| @ChargeOffFeature |
| Feature: Charge-off - Part3 |
| |
| @TestRailId:C3379 |
| Scenario: Charge-off with FRAUD reason after installment date when loan behavior is zero-interest with interestRecalculation - UC10.1 |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And 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 |
| 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 | 2.05 | 0 | 0 | 102.05 | 17.01 | 0 | 0 | 85.04 | |
| When Admin sets the business date to "29 February 2024" |
| And Admin does charge-off the loan with reason "FRAUD" on "29 February 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "29 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 | | 67.03 | 16.54 | 0.47 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.02 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.01 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.0 | 0.0 | 0.0 | 0.0 | 16.0 | 0.0 | 0.0 | 0.0 | 16.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 1.05 | 0 | 0 | 101.05 | 17.01 | 0 | 0 | 84.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false | |
| | 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false | |
| Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "29 February 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | | 83.57 | |
| | ASSET | 112603 | Interest/Fee Receivable | | 0.47 | |
| | EXPENSE | 744037 | Credit Loss/Bad Debt-Fraud | 83.57 | | |
| | INCOME | 404001 | Interest Income Charge Off | 0.47 | | |
| |
| @TestRailId:C3380 |
| Scenario: Charge-off with DELINQUENT reason after installment date when loan behavior is zero-interest with interestRecalculation - UC10.2 |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And 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 |
| 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 | 2.05 | 0 | 0 | 102.05 | 17.01 | 0 | 0 | 85.04 | |
| When Admin sets the business date to "29 February 2024" |
| And Admin does charge-off the loan with reason "DELINQUENT" on "29 February 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "29 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 | | 67.03 | 16.54 | 0.47 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.02 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.01 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.0 | 0.0 | 0.0 | 0.0 | 16.0 | 0.0 | 0.0 | 0.0 | 16.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 1.05 | 0 | 0 | 101.05 | 17.01 | 0 | 0 | 84.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false | |
| | 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false | |
| Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "29 February 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | | 83.57 | |
| | ASSET | 112603 | Interest/Fee Receivable | | 0.47 | |
| | EXPENSE | 744007 | Credit Loss/Bad Debt | 83.57 | | |
| | INCOME | 404001 | Interest Income Charge Off | 0.47 | | |
| |
| @TestRailId:C3381 |
| Scenario: Charge-off with OTHER reason after installment date when loan behavior is zero-interest with interestRecalculation disabled - UC10.3 |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And 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 |
| 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 | 2.05 | 0 | 0 | 102.05 | 17.01 | 0 | 0 | 85.04 | |
| When Admin sets the business date to "29 February 2024" |
| And Admin does charge-off the loan with reason "OTHER" on "29 February 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "29 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 | | 67.03 | 16.54 | 0.47 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.02 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.01 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.0 | 0.0 | 0.0 | 0.0 | 16.0 | 0.0 | 0.0 | 0.0 | 16.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 1.05 | 0 | 0 | 101.05 | 17.01 | 0 | 0 | 84.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false | |
| | 29 February 2024 | Charge-off | 84.04 | 83.57 | 0.47 | 0.0 | 0.0 | 0.0 | false | false | |
| Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "29 February 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | | 83.57 | |
| | ASSET | 112603 | Interest/Fee Receivable | | 0.47 | |
| | EXPENSE | 744007 | Credit Loss/Bad Debt | 83.57 | | |
| | INCOME | 404001 | Interest Income Charge Off | 0.47 | | |
| |
| @TestRailId:C3460 |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is enabled - case when couple fee charges due dates is before charge-off date |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| 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 |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 February 2024" due date and 5 EUR transaction amount |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "20 February 2024" due date and 3 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 | 8.0 | 0.0 | 25.01 | 0.0 | 0.0 | 0.0 | 25.01 | |
| | 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 | 8.0 | 0.0 | 110.05 | 17.01 | 0.0 | 0.0 | 93.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| When Admin sets the business date to "01 March 2024" |
| And Admin does charge-off the loan on "01 March 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "01 March 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 | |
| | | | 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 | | 0.0 | 83.57 | 0.49 | 8.0 | 0.0 | 92.06 | 0.0 | 0.0 | 0.0 | 92.06 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.07 | 8.0 | 0.0 | 109.07 | 17.01 | 0.0 | 0.0 | 92.06 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 March 2024 | Charge-off | 92.06 | 83.57 | 0.49 | 8.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3461 |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is enabled - case when fee and penalty charges due dates is before charge-off date |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| 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 |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 February 2024" due date and 5 EUR transaction amount |
| When Admin sets the business date to "15 February 2024" |
| And Admin adds an NSF fee because of payment bounce with "15 February 2024" transaction date |
| 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 | 5.0 | 10.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 | |
| | 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 | 5.0 | 10.0 | 117.05 | 17.01 | 0.0 | 0.0 | 100.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| When Admin sets the business date to "01 March 2024" |
| And Admin does charge-off the loan on "01 March 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "01 March 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 | |
| | | | 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 | | 0.0 | 83.57 | 0.49 | 5.0 | 10.0 | 99.06 | 0.0 | 0.0 | 0.0 | 99.06 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.07 | 5.0 | 10.0 | 116.07 | 17.01 | 0.0 | 0.0 | 99.06 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 March 2024 | Charge-off | 99.06 | 83.57 | 0.49 | 5.0 | 10.0 | 0.0 | false | false | |
| |
| @TestRailId:C3462 |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is enabled - case when fee and penalty charges due dates is before charge-off date, and one charge is waived after charge-off |
| 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_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| 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 |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 February 2024" due date and 5 EUR transaction amount |
| When Admin sets the business date to "15 February 2024" |
| And Admin adds an NSF fee because of payment bounce with "15 February 2024" transaction date |
| 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 | 5.0 | 10.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 | |
| | 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 | 5.0 | 10.0 | 117.05 | 17.01 | 0.0 | 0.0 | 100.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| When Admin sets the business date to "01 March 2024" |
| And Admin does charge-off the loan on "01 March 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "01 March 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 | |
| | | | 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 | | 0.0 | 83.57 | 0.49 | 5.0 | 10.0 | 99.06 | 0.0 | 0.0 | 0.0 | 99.06 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.07 | 5.0 | 10.0 | 116.07 | 17.01 | 0.0 | 0.0 | 99.06 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 March 2024 | Charge-off | 99.06 | 83.57 | 0.49 | 5.0 | 10.0 | 0.0 | false | false | |
| And Admin waives due date charge |
| 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 | |
| | | | 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 | | 0.0 | 83.57 | 0.49 | 5.0 | 10.0 | 99.06 | 0.0 | 0.0 | 0.0 | 94.06 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.07 | 5.0 | 10.0 | 116.07 | 17.01 | 0.0 | 0.0 | 94.06 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 15 February 2024 | Waive loan charges | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 March 2024 | Charge-off | 94.06 | 83.57 | 0.49 | 0.0 | 10.0 | 0.0 | false | true | |
| |
| @TestRailId:C3463 |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is enabled - case when one fee charge is added after the charge off date |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| 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 |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "05 March 2024" due date and 5 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 | 5.0 | 0.0 | 22.01 | 0.0 | 0.0 | 0.0 | 22.01 | |
| | 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 | 5.0 | 0.0 | 107.05 | 17.01 | 0.0 | 0.0 | 90.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| When Admin sets the business date to "01 March 2024" |
| And Admin does charge-off the loan on "01 March 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "01 March 2024" |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 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 | | 0.0 | 83.57 | 0.49 | 0.0 | 0.0 | 84.06 | 0.0 | 0.0 | 0.0 | 84.06 | |
| | 3 | 4 | 05 March 2024 | | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.07 | 5.0 | 0.0 | 106.07 | 17.01 | 0.0 | 0.0 | 89.06 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 March 2024 | Charge-off | 89.06 | 83.57 | 0.49 | 5.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3464 |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is enabled - case when couple fee charges due dates is after charge-off date |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| 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 |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "05 March 2024" due date and 5 EUR transaction amount |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 April 2024" due date and 2 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 | 5.0 | 0.0 | 22.01 | 0.0 | 0.0 | 0.0 | 22.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 2.0 | 0.0 | 19.01 | 0.0 | 0.0 | 0.0 | 19.01 | |
| | 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 | 7.0 | 0.0 | 109.05 | 17.01 | 0.0 | 0.0 | 92.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| When Admin sets the business date to "01 March 2024" |
| And Admin does charge-off the loan on "01 March 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "01 March 2024" |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 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 | | 0.0 | 83.57 | 0.49 | 0.0 | 0.0 | 84.06 | 0.0 | 0.0 | 0.0 | 84.06 | |
| | 3 | 45 | 15 April 2024 | | 0.0 | 0.0 | 0.0 | 7.0 | 0.0 | 7.0 | 0.0 | 0.0 | 0.0 | 7.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.07 | 7.0 | 0.0 | 108.07 | 17.01 | 0.0 | 0.0 | 91.06 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 March 2024 | Charge-off | 91.06 | 83.57 | 0.49 | 7.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3465 |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is enabled - case when fee and penalty charges due dates is after charge-off date |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| 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 |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "05 March 2024" due date and 5 EUR transaction amount |
| When Admin sets the business date to "15 February 2024" |
| And Admin adds an NSF fee because of payment bounce with "29 February 2024" transaction date |
| 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 | 10.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 5.0 | 0.0 | 22.01 | 0.0 | 0.0 | 0.0 | 22.01 | |
| | 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 | 5.0 | 10.0 | 117.05 | 17.01 | 0.0 | 0.0 | 100.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| And Admin does charge-off the loan on "15 February 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "15 February 2024" |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 14 | 15 February 2024 | | 0.0 | 83.57 | 0.24 | 0.0 | 10.0 | 93.81 | 0.0 | 0.0 | 0.0 | 93.81 | |
| | 3 | 19 | 05 March 2024 | | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 0.82 | 5.0 | 10.0 | 115.82 | 17.01 | 0.0 | 0.0 | 98.81 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 15 February 2024 | Accrual | 0.82 | 0.0 | 0.82 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 February 2024 | Charge-off | 98.81 | 83.57 | 0.24 | 5.0 | 10.0 | 0.0 | false | false | |
| |
| @TestRailId:C3466 |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is enabled - case when fee and penalty charges due dates is after charge-off date, and one charge is waived after charge-off |
| 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_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| 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 |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "05 March 2024" due date and 5 EUR transaction amount |
| When Admin sets the business date to "15 February 2024" |
| And Admin adds an NSF fee because of payment bounce with "29 February 2024" transaction date |
| 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 | 10.0 | 27.01 | 0.0 | 0.0 | 0.0 | 27.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 5.0 | 0.0 | 22.01 | 0.0 | 0.0 | 0.0 | 22.01 | |
| | 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 | 5.0 | 10.0 | 117.05 | 17.01 | 0.0 | 0.0 | 100.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| And Admin does charge-off the loan on "15 February 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "15 February 2024" |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 14 | 15 February 2024 | | 0.0 | 83.57 | 0.24 | 0.0 | 10.0 | 93.81 | 0.0 | 0.0 | 0.0 | 93.81 | |
| | 3 | 19 | 05 March 2024 | | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 0.82 | 5.0 | 10.0 | 115.82 | 17.01 | 0.0 | 0.0 | 98.81 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 15 February 2024 | Accrual | 0.82 | 0.0 | 0.82 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 February 2024 | Charge-off | 98.81 | 83.57 | 0.24 | 5.0 | 10.0 | 0.0 | false | false | |
| And Admin waives charge |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 14 | 15 February 2024 | | 0.0 | 83.57 | 0.24 | 0.0 | 10.0 | 93.81 | 0.0 | 0.0 | 0.0 | 83.81 | |
| | 3 | 19 | 05 March 2024 | | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 0.82 | 5.0 | 10.0 | 115.82 | 17.01 | 0.0 | 0.0 | 88.81 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 15 February 2024 | Waive loan charges | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 83.57 | false | false | |
