | 15 February 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 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 |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 0 | 0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 31 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 15 February 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Then Loan status has changed to "Closed (obligations met)"
@TestRailId:C2843 @AdvancedPaymentAllocation
Scenario: As an admin I would like to verify that simple payments and overpayment of the installment (goes to next installment) are working with advanced payment allocation (UC2)
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin sets the business date to "01 January 2023"
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_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2023" with "500" amount and expected disbursement date on "01 January 2023"
Then Loan status has changed to "Approved"
And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
Then Loan status has changed to "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 |
| | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 125.0 | 0 | 0 | 375.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
When Admin sets the business date to "16 January 2023"
And Customer makes "AUTOPAY" repayment on "16 January 2023" with 150 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 25.0 | 25.0 | 0.0 | 100.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 275.0 | 25.0 | 0 | 225.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 16 January 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 225.0 |
When Admin sets the business date to "31 January 2023"
And Customer makes "AUTOPAY" repayment on "31 January 2023" with 125 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 25.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 25.0 | 25.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 400.0 | 50.0 | 0 | 100.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 16 January 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 225.0 |
| 31 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 100.0 |
When Admin sets the business date to "15 February 2023"
And Customer makes "AUTOPAY" repayment on "15 February 2023" 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 25.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | 15 February 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 25.0 | 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 |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 50.0 | 0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 16 January 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 225.0 |
| 31 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 15 February 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Then Loan status has changed to "Closed (obligations met)"
@TestRailId:C2844 @AdvancedPaymentAllocation
Scenario: As an admin I would like to verify that simple payments and overpayment of the installment (goes to last installment) are working with advanced payment allocation (UC3)
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin sets the business date to "01 January 2023"
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_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2023" with "500" amount and expected disbursement date on "01 January 2023"
Then Loan status has changed to "Approved"
And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
Then Loan status has changed to "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 |
| | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 125.0 | 0 | 0 | 375.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
When Admin sets the business date to "16 January 2023"
And Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "16 January 2023" with 150 EUR transaction amount and self-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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 25.0 | 25.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 275.0 | 25.0 | 0 | 225.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 16 January 2023 | Goodwill Credit | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 225.0 |
When Admin sets the business date to "31 January 2023"
And Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "31 January 2023" with 125 EUR transaction amount and self-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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 25.0 | 25.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 400.0 | 25.0 | 0 | 100.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 16 January 2023 | Goodwill Credit | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 225.0 |
| 31 January 2023 | Goodwill Credit | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 100.0 |
When Admin sets the business date to "15 February 2023"
And Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "15 February 2023" with 100 EUR transaction amount and self-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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | 15 February 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 25.0 | 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 |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 25.0 | 0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 16 January 2023 | Goodwill Credit | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 225.0 |
| 31 January 2023 | Goodwill Credit | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 15 February 2023 | Goodwill Credit | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Then Loan status has changed to "Closed (obligations met)"
@TestRailId:C2845 @AdvancedPaymentAllocation
Scenario: As an admin I would like to verify that simple payments are working after some of them failed with advanced payment allocation (UC4)
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin sets the business date to "01 January 2023"
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_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2023" with "500" amount and expected disbursement date on "01 January 2023"
Then Loan status has changed to "Approved"
And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
Then Loan status has changed to "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 |
| | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 125.0 | 0 | 0 | 375.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
When Customer undo "2"th transaction made on "01 January 2023"
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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 0.0 | 0 | 0 | 500.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
When Admin sets the business date to "16 January 2023"
And Customer makes "AUTOPAY" repayment on "16 January 2023" with 125 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 16 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 125.0 | 0 | 125.0 | 375.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false |
When Customer undo "1"th transaction made on "16 January 2023"
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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 0.0 | 0 | 0 | 500.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
When Admin sets the business date to "20 January 2023"
And Customer makes "AUTOPAY" repayment on "20 January 2023" 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 100.0 | 0.0 | 100.0 | 25.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 100.0 | 0 | 100.0 | 400.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 20 January 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 400.0 | false |
