| @LoanFeature |
| Feature: Loan - Part3 |
| |
| @TestRailId:C2946 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) - amount < past due charge |
| 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 late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) |
| When Admin sets the business date to "17 October 2023" |
| When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 October 2023" with 15 EUR transaction amount and system-generated Idempotency key |
| 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 | 15.0 | 0.0 | 15.0 | 255.0 | |
| | 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 | 515.0 | 0.0 | 15.0 | 545.0 | |
| 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 October 2023 | Goodwill Credit | 15.0 | 0.0 | 0.0 | 0.0 | 15.0 | 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 | 15.0 | 0.0 | 5.0 | |
| |
| @TestRailId:C2947 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) - amount < past due charge |
| 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 late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) |
| When Admin sets the business date to "17 October 2023" |
| When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 October 2023" with 15 EUR transaction amount and system-generated Idempotency key |
| 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 | 15.0 | 0.0 | 15.0 | 255.0 | |
| | 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 | 515.0 | 0.0 | 15.0 | 545.0 | |
| 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 October 2023 | Goodwill Credit | 15.0 | 0.0 | 0.0 | 0.0 | 15.0 | 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 | 15.0 | 0.0 | 5.0 | |
| |
| @TestRailId:C2948 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) - amount > first past due charge |
| 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 late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) |
| When Admin sets the business date to "17 October 2023" |
| When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 October 2023" with 35 EUR transaction amount and system-generated Idempotency key |
| 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 | 35.0 | 0.0 | 35.0 | 235.0 | |
| | 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 | 535.0 | 0.0 | 35.0 | 525.0 | |
| 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 October 2023 | Goodwill Credit | 35.0 | 15.0 | 0.0 | 0.0 | 20.0 | 485.0 | |
| 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:C2949 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) - amount > first past due charge |
| 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 late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) |
| When Admin sets the business date to "17 October 2023" |
| When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 October 2023" with 35 EUR transaction amount and system-generated Idempotency key |
| 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 | 20.0 | 0.0 | 20.0 | 250.0 | |
| | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 15.0 | 0.0 | 15.0 | 255.0 | |
| | 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 | 535.0 | 0.0 | 35.0 | 525.0 | |
| 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 October 2023 | Goodwill Credit | 35.0 | 0.0 | 0.0 | 0.0 | 35.0 | 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 | 15.0 | 0.0 | 5.0 | |
| | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 | |
| |
| @TestRailId:C2950 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) - amount > sum past due charges |
| 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 late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) |
| When Admin sets the business date to "17 October 2023" |
| When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 October 2023" with 350 EUR transaction amount and system-generated Idempotency key |
| 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 | 17 October 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 270.0 | 0.0 | 270.0 | 0.0 | |
| | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 80.0 | 0.0 | 80.0 | 190.0 | |
| | 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 | 850.0 | 0.0 | 350.0 | 210.0 | |
| 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 October 2023 | Goodwill Credit | 350.0 | 310.0 | 0.0 | 0.0 | 40.0 | 190.0 | |
| 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 | 20.0 | 0.0 | 0.0 | |
| | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 | |
| |
| @TestRailId:C2951 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) - amount > sum past due charges |
| 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 late Goodwill credit transaction (future installment type: LAST_INSTALLMENT) |
| When Admin sets the business date to "17 October 2023" |
| When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 October 2023" with 350 EUR transaction amount and system-generated Idempotency key |
| 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 | 17 October 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 270.0 | 0.0 | 270.0 | 0.0 | |
| | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 80.0 | 0.0 | 80.0 | 190.0 | |
| | 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 | 850.0 | 0.0 | 350.0 | 210.0 | |
| 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 October 2023 | Goodwill Credit | 350.0 | 310.0 | 0.0 | 0.0 | 40.0 | 190.0 | |
| 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 | 20.0 | 0.0 | 0.0 | |
| | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 20.0 | 0.0 | 0.0 | |
| |
| @TestRailId:C2952 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, in advanced Goodwill credit transaction on first charge due date (future installment type: LAST_INSTALLMENT) - amount > due date charge |
| 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 advanced Goodwill credit transaction (future installment type: LAST_INSTALLMENT) |
| When Admin sets the business date to "17 September 2023" |
| When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 September 2023" with 35 EUR transaction amount and system-generated Idempotency key |
| 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 | 15.0 | 15.0 | 0.0 | 255.0 | |
| | 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 | 535.0 | 35.0 | 0.0 | 525.0 | |
| 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 | Goodwill Credit | 35.0 | 0.0 | 0.0 | 0.0 | 35.0 | 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 | 20.0 | 0.0 | 0.0 | |
| | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 15.0 | 0.0 | 5.0 | |
| | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 | |
| |
| @TestRailId:C2953 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, in advanced Goodwill credit transaction on first charge due date (future installment type: LAST_INSTALLMENT) - amount > due date charge |
| 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 advanced Goodwill credit transaction (future installment type: LAST_INSTALLMENT) |
| When Admin sets the business date to "17 September 2023" |
| When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 September 2023" with 35 EUR transaction amount and system-generated Idempotency key |
| 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 | 15.0 | 15.0 | 0.0 | 255.0 | |
| | 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 | 535.0 | 35.0 | 0.0 | 525.0 | |
| 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 | Goodwill Credit | 35.0 | 0.0 | 0.0 | 0.0 | 35.0 | 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 | 20.0 | 0.0 | 0.0 | |
| | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 15.0 | 0.0 | 5.0 | |
| | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 | |
| |
| @TestRailId:C2954 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, in advanced Goodwill credit transaction before first charge due date (future installment type: LAST_INSTALLMENT) - amount > first and second charge |
| 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 | |
| When Admin sets the business date to "17 September 2023" |
| # Make in advanced Goodwill credit transaction (future installment type: LAST_INSTALLMENT) |
| When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 September 2023" with 35 EUR transaction amount and system-generated Idempotency key |
| 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 | 15.0 | 15.0 | 0.0 | 255.0 | |
| | 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 | 535.0 | 35.0 | 0.0 | 525.0 | |
| 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 | Goodwill Credit | 35.0 | 0.0 | 0.0 | 0.0 | 35.0 | 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 | 20.0 | 0.0 | 0.0 | |
| | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 15.0 | 0.0 | 5.0 | |
| | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 | |
| |
| @TestRailId:C2955 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, in advanced Goodwill credit transaction before first charge due date (future installment type: LAST_INSTALLMENT) - amount > first and second charge |
| 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 | |
| When Admin sets the business date to "17 September 2023" |
| # Make in advanced Goodwill credit transaction (future installment type: LAST_INSTALLMENT) |