| | 15 February 2024 | Accrual | 0.82 | 0.0 | 0.82 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 February 2024 | Charge-off | 88.81 | 83.57 | 0.24 | 5.0 | 0.0 | 0.0 | false | true | |
| |
| @TestRailId:C3497 @AdvancedPaymentAllocation |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is enabled - case when charge-off occurs with adjustment to last installment |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR_LAST_INSTALLMENT_STRATEGY | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| When Admin sets the business date to "15 January 2024" |
| And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.01 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.52 | 16.48 | 0.53 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 66.9 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.18 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.36 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 17.01 | 16.35 | 0.1 | 0.0 | 0.0 | 16.45 | 0.0 | 0.0 | 0.0 | 16.45 | |
| | 6 | 30 | 01 July 2024 | 15 January 2024 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 1.5 | 0 | 0 | 101.5 | 17.01 | 17.01 | 0 | 84.49 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 15 January 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 82.99 | false | false | |
| When Admin sets the business date to "29 February 2024" |
| And Admin does charge-off the loan on "29 February 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "29 February 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 | |
| | | | 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 | 28 | 29 February 2024 | | 0.0 | 83.52 | 0.47 | 0.0 | 0.0 | 83.99 | 17.01 | 17.01 | 0.0 | 66.98 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.0 | 0.0 | 0.0 | 101.0 | 17.01 | 17.01 | 0.0 | 83.99 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 15 January 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 82.99 | false | false | |
| | 29 February 2024 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false | |
| | 29 February 2024 | Charge-off | 83.99 | 82.99 | 1.0 | 0.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3498 @AdvancedPaymentAllocation |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is enabled - case when charge-off occurs with allocation to last installment with interest allocation change |
| 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_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR_LAST_INSTALLMENT_STRATEGY | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| When Admin sets the business date to "15 February 2024" |
| And Customer makes "AUTOPAY" repayment on "15 February 2024" with 17.01 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 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 | | 67.0 | 16.57 | 0.44 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.28 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.46 | 16.82 | 0.19 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 17.01 | 16.45 | 0.1 | 0.0 | 0.0 | 16.55 | 0.0 | 0.0 | 0.0 | 16.55 | |
| | 6 | 30 | 01 July 2024 | 15 February 2024 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.6 | 0.0 | 0.0 | 101.6 | 34.02 | 17.01 | 0.0 | 67.58 | |
| 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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 15 February 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 66.56 | false | false | |
| When Admin sets the business date to "29 February 2024" |
| And Admin does charge-off the loan on "29 February 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "29 February 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 | |
| | | | 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 | 28 | 29 February 2024 | | 0.0 | 83.57 | 0.42 | 0.0 | 0.0 | 83.99 | 17.01 | 17.01 | 0.0 | 66.98 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.0 | 0.0 | 0.0 | 101.0 | 34.02 | 17.01 | 0.0 | 66.98 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 15 February 2024 | Repayment | 17.01 | 16.77 | 0.24 | 0.0 | 0.0 | 66.8 | false | true | |
| | 29 February 2024 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false | |
| | 29 February 2024 | Charge-off | 66.98 | 66.8 | 0.18 | 0.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3727 |
| Scenario: As a user I want to perform accelerate maturity to charge-off date with interest recalculation when backdated full repayment occurs after - S12 |
| Given Global configuration "is-principal-compounding-disabled-for-overdue-loans" is enabled |
| 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_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| When Admin sets the business date to "31 March 2024" |
| And Admin does charge-off the loan on "31 March 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "31 March 2024" |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 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 | 30 | 31 March 2024 | | 0.0 | 67.05 | 0.47 | 0.0 | 0.0 | 67.52 | 0.0 | 0.0 | 0.0 | 67.52 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 17.01 | 0.0 | 0.0 | 84.53 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 March 2024 | Charge-off | 84.53 | 83.57 | 0.96 | 0.0 | 0.0 | 0.0 | false | false | |
| And Customer makes "AUTOPAY" repayment on "01 March 2024" with 84.06 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 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | 01 March 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 | 01 March 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 | 01 March 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 | 01 March 2024 | 0.0 | 16.02 | 0.0 | 0.0 | 0.0 | 16.02 | 16.02 | 16.02 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.07 | 0.0 | 0.0 | 101.07 | 101.07 | 67.05 | 0.0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Repayment | 84.06 | 83.57 | 0.49 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 March 2024 | Accrual Adjustment | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false | |
| And Global configuration "is-principal-compounding-disabled-for-overdue-loans" is disabled |
| |
| @TestRailId:C3728 |
| Scenario: As a user I want to perform accelerate maturity to charge-off date with interest recalculation when backdated repayment with excess amount occurs after - S13 |
| Given Global configuration "is-principal-compounding-disabled-for-overdue-loans" is enabled |
| 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_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| When Admin sets the business date to "31 March 2024" |
| And Admin does charge-off the loan on "31 March 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "31 March 2024" |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 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 | 30 | 31 March 2024 | | 0.0 | 67.05 | 0.47 | 0.0 | 0.0 | 67.52 | 0.0 | 0.0 | 0.0 | 67.52 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 17.01 | 0.0 | 0.0 | 84.53 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 March 2024 | Charge-off | 84.53 | 83.57 | 0.96 | 0.0 | 0.0 | 0.0 | false | false | |
| And Customer makes "AUTOPAY" repayment on "01 March 2024" with 27.01 EUR transaction amount |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 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 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 3 | 30 | 31 March 2024 | | 0.0 | 67.05 | 0.32 | 0.0 | 0.0 | 67.37 | 10.0 | 10.0 | 0.0 | 57.37 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.39 | 0.0 | 0.0 | 101.39 | 44.02 | 10.0 | 0.0 | 57.37 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Repayment | 27.01 | 26.52 | 0.49 | 0.0 | 0.0 | 57.05 | false | false | |
| | 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 March 2024 | Accrual Adjustment | 0.15 | 0.0 | 0.15 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 March 2024 | Charge-off | 57.37 | 57.05 | 0.32 | 0.0 | 0.0 | 0.0 | false | true | |
| And Global configuration "is-principal-compounding-disabled-for-overdue-loans" is disabled |
| |
| @TestRailId:C3729 |
| Scenario: As a user I want to perform accelerate maturity to charge-off date with interest recalculation when backdated first repayment with excess amount occurs after |
| Given Global configuration "is-principal-compounding-disabled-for-overdue-loans" is enabled |
| 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_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| When Admin sets the business date to "31 March 2024" |
| And Admin does charge-off the loan on "31 March 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "31 March 2024" |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 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 | 30 | 31 March 2024 | | 0.0 | 67.14 | 0.56 | 0.0 | 0.0 | 67.7 | 0.0 | 0.0 | 0.0 | 67.7 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.72 | 0.0 | 0.0 | 101.72 | 0.0 | 0.0 | 0.0 | 101.72 | |
| 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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 31 March 2024 | Accrual | 1.72 | 0.0 | 1.72 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 March 2024 | Charge-off | 101.72 | 100.0 | 1.72 | 0.0 | 0.0 | 0.0 | false | false | |
| And Customer makes "AUTOPAY" repayment on "01 March 2024" with 70.00 EUR transaction amount |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 March 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 17.01 | 0.0 | |
| | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.14 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 3 | 30 | 31 March 2024 | | 0.0 | 67.14 | 0.0 | 0.0 | 0.0 | 67.14 | 35.98 | 35.98 | 0.0 | 31.16 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.16 | 0.0 | 0.0 | 101.16 | 70.0 | 35.98 | 17.01 | 31.16 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 March 2024 | Repayment | 70.0 | 68.84 | 1.16 | 0.0 | 0.0 | 31.16 | false | false | |
| | 31 March 2024 | Accrual | 1.72 | 0.0 | 1.72 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 March 2024 | Accrual Adjustment | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 March 2024 | Charge-off | 31.16 | 31.16 | 0.0 | 0.0 | 0.0 | 0.0 | false | true | |
| And Global configuration "is-principal-compounding-disabled-for-overdue-loans" is disabled |
| |
| @TestRailId:C3499 @AdvancedPaymentAllocation |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is disabled - case when charge-off occurs with adjustment to last installment |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a new accelerate maturity charge-off Loan with last installment strategy, without interest recalculation and with date: "1 January 2024" |
| 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 | | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| When Admin sets the business date to "15 January 2024" |
| And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.05 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 | | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | 15 January 2024 | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 17.05 | 17.05 | 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 | 2.05 | 0 | 0 | 102.05 | 17.05 | 17.05 | 0 | 85.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 15 January 2024 | Repayment | 17.05 | 16.95 | 0.1 | 0.0 | 0.0 | 83.05 | false | false | |
| When Admin sets the business date to "29 February 2024" |
| And Admin does charge-off the loan on "29 February 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 | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 2 | 28 | 29 February 2024 | | 0.0 | 83.58 | 0.47 | 0.0 | 0.0 | 84.05 | 17.05 | 17.05 | 0.0 | 67.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.05 | 0.0 | 0.0 | 101.05 | 17.05 | 17.05 | 0.0 | 84.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 15 January 2024 | Repayment | 17.05 | 16.58 | 0.47 | 0.0 | 0.0 | 83.42 | false | true | |
| | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false | |
| | 29 February 2024 | Charge-off | 84.0 | 83.42 | 0.58 | 0.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3500 @AdvancedPaymentAllocation |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is disabled - case when charge-off occurs with allocation to last installment with interest allocation change |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a new accelerate maturity charge-off Loan with last installment strategy, without interest recalculation and with date: "1 January 2024" |
| 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 | | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.00 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 | 01 February 2024 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 17.0 | 0 | 0 | 85.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| When Admin sets the business date to "15 February 2024" |
| And Customer makes "AUTOPAY" repayment on "15 February 2024" with 17.05 EUR transaction amount |
| When Admin sets the business date to "01 February 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | 15 February 2024 | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 17.05 | 17.05 | 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 | 2.05 | 0 | 0 | 102.05 | 34.05 | 17.05 | 0 | 68.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| | 15 February 2024 | Repayment | 17.05 | 16.95 | 0.1 | 0.0 | 0.0 | 66.63 | false | false | |
| When Admin sets the business date to "29 February 2024" |
| And Admin does charge-off the loan on "29 February 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 | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 28 | 29 February 2024 | | 0.0 | 83.58 | 0.47 | 0.0 | 0.0 | 84.05 | 17.05 | 17.05 | 0.0 | 67.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.05 | 0.0 | 0.0 | 101.05 | 34.05 | 17.05 | 0.0 | 67.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| | 15 February 2024 | Repayment | 17.05 | 16.58 | 0.47 | 0.0 | 0.0 | 67.0 | false | true | |
| | 29 February 2024 | Accrual | 1.05 | 0.0 | 1.05 | 0.0 | 0.0 | 0.0 | false | false | |
| | 29 February 2024 | Charge-off | 67.0 | 67.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3467 |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is disabled - case when one fee charge due date is before charge-off date |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a new accelerate maturity charge-off Loan without interest recalculation and with date: "1 January 2024" |
| 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 | | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.00 EUR transaction amount |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 February 2024" due date and 5 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 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 5.0 | 0.0 | 22.0 | 0.0 | 0.0 | 0.0 | 22.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 5 | 0 | 107.05 | 17.0 | 0 | 0 | 90.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| When Admin sets the business date to "1 March 2024" |
| And Admin does charge-off the loan on "1 March 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 | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 0.0 | 83.58 | 0.49 | 5.0 | 0.0 | 89.07 | 0.0 | 0.0 | 0.0 | 89.07 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.07 | 5.0 | 0.0 | 106.07 | 17.0 | 0.0 | 0.0 | 89.07 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 March 2024 | Charge-off | 89.07 | 83.58 | 0.49 | 5.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3468 |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is disabled - case when couple fee charges due dates is before charge-off date |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a new accelerate maturity charge-off Loan without interest recalculation and with date: "1 January 2024" |