When Admin sets the business date to "31 January 2023"
And Customer makes "AUTOPAY" repayment on "31 January 2023" with 40 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 31 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 15.0 | 0.0 | 15.0 | 110.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 140.0 | 0 | 140.0 | 360.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 20 January 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 400.0 | false |
| 31 January 2023 | Repayment | 40.0 | 40.0 | 0.0 | 0.0 | 0.0 | 360.0 | false |
When Admin sets the business date to "15 February 2023"
And Customer makes "AUTOPAY" repayment on "15 February 2023" with 360 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 31 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 15 February 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 15 February 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 4 | 15 | 15 February 2023 | 15 February 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 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 |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 0 | 375.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 20 January 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 400.0 | false |
| 31 January 2023 | Repayment | 40.0 | 40.0 | 0.0 | 0.0 | 0.0 | 360.0 | false |
| 15 February 2023 | Repayment | 360.0 | 360.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
Then Loan status has changed to "Closed (obligations met)"
@TestRailId:C2846 @AdvancedPaymentAllocation
Scenario: As an admin I would like to verify that Merchant issued refund with reamortization works with advanced payment allocation (UC05)
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin sets the business date to "01 January 2023"
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_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2023" with "500" amount and expected disbursement date on "01 January 2023"
Then Loan status has changed to "Approved"
And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
Then Loan status has changed to "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 |
| | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 125.0 | 0 | 0 | 375.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
When Customer undo "2"th transaction made on "01 January 2023"
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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 0.0 | 0 | 0 | 500.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
When Admin sets the business date to "08 January 2023"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "08 January 2023" with 300 EUR transaction amount and self-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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 08 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 58.33 | 58.33 | 0.0 | 66.67 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 58.33 | 58.33 | 0.0 | 66.67 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 58.34 | 58.34 | 0.0 | 66.66 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 300.0 | 175.0 | 125.0 | 200.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 08 January 2023 | Merchant Issued Refund | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 200.0 | false |
When Admin sets the business date to "16 January 2023"
And Customer makes "AUTOPAY" repayment on "16 January 2023" with 201 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 08 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 58.33 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 16 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | 16 January 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 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 |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 308.33 | 125.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Overpayment |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | 0.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true | 0.0 |
| 08 January 2023 | Merchant Issued Refund | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | 0.0 |
| 16 January 2023 | Repayment | 201.0 | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | 1.0 |
Then Loan status has changed to "Overpaid"
@TestRailId:C2847 @AdvancedPaymentAllocation
Scenario: As an admin I would like to verify that Merchant issued refund with reamortization on due date works with advanced payment allocation (UC07)
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin sets the business date to "01 January 2023"
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_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2023" with "500" amount and expected disbursement date on "01 January 2023"
Then Loan status has changed to "Approved"
And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
Then Loan status has changed to "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 |
| | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 125.0 | 0 | 0 | 375.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
When Admin sets the business date to "16 January 2023"
And Customer makes "AUTOPAY" repayment on "16 January 2023" with 125 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 250.0 | 0.0 | 0.0 | 250.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
When Admin sets the business date to "16 January 2023"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "16 January 2023" with 200 EUR transaction amount and self-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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 100.0 | 100.0 | 0.0 | 25.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 100.0 | 100.0 | 0.0 | 25.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 450.0 | 200.0 | 0.0 | 50.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 16 January 2023 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 50.0 |
When Admin sets the business date to "31 January 2023"
And Customer makes "AUTOPAY" repayment on "31 January 2023" with 25 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 100.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 100.0 | 100.0 | 0.0 | 25.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 475.0 | 200.0 | 0.0 | 25.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 16 January 2023 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 50.0 |
| 31 January 2023 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
When Admin sets the business date to "15 February 2023"
And Customer makes "AUTOPAY" repayment on "15 February 2023" with 25 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 16 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 100.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | 15 February 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 100.0 | 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 |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 200.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 16 January 2023 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 50.0 |
| 31 January 2023 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
| 15 February 2023 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Then Loan status has changed to "Closed (obligations met)"
@TestRailId:C2848 @AdvancedPaymentAllocation
Scenario: As an admin I would like to verify that Merchant issued refund with reamortization past due date works with advanced payment allocation (UC08)
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin sets the business date to "01 January 2023"
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_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2023" with "500" amount and expected disbursement date on "01 January 2023"
