| @DelayedScheduleCapturesFeature |
| Feature: Full Term Tranche - Schedule handling and Calculations - Part2 |
| |
| @TestRailId:C4593 |
| Scenario: Verify full term tranche interest bearing progressive loan with charges/penalties - UC4 (Both charges on same due date) |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_FULL_TERM_TRANCHE | 01 January 2024 | 200 | 9.4822 | 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 "200" 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 | |
| When Admin sets the business date to "15 January 2024" |
| When Admin adds "LOAN_NSF_FEE" due date charge with "15 April 2024" due date and 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 10.0 | 27.13 | 0.0 | 0.0 | 0.0 | 27.13 | |
| | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.78 | 0.0 | 10.0 | 112.78 | 0.0 | 0.0 | 0.0 | 112.78 | |
| When Admin sets the business date to "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 10.0 | 44.26 | 0.0 | 0.0 | 0.0 | 44.26 | |
| | 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 5.56 | 0.0 | 10.0 | 215.56 | 0.0 | 0.0 | 0.0 | 215.56 | |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "15 April 2024" due date and 5 EUR transaction amount |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 5.0 | 10.0 | 49.26 | 0.0 | 0.0 | 0.0 | 49.26 | |
| | 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 5.56 | 5.0 | 10.0 | 220.56 | 0.0 | 0.0 | 0.0 | 220.56 | |
| Then 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 | 15 April 2024 | Flat | 5.0 | 0.0 | 0.0 | 5.0 | |
| | NSF fee | true | Specified due date | 15 April 2024 | Flat | 10.0 | 0.0 | 0.0 | 10.0 | |
| When Loan Pay-off is made on "01 February 2024" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4594 |
| Scenario: Verify full term tranche interest bearing progressive loan with charges/penalties - UC5 (Snooze fee waive after 2nd disbursement) |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_FULL_TERM_TRANCHE | 01 January 2024 | 200 | 9.4822 | 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 "200" 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 | |
| When Admin sets the business date to "15 January 2024" |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "01 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 5.0 | 0.0 | 22.13 | 0.0 | 0.0 | 0.0 | 22.13 | |
| | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.78 | 5.0 | 0.0 | 107.78 | 0.0 | 0.0 | 0.0 | 107.78 | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13 EUR transaction amount |
| When Admin successfully disburse the loan on "01 February 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 5.0 | 0.0 | 39.26 | 0.0 | 0.0 | 0.0 | 39.26 | |
| | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 5.56 | 5.0 | 0.0 | 210.56 | 17.13 | 0.0 | 0.0 | 193.43 | |
| When Admin sets the business date to "15 February 2024" |
| And Admin waives charge |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | | |
| | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 5.0 | 0.0 | 39.26 | 0.0 | 0.0 | 0.0 | 5.0 | 34.26 | |
| | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 0.0 | 17.13 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding | |
| | 200.0 | 5.56 | 5.0 | 0.0 | 210.56 | 17.13 | 0.0 | 0.0 | 5.0 | 188.43 | |
| 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false | |
| | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false | |
| | 15 February 2024 | Waive loan charges | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false | |
| Then 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 | 01 March 2024 | Flat | 5.0 | 0.0 | 5.0 | 0.0 | |
| When Loan Pay-off is made on "15 February 2024" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4595 |
| Scenario: Verify full term tranche interest bearing progressive loan with charges/penalties - UC6 (NSF penalty adjustment after 2nd disbursement) |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_FULL_TERM_TRANCHE | 01 January 2024 | 200 | 9.4822 | 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 "200" 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 | |
| When Admin sets the business date to "15 January 2024" |
| When Admin adds "LOAN_NSF_FEE" due date charge with "01 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 5.0 | 22.13 | 0.0 | 0.0 | 0.0 | 22.13 | |
| | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.78 | 0.0 | 5.0 | 107.78 | 0.0 | 0.0 | 0.0 | 107.78 | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13 EUR transaction amount |
| When Admin successfully disburse the loan on "01 February 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 5.0 | 39.26 | 0.0 | 0.0 | 0.0 | 39.26 | |
| | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 5.56 | 0.0 | 5.0 | 210.56 | 17.13 | 0.0 | 0.0 | 193.43 | |
| When Admin sets the business date to "15 February 2024" |
| When Admin makes a charge adjustment for the last "LOAN_NSF_FEE" type charge which is due on "01 March 2024" with 5 EUR transaction amount and externalId "" |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 5.0 | 39.26 | 5.0 | 5.0 | 0.0 | 34.26 | |
| | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 5.56 | 0.0 | 5.0 | 210.56 | 22.13 | 5.0 | 0.0 | 188.43 | |
| 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 | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false | |
| | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false | |
| | 15 February 2024 | Charge Adjustment | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 183.66 | false | false | |
| Then Loan Charges tab has the following data: |
| | Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding | |
| | NSF fee | true | Specified due date | 01 March 2024 | Flat | 5.0 | 5.0 | 0.0 | 0.0 | |
| When Loan Pay-off is made on "15 February 2024" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4597 |
| Scenario: Verify full term tranche interest bearing progressive loan - interest pause handling UC1: interest pause happy path |
| 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_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_FULL_TERM_TRANCHE | 01 January 2024 | 200 | 9.4822 | 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 "200" amount and expected disbursement date on "01 January 2024" |
| And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 | |