| 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 | | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.00 EUR transaction amount |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 February 2024" due date and 5 EUR transaction amount |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "20 February 2024" due date and 3 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 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 8.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 8 | 0 | 110.05 | 17.0 | 0 | 0 | 93.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| When Admin sets the business date to "1 March 2024" |
| And Admin does charge-off the loan on "1 March 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 | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 0.0 | 83.58 | 0.49 | 8.0 | 0.0 | 92.07 | 0.0 | 0.0 | 0.0 | 92.07 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.07 | 8.0 | 0.0 | 109.07 | 17.0 | 0.0 | 0.0 | 92.07 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 March 2024 | Charge-off | 92.07 | 83.58 | 0.49 | 8.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3469 |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is disabled - case when fee and penalty charges due dates is before charge-off date |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a new accelerate maturity charge-off Loan without interest recalculation and with date: "1 January 2024" |
| 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 | | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.00 EUR transaction amount |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 February 2024" due date and 5 EUR transaction amount |
| When Admin sets the business date to "15 February 2024" |
| And Admin adds an NSF fee because of payment bounce with "15 February 2024" transaction date |
| 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 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 5.0 | 10.0 | 32.0 | 0.0 | 0.0 | 0.0 | 32.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 5 | 10 | 117.05 | 17.0 | 0 | 0 | 100.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| When Admin sets the business date to "1 March 2024" |
| And Admin does charge-off the loan on "1 March 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 | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 0.0 | 83.58 | 0.49 | 5.0 | 10.0 | 99.07 | 0.0 | 0.0 | 0.0 | 99.07 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.07 | 5.0 | 10.0 | 116.07 | 17.0 | 0.0 | 0.0 | 99.07 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 March 2024 | Charge-off | 99.07 | 83.58 | 0.49 | 5.0 | 10.0 | 0.0 | false | false | |
| |
| @TestRailId:C3470 |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is disabled - case when fee and penalty charges due dates is before charge-off date, and one charge is waived after charge-off |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a new accelerate maturity charge-off Loan without interest recalculation and with date: "1 January 2024" |
| 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 | | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.00 EUR transaction amount |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 February 2024" due date and 5 EUR transaction amount |
| When Admin sets the business date to "15 February 2024" |
| And Admin adds an NSF fee because of payment bounce with "15 February 2024" transaction date |
| 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 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 5.0 | 10.0 | 32.0 | 0.0 | 0.0 | 0.0 | 32.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 5 | 10 | 117.05 | 17.0 | 0 | 0 | 100.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| When Admin sets the business date to "1 March 2024" |
| And Admin does charge-off the loan on "1 March 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 | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 0.0 | 83.58 | 0.49 | 5.0 | 10.0 | 99.07 | 0.0 | 0.0 | 0.0 | 99.07 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.07 | 5.0 | 10.0 | 116.07 | 17.0 | 0.0 | 0.0 | 99.07 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 March 2024 | Charge-off | 99.07 | 83.58 | 0.49 | 5.0 | 10.0 | 0.0 | false | false | |
| And Admin waives due date charge |
| 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 | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 0.0 | 83.58 | 0.49 | 5.0 | 10.0 | 99.07 | 0.0 | 0.0 | 0.0 | 94.07 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.07 | 5.0 | 10.0 | 116.07 | 17.0 | 0.0 | 0.0 | 94.07 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| | 15 February 2024 | Waive loan charges | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 83.58 | false | false | |
| | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 March 2024 | Charge-off | 94.07 | 83.58 | 0.49 | 0.0 | 10.0 | 0.0 | false | true | |
| |
| @TestRailId:C3471 |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is disabled - case when one fee charge is added after the charge off date |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a new accelerate maturity charge-off Loan without interest recalculation and with date: "1 January 2024" |
| 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 | | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.00 EUR transaction amount |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "05 March 2024" due date and 5 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 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 5.0 | 0.0 | 22.0 | 0.0 | 0.0 | 0.0 | 22.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 5 | 0 | 107.05 | 17.0 | 0 | 0 | 90.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| When Admin sets the business date to "1 March 2024" |
| And Admin does charge-off the loan on "1 March 2024" |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 0.0 | 83.58 | 0.49 | 0.0 | 0.0 | 84.07 | 0.0 | 0.0 | 0.0 | 84.07 | |
| | 3 | 4 | 05 March 2024 | | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.07 | 5.0 | 0.0 | 106.07 | 17.0 | 0.0 | 0.0 | 89.07 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 March 2024 | Charge-off | 89.07 | 83.58 | 0.49 | 5.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3472 |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is disabled - case when couple fee charges due dates is after charge-off date |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a new accelerate maturity charge-off Loan without interest recalculation and with date: "1 January 2024" |
| 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 | | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.00 EUR transaction amount |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "05 March 2024" due date and 5 EUR transaction amount |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 April 2024" due date and 2 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 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 5.0 | 0.0 | 22.0 | 0.0 | 0.0 | 0.0 | 22.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 2.0 | 0.0 | 19.0 | 0.0 | 0.0 | 0.0 | 19.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 7 | 0 | 109.05 | 17.0 | 0 | 0 | 92.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| When Admin sets the business date to "1 March 2024" |
| And Admin does charge-off the loan on "1 March 2024" |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 0.0 | 83.58 | 0.49 | 0.0 | 0.0 | 84.07 | 0.0 | 0.0 | 0.0 | 84.07 | |
| | 3 | 45 | 15 April 2024 | | 0.0 | 0.0 | 0.0 | 7.0 | 0.0 | 7.0 | 0.0 | 0.0 | 0.0 | 7.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.07 | 7.0 | 0.0 | 108.07 | 17.0 | 0.0 | 0.0 | 91.07 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| | 01 March 2024 | Accrual | 1.07 | 0.0 | 1.07 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 March 2024 | Charge-off | 91.07 | 83.58 | 0.49 | 7.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3473 |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is disabled - case when fee and penalty charges due dates is after charge-off date |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a new accelerate maturity charge-off Loan without interest recalculation and with date: "1 January 2024" |
| 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 | | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.00 EUR transaction amount |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "05 March 2024" due date and 5 EUR transaction amount |
| When Admin sets the business date to "15 February 2024" |
| And Admin adds an NSF fee because of payment bounce with "29 February 2024" transaction date |
| 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 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 10.0 | 27.0 | 0.0 | 0.0 | 0.0 | 27.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 5.0 | 0.0 | 22.0 | 0.0 | 0.0 | 0.0 | 22.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 5 | 10 | 117.05 | 17.0 | 0 | 0 | 100.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| And Admin does charge-off the loan on "15 February 2024" |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 14 | 15 February 2024 | | 0.0 | 83.58 | 0.24 | 0.0 | 10.0 | 93.82 | 0.0 | 0.0 | 0.0 | 93.82 | |
| | 3 | 19 | 05 March 2024 | | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 0.82 | 5.0 | 10.0 | 115.82 | 17.0 | 0.0 | 0.0 | 98.82 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| | 15 February 2024 | Accrual | 0.82 | 0.0 | 0.82 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 February 2024 | Charge-off | 98.82 | 83.58 | 0.24 | 5.0 | 10.0 | 0.0 | false | false | |
| |
| @TestRailId:C3474 |
| Scenario: Verify accelerate maturity to charge-off date when interest recalculation is disabled - case when fee and penalty charges due dates is after charge-off date, and one charge is waived after charge-off |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a new accelerate maturity charge-off Loan without interest recalculation and with date: "1 January 2024" |
| 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 | | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.00 EUR transaction amount |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "05 March 2024" due date and 5 EUR transaction amount |
| When Admin sets the business date to "15 February 2024" |
| And Admin adds an NSF fee because of payment bounce with "29 February 2024" transaction date |
| 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 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 10.0 | 27.0 | 0.0 | 0.0 | 0.0 | 27.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 5.0 | 0.0 | 22.0 | 0.0 | 0.0 | 0.0 | 22.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 5 | 10 | 117.05 | 17.0 | 0 | 0 | 100.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| And Admin does charge-off the loan on "15 February 2024" |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 14 | 15 February 2024 | | 0.0 | 83.58 | 0.24 | 0.0 | 10.0 | 93.82 | 0.0 | 0.0 | 0.0 | 93.82 | |
| | 3 | 19 | 05 March 2024 | | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 0.82 | 5.0 | 10.0 | 115.82 | 17.0 | 0.0 | 0.0 | 98.82 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| | 15 February 2024 | Accrual | 0.82 | 0.0 | 0.82 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 February 2024 | Charge-off | 98.82 | 83.58 | 0.24 | 5.0 | 10.0 | 0.0 | false | false | |
| And Admin waives charge |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 14 | 15 February 2024 | | 0.0 | 83.58 | 0.24 | 0.0 | 10.0 | 93.82 | 0.0 | 0.0 | 0.0 | 83.82 | |
| | 3 | 19 | 05 March 2024 | | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 0.82 | 5.0 | 10.0 | 115.82 | 17.0 | 0.0 | 0.0 | 88.82 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.0 | 16.42 | 0.58 | 0.0 | 0.0 | 83.58 | false | false | |
| | 15 February 2024 | Waive loan charges | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 83.58 | false | false | |
| | 15 February 2024 | Accrual | 0.82 | 0.0 | 0.82 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 February 2024 | Charge-off | 88.82 | 83.58 | 0.24 | 5.0 | 0.0 | 0.0 | false | true | |
| |
| @TestRailId:C3508 |
| Scenario: Verify interest portion on Charge-off transaction in case of backdated full repayment on the same period |
| When Admin sets the business date to "01 January 2023" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2023 | 1000 | 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 2023" with "1000" amount and expected disbursement date on "01 January 2023" |
| And Admin successfully disburse the loan on "01 January 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 January 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2023 | | 835.74 | 164.26 | 5.83 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | |
| | 2 | 28 | 01 March 2023 | | 670.53 | 165.21 | 4.88 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | |
| | 3 | 31 | 01 April 2023 | | 504.35 | 166.18 | 3.91 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | |
| | 4 | 30 | 01 May 2023 | | 337.2 | 167.15 | 2.94 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | |
| | 5 | 31 | 01 June 2023 | | 169.08 | 168.12 | 1.97 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | |
| | 6 | 30 | 01 July 2023 | | 0.0 | 169.08 | 0.99 | 0.0 | 0.0 | 170.07 | 0.0 | 0.0 | 0.0 | 170.07 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 20.52 | 0 | 0 | 1020.52 | 0 | 0 | 0 | 1020.52 | |
| And Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| When Admin sets the business date to "15 January 2023" |
| And Customer makes "AUTOPAY" repayment on "15 January 2023" with 170.09 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 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2023 | 15 January 2023 | 832.54 | 167.46 | 2.63 | 0.0 | 0.0 | 170.09 | 170.09 | 170.09 | 0.0 | 0.0 | |
| | 2 | 28 | 01 March 2023 | | 669.98 | 162.56 | 7.53 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | |
| | 3 | 31 | 01 April 2023 | | 503.8 | 166.18 | 3.91 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | |
| | 4 | 30 | 01 May 2023 | | 336.65 | 167.15 | 2.94 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | |
| | 5 | 31 | 01 June 2023 | | 168.52 | 168.13 | 1.96 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | |
| | 6 | 30 | 01 July 2023 | | 0.0 | 168.52 | 0.98 | 0.0 | 0.0 | 169.5 | 0.0 | 0.0 | 0.0 | 169.5 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 19.95 | 0 | 0 | 1019.95 | 170.09 | 170.09 | 0 | 849.86 | |
| And Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 15 January 2023 | Repayment | 170.09 | 167.46 | 2.63 | 0.0 | 0.0 | 832.54 | false | false | |
| When Admin sets the business date to "31 January 2023" |
| And Admin does charge-off the loan on "31 January 2023" |
| Then LoanBalanceChangedBusinessEvent is created on "31 January 2023" |
| 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 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2023 | 15 January 2023 | 835.05 | 164.95 | 5.14 | 0.0 | 0.0 | 170.09 | 170.09 | 170.09 | 0.0 | 0.0 | |
| | 2 | 28 | 01 March 2023 | | 664.96 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | |
| | 3 | 31 | 01 April 2023 | | 494.87 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | |
| | 4 | 30 | 01 May 2023 | | 324.78 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | |
| | 5 | 31 | 01 June 2023 | | 154.69 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | |
| | 6 | 30 | 01 July 2023 | | 0.0 | 154.69 | 0.0 | 0.0 | 0.0 | 154.69 | 0.0 | 0.0 | 0.0 | 154.69 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 5.14 | 0 | 0 | 1005.14 | 170.09 | 170.09 | 0 | 835.05 | |
| And Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 15 January 2023 | Repayment | 170.09 | 167.46 | 2.63 | 0.0 | 0.0 | 832.54 | false | false | |
| | 31 January 2023 | Accrual | 5.14 | 0.0 | 5.14 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 January 2023 | Charge-off | 835.05 | 832.54 | 2.51 | 0.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3511 |
| Scenario: Backdate charge-off reverse accruals with isInterestRecognitionOnDisbursementDate = true |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_RECOGNITION_DISBURSEMENT_DAILY_EMI_360_30_ACCRUAL_ACTIVITY | 01 January 2024 | 1000 | 26 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | | 757.98 | 242.02 | 21.67 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 2 | 29 | 01 March 2024 | | 510.71 | 247.27 | 16.42 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 3 | 31 | 01 April 2024 | | 258.09 | 252.62 | 11.07 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 258.09 | 5.59 | 0.0 | 0.0 | 263.68 | 0.0 | 0.0 | 0.0 | 263.68 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 54.75 | 0 | 0 | 1054.75 | 0 | 0 | 0 | 1054.75 | |
| Then Loan Product response contains interestRecognitionOnDisbursementDate flag with value "true" |
| And Admin successfully approves the loan on "1 January 2024" with "1000" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "1000" EUR transaction amount |
| And Admin runs inline COB job for Loan |
| When Admin sets the business date to "15 January 2024" |
| And Customer makes "AUTOPAY" repayment on "15 January 2024" with 263.69 EUR transaction amount |
| When Admin sets the business date to "20 January 2024" |
| Then Admin runs inline COB job for Loan |
| And Admin does charge-off the loan on "17 January 2024" |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 01 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 02 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Repayment | 263.69 | 253.91 | 9.78 | 0.0 | 0.0 | 746.09 | false | false | |
| | 15 January 2024 | Accrual | 0.53 | 0.0 | 0.53 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Charge-off | 787.64 | 746.09 | 41.55 | 0.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3512 |
| Scenario: Backdate charge-off reverse accruals with isInterestRecognitionOnDisbursementDate = false |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 1000 | 26 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | | 757.98 | 242.02 | 21.67 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 2 | 29 | 01 March 2024 | | 510.71 | 247.27 | 16.42 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 3 | 31 | 01 April 2024 | | 258.09 | 252.62 | 11.07 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 258.09 | 5.59 | 0.0 | 0.0 | 263.68 | 0.0 | 0.0 | 0.0 | 263.68 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 54.75 | 0 | 0 | 1054.75 | 0 | 0 | 0 | 1054.75 | |
| Then Loan Product response contains interestRecognitionOnDisbursementDate flag with value "false" |
| And Admin successfully approves the loan on "1 January 2024" with "1000" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "1000" EUR transaction amount |
| And Admin runs inline COB job for Loan |
| When Admin sets the business date to "15 January 2024" |
| And Customer makes "AUTOPAY" repayment on "15 January 2024" with 263.69 EUR transaction amount |
| When Admin sets the business date to "20 January 2024" |
| Then Admin runs inline COB job for Loan |
| And Admin does charge-off the loan on "17 January 2024" |
| 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 | |
| | 02 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Repayment | 263.69 | 253.91 | 9.78 | 0.0 | 0.0 | 746.09 | false | false | |
| | 15 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.53 | 0.0 | 0.53 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Charge-off | 787.64 | 746.09 | 41.55 | 0.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3519 |
| Scenario: Charge-off on progressive loan when accounting is none |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_ACCOUNTING_RULE_NONE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin sets the business date to "15 January 2024" |
| And Customer makes "AUTOPAY" repayment on "15 January 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 March 2024" |
| And Admin does charge-off the loan on "01 March 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 | 15 January 2024 | 83.25 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.0 | 16.25 | 0.76 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.38 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.66 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.85 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.85 | 0.1 | 0.0 | 0.0 | 16.95 | 0.0 | 0.0 | 0.0 | 16.95 | |
| And Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 15 January 2024 | Repayment | 17.01 | 16.75 | 0.26 | 0.0 | 0.0 | 83.25 | false | false | |
| | 01 March 2024 | Charge-off | 84.99 | 83.25 | 1.74 | 0.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3513 |
| Scenario: Accrual handling in case of charged-off loan when loan behavior is zero-interest with interestRecalculation enabled, interest recognition from disbursement date = FALSE |
| When Admin sets the business date to "2 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin runs inline COB job for Loan |
| When Admin sets the business date to "31 January 2024" |
| When Admin runs inline COB job for Loan |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| And Admin does charge-off the loan on "31 January 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "31 January 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.55 | 16.45 | 0.56 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 66.54 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 49.53 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 32.52 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 15.51 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 0.56 | 0 | 0 | 100.56 | 0.0 | 0 | 0 | 100.56 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 January 2024 | Charge-off | 100.56 | 100.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | |
| Then LoanAccrualTransactionCreatedBusinessEvent is raised on "31 January 2024" |
| |
| @TestRailId:C3514 |
| Scenario: Accrual handling in case of charged-off loan when loan behavior is zero-interest with interestRecalculation enabled, interest recognition from disbursement date = TRUE |
| When Admin sets the business date to "2 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin runs inline COB job for Loan |
| When Admin sets the business date to "31 January 2024" |
| When Admin runs inline COB job for Loan |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 22 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 30 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| And Admin does charge-off the loan on "31 January 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.55 | 16.45 | 0.56 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 66.54 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 49.53 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 32.52 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 15.51 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 | 0.0 | 0.0 | 0.0 | 15.51 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 0.56 | 0 | 0 | 100.56 | 0.0 | 0 | 0 | 100.56 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 22 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 30 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 January 2024 | Charge-off | 100.56 | 100.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3515 |
| Scenario: Accrual handling in case of charged-off loan and backdated repayment reversal when loan behavior is zero-interest with interestRecalculation enabled, interest recognition from disbursement date = FALSE |
| When Admin sets the business date to "01 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 1000 | 26 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2024" with "1000" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "1000" EUR transaction amount |
| When Admin runs inline COB job for Loan |
| 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 | | 757.98 | 242.02 | 21.67 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 2 | 29 | 01 March 2024 | | 510.71 | 247.27 | 16.42 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 3 | 31 | 01 April 2024 | | 258.09 | 252.62 | 11.07 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 258.09 | 5.59 | 0.0 | 0.0 | 263.68 | 0.0 | 0.0 | 0.0 | 263.68 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 54.75 | 0 | 0 | 1054.75 | 0 | 0 | 0 | 1054.75 | |
| When Admin sets the business date to "15 January 2024" |
| When Admin runs inline COB job for Loan |
| And Customer makes "AUTOPAY" repayment on "15 January 2024" with 263.69 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 | 15 January 2024 | 746.09 | 253.91 | 9.78 | 0.0 | 0.0 | 263.69 | 263.69 | 263.69 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 507.44 | 238.65 | 25.04 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 3 | 31 | 01 April 2024 | | 254.74 | 252.7 | 10.99 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 254.74 | 5.52 | 0.0 | 0.0 | 260.26 | 0.0 | 0.0 | 0.0 | 260.26 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 51.33 | 0 | 0 | 1051.33 | 263.69 | 263.69 | 0 | 787.64 | |
| 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 | |
| | 02 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Repayment | 263.69 | 253.91 | 9.78 | 0.0 | 0.0 | 746.09 | false | false | |
| When Admin sets the business date to "20 January 2024" |
| When Admin runs inline COB job for Loan |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 02 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Repayment | 263.69 | 253.91 | 9.78 | 0.0 | 0.0 | 746.09 | false | false | |
| | 15 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.53 | 0.0 | 0.53 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| And Admin does charge-off the loan on "20 January 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "20 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 | 15 January 2024 | 748.7 | 251.3 | 12.39 | 0.0 | 0.0 | 263.69 | 263.69 | 263.69 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 485.01 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 3 | 31 | 01 April 2024 | | 221.32 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 221.32 | 0.0 | 0.0 | 0.0 | 221.32 | 0.0 | 0.0 | 0.0 | 221.32 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 12.39 | 0 | 0 | 1012.39 | 263.69 | 263.69 | 0 | 748.7 | |
| 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 | |
| | 02 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Repayment | 263.69 | 253.91 | 9.78 | 0.0 | 0.0 | 746.09 | false | false | |
| | 15 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.53 | 0.0 | 0.53 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Charge-off | 748.7 | 746.09 | 2.61 | 0.0 | 0.0 | 0.0 | false | false | |
| Then LoanAccrualTransactionCreatedBusinessEvent is raised on "20 January 2024" |
| When Admin sets the business date to "21 January 2024" |
| When Customer undo "1"th "Repayment" transaction made on "15 January 2024" |
| 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 | |
| | 02 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Repayment | 263.69 | 253.91 | 9.78 | 0.0 | 0.0 | 746.09 | true | false | |
| | 15 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.53 | 0.0 | 0.53 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Accrual | 0.89 | 0.0 | 0.89 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Charge-off | 1013.28 | 1000.0 | 13.28 | 0.0 | 0.0 | 0.0 | false | true | |
| |
| @TestRailId:C3516 |
| Scenario: Accrual handling in case of charged-off loan with backdated repayment when loan behavior is zero-interest with interestRecalculation enabled, interest recognition from disbursement date = FALSE |
| When Admin sets the business date to "01 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 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 "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin runs inline COB job for Loan |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| When Admin sets the business date to "14 February 2024" |
| When Admin runs inline COB job for Loan |
| And Admin does charge-off the loan on "14 February 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "14 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 | | 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 | | 66.82 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 49.81 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 32.8 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 15.79 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 15.79 | 0.0 | 0.0 | 0.0 | 15.79 | 0.0 | 0.0 | 0.0 | 15.79 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 0.84 | 0 | 0 | 100.84 | 0 | 0 | 0 | 100.84 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 February 2024 | Charge-off | 100.84 | 100.0 | 0.84 | 0.0 | 0.0 | 0.0 | false | false | |
| Then LoanAccrualTransactionCreatedBusinessEvent is raised on "14 February 2024" |
| # ----- backdated repayment on 1 February made on 14 February ----- # |
| 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 | | 66.78 | 16.79 | 0.22 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 49.77 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 32.76 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 15.75 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 15.75 | 0.0 | 0.0 | 0.0 | 15.75 | 0.0 | 0.0 | 0.0 | 15.75 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 0.8 | 0 | 0 | 100.8 | 17.01 | 0 | 0 | 83.79 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 February 2024 | Accrual Adjustment | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 February 2024 | Charge-off | 83.79 | 83.57 | 0.22 | 0.0 | 0.0 | 0.0 | false | true | |
| Then LoanAccrualAdjustmentTransactionBusinessEvent is raised on "14 February 2024" |
| |
| @TestRailId:C3517 |
| Scenario: Accrual handling in case of charged-off loan and backdated repayment reversal when loan behavior is zero-interest with interestRecalculation enabled, interest recognition from disbursement date = TRUE |
| When Admin sets the business date to "2 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE | 01 January 2024 | 1000 | 26 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2024" with "1000" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "1000" EUR transaction amount |
| When Admin runs inline COB job for Loan |
| 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 | | 757.98 | 242.02 | 21.67 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 2 | 29 | 01 March 2024 | | 510.71 | 247.27 | 16.42 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 3 | 31 | 01 April 2024 | | 258.09 | 252.62 | 11.07 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 258.09 | 5.59 | 0.0 | 0.0 | 263.68 | 0.0 | 0.0 | 0.0 | 263.68 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 54.75 | 0 | 0 | 1054.75 | 0 | 0 | 0 | 1054.75 | |