Then Loan status has changed to "Approved"
And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
Then Loan status has changed to "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 |
| | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 125.0 | 0 | 0 | 375.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
When Customer undo "2"th transaction made on "01 January 2023"
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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 0.0 | 0 | 0 | 500.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
When Admin sets the business date to "16 January 2023"
And Customer makes "AUTOPAY" repayment on "16 January 2023" with 125 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 16 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 125.0 | 0 | 125.0 | 375.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false |
When Customer undo "1"th transaction made on "16 January 2023"
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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 0.0 | 0 | 0 | 500.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
When Admin sets the business date to "17 January 2023"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "17 January 2023" with 300 EUR transaction amount and self-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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 17 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 17 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 25.0 | 25.0 | 0.0 | 100.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 25.0 | 25.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 300.0 | 50.0 | 250.0 | 200.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 17 January 2023 | Merchant Issued Refund | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 200.0 | false |
When Admin sets the business date to "31 January 2023"
And Customer makes "AUTOPAY" repayment on "31 January 2023" 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 17 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 17 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 25.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 25.0 | 25.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 400.0 | 50.0 | 250.0 | 100.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 17 January 2023 | Merchant Issued Refund | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 200.0 | false |
| 31 January 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
When Admin sets the business date to "15 February 2023"
And Customer makes "AUTOPAY" repayment on "15 February 2023" 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 17 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 17 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 25.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | 15 February 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 25.0 | 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 |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 50.0 | 250.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 17 January 2023 | Merchant Issued Refund | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 200.0 | false |
| 31 January 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 15 February 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
Then Loan status has changed to "Closed (obligations met)"
@TestRailId:C2849 @AdvancedPaymentAllocation
Scenario: As an admin I would like to verify that full refund with CBR (UC17)
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin sets the business date to "01 January 2023"
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_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2023" with "500" amount and expected disbursement date on "01 January 2023"
Then Loan status has changed to "Approved"
And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
Then Loan status has changed to "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 |
| | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 125.0 | 0 | 0 | 375.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
When Admin sets the business date to "08 January 2023"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "08 January 2023" with 500 EUR transaction amount and self-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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 08 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 08 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | 08 January 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 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 |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 375.0 | 0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 |
| 08 January 2023 | Merchant Issued Refund | 500.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan status has changed to "Overpaid"
When Admin sets the business date to "09 January 2023"
When Admin makes Credit Balance Refund transaction on "09 January 2023" with 125 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 08 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 08 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | 08 January 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 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 |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 375.0 | 0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 08 January 2023 | Merchant Issued Refund | 500.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 09 January 2023 | Credit Balance Refund | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Then Loan status has changed to "Closed (obligations met)"
@TestRailId:C2850 @AdvancedPaymentAllocation
Scenario: As an admin I would like to verify that reverse-replay works with advanced payment allocation(UC24)
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin sets the business date to "01 January 2023"
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_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2023" with "500" amount and expected disbursement date on "01 January 2023"
Then Loan status has changed to "Approved"
And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
Then Loan status has changed to "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 |
| | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 125.0 | 0 | 0 | 375.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
When Customer undo "2"th transaction made on "01 January 2023"
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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 0.0 | 0 | 0 | 500.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
When Admin sets the business date to "02 January 2023"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "02 January 2023" with 400 EUR transaction amount and self-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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 02 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 91.67 | 91.67 | 0.0 | 33.33 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 91.67 | 91.67 | 0.0 | 33.33 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 91.66 | 91.66 | 0.0 | 33.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 400.0 | 275.0 | 125.0 | 100.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 |
When Admin sets the business date to "04 January 2023"
And Customer makes "AUTOPAY" repayment on "04 January 2023" with 50 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 02 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 04 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 108.34 | 108.34 | 0.0 | 16.66 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 91.66 | 91.66 | 0.0 | 33.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 450.0 | 325.0 | 125.0 | 50.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 04 January 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 |