| 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 | |
| # --- Repayment on Feb 1 + 2nd disbursement on same day --- |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13 EUR transaction amount |
| And Admin successfully disburse the loan on "01 February 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 17.13 | 0.0 | 0.0 | 188.43 | |
| 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 | |
| | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false | |
| | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false | |
| # --- Interest pause from 02 April 2024 to 01 May 2024 --- |
| When Admin sets the business date to "02 February 2024" |
| And Create an interest pause period with start date "02 April 2024" and end date "01 May 2024" |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 83.52 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 49.92 | 33.6 | 0.66 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 16.05 | 33.87 | 0.39 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 16.05 | 0.13 | 0.0 | 0.0 | 16.18 | 0.0 | 0.0 | 0.0 | 16.18 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 4.61 | 0.0 | 0.0 | 204.61 | 17.13 | 0.0 | 0.0 | 187.48 | |
| When Loan Pay-off is made on "02 February 2024" |
| And Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4598 |
| Scenario: Verify full term tranche interest bearing progressive loan - interest pause handling UC2: multiple interest pauses |
| 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_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_FULL_TERM_TRANCHE | 01 January 2024 | 200 | 9.4822 | 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 "200" amount and expected disbursement date on "01 January 2024" |
| And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 | |
| 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 | |
| # --- Repayment on Feb 1 + 2nd disbursement on same day --- |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13 EUR transaction amount |
| And Admin successfully disburse the loan on "01 February 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 17.13 | 0.0 | 0.0 | 188.43 | |
| 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 | |
| | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false | |
| | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false | |
| # --- First interest pause from 02 April 2024 to 01 May 2024 --- |
| When Admin sets the business date to "02 February 2024" |
| And Create an interest pause period with start date "02 April 2024" and end date "01 May 2024" |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 83.52 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 49.92 | 33.6 | 0.66 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 16.05 | 33.87 | 0.39 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 16.05 | 0.13 | 0.0 | 0.0 | 16.18 | 0.0 | 0.0 | 0.0 | 16.18 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 4.61 | 0.0 | 0.0 | 204.61 | 17.13 | 0.0 | 0.0 | 187.48 | |
| # --- Second interest pause from 15 May 2024 to 25 May 2024 --- |
| And Create an interest pause period with start date "15 May 2024" and end date "25 May 2024" |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 83.52 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 49.69 | 33.83 | 0.43 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 15.82 | 33.87 | 0.39 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 15.82 | 0.13 | 0.0 | 0.0 | 15.95 | 0.0 | 0.0 | 0.0 | 15.95 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 4.38 | 0.0 | 0.0 | 204.38 | 17.13 | 0.0 | 0.0 | 187.25 | |
| When Loan Pay-off is made on "02 February 2024" |
| And Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4599 |
| Scenario: Verify full term tranche interest bearing progressive loan - interest pause handling UC3: backdated interest pause after second disbursement |
| 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_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_FULL_TERM_TRANCHE | 01 January 2024 | 200 | 9.4822 | 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 "200" amount and expected disbursement date on "01 January 2024" |
| And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 | |
| 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 | |
| # --- Repayment on Feb 1 + 2nd disbursement on same day --- |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13 EUR transaction amount |
| And Admin successfully disburse the loan on "01 February 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 17.13 | 0.0 | 0.0 | 188.43 | |
| 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 | |
| | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false | |
| | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false | |
| # --- Repayment on March 1 --- |
| When Admin sets the business date to "01 March 2024" |
| And Customer makes "AUTOPAY" repayment on "01 March 2024" with 34.26 EUR transaction amount |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | 01 March 2024 | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 34.26 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 51.39 | 0.0 | 0.0 | 154.17 | |
| # --- Backdated interest pause from 05 February 2024 to 15 February 2024 --- |
| When Admin sets the business date to "15 March 2024" |
| And Create an interest pause period with start date "05 February 2024" and end date "15 February 2024" |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | 01 March 2024 | 150.3 | 33.36 | 0.9 | 0.0 | 0.0 | 34.26 | 34.26 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | | 117.23 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 83.9 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 50.3 | 33.6 | 0.66 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 16.44 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 16.44 | 0.13 | 0.0 | 0.0 | 16.57 | 0.0 | 0.0 | 0.0 | 16.57 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 5.0 | 0.0 | 0.0 | 205.0 | 51.39 | 0.0 | 0.0 | 153.61 | |
| 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 | |
| | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false | |
| | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false | |
| | 01 March 2024 | Repayment | 34.26 | 33.36 | 0.9 | 0.0 | 0.0 | 150.3 | false | true | |