| When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 September 2023" with 35 EUR transaction amount and system-generated Idempotency key |
| 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 | 15.0 | 15.0 | 0.0 | 255.0 | |
| | 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 | 535.0 | 35.0 | 0.0 | 525.0 | |
| 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 | Goodwill Credit | 35.0 | 0.0 | 0.0 | 0.0 | 35.0 | 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 | 20.0 | 0.0 | 0.0 | |
| | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 15.0 | 0.0 | 5.0 | |
| | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 | |
| |
| @TestRailId:C2956 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, in advanced Merchant issued refund transaction on first charge due date (future installment type: REAMORTIZATION) - amount < sum all charges |
| 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 advanced Merchant issued refund transaction (future installment type: REAMORTIZATION) |
| When Admin sets the business date to "17 September 2023" |
| When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "17 September 2023" with 30 EUR transaction amount and system-generated Idempotency key |
| 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 | 10.0 | 10.0 | 0.0 | 260.0 | |
| | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 10.0 | 10.0 | 0.0 | 260.0 | |
| | 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 10.0 | 10.0 | 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 | |
| | 1000.0 | 0.0 | 0.0 | 60.0 | 1060.0 | 530.0 | 30.0 | 0.0 | 530.0 | |
| 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 | Merchant Issued Refund | 30.0 | 0.0 | 0.0 | 0.0 | 30.0 | 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 | 10.0 | 0.0 | 10.0 | |
| | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 | |
| | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 | |
| |
| @TestRailId:C2957 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, in advanced Merchant issued refund transaction on first charge due date (future installment type: REAMORTIZATION) - amount < sum all charges |
| 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 advanced Merchant issued refund transaction (future installment type: REAMORTIZATION) |
| When Admin sets the business date to "17 September 2023" |
| When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "17 September 2023" with 30 EUR transaction amount and system-generated Idempotency key |
| 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 | 10.0 | 10.0 | 0.0 | 260.0 | |
| | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 10.0 | 10.0 | 0.0 | 260.0 | |
| | 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 10.0 | 10.0 | 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 | |
| | 1000.0 | 0.0 | 0.0 | 60.0 | 1060.0 | 530.0 | 30.0 | 0.0 | 530.0 | |
| 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 | Merchant Issued Refund | 30.0 | 0.0 | 0.0 | 0.0 | 30.0 | 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 | 10.0 | 0.0 | 10.0 | |
| | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 | |
| | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 | |
| |
| @TestRailId:C2958 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, in advanced Merchant issued refund transaction before first charge due date (future installment type: REAMORTIZATION) - amount < sum all charges |
| 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 | |
| When Admin sets the business date to "17 September 2023" |
| # Make in advanced Merchant issued refund transaction (future installment type: REAMORTIZATION) |
| When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "17 September 2023" with 30 EUR transaction amount and system-generated Idempotency key |
| 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 | 10.0 | 10.0 | 0.0 | 260.0 | |
| | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 10.0 | 10.0 | 0.0 | 260.0 | |
| | 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 10.0 | 10.0 | 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 | |
| | 1000.0 | 0.0 | 0.0 | 60.0 | 1060.0 | 530.0 | 30.0 | 0.0 | 530.0 | |
| 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 | Merchant Issued Refund | 30.0 | 0.0 | 0.0 | 0.0 | 30.0 | 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 | 10.0 | 0.0 | 10.0 | |
| | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 | |
| | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 | |
| |
| @TestRailId:C2959 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, charge after maturity, in advanced Merchant issued refund transaction before first charge due date (future installment type: REAMORTIZATION) - amount < sum all charges |
| 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 | |
| When Admin sets the business date to "17 September 2023" |
| # Make in advanced Merchant issued refund transaction (future installment type: REAMORTIZATION) |
| When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "17 September 2023" with 30 EUR transaction amount and system-generated Idempotency key |
| 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 | 10.0 | 10.0 | 0.0 | 260.0 | |
| | 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 20.0 | 270.0 | 10.0 | 10.0 | 0.0 | 260.0 | |
| | 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 10.0 | 10.0 | 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 | |
| | 1000.0 | 0.0 | 0.0 | 60.0 | 1060.0 | 530.0 | 30.0 | 0.0 | 530.0 | |
| 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 | Merchant Issued Refund | 30.0 | 0.0 | 0.0 | 0.0 | 30.0 | 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 | 10.0 | 0.0 | 10.0 | |
| | NSF fee | true | Specified due date | 16 October 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 | |
| | NSF fee | true | Specified due date | 17 September 2023 | Flat | 20.0 | 10.0 | 0.0 | 10.0 | |
| |
| @TestRailId:C2960 @AdvancedPaymentAllocation |
| Scenario: Verify that rounding in case of multiple installments works properly |
| 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 | |
| | LP1 | 01 September 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER | |
| 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 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 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 01 October 2023 | | 833.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | |
| | 2 | 31 | 01 November 2023 | | 666.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | |
| | 3 | 30 | 01 December 2023 | | 499.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | |
| | 4 | 31 | 01 January 2024 | | 332.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | |
| | 5 | 31 | 01 February 2024 | | 165.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | 0.0 | 0.0 | 0.0 | 167.0 | |
| | 6 | 29 | 01 March 2024 | | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | 0.0 | 0.0 | 0.0 | 165.0 | |
| 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 | |
| |
| @TestRailId:C2976 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify that disbursement amount only distributed only to future installments (2nd and 3rd installments) |
| 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 | 3 | MONTHS | 1 | MONTHS | 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 | 30 | 01 October 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 3 | 31 | 01 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 30 | 01 December 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 | |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "1 September 2023" due date and 50 EUR transaction amount |
| And Customer makes "AUTOPAY" repayment on "1 September 2023" with 250 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 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 30 | 01 October 2023 | | 500.0 | 250.0 | 0.0 | 50.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | |
| | 3 | 31 | 01 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 30 | 01 December 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 | 50.0 | 0.0 | 1050.0 | 250.0 | 0.0 | 0.0 | 800.0 | |
| When Admin sets the business date to "01 October 2023" |
| When Admin successfully disburse the loan on "01 October 2023" with "400" 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 | 30 | 01 October 2023 | | 500.0 | 250.0 | 0.0 | 50.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | |
| | | | 01 October 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 3 | 0 | 01 October 2023 | | 800.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | |
| | 4 | 31 | 01 November 2023 | | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | |
| | 5 | 30 | 01 December 2023 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1400.0 | 0.0 | 50.0 | 0.0 | 1450.0 | 250.0 | 0.0 | 0.0 | 1200.0 | |
| |
| @TestRailId:C2977 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify that disbursement amount only distributed only to future installments (1st, 2nd and 3rd installments) |