| When Admin sets the business date to "15 January 2024" |
| When Admin runs inline COB job for Loan |
| And Customer makes "AUTOPAY" repayment on "15 January 2024" with 263.69 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 | 15 January 2024 | 746.09 | 253.91 | 9.78 | 0.0 | 0.0 | 263.69 | 263.69 | 263.69 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 507.44 | 238.65 | 25.04 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 3 | 31 | 01 April 2024 | | 254.74 | 252.7 | 10.99 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 254.74 | 5.52 | 0.0 | 0.0 | 260.26 | 0.0 | 0.0 | 0.0 | 260.26 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 51.33 | 0 | 0 | 1051.33 | 263.69 | 263.69 | 0 | 787.64 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 01 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 02 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Repayment | 263.69 | 253.91 | 9.78 | 0.0 | 0.0 | 746.09 | false | false | |
| When Admin sets the business date to "20 January 2024" |
| When Admin runs inline COB job for Loan |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 01 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 02 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Repayment | 263.69 | 253.91 | 9.78 | 0.0 | 0.0 | 746.09 | false | false | |
| | 15 January 2024 | Accrual | 0.53 | 0.0 | 0.53 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| And Admin does charge-off the loan on "20 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 | 15 January 2024 | 748.7 | 251.3 | 12.39 | 0.0 | 0.0 | 263.69 | 263.69 | 263.69 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 485.01 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 3 | 31 | 01 April 2024 | | 221.32 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | 0.0 | 0.0 | 0.0 | 263.69 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 221.32 | 0.0 | 0.0 | 0.0 | 221.32 | 0.0 | 0.0 | 0.0 | 221.32 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 12.39 | 0 | 0 | 1012.39 | 263.69 | 263.69 | 0 | 748.7 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 01 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 02 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Repayment | 263.69 | 253.91 | 9.78 | 0.0 | 0.0 | 746.09 | false | false | |
| | 15 January 2024 | Accrual | 0.53 | 0.0 | 0.53 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Charge-off | 748.7 | 746.09 | 2.61 | 0.0 | 0.0 | 0.0 | false | false | |
| When Admin sets the business date to "21 January 2024" |
| When Customer undo "1"th "Repayment" transaction made on "15 January 2024" |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| | 01 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 02 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Repayment | 263.69 | 253.91 | 9.78 | 0.0 | 0.0 | 746.09 | true | false | |
| | 15 January 2024 | Accrual | 0.53 | 0.0 | 0.53 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.52 | 0.0 | 0.52 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Accrual | 0.89 | 0.0 | 0.89 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Charge-off | 1013.28 | 1000.0 | 13.28 | 0.0 | 0.0 | 0.0 | false | true | |
| Then LoanAccrualTransactionCreatedBusinessEvent is raised on "20 January 2024" |
| |
| @TestRailId:C3518 |
| Scenario: Accrual handling in case of charged-off loan with backdated repayment when loan behavior is zero-interest with interestRecalculation enabled, interest recognition from disbursement date = TRUE |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_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 "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin runs inline COB job for Loan |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| When Admin sets the business date to "14 February 2024" |
| When Admin runs inline COB job for Loan |
| And Admin does charge-off the loan on "14 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 | | 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 | | 66.82 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 49.81 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 32.8 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 15.79 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 15.79 | 0.0 | 0.0 | 0.0 | 15.79 | 0.0 | 0.0 | 0.0 | 15.79 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 0.84 | 0 | 0 | 100.84 | 0 | 0 | 0 | 100.84 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 22 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 30 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 February 2024 | Charge-off | 100.84 | 100.0 | 0.84 | 0.0 | 0.0 | 0.0 | false | false | |
| # ----- backdated repayment on 1 February made on 14 February ----- # |
| 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 | | 66.78 | 16.79 | 0.22 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 49.77 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 32.76 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 15.75 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 15.75 | 0.0 | 0.0 | 0.0 | 15.75 | 0.0 | 0.0 | 0.0 | 15.75 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 0.8 | 0 | 0 | 100.8 | 17.01 | 0 | 0 | 83.79 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 22 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 30 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 02 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 February 2024 | Accrual Adjustment | 0.04 | 0.0 | 0.04 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 February 2024 | Charge-off | 83.79 | 83.57 | 0.22 | 0.0 | 0.0 | 0.0 | false | true | |
| Then LoanAccrualAdjustmentTransactionBusinessEvent is raised on "14 February 2024" |
| |
| @TestRailId:C3559 |
| Scenario: Reverse-replay Charge-off with accrual adjustment due to backdated payment |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP1_INTEREST_360_30_DECLINING_BALANCE_PERIOD_DAILY_INT_RECALC | 01 January 2024 | 1000 | 26 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER | |
| And Admin successfully approves the loan on "1 January 2024" with "1000" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "1000" EUR transaction amount |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 757.67 | 242.33 | 21.67 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 | |
| | 2 | 29 | 01 March 2024 | | 510.09 | 247.58 | 16.42 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 | |
| | 3 | 31 | 01 April 2024 | | 257.14 | 252.95 | 11.05 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 257.14 | 5.57 | 0.0 | 0.0 | 262.71 | 0.0 | 0.0 | 0.0 | 262.71 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 54.71 | 0 | 0 | 1054.71 | 0.0 | 0.0 | 0.0 | 1054.71 | |
| 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 | |
| # Run COB for each day from Jan 1 to Jan 19 to create accrual entries |
| When Admin sets the business date to "3 January 2024" |
| When Admin runs inline COB job for Loan |
| 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 | | 757.67 | 242.33 | 21.67 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 | |
| | 2 | 29 | 01 March 2024 | | 510.09 | 247.58 | 16.42 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 | |
| | 3 | 31 | 01 April 2024 | | 257.14 | 252.95 | 11.05 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 257.14 | 5.57 | 0.0 | 0.0 | 262.71 | 0.0 | 0.0 | 0.0 | 262.71 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 54.71 | 0 | 0 | 1054.71 | 0.0 | 0.0 | 0.0 | 1054.71 | |
| 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 | |
| | 02 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| When Admin sets the business date to "20 January 2024" |
| When Admin runs inline COB job for Loan |
| When Admin sets the business date to "15 January 2024" |
| And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 January 2024" with 264 EUR transaction amount and system-generated Idempotency key and check external owner |
| 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 | 15 January 2024 | 757.67 | 242.33 | 21.67 | 0.0 | 0.0 | 264.0 | 264.0 | 264.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 510.09 | 247.58 | 16.42 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 | |
| | 3 | 31 | 01 April 2024 | | 257.14 | 252.95 | 11.05 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 257.14 | 5.57 | 0.0 | 0.0 | 262.71 | 0.0 | 0.0 | 0.0 | 262.71 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 54.71 | 0 | 0 | 1054.71 | 264.0 | 264.0 | 0.0 | 790.71 | |
| When Admin sets the business date to "20 January 2024" |
| And Admin does charge-off the loan on "20 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 | 15 January 2024 | 757.67 | 242.33 | 21.67 | 0.0 | 0.0 | 264.0 | 264.0 | 264.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 510.09 | 247.58 | 16.42 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 | |
| | 3 | 31 | 01 April 2024 | | 257.14 | 252.95 | 11.05 | 0.0 | 0.0 | 264.0 | 0.0 | 0.0 | 0.0 | 264.0 | |
| | 4 | 30 | 01 May 2024 | | 0.0 | 257.14 | 5.57 | 0.0 | 0.0 | 262.71 | 0.0 | 0.0 | 0.0 | 262.71 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000 | 54.71 | 0 | 0 | 1054.71 | 264.0 | 264.0 | 0.0 | 790.71 | |
| 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 | |
| | 02 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Repayment | 264.0 | 242.33 | 21.67 | 0.0 | 0.0 | 757.67 | false | false | |
| | 16 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.69 | 0.0 | 0.69 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Accrual Adjustment | 12.58 | 0.0 | 12.58 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Charge-off | 790.71 | 757.67 | 33.04 | 0.0 | 0.0 | 0.0 | false | false | |
| Then Loan marked as charged-off on "20 January 2024" |
| Then LoanAccrualAdjustmentTransactionBusinessEvent is raised on "20 January 2024" |
| |
| @TestRailId:C3567 |
| Scenario: Charge-off reversal on a fraud loan respects GL mapping based on charge-off reason |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_DELINQUENT_REASON | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| Then Admin can successfully set Fraud flag to the loan |
| When Admin sets the business date to "03 February 2024" |
| And Admin does charge-off the loan with reason "DELINQUENT" on "03 February 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "03 February 2024" |
| Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "03 February 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | | 100.0 | |
| | ASSET | 112603 | Interest/Fee Receivable | | 0.61 | |
| | EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | | |
| | INCOME | 404001 | Interest Income Charge Off | 0.61 | | |
| Then Admin does a charge-off undo the loan |
| Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "03 February 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | | 100.0 | |
| | ASSET | 112601 | Loans Receivable | 100.0 | | |
| | ASSET | 112603 | Interest/Fee Receivable | | 0.61 | |
| | ASSET | 112603 | Interest/Fee Receivable | 0.61 | | |
| | EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | | |
| | EXPENSE | 744007 | Credit Loss/Bad Debt | | 100.0 | |
| | INCOME | 404001 | Interest Income Charge Off | 0.61 | | |
| | INCOME | 404001 | Interest Income Charge Off | | 0.61 | |
| |
| @TestRailId:C3572 |
| Scenario: Charge-off added before reversed charge-off when loan with interestRecalculation - UC1 |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin sets the business date to "23 January 2024" |
| And Admin does charge-off the loan on "23 January 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "23 January 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.4 | 16.6 | 0.41 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 66.39 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 49.38 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 32.37 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 15.36 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 0.41 | 0 | 0 | 100.41 | 0 | 0 | 0 | 100.41 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 23 January 2024 | Accrual | 0.41 | 0.0 | 0.41 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Charge-off | 100.41 | 100.0 | 0.41 | 0.0 | 0.0 | 0.0 | false | false | |
| Then Admin does a charge-off undo the loan |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 23 January 2024 | Accrual | 0.41 | 0.0 | 0.41 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Charge-off | 100.41 | 100.0 | 0.41 | 0.0 | 0.0 | 0.0 | true | false | |
| And Admin does charge-off the loan on "05 January 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.07 | 16.93 | 0.08 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 66.06 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 49.05 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 32.04 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 15.03 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 15.03 | 0.0 | 0.0 | 0.0 | 15.03 | 0.0 | 0.0 | 0.0 | 15.03 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 0.08 | 0 | 0 | 100.08 | 0 | 0 | 0 | 100.08 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 05 January 2024 | Accrual | 0.08 | 0.0 | 0.08 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Charge-off | 100.08 | 100.0 | 0.08 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Charge-off | 100.41 | 100.0 | 0.41 | 0.0 | 0.0 | 0.0 | true | false | |
| |
| @TestRailId:C3573 |
| Scenario: Charge-off added before reversed repayment when loan with interestRecalculation - UC2 |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin sets the business date to "23 January 2024" |
| When Admin runs inline COB job for Loan |
| And Customer makes "AUTOPAY" repayment on "23 January 2024" with 17.01 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 23 January 2024 | 83.4 | 16.6 | 0.41 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.03 | 16.37 | 0.64 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.41 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.69 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.88 | 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 | 16.88 | 0.1 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.03 | 0.0 | 0.0 | 102.03 | 17.01 | 17.01 | 0.0 | 85.02 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 22 January 2024 | Accrual | 0.4 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Repayment | 17.01 | 16.6 | 0.41 | 0.0 | 0.0 | 83.4 | false | false | |
| When Customer undo "1"th repayment on "23 January 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 22 January 2024 | Accrual | 0.4 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Repayment | 17.01 | 16.6 | 0.41 | 0.0 | 0.0 | 83.4 | true | false | |
| And Admin does charge-off the loan on "05 January 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "23 January 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.07 | 16.93 | 0.08 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 66.06 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 49.05 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 32.04 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 15.03 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 15.03 | 0.0 | 0.0 | 0.0 | 15.03 | 0.0 | 0.0 | 0.0 | 15.03 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 0.08 | 0 | 0 | 100.08 | 0 | 0 | 0 | 100.08 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 05 January 2024 | Accrual | 0.08 | 0.0 | 0.08 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Charge-off | 100.08 | 100.0 | 0.08 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Repayment | 17.01 | 16.6 | 0.41 | 0.0 | 0.0 | 83.4 | true | false | |