When Admin sets the business date to "16 January 2023"
And Customer makes "AUTOPAY" repayment on "16 January 2023" with 125 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 02 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 04 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 16 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | 16 January 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 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 |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 375.0 | 125.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | true |
| 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | false |
| 04 January 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 0.0 | false |
| 16 January 2023 | Repayment | 125.0 | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 75.0 | false |
Then Loan status has changed to "Overpaid"
When Admin sets the business date to "18 January 2023"
When Admin makes Credit Balance Refund transaction on "18 January 2023" with 75 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 02 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 04 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 16 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | 16 January 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 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 |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 375.0 | 125.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | true |
| 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | false |
| 04 January 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 0.0 | false |
| 16 January 2023 | Repayment | 125.0 | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 75.0 | false |
| 18 January 2023 | Credit Balance Refund | 75.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 75.0 | false |
Then Loan status has changed to "Closed (obligations met)"
When Admin sets the business date to "20 January 2023"
When Customer undo "1"th transaction made on "02 January 2023"
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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 16 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 50.0 | 0.0 | 0.0 | 75.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 575.0 | 0 | 0.0 | 0 | 575.0 | 175.0 | 0.0 | 125.0 | 400.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | true |
| 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | true |
| 04 January 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 450.0 | 0.0 | false |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 325.0 | 0.0 | false |
| 18 January 2023 | Credit Balance Refund | 75.0 | 75.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | false |
Then Loan status has changed to "Active"
When Admin sets the business date to "31 January 2023"
And Customer makes "AUTOPAY" repayment on "31 January 2023" with 275 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 16 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 31 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 75.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 575.0 | 0 | 0.0 | 0 | 575.0 | 450.0 | 0.0 | 200.0 | 125.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | true |
| 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | true |
| 04 January 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 450.0 | 0.0 | false |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 325.0 | 0.0 | false |
| 18 January 2023 | Credit Balance Refund | 75.0 | 75.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | false |
| 31 January 2023 | Repayment | 275.0 | 275.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | false |
When Admin sets the business date to "15 February 2023"
And Customer makes "AUTOPAY" repayment on "15 February 2023" with 125 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 16 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 31 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 75.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 31 January 2023 | 125.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | 15 February 2023 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 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 |
| 575.0 | 0 | 0.0 | 0 | 575.0 | 575.0 | 0.0 | 200.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | 0.0 | true |
| 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | true |
| 04 January 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 450.0 | 0.0 | false |
| 16 January 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 325.0 | 0.0 | false |
| 18 January 2023 | Credit Balance Refund | 75.0 | 75.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | false |
| 31 January 2023 | Repayment | 275.0 | 275.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | false |
| 15 February 2023 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
Then Loan status has changed to "Closed (obligations met)"
@TestRailId:C2851 @AdvancedPaymentAllocation
Scenario: As an admin I would like to verify that reamortization works with uneven balances with advanced payment allocation(UC25)
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin sets the business date to "01 January 2023"
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_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2023 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2023" with "500" amount and expected disbursement date on "01 January 2023"
Then Loan status has changed to "Approved"
And Admin successfully disburse the loan on "01 January 2023" with "500" EUR transaction amount
Then Loan status has changed to "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 |
| | | 01 January 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 01 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 125.0 | 0 | 0 | 375.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
When Customer undo "2"th transaction made on "01 January 2023"
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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 0.0 | 0 | 0 | 500.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
When Admin sets the business date to "02 January 2023"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "02 January 2023" with 400 EUR transaction amount and self-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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 02 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 91.67 | 91.67 | 0.0 | 33.33 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 91.67 | 91.67 | 0.0 | 33.33 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 91.66 | 91.66 | 0.0 | 33.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 400.0 | 275.0 | 125.0 | 100.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
When Admin sets the business date to "04 January 2023"
And Customer makes "AUTOPAY" repayment on "04 January 2023" with 50 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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 02 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 04 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 108.34 | 108.34 | 0.0 | 16.66 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 91.66 | 91.66 | 0.0 | 33.34 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 450.0 | 325.0 | 125.0 | 50.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 04 January 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | false |