| 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 | 3 | MONTHS | 1 | MONTHS | 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 | 30 | 01 October 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 3 | 31 | 01 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 30 | 01 December 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 | |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "1 September 2023" due date and 50 EUR transaction amount |
| And Customer makes "AUTOPAY" repayment on "1 September 2023" with 250 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 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 30 | 01 October 2023 | | 500.0 | 250.0 | 0.0 | 50.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | |
| | 3 | 31 | 01 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 30 | 01 December 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 | 50.0 | 0.0 | 1050.0 | 250.0 | 0.0 | 0.0 | 800.0 | |
| When Admin successfully disburse the loan on "01 September 2023" with "400" 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 | | | | |
| | | | 01 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 September 2023 | 01 September 2023 | 1150.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 0 | 01 September 2023 | | 1050.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | |
| | 3 | 30 | 01 October 2023 | | 700.0 | 350.0 | 0.0 | 50.0 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | |
| | 4 | 31 | 01 November 2023 | | 350.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | |
| | 5 | 30 | 01 December 2023 | | 0.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1400.0 | 0.0 | 50.0 | 0.0 | 1450.0 | 250.0 | 0.0 | 0.0 | 1200.0 | |
| |
| @TestRailId:C2978 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify that multiple disbursement amount only distributed only to future installments (2nd and 3rd installments) |
| 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 | 3 | MONTHS | 1 | MONTHS | 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 | 30 | 01 October 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 3 | 31 | 01 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 30 | 01 December 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 | |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "1 September 2023" due date and 50 EUR transaction amount |
| And Customer makes "AUTOPAY" repayment on "1 September 2023" with 250 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 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 30 | 01 October 2023 | | 500.0 | 250.0 | 0.0 | 50.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | |
| | 3 | 31 | 01 November 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 30 | 01 December 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 | 50.0 | 0.0 | 1050.0 | 250.0 | 0.0 | 0.0 | 800.0 | |
| When Admin sets the business date to "01 October 2023" |
| When Admin successfully disburse the loan on "01 October 2023" with "400" EUR transaction amount |
| When Admin successfully disburse the loan on "01 October 2023" with "80" 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 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 | 30 | 01 October 2023 | | 500.0 | 250.0 | 0.0 | 50.0 | 0.0 | 300.0 | 0.0 | 0.0 | 0.0 | 300.0 | |
| | | | 01 October 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | | | 01 October 2023 | | 80.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 3 | 0 | 01 October 2023 | | 880.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | |
| | 4 | 0 | 01 October 2023 | | 860.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | |
| | 5 | 31 | 01 November 2023 | | 430.0 | 430.0 | 0.0 | 0.0 | 0.0 | 430.0 | 0.0 | 0.0 | 0.0 | 430.0 | |
| | 6 | 30 | 01 December 2023 | | 0.0 | 430.0 | 0.0 | 0.0 | 0.0 | 430.0 | 0.0 | 0.0 | 0.0 | 430.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1480.0 | 0.0 | 50.0 | 0.0 | 1530.0 | 250.0 | 0.0 | 0.0 | 1280.0 | |
| |
| @TestRailId:C2986 @AdvancedPaymentAllocation |
| Scenario: As an admin I would like to verify that refund is working with advanced payment allocation |
| 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" |
| When Admin sets the business date to "11 January 2023" |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "11 January 2023" due date and 20 EUR transaction amount |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "21 January 2023" due date and 20 EUR transaction amount |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "11 February 2023" due date and 20 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 | | 250.0 | 125.0 | 0.0 | 20.0 | 0.0 | 145.0 | 0.0 | 0.0 | 0.0 | 145.0 | |
| | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 20.0 | 0.0 | 145.0 | 0.0 | 0.0 | 0.0 | 145.0 | |
| | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 20.0 | 0.0 | 145.0 | 0.0 | 0.0 | 0.0 | 145.0 | |
| 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 | 60.0 | 0 | 560.0 | 125.0 | 0 | 0 | 435.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | |
| | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | |
| When Admin sets the business date to "16 January 2023" |
| And Customer makes "AUTOPAY" repayment on "16 January 2023" with 315 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 | 20.0 | 0.0 | 145.0 | 145.0 | 0.0 | 0.0 | 0.0 | |
| | 3 | 15 | 31 January 2023 | 16 January 2023 | 125.0 | 125.0 | 0.0 | 20.0 | 0.0 | 145.0 | 145.0 | 145.0 | 0.0 | 0.0 | |
| | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 20.0 | 0.0 | 145.0 | 25.0 | 25.0 | 0.0 | 120.0 | |
| 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 | 60.0 | 0 | 560.0 | 440.0 | 170 | 0 | 120.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | |
| | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | |
| | 16 January 2023 | Repayment | 315.0 | 255.0 | 0.0 | 60.0 | 0.0 | |
| When Admin sets the business date to "17 January 2023" |
| And Admin makes "REFUND_BY_CASH" transaction with "AUTOPAY" payment type on "17 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 | 20.0 | 0.0 | 145.0 | 145.0 | 0.0 | 0.0 | 0.0 | |
| | 3 | 15 | 31 January 2023 | | 125.0 | 125.0 | 0.0 | 20.0 | 0.0 | 145.0 | 20.0 | 20.0 | 0.0 | 125.0 | |
| | 4 | 15 | 15 February 2023 | | 0.0 | 125.0 | 0.0 | 20.0 | 0.0 | 145.0 | 0.0 | 0.0 | 0.0 | 145.0 | |
| 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 | 60.0 | 0 | 560.0 | 290.0 | 20 | 0 | 270.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | |
| | 01 January 2023 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 01 January 2023 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | |
| | 16 January 2023 | Repayment | 315.0 | 255.0 | 0.0 | 60.0 | 0.0 | |
| | 17 January 2023 | Refund | 150.0 | 130.0 | 0.0 | 20.0 | 0.0 | |
| |
| @TestRailId:C3042 @AdvancedPaymentAllocation |
| Scenario: Verify that second disbursement is working on overpaid accounts in case of NEXT_INSTALLMENT future installment allocation rule |
| When Admin sets the business date to "01 January 2024" |
| When 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 January 2024 | 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 January 2024" with "1000" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount |
| When Admin sets the business date to "16 January 2024" |
| And Customer makes "AUTOPAY" repayment on "16 January 2024" with 500 EUR transaction amount |
| Then Loan status will be "OVERPAID" |
| Then Loan has 125 overpaid amount |
| When Admin successfully disburse the loan on "16 January 2024" with "500" EUR transaction amount |
| Then Loan status will be "ACTIVE" |
| Then Loan has 375 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 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 15 | 16 January 2024 | 16 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | |
| | | | 16 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 3 | 0 | 16 January 2024 | 16 January 2024 | 625.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | |
| | 4 | 15 | 31 January 2024 | | 313.0 | 312.0 | 0.0 | 0.0 | 0.0 | 312.0 | 125.0 | 125.0 | 0.0 | 187.0 | |
| | 5 | 15 | 15 February 2024 | | 0.0 | 313.0 | 0.0 | 0.0 | 0.0 | 313.0 | 125.0 | 125.0 | 0.0 | 188.0 | |
| 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 | 1000.0 | 625.0 | 250.0 | 0 | 375.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | |
| | 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | |
| | 16 January 2024 | Repayment | 500.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 16 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 375.0 | |
| When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| |
| @TestRailId:C3043 @AdvancedPaymentAllocation |
| Scenario: Verify that second disbursement is working on overpaid accounts in case of REAMORTIZATION future installment allocation rule |
| When Admin sets the business date to "01 January 2024" |
| When 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 January 2024 | 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 January 2024" with "1000" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount |
| When Admin sets the business date to "16 January 2024" |
| When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "16 January 2024" with 500 EUR transaction amount and system-generated Idempotency key |
| Then Loan status will be "OVERPAID" |