| |
| @TestRailId:C3574 |
| Scenario: Charge-off added before reversed repayment with accruals after run COB when loan with interestRecalculation - UC3 |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin runs inline COB job for Loan |
| When Admin sets the business date to "23 January 2024" |
| When Admin runs inline COB job for Loan |
| And Customer makes "AUTOPAY" repayment on "23 January 2024" with 17.01 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 23 January 2024 | 83.4 | 16.6 | 0.41 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.03 | 16.37 | 0.64 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.41 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.69 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.88 | 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 | 16.88 | 0.1 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.03 | 0.0 | 0.0 | 102.03 | 17.01 | 17.01 | 0.0 | 85.02 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Repayment | 17.01 | 16.6 | 0.41 | 0.0 | 0.0 | 83.4 | false | false | |
| When Customer undo "1"th repayment on "23 January 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Repayment | 17.01 | 16.6 | 0.41 | 0.0 | 0.0 | 83.4 | true | false | |
| And Admin does charge-off the loan on "05 January 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "23 January 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.07 | 16.93 | 0.08 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 66.06 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 49.05 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 32.04 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 15.03 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 15.03 | 0.0 | 0.0 | 0.0 | 15.03 | 0.0 | 0.0 | 0.0 | 15.03 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 0.08 | 0 | 0 | 100.08 | 0 | 0 | 0 | 100.08 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Charge-off | 100.08 | 100.0 | 0.08 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Repayment | 17.01 | 16.6 | 0.41 | 0.0 | 0.0 | 83.4 | true | false | |
| |
| @TestRailId:C3575 |
| Scenario: Charge-off after repayment when loan with interestRecalculation is forbidden - UC4 |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin sets the business date to "23 January 2024" |
| When Admin runs inline COB job for Loan |
| And Customer makes "AUTOPAY" repayment on "23 January 2024" with 17.01 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 23 January 2024 | 83.4 | 16.6 | 0.41 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.03 | 16.37 | 0.64 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.41 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.69 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.88 | 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 | 16.88 | 0.1 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.03 | 0.0 | 0.0 | 102.03 | 17.01 | 17.01 | 0.0 | 85.02 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 22 January 2024 | Accrual | 0.4 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Repayment | 17.01 | 16.6 | 0.41 | 0.0 | 0.0 | 83.4 | false | false | |
| Then Charge-off transaction is not possible on "05 January 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 23 January 2024 | 83.4 | 16.6 | 0.41 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.03 | 16.37 | 0.64 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.41 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.69 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.88 | 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 | 16.88 | 0.1 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.03 | 0.0 | 0.0 | 102.03 | 17.01 | 17.01 | 0.0 | 85.02 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 22 January 2024 | Accrual | 0.4 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Repayment | 17.01 | 16.6 | 0.41 | 0.0 | 0.0 | 83.4 | false | false | |
| |
| @TestRailId:C3576 |
| Scenario: Charge-off before reversed Goodwill Credit when loan is interestRecalculation is forbidden - UC5 |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin sets the business date to "23 January 2024" |
| When Admin makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "23 January 2024" with 10 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.56 | 16.44 | 0.57 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 66.98 | 16.58 | 0.43 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.3 | 16.68 | 0.33 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.53 | 16.77 | 0.24 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.66 | 16.87 | 0.14 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.66 | 0.04 | 0.0 | 0.0 | 16.7 | 10.0 | 10.0 | 0.0 | 6.7 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.75 | 0.0 | 0.0 | 101.75 | 10.0 | 10.0 | 0.0 | 91.75 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 23 January 2024 | Goodwill Credit | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | false | false | |
| Then Charge-off transaction is not possible on "05 January 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.56 | 16.44 | 0.57 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 66.98 | 16.58 | 0.43 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.3 | 16.68 | 0.33 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.53 | 16.77 | 0.24 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.66 | 16.87 | 0.14 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.66 | 0.04 | 0.0 | 0.0 | 16.7 | 10.0 | 10.0 | 0.0 | 6.7 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 1.75 | 0.0 | 0.0 | 101.75 | 10.0 | 10.0 | 0.0 | 91.75 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 23 January 2024 | Goodwill Credit | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | false | false | |
| |
| @TestRailId:C3577 |
| Scenario: Charge-off after charge waived when loan with interestRecalculation is forbidden - UC6 |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin sets the business date to "23 January 2024" |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "23 January 2024" due date and 5 EUR transaction amount |
| And Admin waives charge |
| Then Charge-off transaction is not possible on "05 January 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 5.0 | 0.0 | 22.01 | 0.0 | 0.0 | 0.0 | 5.0 | 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 | 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 | 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 | 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 | 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 | 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 | Waived | Outstanding | |
| | 100 | 2.05 | 5.0 | 0 | 107.05 | 0.0 | 0 | 0 | 5.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 23 January 2024 | Waive loan charges | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| And Loan Charges tab has the following data: |
| | Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding | |
| | Snooze fee | false | Specified due date | 23 January 2024 | Flat | 5.0 | 0.0 | 5.0 | 0.0 | |
| # --- check if it's forbidden to do charge-off before transaction with later date ---# |
| Then Charge-off transaction is not possible on "05 January 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 5.0 | 0.0 | 22.01 | 0.0 | 0.0 | 0.0 | 5.0 | 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 | 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 | 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 | 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 | 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 | 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 | Waived | Outstanding | |
| | 100 | 2.05 | 5.0 | 0 | 107.05 | 0.0 | 0 | 0 | 5.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 23 January 2024 | Waive loan charges | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| And Loan Charges tab has the following data: |
| | Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding | |
| | Snooze fee | false | Specified due date | 23 January 2024 | Flat | 5.0 | 0.0 | 5.0 | 0.0 | |
| |
| @TestRailId:C3645 |
| Scenario: Charge-off added before charge and charge waive transactions when loan with interestRecalculation - UC7 |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin sets the business date to "23 January 2024" |
| And Admin adds "LOAN_NSF_FEE" due date charge with "23 January 2024" due date and 5 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 | 5.0 | 22.01 | 0.0 | 0.0 | 0.0 | 22.01 | |
| | 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 | 2.05 | 0 | 5.0 | 107.05 | 0 | 0 | 0 | 107.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| And 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 | 23 January 2024 | Flat | 5.0 | 0.0 | 0.0 | 5.0 | |
| Then Charge-off transaction is not possible on "05 January 2024" due to monetary activity before |
| # --- waive charge --- # |
| Then Admin waives charge |
| 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 | 5.0 | 22.01 | 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 | 2.05 | 0 | 5.0 | 107.05 | 0 | 0 | 0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 23 January 2024 | Waive loan charges | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| And 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 | 23 January 2024 | Flat | 5.0 | 0.0 | 5.0 | 0.0 | |
| Then Charge-off transaction is not possible on "05 January 2024" |
| # --- undo waive charge ---# |
| Then Admin makes waive undone for charge |
| 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 | 5.0 | 22.01 | 0.0 | 0.0 | 0.0 | 22.01 | |
| | 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 | 2.05 | 0 | 5.0 | 107.05 | 0 | 0 | 0 | 107.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 23 January 2024 | Waive loan charges | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | true | false | |
| And 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 | 23 January 2024 | Flat | 5.0 | 0.0 | 0.0 | 5.0 | |
| Then Charge-off transaction is not possible on "05 January 2024" due to monetary activity before |
| |
| @TestRailId:C3611 |
| Scenario: As a user I want to verify that backdated transactions are allowed after charge-off and backdated full repayment, interestRecalculation = false |
| When Admin sets the business date to "11 March 2025" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_DELINQUENT_REASON | 11 March 2025 | 500 | 7 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "11 March 2025" with "500" amount and expected disbursement date on "11 March 2025" |
| And Admin successfully disburse the loan on "11 March 2025" with "500" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | | |
| | 1 | 31 | 11 April 2025 | | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 2 | 30 | 11 May 2025 | | 335.36 | 82.56 | 2.44 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 3 | 31 | 11 June 2025 | | 252.32 | 83.04 | 1.96 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 4 | 30 | 11 July 2025 | | 168.79 | 83.53 | 1.47 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 5 | 31 | 11 August 2025 | | 84.77 | 84.02 | 0.98 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 6 | 31 | 11 September 2025| | 0.0 | 84.77 | 0.49 | 0.0 | 0.0 | 85.26 | 0.0 | 0.0 | 0.0 | 0.0 | 85.26 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | 500.0 | 10.26 | 0.0 | 0 | 510.26 | 0.0 | 0 | 0 | 0.0 | 510.26 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false | |
| Then Admin can successfully set Fraud flag to the loan |
| When Admin runs inline COB job for Loan |
| When Admin sets the business date to "14 April 2025" |
| And Admin does charge-off the loan with reason "DELINQUENT" on "14 April 2025" |
| Then LoanBalanceChangedBusinessEvent is created on "14 April 2025" |
| Then Loan marked as charged-off on "14 April 2025" |
| 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 | Waived | Outstanding | |
| | | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | | |
| | 1 | 31 | 11 April 2025 | | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 2 | 30 | 11 May 2025 | | 333.16 | 84.76 | 0.24 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 3 | 31 | 11 June 2025 | | 248.16 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 4 | 30 | 11 July 2025 | | 163.16 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 5 | 31 | 11 August 2025 | | 78.16 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 6 | 31 | 11 September 2025 | | 0.0 | 78.16 | 0.0 | 0.0 | 0.0 | 78.16 | 0.0 | 0.0 | 0.0 | 0.0 | 78.16 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | 500.0 | 3.16 | 0.0 | 0 | 503.16 | 0 | 0 | 0 | 0.0 | 503.16 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false | |
| | 14 April 2025 | Accrual | 3.16 | 0.0 | 3.16 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Charge-off | 503.16 | 500.0 | 3.16 | 0.0 | 0.0 | 0.0 | false | false | |
| When Admin runs inline COB job for Loan |
| When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "13 April 2025" with 500 EUR transaction amount and system-generated Idempotency key |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | | |
| | 1 | 31 | 11 April 2025 | 13 April 2025 | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 85.0 | 0.0 | 85.0 | 0.0 | 0.0 | |
| | 2 | 30 | 11 May 2025 | 13 April 2025 | 335.36 | 82.56 | 2.44 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 11 June 2025 | 13 April 2025 | 252.32 | 83.04 | 1.96 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 4 | 30 | 11 July 2025 | 13 April 2025 | 168.79 | 83.53 | 1.47 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 5 | 31 | 11 August 2025 | 13 April 2025 | 84.77 | 84.02 | 0.98 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 6 | 31 | 11 September 2025 | | 0.0 | 84.77 | 0.0 | 0.0 | 0.0 | 84.77 | 75.0 | 75.0 | 0.0 | 0.0 | 9.77 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | 500.0 | 9.77 | 0.0 | 0 | 509.77 | 500.0 | 415.0 | 85.0 | 0.0 | 9.77 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false | |
| | 13 April 2025 | Repayment | 500.0 | 490.23 | 9.77 | 0.0 | 0.0 | 9.77 | false | false | |
| | 14 April 2025 | Accrual | 3.16 | 0.0 | 3.16 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual Adjustment | 0.24 | 0.0 | 0.24 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Charge-off | 9.77 | 9.77 | 0.0 | 0.0 | 0.0 | 0.0 | false | true | |
| When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "13 April 2025" with 500 EUR transaction amount and system-generated Idempotency key |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | | |
| | 1 | 31 | 11 April 2025 | 13 April 2025 | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 85.0 | 0.0 | 85.0 | 0.0 | 0.0 | |
| | 2 | 30 | 11 May 2025 | 13 April 2025 | 335.36 | 82.56 | 2.44 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 11 June 2025 | 13 April 2025 | 252.32 | 83.04 | 1.96 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 4 | 30 | 11 July 2025 | 13 April 2025 | 168.79 | 83.53 | 1.47 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 5 | 31 | 11 August 2025 | 13 April 2025 | 84.77 | 84.02 | 0.98 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 6 | 31 | 11 September 2025 | 13 April 2025 | 0.0 | 84.77 | 0.49 | 0.0 | 0.0 | 85.26 | 85.26 | 85.26 | 0.0 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | 500.0 | 10.26 | 0.0 | 0 | 510.26 | 510.26 | 425.26 | 85.0 | 0.0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false | |