When Admin sets the business date to "06 January 2023"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "06 January 2023" with 40 EUR transaction amount and self-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 2023 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2023 | 02 January 2023 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2023 | 04 January 2023 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2023 | 06 January 2023 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 115.0 | 115.0 | 0.0 | 10.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0 | 0.0 | 0 | 500.0 | 490.0 | 365.0 | 125.0 | 10.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false |
| 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | true |
| 02 January 2023 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 04 January 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | false |
| 06 January 2023 | Merchant Issued Refund | 40.0 | 40.0 | 0.0 | 0.0 | 0.0 | 10.0 | false |
@TestRailId:C2860 @AdvancedPaymentAllocation
Scenario: Verify advanced payment allocation - future installments: NEXT_INSTALLMENT
When Admin sets the business date to "01 September 2023"
And Admin creates a client with random data
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
And Admin successfully disburse the loan on "01 September 2023" with "400" 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0 | 0.0 | 0 | 400.0 | 100.0 | 0.0 | 0.0 | 300.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
When Admin sets the business date to "16 September 2023"
And Customer makes "AUTOPAY" repayment on "16 September 2023" with 150 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 50.0 | 0.0 | 50.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0 | 0.0 | 0 | 400.0 | 250.0 | 50.0 | 0.0 | 150.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
| 16 September 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C2861 @AdvancedPaymentAllocation
Scenario: Verify advanced payment allocation - future installments: LAST_INSTALLMENT, payment on due date
When Admin sets the business date to "01 September 2023"
And Admin creates a client with random data
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
And Admin successfully disburse the loan on "01 September 2023" with "400" 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0 | 0.0 | 0 | 400.0 | 100.0 | 0.0 | 0.0 | 300.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
When Admin sets the business date to "16 September 2023"
And Customer makes "AUTOPAY" repayment on "16 September 2023" with 150 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 50.0 | 0.0 | 50.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0 | 0.0 | 0 | 400.0 | 250.0 | 50.0 | 0.0 | 150.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
| 16 September 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C2862 @AdvancedPaymentAllocation
Scenario: Verify advanced payment allocation - future installments: LAST_INSTALLMENT, payment before due date
When Admin sets the business date to "01 September 2023"
And Admin creates a client with random data
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
And Admin successfully disburse the loan on "01 September 2023" with "400" 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0 | 0.0 | 0 | 400.0 | 100.0 | 0.0 | 0.0 | 300.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
When Admin sets the business date to "10 September 2023"
And Customer makes "AUTOPAY" repayment on "10 September 2023" with 150 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 50.0 | 0.0 | 50.0 |
| 4 | 15 | 16 October 2023 | 10 September 2023 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 100.0 | 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 |
| 400.0 | 0 | 0.0 | 0 | 400.0 | 250.0 | 150.0 | 0.0 | 150.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
| 10 September 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C2863 @AdvancedPaymentAllocation
Scenario: Verify advanced payment allocation - future installments: REAMORTIZATION, payment on due date
When Admin sets the business date to "01 September 2023"
And Admin creates a client with random data
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "REAMORTIZATION" 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
And Admin successfully disburse the loan on "01 September 2023" with "400" 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0 | 0.0 | 0 | 400.0 | 100.0 | 0.0 | 0.0 | 300.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
When Admin sets the business date to "16 September 2023"
And Customer makes "AUTOPAY" repayment on "16 September 2023" with 150 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 25.0 | 25.0 | 0.0 | 75.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 25.0 | 25.0 | 0.0 | 75.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0 | 0.0 | 0 | 400.0 | 250.0 | 50.0 | 0.0 | 150.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
| 16 September 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C2864 @AdvancedPaymentAllocation
Scenario: Verify advanced payment allocation - future installments: REAMORTIZATION, payment before due date
When Admin sets the business date to "01 September 2023"
And Admin creates a client with random data
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "REAMORTIZATION" 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
And Admin successfully disburse the loan on "01 September 2023" with "400" 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0 | 0.0 | 0 | 400.0 | 100.0 | 0.0 | 0.0 | 300.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
When Admin sets the business date to "10 September 2023"
And Customer makes "AUTOPAY" repayment on "10 September 2023" with 150 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 50.0 | 0.0 | 50.0 |
| 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 50.0 | 0.0 | 50.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 50.0 | 0.0 | 50.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0 | 0.0 | 0 | 400.0 | 250.0 | 150.0 | 0.0 | 150.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
| 10 September 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C2865 @AdvancedPaymentAllocation
Scenario: Verify advanced payment allocation - future installments: REAMORTIZATION, partial payment due date, payment before next due date
When Admin sets the business date to "01 September 2023"
And Admin creates a client with random data
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "REAMORTIZATION" 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
And Admin successfully disburse the loan on "01 September 2023" with "400" 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0 | 0.0 | 0 | 400.0 | 100.0 | 0.0 | 0.0 | 300.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
When Admin sets the business date to "16 September 2023"
And Customer makes "AUTOPAY" repayment on "16 September 2023" with 80 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 80.0 | 0.0 | 0.0 | 20.0 |
| 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0 | 0.0 | 0 | 400.0 | 180.0 | 0.0 | 0.0 | 220.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
| 16 September 2023 | Repayment | 80.0 | 80.0 | 0.0 | 0.0 | 0.0 | 220.0 |
When Admin sets the business date to "20 September 2023"
And Customer makes "AUTOPAY" repayment on "20 September 2023" with 180 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | 20 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 20.0 | 0.0 |
| 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 80.0 | 80.0 | 0.0 | 20.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 80.0 | 80.0 | 0.0 | 20.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0 | 0.0 | 0 | 400.0 | 360.0 | 160.0 | 20.0 | 40.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