| Then Loan has 125 overpaid amount |
| When Admin successfully disburse the loan on "16 January 2024" with "500" EUR transaction amount |
| Then Loan status will be "ACTIVE" |
| Then Loan has 375 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 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 15 | 16 January 2024 | 16 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | |
| | | | 16 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 3 | 0 | 16 January 2024 | 16 January 2024 | 625.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | |
| | 4 | 15 | 31 January 2024 | | 313.0 | 312.0 | 0.0 | 0.0 | 0.0 | 312.0 | 125.0 | 125.0 | 0.0 | 187.0 | |
| | 5 | 15 | 15 February 2024 | | 0.0 | 313.0 | 0.0 | 0.0 | 0.0 | 313.0 | 125.0 | 125.0 | 0.0 | 188.0 | |
| 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 | 1000.0 | 625.0 | 250.0 | 0 | 375.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | |
| | 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | |
| | 16 January 2024 | Payout Refund | 500.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 16 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 375.0 | |
| When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| |
| @TestRailId:C3046 @AdvancedPaymentAllocation |
| Scenario: Verify that principal due is correct in case of second disbursement on overpaid loan |
| When Admin sets the business date to "01 February 2024" |
| When 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 February 2024 | 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 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "200" EUR transaction amount |
| When Admin sets the business date to "02 February 2024" |
| When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "02 February 2024" with 200 EUR transaction amount and system-generated Idempotency key |
| Then Loan status will be "OVERPAID" |
| Then Loan has 50 overpaid amount |
| When Admin successfully disburse the loan on "02 February 2024" with "160" 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 February 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | 01 February 2024 | 150.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | |
| | | | 02 February 2024 | | 160.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 0 | 02 February 2024 | 02 February 2024 | 270.0 | 40.0 | 0.0 | 0.0 | 0.0 | 40.0 | 40.0 | 0.0 | 0.0 | 0.0 | |
| | 3 | 15 | 16 February 2024 | | 180.0 | 90.0 | 0.0 | 0.0 | 0.0 | 90.0 | 53.33 | 53.33 | 0.0 | 36.67 | |
| | 4 | 15 | 02 March 2024 | | 90.0 | 90.0 | 0.0 | 0.0 | 0.0 | 90.0 | 53.33 | 53.33 | 0.0 | 36.67 | |
| | 5 | 15 | 17 March 2024 | | 0.0 | 90.0 | 0.0 | 0.0 | 0.0 | 90.0 | 53.34 | 53.34 | 0.0 | 36.66 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 360.0 | 0 | 0.0 | 0 | 360.0 | 250.0 | 160.0 | 0 | 110.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 February 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | |
| | 01 February 2024 | Down Payment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | |
| | 02 February 2024 | Payout Refund | 200.0 | 150.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 02 February 2024 | Disbursement | 160.0 | 0.0 | 0.0 | 0.0 | 0.0 | 110.0 | |
| When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| |
| @TestRailId:C3049 @AdvancedPaymentAllocation |
| Scenario: Verify that second disbursement on overpaid loan is correct when disbursement amount is lower than overpayment amount |
| When Admin sets the business date to "01 February 2024" |
| When 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 February 2024 | 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 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "200" EUR transaction amount |
| When Admin sets the business date to "02 February 2024" |
| When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "02 February 2024" with 200 EUR transaction amount and system-generated Idempotency key |
| Then Loan status will be "OVERPAID" |
| Then Loan has 50 overpaid amount |
| When Admin successfully disburse the loan on "02 February 2024" with "28" 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 February 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | 01 February 2024 | 150.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | |
| | | | 02 February 2024 | | 28.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 0 | 02 February 2024 | 02 February 2024 | 171.0 | 7.0 | 0.0 | 0.0 | 0.0 | 7.0 | 7.0 | 0.0 | 0.0 | 0.0 | |
| | 3 | 15 | 16 February 2024 | 02 February 2024 | 114.0 | 57.0 | 0.0 | 0.0 | 0.0 | 57.0 | 57.0 | 57.0 | 0.0 | 0.0 | |
| | 4 | 15 | 02 March 2024 | 02 February 2024 | 57.0 | 57.0 | 0.0 | 0.0 | 0.0 | 57.0 | 57.0 | 57.0 | 0.0 | 0.0 | |
| | 5 | 15 | 17 March 2024 | 02 February 2024 | 0.0 | 57.0 | 0.0 | 0.0 | 0.0 | 57.0 | 57.0 | 57.0 | 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 | |
| | 228.0 | 0 | 0.0 | 0 | 228.0 | 228.0 | 171.0 | 0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 February 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | |
| | 01 February 2024 | Down Payment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | |
| | 02 February 2024 | Payout Refund | 200.0 | 150.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 02 February 2024 | Disbursement | 28.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| Then Loan status will be "OVERPAID" |
| Then Loan has 22 overpaid amount |
| When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| |
| @TestRailId:C3068 @AdvancedPaymentAllocation |
| Scenario: Verify that Fraud flag can be applied on loan is its every status |
| When Admin sets the business date to "01 February 2024" |
| When 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 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| Then Loan status will be "SUBMITTED_AND_PENDING_APPROVAL" |
| Then Admin can successfully set Fraud flag to the loan |
| Then Admin can successfully unset Fraud flag to the loan |
| And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| Then Loan status will be "APPROVED" |
| Then Admin can successfully set Fraud flag to the loan |
| Then Admin can successfully unset Fraud flag to the loan |
| When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount |
| Then Loan status will be "ACTIVE" |
| Then Admin can successfully set Fraud flag to the loan |
| Then Admin can successfully unset Fraud flag to the loan |
| When Admin sets the business date to "02 February 2024" |
| And Customer makes "AUTOPAY" repayment on "02 February 2024" with 100 EUR transaction amount |
| Then Loan status will be "ACTIVE" |
| Then Admin can successfully set Fraud flag to the loan |
| Then Admin can successfully unset Fraud flag to the loan |
| When Admin sets the business date to "03 February 2024" |
| And Customer makes "AUTOPAY" repayment on "03 February 2024" with 750 EUR transaction amount |
| Then Loan status will be "OVERPAID" |
| Then Loan has 100 overpaid amount |
| Then Admin can successfully set Fraud flag to the loan |
| Then Admin can successfully unset Fraud flag to the loan |
| When Admin sets the business date to "04 February 2024" |
| When Customer undo "1"th "Repayment" transaction made on "02 February 2024" |
| Then Loan status will be "CLOSED_OBLIGATIONS_MET" |
| Then Admin can successfully set Fraud flag to the loan |
| Then Admin can successfully unset Fraud flag to the loan |
| |
| @TestRailId:C3090 |
| Scenario: Verify that disbursement can be done on overpaid loan in case of cummulative loan schedule |
| When Admin sets the business date to "01 February 2024" |
| When 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 | 01 February 2024 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE | |
| And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount |
| When Admin sets the business date to "02 February 2024" |
| And Customer makes "AUTOPAY" repayment on "02 February 2024" with 800 EUR transaction amount |
| Then Loan status will be "OVERPAID" |
| Then Loan has 50 overpaid amount |
| When Admin sets the business date to "03 February 2024" |
| When Admin successfully disburse the loan on "03 February 2024" with "20" EUR transaction amount |
| Then Loan status will be "OVERPAID" |
| Then Loan has 30 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | |
| | | | 03 February 2024 | | 20.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 0 | 03 February 2024 | 02 February 2024 | 765.0 | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 5.0 | 5.0 | 0.0 | 0.0 | |
| | 3 | 29 | 01 March 2024 | 02 February 2024 | 510.0 | 255.0 | 0.0 | 0.0 | 0.0 | 255.0 | 255.0 | 255.0 | 0.0 | 0.0 | |
| | 4 | 31 | 01 April 2024 | 02 February 2024 | 255.0 | 255.0 | 0.0 | 0.0 | 0.0 | 255.0 | 255.0 | 255.0 | 0.0 | 0.0 | |
| | 5 | 30 | 01 May 2024 | 02 February 2024 | 0.0 | 255.0 | 0.0 | 0.0 | 0.0 | 255.0 | 255.0 | 255.0 | 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 | |
| | 1020.0 | 0 | 0.0 | 0 | 1020.0 | 1020.0 | 770.0 | 0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| | 01 February 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | |
| | 02 February 2024 | Repayment | 800.0 | 770.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 03 February 2024 | Disbursement | 20.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| When Admin sets the business date to "04 February 2024" |
| When Admin successfully disburse the loan on "04 February 2024" with "30" EUR transaction amount |
| Then Loan status will be "CLOSED_OBLIGATIONS_MET" |
| 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | |
| | | | 03 February 2024 | | 20.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 0 | 03 February 2024 | 02 February 2024 | 765.0 | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 5.0 | 5.0 | 0.0 | 0.0 | |
| | | | 04 February 2024 | | 30.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 3 | 0 | 04 February 2024 | 02 February 2024 | 787.0 | 8.0 | 0.0 | 0.0 | 0.0 | 8.0 | 8.0 | 8.0 | 0.0 | 0.0 | |
| | 4 | 29 | 01 March 2024 | 02 February 2024 | 524.0 | 263.0 | 0.0 | 0.0 | 0.0 | 263.0 | 263.0 | 263.0 | 0.0 | 0.0 | |
| | 5 | 31 | 01 April 2024 | 02 February 2024 | 261.0 | 263.0 | 0.0 | 0.0 | 0.0 | 263.0 | 263.0 | 263.0 | 0.0 | 0.0 | |
| | 6 | 30 | 01 May 2024 | 02 February 2024 | 0.0 | 261.0 | 0.0 | 0.0 | 0.0 | 261.0 | 261.0 | 261.0 | 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 | |
| | 1050.0 | 0 | 0.0 | 0 | 1050.0 | 1050.0 | 800.0 | 0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| | 01 February 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | |
| | 02 February 2024 | Repayment | 800.0 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 03 February 2024 | Disbursement | 20.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 04 February 2024 | Disbursement | 30.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| When Admin sets the business date to "05 February 2024" |
| When Admin successfully disburse the loan on "05 February 2024" with "40" EUR transaction amount |
| Then Loan status will be "ACTIVE" |
| Then Loan has 30 outstanding 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | |
| | | | 03 February 2024 | | 20.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 0 | 03 February 2024 | 02 February 2024 | 765.0 | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 5.0 | 5.0 | 0.0 | 0.0 | |
| | | | 04 February 2024 | | 30.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 3 | 0 | 04 February 2024 | 02 February 2024 | 787.0 | 8.0 | 0.0 | 0.0 | 0.0 | 8.0 | 8.0 | 8.0 | 0.0 | 0.0 | |
| | | | 05 February 2024 | | 40.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 4 | 0 | 05 February 2024 | 02 February 2024 | 817.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | 10.0 | 10.0 | 0.0 | 0.0 | |
| | 5 | 29 | 01 March 2024 | 02 February 2024 | 544.0 | 273.0 | 0.0 | 0.0 | 0.0 | 273.0 | 273.0 | 273.0 | 0.0 | 0.0 | |
| | 6 | 31 | 01 April 2024 | 02 February 2024 | 271.0 | 273.0 | 0.0 | 0.0 | 0.0 | 273.0 | 273.0 | 273.0 | 0.0 | 0.0 | |
| | 7 | 30 | 01 May 2024 | | 0.0 | 271.0 | 0.0 | 0.0 | 0.0 | 271.0 | 241.0 | 241.0 | 0.0 | 30.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1090.0 | 0 | 0.0 | 0 | 1090.0 | 1060.0 | 810.0 | 0 | 30.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| | 01 February 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 | |
| | 02 February 2024 | Repayment | 800.0 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 03 February 2024 | Disbursement | 20.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 04 February 2024 | Disbursement | 30.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 05 February 2024 | Disbursement | 40.0 | 0.0 | 0.0 | 0.0 | 0.0 | 40.0 | |
| | 05 February 2024 | Down Payment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 30.0 | |
| |
| @TestRailId:C3103 |
| Scenario: Verify that fixed length in loan product is inherited by loan account |
| When Admin sets the business date to "01 February 2024" |
| When 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_ADV_PMT_ALLOC_FIXED_LENGTH | 01 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount |
| Then LoanDetails has fixedLength field with int value: 90 |
| |
| @TestRailId:C3104 |
| Scenario: Verify that fixed length in loan product can be overwrote upon loan account creation |
| When Admin sets the business date to "01 February 2024" |
| When 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 fixed length 60 and 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_FIXED_LENGTH | 01 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount |
| Then LoanDetails has fixedLength field with int value: 60 |
| |
| @TestRailId:C3119 |
| Scenario: Verify fixed length loan account Loan schedule - UC1: loan account with fixed length of 40 days (loanTermFrequency: 45 days) |
| When Admin sets the business date to "01 February 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with fixed length 40 and 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_FIXED_LENGTH | 01 February 2024 | 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 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 15 | 16 February 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 3 | 15 | 02 March 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 10 | 12 March 2024 | | 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 | 1000.0 | 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 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| |
| @TestRailId:C3120 |
| Scenario: Verify fixed length loan account Loan schedule - UC2: loan account with fixed length of 50 days (loanTermFrequency: 45 days) |
| When Admin sets the business date to "01 February 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with fixed length 50 and 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_FIXED_LENGTH | 01 February 2024 | 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 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount |
| Then LoanDetails has fixedLength field with int value: 50 |
| 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 15 | 16 February 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 3 | 15 | 02 March 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 20 | 22 March 2024 | | 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 | 1000.0 | 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 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| |
| @TestRailId:C3121 |
| Scenario: Verify fixed length loan account Loan schedule - UC3: loan account with fixed length of 5 weeks (loanTermFrequency: 6 weeks) |
| When Admin sets the business date to "01 February 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with fixed length 5 and 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_FIXED_LENGTH | 01 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | WEEKS | 2 | WEEKS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount |
| Then LoanDetails has fixedLength field with int value: 5 |
| 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 14 | 15 February 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 3 | 14 | 29 February 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 7 | 07 March 2024 | | 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 | 1000.0 | 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 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| |
| @TestRailId:C3122 |
| Scenario: Verify fixed length loan account Loan schedule - UC4: loan account with fixed length of 7 weeks (loanTermFrequency: 6 weeks) |
| When Admin sets the business date to "01 February 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with fixed length 7 and 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_FIXED_LENGTH | 01 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | WEEKS | 2 | WEEKS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount |
| Then LoanDetails has fixedLength field with int value: 7 |
| 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 14 | 15 February 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 3 | 14 | 29 February 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 21 | 21 March 2024 | | 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 | 1000.0 | 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 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| |
| @TestRailId:C3123 |
| Scenario: Verify fixed length loan account Loan schedule - UC5: loan account with fixed length of 5 months (loanTermFrequency: 6 months) |
| When Admin sets the business date to "01 February 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with fixed length 5 and 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_FIXED_LENGTH | 01 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 2 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount |
| Then LoanDetails has fixedLength field with int value: 5 |
| 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 60 | 01 April 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 3 | 61 | 01 June 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 30 | 01 July 2024 | | 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 | 1000.0 | 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 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| |
| @TestRailId:C3124 |