| | 13 April 2025 | Repayment | 500.0 | 490.23 | 9.77 | 0.0 | 0.0 | 9.77 | false | false | |
| | 13 April 2025 | Merchant Issued Refund | 500.0 | 9.77 | 0.49 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual | 3.16 | 0.0 | 3.16 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual Adjustment | 0.24 | 0.0 | 0.24 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual | 7.34 | 0.0 | 7.34 | 0.0 | 0.0 | 0.0 | false | false | |
| When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "13 April 2025" with 500 EUR transaction amount and system-generated Idempotency key |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | | |
| | 1 | 31 | 11 April 2025 | 13 April 2025 | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 85.0 | 0.0 | 85.0 | 0.0 | 0.0 | |
| | 2 | 30 | 11 May 2025 | 13 April 2025 | 335.36 | 82.56 | 2.44 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 11 June 2025 | 13 April 2025 | 252.32 | 83.04 | 1.96 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 4 | 30 | 11 July 2025 | 13 April 2025 | 168.79 | 83.53 | 1.47 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 5 | 31 | 11 August 2025 | 13 April 2025 | 84.77 | 84.02 | 0.98 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 6 | 31 | 11 September 2025 | 13 April 2025 | 0.0 | 84.77 | 0.49 | 0.0 | 0.0 | 85.26 | 85.26 | 85.26 | 0.0 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | 500.0 | 10.26 | 0.0 | 0 | 510.26 | 510.26 | 425.26 | 85.0 | 0.0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false | |
| | 13 April 2025 | Repayment | 500.0 | 490.23 | 9.77 | 0.0 | 0.0 | 9.77 | false | false | |
| | 13 April 2025 | Merchant Issued Refund | 500.0 | 9.77 | 0.49 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 April 2025 | Goodwill Credit | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual | 3.16 | 0.0 | 3.16 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual Adjustment | 0.24 | 0.0 | 0.24 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual | 7.34 | 0.0 | 7.34 | 0.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3612 |
| Scenario: As a user I want to verify that backdated transactions are allowed after charge-off and backdated full repayment, interestRecalculation = true |
| When Admin sets the business date to "11 March 2025" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_DELINQUENT_REASON_INTEREST_RECALC | 11 March 2025 | 500 | 7 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "11 March 2025" with "500" amount and expected disbursement date on "11 March 2025" |
| And Admin successfully disburse the loan on "11 March 2025" with "500" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | | |
| | 1 | 31 | 11 April 2025 | | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 2 | 30 | 11 May 2025 | | 335.36 | 82.56 | 2.44 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 3 | 31 | 11 June 2025 | | 252.32 | 83.04 | 1.96 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 4 | 30 | 11 July 2025 | | 168.79 | 83.53 | 1.47 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 5 | 31 | 11 August 2025 | | 84.77 | 84.02 | 0.98 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 6 | 31 | 11 September 2025| | 0.0 | 84.77 | 0.49 | 0.0 | 0.0 | 85.26 | 0.0 | 0.0 | 0.0 | 0.0 | 85.26 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | 500.0 | 10.26 | 0.0 | 0 | 510.26 | 0.0 | 0 | 0 | 0.0 | 510.26 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false | |
| Then Admin can successfully set Fraud flag to the loan |
| When Admin runs inline COB job for Loan |
| When Admin sets the business date to "14 April 2025" |
| And Admin does charge-off the loan with reason "DELINQUENT" on "14 April 2025" |
| Then LoanBalanceChangedBusinessEvent is created on "14 April 2025" |
| Then Loan marked as charged-off on "14 April 2025" |
| 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 | Waived | Outstanding | |
| | | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | | |
| | 1 | 31 | 11 April 2025 | | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 2 | 30 | 11 May 2025 | | 333.21 | 84.71 | 0.29 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 3 | 31 | 11 June 2025 | | 248.21 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 4 | 30 | 11 July 2025 | | 163.21 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 5 | 31 | 11 August 2025 | | 78.21 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 | |
| | 6 | 31 | 11 September 2025 | | 0.0 | 78.21 | 0.0 | 0.0 | 0.0 | 78.21 | 0.0 | 0.0 | 0.0 | 0.0 | 78.21 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | 500.0 | 3.21 | 0.0 | 0 | 503.21 | 0.0 | 0 | 0 | 0.0 | 503.21 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false | |
| | 14 April 2025 | Accrual | 3.21 | 0.0 | 3.21 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Charge-off | 503.21 | 500.0 | 3.21 | 0.0 | 0.0 | 0.0 | false | false | |
| When Admin runs inline COB job for Loan |
| When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "13 April 2025" with 500 EUR transaction amount and system-generated Idempotency key |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | | |
| | 1 | 31 | 11 April 2025 | 13 April 2025 | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 85.0 | 0.0 | 85.0 | 0.0 | 0.0 | |
| | 2 | 30 | 11 May 2025 | 13 April 2025 | 333.12 | 84.8 | 0.2 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 11 June 2025 | 13 April 2025 | 248.12 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 4 | 30 | 11 July 2025 | 13 April 2025 | 163.12 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 5 | 31 | 11 August 2025 | 13 April 2025 | 78.12 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 6 | 31 | 11 September 2025 | | 0.0 | 78.12 | 0.0 | 0.0 | 0.0 | 78.12 | 75.0 | 75.0 | 0.0 | 0.0 | 3.12 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | 500.0 | 3.12 | 0.0 | 0 | 503.12 | 500.0 | 415.0 | 85.0 | 0.0 | 3.12 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false | |
| | 13 April 2025 | Repayment | 500.0 | 496.89 | 3.11 | 0.0 | 0.0 | 3.11 | false | false | |
| | 14 April 2025 | Accrual | 3.21 | 0.0 | 3.21 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual Adjustment | 0.09 | 0.0 | 0.09 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Charge-off | 3.12 | 3.11 | 0.01 | 0.0 | 0.0 | 0.0 | false | true | |
| When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "13 April 2025" with 500 EUR transaction amount and system-generated Idempotency key |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | | |
| | 1 | 31 | 11 April 2025 | 13 April 2025 | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 85.0 | 0.0 | 85.0 | 0.0 | 0.0 | |
| | 2 | 30 | 11 May 2025 | 13 April 2025 | 333.11 | 84.81 | 0.19 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 11 June 2025 | 13 April 2025 | 248.11 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 4 | 30 | 11 July 2025 | 13 April 2025 | 163.11 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 5 | 31 | 11 August 2025 | 13 April 2025 | 78.11 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 6 | 31 | 11 September 2025 | 13 April 2025 | 0.0 | 78.11 | 0.0 | 0.0 | 0.0 | 78.11 | 78.11 | 78.11 | 0.0 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | 500.0 | 3.11 | 0.0 | 0 | 503.11 | 503.11 | 418.11 | 85.0 | 0.0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false | |
| | 13 April 2025 | Repayment | 500.0 | 496.89 | 3.11 | 0.0 | 0.0 | 3.11 | false | false | |
| | 13 April 2025 | Merchant Issued Refund | 500.0 | 3.11 | 0.0 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual | 3.21 | 0.0 | 3.21 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual Adjustment | 0.09 | 0.0 | 0.09 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual Adjustment | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "13 April 2025" with 500 EUR transaction amount and system-generated Idempotency key |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | | |
| | 1 | 31 | 11 April 2025 | 13 April 2025 | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 85.0 | 0.0 | 85.0 | 0.0 | 0.0 | |
| | 2 | 30 | 11 May 2025 | 13 April 2025 | 333.11 | 84.81 | 0.19 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 11 June 2025 | 13 April 2025 | 248.11 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 4 | 30 | 11 July 2025 | 13 April 2025 | 163.11 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 5 | 31 | 11 August 2025 | 13 April 2025 | 78.11 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 | |
| | 6 | 31 | 11 September 2025 | 13 April 2025 | 0.0 | 78.11 | 0.0 | 0.0 | 0.0 | 78.11 | 78.11 | 78.11 | 0.0 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | 500.0 | 3.11 | 0.0 | 0 | 503.11 | 503.11 | 418.11 | 85.0 | 0.0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false | |
| | 13 April 2025 | Repayment | 500.0 | 496.89 | 3.11 | 0.0 | 0.0 | 3.11 | false | false | |
| | 13 April 2025 | Merchant Issued Refund | 500.0 | 3.11 | 0.0 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 April 2025 | Goodwill Credit | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual | 3.21 | 0.0 | 3.21 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual Adjustment | 0.09 | 0.0 | 0.09 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual Adjustment | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C3618 |
| Scenario: Charge-off on a fraud loan respects GL mapping based on charge-off reason for buyback |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_DELINQUENT_REASON | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| 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 | | 83.58 | 16.42 | 0.58 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 2 | 29 | 01 March 2024 | | 67.07 | 16.51 | 0.49 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 3 | 31 | 01 April 2024 | | 50.46 | 16.61 | 0.39 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 4 | 30 | 01 May 2024 | | 33.75 | 16.71 | 0.29 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.8 | 0.2 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin makes asset externalization request by Loan ID with unique ownerExternalId, system-generated transferExternalId and the following data: |
| | Transaction type | settlementDate | purchasePriceRatio | |
| | sale | 2024-01-21 | 1 | |
| Then Asset externalization response has the correct Loan ID, transferExternalId |
| Then Fetching Asset externalization details by loan id gives numberOfElements: 1 with correct ownerExternalId and the following data: |
| | settlementDate | purchasePriceRatio | status | effectiveFrom | effectiveTo | Transaction type | |
| | 2024-01-21 | 1 | PENDING | 2024-01-01 | 9999-12-31 | SALE | |
| When Admin sets the business date to "22 January 2024" |
| When Admin runs inline COB job for Loan |
| Then LoanOwnershipTransferBusinessEvent is created |
| Then LoanAccountSnapshotBusinessEvent is created |
| Then Fetching Asset externalization details by loan id gives numberOfElements: 2 with correct ownerExternalId and the following data: |
| | settlementDate | purchasePriceRatio | status | effectiveFrom | effectiveTo | Transaction type | |
| | 2024-01-21 | 1 | PENDING | 2024-01-01 | 2024-01-21 | SALE | |
| | 2024-01-21 | 1 | ACTIVE | 2024-01-22 | 9999-12-31 | SALE | |
| Then The latest asset externalization transaction with "ACTIVE" status has the following TRANSFER Journal entries: |
| | glAccountType | glAccountCode | glAccountName | entryType | amount | |
| | ASSET | 112601 | Loans Receivable | CREDIT | 100.00 | |
| | ASSET | 112603 | Interest/Fee Receivable | CREDIT | 2.05 | |
| | ASSET | 146000 | Asset transfer | DEBIT | 102.05 | |
| | ASSET | 112601 | Loans Receivable | DEBIT | 100.00 | |
| | ASSET | 112603 | Interest/Fee Receivable | DEBIT | 2.05 | |
| | ASSET | 146000 | Asset transfer | CREDIT | 102.05 | |
| Then The asset external owner has the following OWNER Journal entries: |
| | glAccountType | glAccountCode | glAccountName | entryType | amount | |
| | ASSET | 112601 | Loans Receivable | DEBIT | 100.00 | |
| | ASSET | 112603 | Interest/Fee Receivable | DEBIT | 2.05 | |
| Then Admin can successfully set Fraud flag to the loan |
| When Admin sets the business date to "03 February 2024" |
| And Admin does charge-off the loan with reason "DELINQUENT" on "03 February 2024" |
| Then LoanBalanceChangedBusinessEvent is created on "03 February 2024" |
| Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "03 February 2024" which has the following Journal entries: |
| | Type | Account code | Account name | Debit | Credit | |
| | ASSET | 112601 | Loans Receivable | | 100.0 | |
| | ASSET | 112603 | Interest/Fee Receivable | | 0.61 | |
| | EXPENSE | 744007 | Credit Loss/Bad Debt | 100.0 | | |
| | INCOME | 404001 | Interest Income Charge Off | 0.61 | | |
| When Admin makes asset externalization request by Loan ID with unique ownerExternalId, system-generated transferExternalId and the following data: |
| | Transaction type | settlementDate | purchasePriceRatio | |
| | buyback | 2024-02-03 | | |
| Then Fetching Asset externalization details by loan id gives numberOfElements: 3 with correct ownerExternalId and the following data: |
| | settlementDate | purchasePriceRatio | status | effectiveFrom | effectiveTo | Transaction type | |
| | 2024-01-21 | 1 | PENDING | 2024-01-01 | 2024-01-21 | SALE | |
| | 2024-01-21 | 1 | ACTIVE | 2024-01-22 | 9999-12-31 | SALE | |
| | 2024-02-03 | 1 | BUYBACK | 2024-02-03 | 9999-12-31 | BUYBACK | |
| When Admin sets the business date to "04 May 2024" |
| When Admin runs inline COB job for Loan |
| Then LoanOwnershipTransferBusinessEvent is created |
| Then LoanAccountSnapshotBusinessEvent is created |
| Then Fetching Asset externalization details by loan id gives numberOfElements: 3 with correct ownerExternalId and the following data: |
| | settlementDate | purchasePriceRatio | status | effectiveFrom | effectiveTo | Transaction type | |
| | 2024-01-21 | 1 | PENDING | 2024-01-01 | 2024-01-21 | SALE | |
| | 2024-01-21 | 1 | ACTIVE | 2024-01-22 | 2024-02-03 | SALE | |
| | 2024-02-03 | 1 | BUYBACK | 2024-02-03 | 2024-02-03 | BUYBACK | |
| Then The latest asset externalization transaction with "BUYBACK" status has the following TRANSFER Journal entries: |
| | glAccountType | glAccountCode | glAccountName | entryType | amount | |
| | EXPENSE | 744007 | Credit Loss/Bad Debt | DEBIT | 100.00 | |
| | INCOME | 404001 | Interest Income Charge Off | DEBIT | 0.61 | |
| | ASSET | 146000 | Asset transfer | CREDIT | 100.61 | |
| | EXPENSE | 744007 | Credit Loss/Bad Debt | CREDIT | 100.00 | |
| | INCOME | 404001 | Interest Income Charge Off | CREDIT | 0.61 | |
| | ASSET | 146000 | Asset transfer | DEBIT | 100.61 | |
| Then The asset external owner has the following OWNER Journal entries: |
| | glAccountType | glAccountCode | glAccountName | entryType | amount | |
| | ASSET | 112601 | Loans Receivable | DEBIT | 100.00 | |
| | ASSET | 112603 | Interest/Fee Receivable | DEBIT | 2.05 | |
| | ASSET | 112603 | Interest/Fee Receivable | DEBIT | 0.23 | |
| | INCOME | 404000 | Interest Income | CREDIT | 0.23 | |
| | ASSET | 112601 | Loans Receivable | CREDIT | 100.00 | |
| | ASSET | 112603 | Interest/Fee Receivable | CREDIT | 0.61 | |
| | EXPENSE | 744007 | Credit Loss/Bad Debt | DEBIT | 100.00 | |
| | INCOME | 404001 | Interest Income Charge Off | DEBIT | 0.61 | |
| | EXPENSE | 744007 | Credit Loss/Bad Debt | CREDIT | 100.00 | |
| | INCOME | 404001 | Interest Income Charge Off | CREDIT | 0.61 | |