| 16 September 2023 | Repayment | 80.0 | 80.0 | 0.0 | 0.0 | 0.0 | 220.0 |
| 20 September 2023 | Repayment | 180.0 | 180.0 | 0.0 | 0.0 | 0.0 | 40.0 |
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C2897 @AdvancedPaymentAllocation
Scenario: Verify advanced payment allocation - future installments: LAST_INSTALLMENT, payment after due date
When Admin sets the business date to "01 September 2023"
And Admin creates a client with random data
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
And Admin successfully disburse the loan on "01 September 2023" with "400" 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0 | 0.0 | 0 | 400.0 | 100.0 | 0.0 | 0.0 | 300.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
When Admin sets the business date to "20 September 2023"
And Customer makes "AUTOPAY" repayment on "20 September 2023" with 150 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 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | 20 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 100.0 | 0.0 |
| 3 | 15 | 01 October 2023 | | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 50.0 | 0.0 | 50.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0 | 0.0 | 0 | 400.0 | 250.0 | 50.0 | 100.0 | 150.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
| 20 September 2023 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 |
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C2922
@ProgressiveLoanSchedule
@AdvancedPaymentAllocation
Scenario: Verify advanced payment allocation with progressive loan schedule with multi disbursement and with overpaid installment
When Admin sets the business date to "01 May 2023"
And Admin creates a client with random data
When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" 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_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 May 2023 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 60 | DAYS | 15 | DAYS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 May 2023" with "1000" amount and expected disbursement date on "01 May 2023"
And Admin successfully disburse the loan on "01 May 2023" with "1000" 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 May 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 May 2023 | | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
| 3 | 15 | 31 May 2023 | | 375.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
| 4 | 15 | 15 June 2023 | | 187.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
| 5 | 15 | 30 June 2023 | | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0 | 0.0 | 0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "06 May 2023"
And Customer makes "AUTOPAY" repayment on "06 May 2023" with 650 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 May 2023 | 06 May 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
| 2 | 15 | 16 May 2023 | 06 May 2023 | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
| 3 | 15 | 31 May 2023 | 06 May 2023 | 375.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
| 4 | 15 | 15 June 2023 | | 187.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 25.0 | 25.0 | 0.0 | 162.5 |
| 5 | 15 | 30 June 2023 | | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0 | 0.0 | 0 | 1000.0 | 650.0 | 400.0 | 250.0 | 350.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 06 May 2023 | Repayment | 650.0 | 650.0 | 0.0 | 0.0 | 0.0 | 350.0 |
When Admin sets the business date to "25 May 2023"
And Admin successfully disburse the loan on "25 May 2023" with "250" 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 May 2023 | 06 May 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
| 2 | 15 | 16 May 2023 | 06 May 2023 | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
| | | 25 May 2023 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 0 | 25 May 2023 | | 750.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
| 4 | 15 | 31 May 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 187.5 | 187.5 | 0.0 | 62.5 |
| 5 | 15 | 15 June 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 25.0 | 25.0 | 0.0 | 225.0 |
| 6 | 15 | 30 June 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250.0 | 0 | 0.0 | 0 | 1250.0 | 650.0 | 400.0 | 250.0 | 600.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 06 May 2023 | Repayment | 650.0 | 650.0 | 0.0 | 0.0 | 0.0 | 350.0 |
| 25 May 2023 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 600.0 |
When Admin sets the business date to "12 June 2023"
And Admin successfully disburse the loan on "12 June 2023" with "250" EUR transaction amount
Then Loan Repayment schedule has 7 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 May 2023 | 06 May 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
| 2 | 15 | 16 May 2023 | 06 May 2023 | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
| | | 25 May 2023 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 0 | 25 May 2023 | | 750.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
| 4 | 15 | 31 May 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 187.5 | 187.5 | 0.0 | 62.5 |
| | | 12 June 2023 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 5 | 0 | 12 June 2023 | | 687.5 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
| 6 | 15 | 15 June 2023 | | 343.75 | 343.75 | 0.0 | 0.0 | 0.0 | 343.75 | 25.0 | 25.0 | 0.0 | 318.75 |
| 7 | 15 | 30 June 2023 | | 0.0 | 343.75 | 0.0 | 0.0 | 0.0 | 343.75 | 0.0 | 0.0 | 0.0 | 343.75 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1500.0 | 0 | 0.0 | 0 | 1500.0 | 650.0 | 400.0 | 250.0 | 850.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 06 May 2023 | Repayment | 650.0 | 650.0 | 0.0 | 0.0 | 0.0 | 350.0 |
| 25 May 2023 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 600.0 |
| 12 June 2023 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 850.0 |
When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C2937
@ProgressiveLoanSchedule
@AdvancedPaymentAllocation
Scenario: Verify advanced payment allocation with progressive loan schedule with multi disbursement and reschedule
When Admin sets the business date to "01 May 2023"
And Admin creates a client with random data
When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" 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_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 May 2023 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 60 | DAYS | 15 | DAYS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 May 2023" with "1000" amount and expected disbursement date on "01 May 2023"
And Admin successfully disburse the loan on "01 May 2023" with "1000" 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 May 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 May 2023 | | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
| 3 | 15 | 31 May 2023 | | 375.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
| 4 | 15 | 15 June 2023 | | 187.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
| 5 | 15 | 30 June 2023 | | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0 | 0.0 | 0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "06 May 2023"
And Customer makes "AUTOPAY" repayment on "06 May 2023" with 650 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 May 2023 | 06 May 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
| 2 | 15 | 16 May 2023 | 06 May 2023 | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
| 3 | 15 | 31 May 2023 | 06 May 2023 | 375.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
| 4 | 15 | 15 June 2023 | | 187.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 25.0 | 25.0 | 0.0 | 162.5 |