| Scenario: Verify fixed length loan account Loan schedule - UC6: loan account with fixed length of 7 months (loanTermFrequency: 6 months) |
| When Admin sets the business date to "01 February 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with fixed length 7 and 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_FIXED_LENGTH | 01 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 2 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount |
| Then LoanDetails has fixedLength field with int value: 7 |
| 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 60 | 01 April 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 3 | 61 | 01 June 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 92 | 01 September 2024 | | 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 | 1000.0 | 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 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| |
| @TestRailId:C3125 |
| Scenario: Verify fixed length loan account Loan schedule - UC7: loan account with fixed length of 5 months but 6 month period / repayment in every 1 month results an ERROR |
| When Admin sets the business date to "01 February 2024" |
| When Admin creates a client with random data |
| When Trying to create a fully customized loan with fixed length 5 and with the following data will result a 403 ERROR: |
| | 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_FIXED_LENGTH | 01 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| |
| @TestRailId:C3126 |
| Scenario: Verify fixed length loan account Loan schedule - UC8: Reschedule by date a loan account with fixed length of 40 days |
| When Admin sets the business date to "01 February 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with fixed length 40 and 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_FIXED_LENGTH | 01 February 2024 | 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 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 15 | 16 February 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 3 | 15 | 02 March 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 10 | 12 March 2024 | | 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 | 1000.0 | 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 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| When Admin sets the business date to "02 March 2024" |
| When Admin creates and approves Loan reschedule with the following data: |
| | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate | |
| | 02 March 2024 | 02 March 2024 | 20 March 2024 | | | | | |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 15 | 16 February 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 3 | 33 | 20 March 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 10 | 30 March 2024 | | 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 | 1000.0 | 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 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| |
| @TestRailId:C3127 |
| Scenario: Verify fixed length loan account Loan schedule - UC9: Reschedule by extra terms a loan account with fixed length of 40 days |
| When Admin sets the business date to "01 February 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with fixed length 40 and 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_FIXED_LENGTH | 01 February 2024 | 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 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "1000" EUR transaction amount |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 15 | 16 February 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 3 | 15 | 02 March 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 10 | 12 March 2024 | | 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 | 1000.0 | 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 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| When Admin sets the business date to "16 February 2024" |
| When Admin creates and approves Loan reschedule with the following data: |
| | rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate | |
| | 16 February 2024 | 16 February 2024 | | | | 2 | | |
| # Verify Progressive Loan reschedule behavior - future installments recalculated |
| 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 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 15 | 16 February 2024 | | 600.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | |
| | 3 | 15 | 02 March 2024 | | 450.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | |
| | 4 | 10 | 12 March 2024 | | 300.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | |
| | 5 | 20 | 01 April 2024 | | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | |
| | 6 | 15 | 16 April 2024 | | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | |
| 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 | 1000.0 | 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 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| |
| @TestRailId:C3192 |
| Scenario: Verify that the error message is correct in case of the actual disbursement date is in the past with advanced payment allocation product + submitted on date repaymentStartDateType |
| When Admin sets repaymentStartDateType for "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product to "SUBMITTED_ON_DATE" |
| 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" |
| Then Admin fails to disburse the loan on "31 December 2022" with "500" EUR transaction amount because disbursement date is earlier than "01 January 2023" |
| When Admin sets repaymentStartDateType for "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product to "DISBURSEMENT_DATE" |
| |
| @TestRailId:C3242 |
| Scenario: Verify that there are no restriction on repayment reversal for overpaid loan for interest bearing product |
| When Admin sets the business date to "23 June 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 23 Jun 2024 | 400 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "23 June 2024" with "400" amount and expected disbursement date on "23 June 2024" |
| When Admin successfully disburse the loan on "23 June 2024" with "400" EUR transaction amount |
| And Admin sets the business date to "24 June 2024" |
| And Customer makes "AUTOPAY" repayment on "24 June 2024" with 100 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 | |
| | | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 23 July 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 100.0 | 100.0 | 0.0 | 300.0 | |
| 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 | 0.0 | 400.0 | 100.0 | 100.0 | 0.0 | 300.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 | |
| | 24 June 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 | |
| And Admin sets the business date to "10 September 2024" |
| When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "10 September 2024" with 400 EUR transaction amount and self-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 | |
| | | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 23 July 2024 | 10 September 2024 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 400.0 | 100.0 | 300.0 | 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 | 0.0 | 400.0 | 400.0 | 100.0 | 300.0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 | |
| | 24 June 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 | |
| | 10 September 2024 | Merchant Issued Refund | 400.0 | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| Then Loan status will be "OVERPAID" |
| When Admin makes Credit Balance Refund transaction on "10 September 2024" with 91.21 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 | |
| | | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 23 July 2024 | 10 September 2024 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 400.0 | 100.0 | 300.0 | 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 | 0.0 | 400.0 | 400.0 | 100.0 | 300.0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 | |
| | 24 June 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 | |
| | 10 September 2024 | Merchant Issued Refund | 400.0 | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 10 September 2024 | Credit Balance Refund | 91.21 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| When Customer undo "1"th repayment on "24 June 2024" |
| Then Loan Repayment schedule has 2 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 23 July 2024 | 10 September 2024 | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 400.0 | 0.0 | 400.0 | 0.0 | |
| | 2 | 49 | 10 September 2024 | | 0.0 | 91.21 | 0.0 | 0.0 | 0.0 | 91.21 | 0.0 | 0.0 | 0.0 | 91.21 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 491.21 | 0.0 | 0.0 | 0.0 | 491.21 | 400.0 | 0.0 | 400.0 | 91.21 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 | |
| | 24 June 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 | |
| | 10 September 2024 | Merchant Issued Refund | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 10 September 2024 | Credit Balance Refund | 91.21 | 91.21 | 0.0 | 0.0 | 0.0 | 91.21 | |
| Then In Loan Transactions the "2"th Transaction has Transaction type="Repayment" and is reverted |
| |
| @TestRailId:C3282 |