| |
| @TestRailId:C3619 |
| Scenario: Verify repayment reversal after charge-off and merchant issued refund |
| When Admin sets the business date to "14 March 2025" |
| 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 | 14 March 2025 | 900 | 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 "14 March 2025" with "900" amount and expected disbursement date on "14 March 2025" |
| And Admin successfully disburse the loan on "14 March 2025" with "900" 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 | |
| | | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 14 April 2025 | | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 2 | 30 | 14 May 2025 | | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 3 | 31 | 14 June 2025 | | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 4 | 30 | 14 July 2025 | | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 0.0 | 0.0 | 0.0 | 229.68 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 0.0 | 0.0 | 0.0 | 918.75 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | |
| When Admin sets the business date to "05 April 2025" |
| And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "05 April 2025" 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 | |
| | | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 14 April 2025 | | 677.63 | 222.37 | 7.32 | 0.0 | 0.0 | 229.69 | 100.0 | 100.0 | 0.0 | 129.69 | |
| | 2 | 30 | 14 May 2025 | | 453.45 | 224.18 | 5.51 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 3 | 31 | 14 June 2025 | | 227.57 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 4 | 30 | 14 July 2025 | | 0.0 | 227.57 | 1.85 | 0.0 | 0.0 | 229.42 | 0.0 | 0.0 | 0.0 | 229.42 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 900.0 | 18.49 | 0.0 | 0.0 | 918.49 | 100.0 | 100.0 | 0.0 | 818.49 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | |
| | 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | |
| When Admin sets the business date to "14 April 2025" |
| And Admin does charge-off the loan on "14 April 2025" |
| When Admin runs inline COB job for Loan |
| 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 | |
| | | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 14 April 2025 | | 677.63 | 222.37 | 7.32 | 0.0 | 0.0 | 229.69 | 100.0 | 100.0 | 0.0 | 129.69 | |
| | 2 | 30 | 14 May 2025 | | 453.45 | 224.18 | 5.51 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 3 | 31 | 14 June 2025 | | 227.57 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 4 | 30 | 14 July 2025 | | 0.0 | 227.57 | 1.85 | 0.0 | 0.0 | 229.42 | 0.0 | 0.0 | 0.0 | 229.42 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 900.0 | 18.49 | 0.0 | 0.0 | 918.49 | 100.0 | 100.0 | 0.0 | 818.49 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | |
| | 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | |
| | 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 | |
| | 14 April 2025 | Charge-off | 818.49 | 800.0 | 18.49 | 0.0 | 0.0 | 0.0 | |
| When Admin sets the business date to "15 April 2025" |
| And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 April 2025" with 900 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 | |
| | | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 14 April 2025 | 15 April 2025 | 677.63 | 222.37 | 7.32 | 0.0 | 0.0 | 229.69 | 229.69 | 100.0 | 129.69 | 0.0 | |
| | 2 | 30 | 14 May 2025 | 15 April 2025 | 453.45 | 224.18 | 5.51 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 | |
| | 3 | 31 | 14 June 2025 | 15 April 2025 | 227.57 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 | |
| | 4 | 30 | 14 July 2025 | 15 April 2025 | 0.0 | 227.57 | 1.85 | 0.0 | 0.0 | 229.42 | 229.42 | 229.42 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 900.0 | 18.49 | 0.0 | 0.0 | 918.49 | 918.49 | 788.8 | 129.69 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | |
| | 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | |
| | 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 | |
| | 14 April 2025 | Charge-off | 818.49 | 800.0 | 18.49 | 0.0 | 0.0 | 0.0 | |
| | 15 April 2025 | Merchant Issued Refund | 900.0 | 800.0 | 18.49 | 0.0 | 0.0 | 0.0 | |
| | 15 April 2025 | Interest Refund | 18.49 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| When Customer undo "1"th repayment on "05 April 2025" |
| 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 | |
| | | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 14 April 2025 | 15 April 2025 | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 229.69 | 0.0 | 229.69 | 0.0 | |
| | 2 | 30 | 14 May 2025 | 15 April 2025 | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 | |
| | 3 | 31 | 14 June 2025 | 15 April 2025 | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 | |
| | 4 | 30 | 14 July 2025 | 15 April 2025 | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 229.68 | 229.68 | 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 | |
| | 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 918.75 | 689.06 | 229.69 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false | |
| | 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | true | false | |
| | 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Charge-off | 918.75 | 900.0 | 18.75 | 0.0 | 0.0 | 0.0 | false | true | |
| | 15 April 2025 | Merchant Issued Refund | 900.0 | 883.1 | 16.9 | 0.0 | 0.0 | 16.9 | false | true | |
| | 15 April 2025 | Interest Refund | 18.75 | 16.9 | 1.85 | 0.0 | 0.0 | 0.0 | false | true | |
| |
| @TestRailId:C3620 |
| Scenario: Verify repayment reversal after zero interest behaviour charge-off and merchant issued refund |
| When Admin sets the business date to "14 March 2025" |
| 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_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF | 14 March 2025 | 900 | 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 "14 March 2025" with "900" amount and expected disbursement date on "14 March 2025" |
| And Admin successfully disburse the loan on "14 March 2025" with "900" 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 | |
| | | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 14 April 2025 | | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 2 | 30 | 14 May 2025 | | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 3 | 31 | 14 June 2025 | | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 4 | 30 | 14 July 2025 | | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 0.0 | 0.0 | 0.0 | 229.68 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 0.0 | 0.0 | 0.0 | 918.75 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | |
| When Admin sets the business date to "05 April 2025" |
| And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "05 April 2025" 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 | |
| | | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 14 April 2025 | | 677.63 | 222.37 | 7.32 | 0.0 | 0.0 | 229.69 | 100.0 | 100.0 | 0.0 | 129.69 | |
| | 2 | 30 | 14 May 2025 | | 453.45 | 224.18 | 5.51 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 3 | 31 | 14 June 2025 | | 227.57 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 4 | 30 | 14 July 2025 | | 0.0 | 227.57 | 1.85 | 0.0 | 0.0 | 229.42 | 0.0 | 0.0 | 0.0 | 229.42 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 900.0 | 18.49 | 0.0 | 0.0 | 918.49 | 100.0 | 100.0 | 0.0 | 818.49 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | |
| | 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | |
| When Admin sets the business date to "14 April 2025" |
| And Admin does charge-off the loan on "14 April 2025" |
| When Admin runs inline COB job for Loan |
| 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 | |
| | | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 14 April 2025 | | 677.63 | 222.37 | 7.32 | 0.0 | 0.0 | 229.69 | 100.0 | 100.0 | 0.0 | 129.69 | |
| | 2 | 30 | 14 May 2025 | | 447.94 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 3 | 31 | 14 June 2025 | | 218.25 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 4 | 30 | 14 July 2025 | | 0.0 | 218.25 | 0.0 | 0.0 | 0.0 | 218.25 | 0.0 | 0.0 | 0.0 | 218.25 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 900.0 | 7.32 | 0.0 | 0.0 | 907.32 | 100.0 | 100.0 | 0.0 | 807.32 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | |
| | 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | |
| | 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 | |
| | 14 April 2025 | Charge-off | 807.32 | 800.0 | 7.32 | 0.0 | 0.0 | 0.0 | |
| When Admin sets the business date to "15 April 2025" |
| And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 April 2025" with 900 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 | |
| | | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 14 April 2025 | 15 April 2025 | 677.63 | 222.37 | 7.32 | 0.0 | 0.0 | 229.69 | 229.69 | 100.0 | 129.69 | 0.0 | |
| | 2 | 30 | 14 May 2025 | 15 April 2025 | 447.94 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 | |
| | 3 | 31 | 14 June 2025 | 15 April 2025 | 218.25 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 | |
| | 4 | 30 | 14 July 2025 | 15 April 2025 | 0.0 | 218.25 | 0.0 | 0.0 | 0.0 | 218.25 | 218.25 | 218.25 | 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 | |
| | 900.0 | 7.32 | 0.0 | 0.0 | 907.32 | 907.32 | 777.63 | 129.69 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | |
| | 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | |
| | 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 | |
| | 14 April 2025 | Charge-off | 807.32 | 800.0 | 7.32 | 0.0 | 0.0 | 0.0 | |
| | 15 April 2025 | Merchant Issued Refund | 900.0 | 800.0 | 7.32 | 0.0 | 0.0 | 0.0 | |
| | 15 April 2025 | Interest Refund | 7.32 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| When Customer undo "1"th repayment on "05 April 2025" |
| 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 | |
| | | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 14 April 2025 | 15 April 2025 | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 229.69 | 0.0 | 229.69 | 0.0 | |
| | 2 | 30 | 14 May 2025 | 15 April 2025 | 448.19 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 | |
| | 3 | 31 | 14 June 2025 | 15 April 2025 | 218.5 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 | |
| | 4 | 30 | 14 July 2025 | 15 April 2025 | 0.0 | 218.5 | 0.0 | 0.0 | 0.0 | 218.5 | 218.5 | 218.5 | 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 | |
| | 900.0 | 7.57 | 0.0 | 0.0 | 907.57 | 907.57 | 677.88 | 229.69 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false | |
| | 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | true | false | |
| | 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Charge-off | 907.57 | 900.0 | 7.57 | 0.0 | 0.0 | 0.0 | false | true | |
| | 15 April 2025 | Merchant Issued Refund | 900.0 | 892.43 | 7.57 | 0.0 | 0.0 | 7.57 | false | true | |
| | 15 April 2025 | Interest Refund | 7.57 | 7.57 | 0.0 | 0.0 | 0.0 | 0.0 | false | true | |
| |
| @TestRailId:C3621 |
| Scenario: Verify repayment reversal after accelerate maturity behaviour charge-off and merchant issued refund |
| When Admin sets the business date to "14 March 2025" |
| 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_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ACCELERATE_MATURITY_CHARGE_OFF | 14 March 2025 | 900 | 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 "14 March 2025" with "900" amount and expected disbursement date on "14 March 2025" |
| And Admin successfully disburse the loan on "14 March 2025" with "900" 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 | |
| | | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 14 April 2025 | | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 2 | 30 | 14 May 2025 | | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 3 | 31 | 14 June 2025 | | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 4 | 30 | 14 July 2025 | | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 0.0 | 0.0 | 0.0 | 229.68 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 0.0 | 0.0 | 0.0 | 918.75 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | |
| When Admin sets the business date to "05 April 2025" |
| And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "05 April 2025" 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 | |
| | | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 14 April 2025 | | 677.63 | 222.37 | 7.32 | 0.0 | 0.0 | 229.69 | 100.0 | 100.0 | 0.0 | 129.69 | |
| | 2 | 30 | 14 May 2025 | | 453.45 | 224.18 | 5.51 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 3 | 31 | 14 June 2025 | | 227.57 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | |
| | 4 | 30 | 14 July 2025 | | 0.0 | 227.57 | 1.85 | 0.0 | 0.0 | 229.42 | 0.0 | 0.0 | 0.0 | 229.42 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 900.0 | 18.49 | 0.0 | 0.0 | 918.49 | 100.0 | 100.0 | 0.0 | 818.49 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | |
| | 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | |
| When Admin sets the business date to "14 April 2025" |
| And Admin does charge-off the loan on "14 April 2025" |
| Then LoanBalanceChangedBusinessEvent is created on "14 April 2025" |
| When Admin runs inline COB job for Loan |
| Then Loan Repayment schedule has 1 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 14 April 2025 | | 0.0 | 900.0 | 7.32 | 0.0 | 0.0 | 907.32 | 100.0 | 100.0 | 0.0 | 807.32 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 900.0 | 7.32 | 0.0 | 0.0 | 907.32 | 100.0 | 100.0 | 0.0 | 807.32 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | |
| | 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | |
| | 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 | |
| | 14 April 2025 | Charge-off | 807.32 | 800.0 | 7.32 | 0.0 | 0.0 | 0.0 | |
| When Admin sets the business date to "15 April 2025" |
| And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 April 2025" with 900 EUR transaction amount and system-generated Idempotency key |
| Then Loan Repayment schedule has 1 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 14 April 2025 | 15 April 2025 | 0.0 | 900.0 | 7.32 | 0.0 | 0.0 | 907.32 | 907.32 | 100.0 | 807.32 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 900.0 | 7.32 | 0.0 | 0.0 | 907.32 | 907.32 | 100.0 | 807.32 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | |
| | 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | |
| | 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 | |
| | 14 April 2025 | Charge-off | 807.32 | 800.0 | 7.32 | 0.0 | 0.0 | 0.0 | |
| | 15 April 2025 | Merchant Issued Refund | 900.0 | 800.0 | 7.32 | 0.0 | 0.0 | 0.0 | |
| | 15 April 2025 | Interest Refund | 7.32 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| When Customer undo "1"th repayment on "05 April 2025" |
| Then Loan Repayment schedule has 1 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 14 April 2025 | 15 April 2025 | 0.0 | 900.0 | 7.57 | 0.0 | 0.0 | 907.57 | 907.57 | 0.0 | 907.57 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 900.0 | 7.57 | 0.0 | 0.0 | 907.57 | 907.57 | 0.0 | 907.57 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false | |
| | 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | true | false | |
| | 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 April 2025 | Charge-off | 907.57 | 900.0 | 7.57 | 0.0 | 0.0 | 0.0 | false | true | |
| | 15 April 2025 | Merchant Issued Refund | 900.0 | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true | |
| | 15 April 2025 | Interest Refund | 7.57 | 0.0 | 7.57 | 0.0 | 0.0 | 0.0 | false | true | |
| |