| 5 | 15 | 30 June 2023 | | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0 | 0.0 | 0 | 1000.0 | 650.0 | 400.0 | 250.0 | 350.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 06 May 2023 | Repayment | 650.0 | 650.0 | 0.0 | 0.0 | 0.0 | 350.0 |
When Admin sets the business date to "25 May 2023"
When Batch API call with steps: rescheduleLoan from "15 June 2023" to "13 July 2023" submitted on date: "25 May 2023", approveReschedule on date: "25 May 2023" runs with enclosingTransaction: "true"
And Admin successfully disburse the loan on "25 May 2023" with "250" 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 May 2023 | 06 May 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
| 2 | 15 | 16 May 2023 | 06 May 2023 | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
| | | 25 May 2023 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 0 | 25 May 2023 | | 750.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
| 4 | 15 | 31 May 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 187.5 | 187.5 | 0.0 | 62.5 |
| 5 | 43 | 13 July 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 25.0 | 25.0 | 0.0 | 225.0 |
| 6 | 15 | 28 July 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250.0 | 0 | 0.0 | 0 | 1250.0 | 650.0 | 400.0 | 250.0 | 600.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 06 May 2023 | Repayment | 650.0 | 650.0 | 0.0 | 0.0 | 0.0 | 350.0 |
| 25 May 2023 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 600.0 |
When Admin sets the business date to "15 July 2023"
And Admin successfully disburse the loan on "15 July 2023" with "250" EUR transaction amount
Then Loan Repayment schedule has 7 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 May 2023 | 06 May 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
| 2 | 15 | 16 May 2023 | 06 May 2023 | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
| | | 25 May 2023 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 0 | 25 May 2023 | | 750.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
| 4 | 15 | 31 May 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 187.5 | 187.5 | 0.0 | 62.5 |
| 5 | 43 | 13 July 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 25.0 | 25.0 | 0.0 | 225.0 |
| | | 15 July 2023 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 6 | 0 | 15 July 2023 | | 437.5 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
| 7 | 15 | 28 July 2023 | | 0.0 | 437.5 | 0.0 | 0.0 | 0.0 | 437.5 | 0.0 | 0.0 | 0.0 | 437.5 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1500.0 | 0 | 0.0 | 0 | 1500.0 | 650.0 | 400.0 | 250.0 | 850.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 06 May 2023 | Repayment | 650.0 | 650.0 | 0.0 | 0.0 | 0.0 | 350.0 |
| 25 May 2023 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 600.0 |
| 15 July 2023 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 850.0 |
When Batch API call with steps: rescheduleLoan from "13 July 2023" to "13 August 2023" submitted on date: "15 July 2023", approveReschedule on date: "15 July 2023" runs with enclosingTransaction: "true"
Then Loan Repayment schedule has 7 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 May 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 May 2023 | 06 May 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
| 2 | 15 | 16 May 2023 | 06 May 2023 | 562.5 | 187.5 | 0.0 | 0.0 | 0.0 | 187.5 | 187.5 | 187.5 | 0.0 | 0.0 |
| | | 25 May 2023 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 3 | 0 | 25 May 2023 | | 750.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
| 4 | 15 | 31 May 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 187.5 | 187.5 | 0.0 | 62.5 |
| | | 15 July 2023 | | 250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 5 | 0 | 15 July 2023 | | 687.5 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 | 0.0 | 0.0 | 0.0 | 62.5 |
| 6 | 74 | 13 August 2023 | | 343.75 | 343.75 | 0.0 | 0.0 | 0.0 | 343.75 | 25.0 | 25.0 | 0.0 | 318.75 |
| 7 | 15 | 28 August 2023 | | 0.0 | 343.75 | 0.0 | 0.0 | 0.0 | 343.75 | 0.0 | 0.0 | 0.0 | 343.75 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1500.0 | 0 | 0.0 | 0 | 1500.0 | 650.0 | 400.0 | 250.0 | 850.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 06 May 2023 | Repayment | 650.0 | 650.0 | 0.0 | 0.0 | 0.0 | 350.0 |
| 25 May 2023 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 600.0 |
| 15 July 2023 | Disbursement | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 850.0 |
When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C2940 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, loan fully paid in advance
When Admin sets the business date to "01 September 2023"
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_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 September 2023 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
# Add charge after maturity
When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" due date and 20 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 0.0 | 0.0 | 0.0 | 1020.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
# Loan got fully paid in advance
And Customer makes "AUTOPAY" repayment on "01 September 2023" with 1020 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | 01 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
| 3 | 15 | 01 October 2023 | 01 September 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
| 4 | 15 | 16 October 2023 | 01 September 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
| 5 | 1 | 17 October 2023 | 01 September 2023 | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 20.0 | 20.0 | 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 | 0.0 | 0.0 | 20.0 | 1020.0 | 1020.0 | 770.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 September 2023 | Repayment | 1020.0 | 1000.0 | 0.0 | 0.0 | 20.0 | 0.0 |
| 01 September 2023 | Accrual | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | 0.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
@TestRailId:C2941 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, loan fully paid in advance
When Admin sets the business date to "01 September 2023"
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_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL | 01 September 2023 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
# Add charge after maturity
When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" due date and 20 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 0.0 | 0.0 | 0.0 | 1020.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
# Loan got fully paid in advance
And Customer makes "AUTOPAY" repayment on "01 September 2023" with 1020 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | 01 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
| 3 | 15 | 01 October 2023 | 01 September 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
| 4 | 15 | 16 October 2023 | 01 September 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
| 5 | 1 | 17 October 2023 | 01 September 2023 | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 20.0 | 20.0 | 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 | 0.0 | 0.0 | 20.0 | 1020.0 | 1020.0 | 770.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 September 2023 | Repayment | 1020.0 | 1000.0 | 0.0 | 0.0 | 20.0 | 0.0 |
| 01 September 2023 | Accrual | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | 0.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
@TestRailId:C2942 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, loan overpaid in advance
When Admin sets the business date to "01 September 2023"
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_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 September 2023 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