| Scenario: Verify reversal of related interest refund transaction after merchant issued refund transactions is reversed |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount |
| When Admin sets the business date to "22 January 2024" |
| When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 100 EUR transaction amount and system-generated Idempotency key |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 752.97 | 247.03 | 8.11 | 0.0 | 0.0 | 255.14 | 100.57 | 100.57 | 0.0 | 154.57 | |
| | 2 | 29 | 01 March 2024 | | 503.74 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 3 | 31 | 01 April 2024 | | 252.82 | 250.92 | 4.22 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 252.82 | 2.05 | 0.0 | 0.0 | 254.87 | 0.0 | 0.0 | 0.0 | 254.87 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 20.29 | 0.0 | 0.0 | 1020.29 | 100.57 | 100.57 | 0.0 | 919.72 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 22 January 2024 | Merchant Issued Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false | |
| | 22 January 2024 | Interest Refund | 0.57 | 0.57 | 0.0 | 0.0 | 0.0 | 899.43 | false | false | |
| When Customer undo "1"th "Merchant Issued Refund" transaction made on "22 January 2024" with linked "Interest Refund" transaction |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 2 | 29 | 01 March 2024 | | 504.02 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 3 | 31 | 01 April 2024 | | 253.11 | 250.91 | 4.23 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 253.11 | 2.05 | 0.0 | 0.0 | 255.16 | 0.0 | 0.0 | 0.0 | 255.16 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 20.58 | 0.0 | 0.0 | 1020.58 | 0.0 | 0.0 | 0.0 | 1020.58 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 22 January 2024 | Merchant Issued Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | true | false | |
| | 22 January 2024 | Interest Refund | 0.57 | 0.57 | 0.0 | 0.0 | 0.0 | 899.43 | true | false | |
| Then In Loan Transactions the "3"th Transaction has Transaction type="Interest Refund" and is reverted |
| |
| @TestRailId:C3283 |
| Scenario: Verify reversal of related interest refund transaction after payout refund transactions is reversed |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount |
| When Admin sets the business date to "22 January 2024" |
| When Admin makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 100 EUR transaction amount |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 752.97 | 247.03 | 8.11 | 0.0 | 0.0 | 255.14 | 100.57 | 100.57 | 0.0 | 154.57 | |
| | 2 | 29 | 01 March 2024 | | 503.74 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 3 | 31 | 01 April 2024 | | 252.82 | 250.92 | 4.22 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 252.82 | 2.05 | 0.0 | 0.0 | 254.87 | 0.0 | 0.0 | 0.0 | 254.87 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 20.29 | 0.0 | 0.0 | 1020.29 | 100.57 | 100.57 | 0.0 | 919.72 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 22 January 2024 | Payout Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false | |
| | 22 January 2024 | Interest Refund | 0.57 | 0.57 | 0.0 | 0.0 | 0.0 | 899.43 | false | false | |
| When Customer undo "1"th "Payout Refund" transaction made on "22 January 2024" with linked "Interest Refund" transaction |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 753.25 | 246.75 | 8.39 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 2 | 29 | 01 March 2024 | | 504.02 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 3 | 31 | 01 April 2024 | | 253.11 | 250.91 | 4.23 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 253.11 | 2.05 | 0.0 | 0.0 | 255.16 | 0.0 | 0.0 | 0.0 | 255.16 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 20.58 | 0.0 | 0.0 | 1020.58 | 0.0 | 0.0 | 0.0 | 1020.58 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 22 January 2024 | Payout Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | true | false | |
| | 22 January 2024 | Interest Refund | 0.57 | 0.57 | 0.0 | 0.0 | 0.0 | 899.43 | true | false | |
| Then In Loan Transactions the "3"th Transaction has Transaction type="Interest Refund" and is reverted |
| |
| @TestRailId:C3324 |
| Scenario: Verify interest refund transaction after merchant issued refund transactions is forbidden to be reversed |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount |
| When Admin sets the business date to "22 January 2024" |
| When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 100 EUR transaction amount and system-generated Idempotency key |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 752.97 | 247.03 | 8.11 | 0.0 | 0.0 | 255.14 | 100.57 | 100.57 | 0.0 | 154.57 | |
| | 2 | 29 | 01 March 2024 | | 503.74 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 3 | 31 | 01 April 2024 | | 252.82 | 250.92 | 4.22 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 252.82 | 2.05 | 0.0 | 0.0 | 254.87 | 0.0 | 0.0 | 0.0 | 254.87 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 20.29 | 0.0 | 0.0 | 1020.29 | 100.57 | 100.57 | 0.0 | 919.72 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 22 January 2024 | Merchant Issued Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false | |
| | 22 January 2024 | Interest Refund | 0.57 | 0.57 | 0.0 | 0.0 | 0.0 | 899.43 | false | false | |
| When Customer is forbidden to undo "1"th "Interest Refund" transaction made on "22 January 2024" |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 752.97 | 247.03 | 8.11 | 0.0 | 0.0 | 255.14 | 100.57 | 100.57 | 0.0 | 154.57 | |
| | 2 | 29 | 01 March 2024 | | 503.74 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 3 | 31 | 01 April 2024 | | 252.82 | 250.92 | 4.22 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 252.82 | 2.05 | 0.0 | 0.0 | 254.87 | 0.0 | 0.0 | 0.0 | 254.87 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 20.29 | 0.0 | 0.0 | 1020.29 | 100.57 | 100.57 | 0.0 | 919.72 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 22 January 2024 | Merchant Issued Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false | |
| | 22 January 2024 | Interest Refund | 0.57 | 0.57 | 0.0 | 0.0 | 0.0 | 899.43 | false | false | |
| |
| @TestRailId:C3325 |
| Scenario: Verify interest refund transaction after payout refund transactions is forbidden to be reversed |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 01 January 2024 | 1000 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount |
| When Admin sets the business date to "22 January 2024" |
| When Admin makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "22 January 2024" with 100 EUR transaction amount |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 752.97 | 247.03 | 8.11 | 0.0 | 0.0 | 255.14 | 100.57 | 100.57 | 0.0 | 154.57 | |
| | 2 | 29 | 01 March 2024 | | 503.74 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 3 | 31 | 01 April 2024 | | 252.82 | 250.92 | 4.22 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 252.82 | 2.05 | 0.0 | 0.0 | 254.87 | 0.0 | 0.0 | 0.0 | 254.87 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 20.29 | 0.0 | 0.0 | 1020.29 | 100.57 | 100.57 | 0.0 | 919.72 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 22 January 2024 | Payout Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false | |
| | 22 January 2024 | Interest Refund | 0.57 | 0.57 | 0.0 | 0.0 | 0.0 | 899.43 | false | false | |
| When Customer is forbidden to undo "1"th "Interest Refund" transaction made on "22 January 2024" |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 752.97 | 247.03 | 8.11 | 0.0 | 0.0 | 255.14 | 100.57 | 100.57 | 0.0 | 154.57 | |
| | 2 | 29 | 01 March 2024 | | 503.74 | 249.23 | 5.91 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 3 | 31 | 01 April 2024 | | 252.82 | 250.92 | 4.22 | 0.0 | 0.0 | 255.14 | 0.0 | 0.0 | 0.0 | 255.14 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 252.82 | 2.05 | 0.0 | 0.0 | 254.87 | 0.0 | 0.0 | 0.0 | 254.87 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 20.29 | 0.0 | 0.0 | 1020.29 | 100.57 | 100.57 | 0.0 | 919.72 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 22 January 2024 | Payout Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false | |
| | 22 January 2024 | Interest Refund | 0.57 | 0.57 | 0.0 | 0.0 | 0.0 | 899.43 | false | false | |
| |
| @TestRailId:C3300 |
| Scenario: Early pay-off loan with interest, TILL_PRECLOSE product |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | |
| When Admin sets the business date to "15 February 2024" |
| When Loan Pay-off is made on "15 February 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | 15 February 2024 | 66.8 | 16.77 | 0.24 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | 15 February 2024 | 49.79 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 4 | 30 | 01 May 2024 | 15 February 2024 | 32.78 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 5 | 31 | 01 June 2024 | 15 February 2024 | 15.77 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 6 | 30 | 01 July 2024 | 15 February 2024 | 0.0 | 15.77 | 0.0 | 0.0 | 0.0 | 15.77 | 15.77 | 15.77 | 0.0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | |
| | 15 February 2024 | Repayment | 83.81 | 83.57 | 0.24 | 0.0 | 0.0 | 0.0 | false | |
| | 15 February 2024 | Accrual | 0.82 | 0.0 | 0.82 | 0.0 | 0.0 | 0.0 | false | |
| Then Loan's all installments have obligations met |
| |
| @TestRailId:C3483 |
| Scenario: Early pay-off loan with interest, TILL_REST_FREQUENCY_DATE product |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_REST_FREQUENCY_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | |
| When Admin sets the business date to "15 February 2024" |
| When Loan Pay-off is made on "15 February 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | 15 February 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | 15 February 2024 | 50.04 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 4 | 30 | 01 May 2024 | 15 February 2024 | 33.03 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 5 | 31 | 01 June 2024 | 15 February 2024 | 16.02 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 6 | 30 | 01 July 2024 | 15 February 2024 | 0.0 | 16.02 | 0.0 | 0.0 | 0.0 | 16.02 | 16.02 | 16.02 | 0.0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | |
| | 15 February 2024 | Repayment | 84.06 | 83.57 | 0.49 | 0.0 | 0.0 | 0.0 | false | |
| | 15 February 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | |
| Then Loan's all installments have obligations met |
| |
| @TestRailId:C3484 |
| Scenario: Interest recalculation - S1 daily for overdue loan |
| Given Global configuration "enable-business-date" is enabled |
| When Admin sets the business date to "1 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7.0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin sets the business date to "15 July 2024" |
| When Admin runs inline COB job for Loan |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.71 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 34.28 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 17.85 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.85 | 0.58 | 0.0 | 0.0 | 18.43 | 0.0 | 0.0 | 0.0 | 18.43 | |
| |
| @TestRailId:C3485 |
| Scenario: Interest recalculation - S2 2 overdue |
| Given Global configuration "enable-business-date" is enabled |
| When Admin sets the business date to "1 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7.0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin sets the business date to "10 March 2024" |
| When Admin runs inline COB job for Loan |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.58 | 16.56 | 0.45 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.87 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 17.06 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.06 | 0.1 | 0.0 | 0.0 | 17.16 | 0.0 | 0.0 | 0.0 | 17.16 | |
| |
| @TestRailId:C3486 |
| Scenario: Interest recalculation - S3 1 paid, 1 overdue |
| Given Global configuration "enable-business-date" is enabled |
| When Admin sets the business date to "1 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7.0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| When Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin sets the business date to "1 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "10 March 2024" |
| When Admin runs inline COB job for Loan |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.59 | 0.42 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.74 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.93 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.93 | 0.1 | 0.0 | 0.0 | 17.03 | 0.0 | 0.0 | 0.0 | 17.03 | |
| |
| @TestRailId:C3487 |
| Scenario: Loan Details Emi Amount Variations - AssociationsAll |
| Given Global configuration "is-interest-to-be-recovered-first-when-greater-than-emi" is enabled |
| Given Global configuration "enable-business-date" is enabled |
| 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 emi and 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_INTEREST_DECLINING_BALANCE_SAR_RECALCULATION_SAME_AS_REPAYMENT_COMPOUNDING_NONE_MULTIDISB | 01 January 2023 | 10000 | 12 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER | |
| And Admin successfully approves the loan on "1 January 2023" with "100" amount and expected disbursement date on "1 January 2023" |
| And Admin successfully disburse the loan on "1 January 2023" with "100" EUR transaction amount and "50" fixed emi amount |
| Then Loan emi amount variations has 1 variation, with the following data: |
| | Term Type Id | Term Type Code | Term Type Value | Applicable From | Decimal Value | Date Value | Is Specific To Installment | Is Processed | |
| | 1 | loanTermType.emiAmount | emiAmount | 01 January 2023 | 50.0 | | false | | |
| |
| @TestRailId:C3488 |
| Scenario: Loan Details Loan Term Variations |
| Given Global configuration "is-interest-to-be-recovered-first-when-greater-than-emi" is enabled |
| Given Global configuration "enable-business-date" is enabled |
| 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 emi and 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_INTEREST_DECLINING_BALANCE_SAR_RECALCULATION_SAME_AS_REPAYMENT_COMPOUNDING_NONE_MULTIDISB | 01 January 2023 | 10000 | 12 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER | |
| And Admin successfully approves the loan on "1 January 2023" with "100" amount and expected disbursement date on "1 January 2023" |
| And Admin successfully disburse the loan on "1 January 2023" with "100" EUR transaction amount, "50" EUR fixed emi amount and adjust repayment date on "15 January 2023" |
| Then Loan term variations has 2 variation, with the following data: |
| | Term Type Id | Term Type Code | Term Type Value | Applicable From | Decimal Value | Date Value | Is Specific To Installment | Is Processed | |
| | 1 | loanTermType.emiAmount | emiAmount | 01 January 2023 | 50.0 | | false | | |
| | 4 | loanTermType.dueDate | dueDate | 01 February 2023 | 50.0 | 15 January 2023 | false | | |
| |
| @TestRailId:C3489 |
| Scenario: EMI calculation with 360/30 Early repayment - Last installment strategy - UC1: Multiple early repayment |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_IR_DAILY_TILL_PRECLOSE_LAST_INSTALLMENT_STRATEGY | 01 January 2024 | 100 | 7.0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | |
| # --- Early repayment on 15 January 2024 --- |
| When Admin sets the business date to "15 January 2024" |
| And Customer makes "AUTOPAY" repayment on "15 January 2024" with 15.00 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.53 | 16.47 | 0.54 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 66.92 | 16.61 | 0.4 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.21 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.41 | 16.8 | 0.21 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.51 | 16.9 | 0.11 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.51 | 0.01 | 0.0 | 0.0 | 16.52 | 15.0 | 15.0 | 0.0 | 1.52 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.57 | 0.0 | 0.0 | 101.57 | 15.0 | 15.0 | 0.0 | 86.57 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | |
| | 15 January 2024 | Repayment | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| # --- Early repayment on 15 January 2024 --- |
| And Customer makes "AUTOPAY" repayment on "15 January 2024" with 1.50 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.52 | 16.48 | 0.53 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 66.9 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.18 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.37 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.5 | 16.87 | 0.1 | 0.0 | 0.0 | 16.97 | 0.0 | 0.0 | 0.0 | 16.97 | |
| | 6 | 30 | 01 July 2024 | 15 January 2024 | 0.0 | 16.5 | 0.0 | 0.0 | 0.0 | 16.5 | 16.5 | 16.5 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.51 | 0.0 | 0.0 | 101.51 | 16.5 | 16.5 | 0.0 | 85.01 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | |
| | 15 January 2024 | Repayment | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 15 January 2024 | Repayment | 1.5 | 1.5 | 0.0 | 0.0 | 0.0 | 83.5 | |
| # --- Pay-off on 15 January 2024 --- |
| And Customer makes "AUTOPAY" repayment on "15 January 2024" with 83.76 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 15 January 2024 | 84.54 | 15.46 | 0.26 | 0.0 | 0.0 | 15.72 | 15.72 | 15.72 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | 15 January 2024 | 67.53 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | 15 January 2024 | 50.52 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 4 | 30 | 01 May 2024 | 15 January 2024 | 33.51 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 5 | 31 | 01 June 2024 | 15 January 2024 | 16.5 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 6 | 30 | 01 July 2024 | 15 January 2024 | 0.0 | 16.5 | 0.0 | 0.0 | 0.0 | 16.5 | 16.5 | 16.5 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 0.26 | 0.0 | 0.0 | 100.26 | 100.26 | 100.26 | 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 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | |
| | 15 January 2024 | Repayment | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 15 January 2024 | Repayment | 1.5 | 1.5 | 0.0 | 0.0 | 0.0 | 83.5 | |
| | 15 January 2024 | Repayment | 83.76 | 83.5 | 0.26 | 0.0 | 0.0 | 0.0 | |
| | 15 January 2024 | Accrual | 0.26 | 0.0 | 0.26 | 0.0 | 0.0 | 0.0 | |
| Then Loan status will be "CLOSED_OBLIGATIONS_MET" |