# Add charge after maturity
When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" due date and 20 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 0.0 | 0.0 | 0.0 | 1020.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
# Loan got overpaid in advance
And Customer makes "AUTOPAY" repayment on "01 September 2023" with 1120 EUR transaction amount
Then Loan status will be "OVERPAID"
Then Loan has 0 outstanding amount
Then Loan has 100 overpaid 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | 01 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
| 3 | 15 | 01 October 2023 | 01 September 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
| 4 | 15 | 16 October 2023 | 01 September 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
| 5 | 1 | 17 October 2023 | 01 September 2023 | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 20.0 | 20.0 | 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 | 0.0 | 0.0 | 20.0 | 1020.0 | 1020.0 | 770.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 September 2023 | Repayment | 1120.0 | 1000.0 | 0.0 | 0.0 | 20.0 | 0.0 |
| 01 September 2023 | Accrual | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | 0.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
@TestRailId:C2943 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, loan overpaid in advance
When Admin sets the business date to "01 September 2023"
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_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL | 01 September 2023 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
# Add charge after maturity
When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" due date and 20 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 0.0 | 0.0 | 0.0 | 1020.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
# Loan got overpaid in advance
And Customer makes "AUTOPAY" repayment on "01 September 2023" with 1120 EUR transaction amount
Then Loan status will be "OVERPAID"
Then Loan has 0 outstanding amount
Then Loan has 100 overpaid 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | 01 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
| 3 | 15 | 01 October 2023 | 01 September 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
| 4 | 15 | 16 October 2023 | 01 September 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
| 5 | 1 | 17 October 2023 | 01 September 2023 | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 20.0 | 20.0 | 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 | 0.0 | 0.0 | 20.0 | 1020.0 | 1020.0 | 770.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 September 2023 | Repayment | 1120.0 | 1000.0 | 0.0 | 0.0 | 20.0 | 0.0 |
| 01 September 2023 | Accrual | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | 0.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
@TestRailId:C2944 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, in advanced repayment (future installment type: NEXT_INSTALLMENT)
When Admin sets the business date to "01 September 2023"
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_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 September 2023 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
# Add charge after maturity
When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" due date and 20 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 0.0 | 0.0 | 0.0 | 1020.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
# Make due date repayments
And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
When Admin sets the business date to "16 September 2023"
And Customer makes "AUTOPAY" repayment on "16 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 500.0 | 0.0 | 0.0 | 520.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
| 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
# Make charges for the next installments
When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" due date and 20 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
| 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
| 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
| NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
| NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
# Make in advance payment (future installment type: NEXT_INSTALLMENT)
When Admin sets the business date to "17 September 2023"
And Customer makes "AUTOPAY" repayment on "17 September 2023" with 100 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 100.0 | 100.0 | 0.0 | 170.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
| 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 60.0 | 1060.0 | 600.0 | 100.0 | 0.0 | 460.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
| 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 17 September 2023 | Repayment | 100.0 | 80.0 | 0.0 | 0.0 | 20.0 | 420.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
| NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
| NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
@TestRailId:C2945 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, in advanced repayment (future installment type: NEXT_INSTALLMENT)
When Admin sets the business date to "01 September 2023"
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_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL | 01 September 2023 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
When Admin successfully disburse the loan on "01 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
# Add charge after maturity
When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" due date and 20 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 0.0 | 0.0 | 0.0 | 1020.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
# Make due date repayments
And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
When Admin sets the business date to "16 September 2023"
And Customer makes "AUTOPAY" repayment on "16 September 2023" 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 500.0 | 0.0 | 0.0 | 520.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
| 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
# Make charges for the next installments
When Admin adds "LOAN_NSF_FEE" due date charge with "17 September 2023" due date and 20 EUR transaction amount
When Admin adds "LOAN_NSF_FEE" due date charge with "16 October 2023" due date and 20 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 0.0 | 0.0 | 0.0 | 270.0 |
| 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 60.0 | 1060.0 | 500.0 | 0.0 | 0.0 | 560.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
| 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
| NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
| NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
# Make in advance payment (future installment type: NEXT_INSTALLMENT)
When Admin sets the business date to "17 September 2023"
And Customer makes "AUTOPAY" repayment on "17 September 2023" with 100 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | 16 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 60.0 | 60.0 | 0.0 | 210.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 20.0 | 20.0 | 0.0 | 250.0 |
| 5 | 1 | 17 October 2023 | 17 September 2023 | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 20.0 | 20.0 | 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 | 0.0 | 0.0 | 60.0 | 1060.0 | 600.0 | 100.0 | 0.0 | 460.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
| 16 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 17 September 2023 | Repayment | 100.0 | 40.0 | 0.0 | 0.0 | 60.0 | 460.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
| NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |
| NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 |