| When Loan Pay-off is made on "15 March 2024" |
| And Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4600 |
| Scenario: Verify full term tranche interest bearing progressive loan - interest pause handling UC4: interest pause with partial repayments |
| 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_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_FULL_TERM_TRANCHE | 01 January 2024 | 200 | 9.4822 | 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 "200" amount and expected disbursement date on "01 January 2024" |
| And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 | |
| 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 | |
| # --- Repayment on Feb 1 + 2nd disbursement on same day --- |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13 EUR transaction amount |
| And Admin successfully disburse the loan on "01 February 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 17.13 | 0.0 | 0.0 | 188.43 | |
| 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 | |
| | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false | |
| | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false | |
| # --- Interest pause --- |
| And Create an interest pause period with start date "15 February 2024" and end date "15 April 2024" |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | | 150.05 | 33.61 | 0.65 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 3 | 31 | 01 April 2024 | | 115.79 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 82.02 | 33.77 | 0.49 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 48.41 | 33.61 | 0.65 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 14.53 | 33.88 | 0.38 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 14.53 | 0.11 | 0.0 | 0.0 | 14.64 | 0.0 | 0.0 | 0.0 | 14.64 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 3.07 | 0.0 | 0.0 | 203.07 | 17.13 | 0.0 | 0.0 | 185.94 | |
| # --- Partial repayment during pause period on 01 March 2024 --- |
| When Admin sets the business date to "01 March 2024" |
| And Customer makes "AUTOPAY" repayment on "01 March 2024" with 20.0 EUR transaction amount |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | | 150.05 | 33.61 | 0.65 | 0.0 | 0.0 | 34.26 | 20.0 | 0.0 | 0.0 | 14.26 | |
| | 3 | 31 | 01 April 2024 | | 115.79 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 82.02 | 33.77 | 0.49 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 48.41 | 33.61 | 0.65 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 14.53 | 33.88 | 0.38 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 14.53 | 0.11 | 0.0 | 0.0 | 14.64 | 0.0 | 0.0 | 0.0 | 14.64 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 3.07 | 0.0 | 0.0 | 203.07 | 37.13 | 0.0 | 0.0 | 165.94 | |
| # --- Another partial repayment during pause period on 05 April 2024 --- |
| When Admin sets the business date to "05 April 2024" |
| And Customer makes "AUTOPAY" repayment on "05 April 2024" with 25.0 EUR transaction amount |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | 05 April 2024 | 150.05 | 33.61 | 0.65 | 0.0 | 0.0 | 34.26 | 34.26 | 0.0 | 14.26 | 0.0 | |
| | 3 | 31 | 01 April 2024 | | 115.79 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | 10.74 | 0.0 | 10.74 | 23.52 | |
| | 4 | 30 | 01 May 2024 | | 82.02 | 33.77 | 0.49 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 48.41 | 33.61 | 0.65 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 14.53 | 33.88 | 0.38 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 14.53 | 0.11 | 0.0 | 0.0 | 14.64 | 0.0 | 0.0 | 0.0 | 14.64 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 3.07 | 0.0 | 0.0 | 203.07 | 62.13 | 0.0 | 25.0 | 140.94 | |
| When Loan Pay-off is made on "05 April 2024" |
| And Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4644 |
| Scenario: Verify full term tranche interest bearing progressive loan with no new terms - Disbursement at first instalment mid-period - UC1 |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_FULL_TERM_TRANCHE | 01 January 2024 | 200 | 9.4822 | 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 "200" amount and expected disbursement date on "01 January 2024" |
| When Admin disburses 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| Then LoanDisbursalTransactionBusinessEvent has changedTerms "false" |
| # --- 2nd disbursement mid-period (Jan 15) --- |
| When Admin sets the business date to "15 January 2024" |
| When Admin disburses the loan on "15 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 | | | | |
| | | | 15 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 167.02 | 32.98 | 1.22 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 | |
| | 2 | 29 | 01 March 2024 | | 134.14 | 32.88 | 1.32 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 | |
| | 3 | 31 | 01 April 2024 | | 101.0 | 33.14 | 1.06 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 | |
| | 4 | 30 | 01 May 2024 | | 67.6 | 33.4 | 0.8 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 | |
| | 5 | 31 | 01 June 2024 | | 33.93 | 33.67 | 0.53 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 33.93 | 0.27 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 5.2 | 0.0 | 0.0 | 205.2 | 0.0 | 0.0 | 0.0 | 205.2 | |
| 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 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false | |
| Then LoanDisbursalTransactionBusinessEvent has changedTerms "false" |
| When Loan Pay-off is made on "15 January 2024" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4676 |
| Scenario: Verify that changedTerms is true in LoanDisbursalTransactionBusinessEvent when additional disbursement adds new terms - UC2 |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_FULL_TERM_TRANCHE | 01 January 2024 | 200 | 9.4822 | 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 "200" amount and expected disbursement date on "01 January 2024" |
| When Admin disburses 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 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| Then LoanDisbursalTransactionBusinessEvent has changedTerms "false" |
| When Admin sets the business date to "01 February 2024" |
| When Admin disburses the loan on "01 February 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 0.0 | 0.0 | 0.0 | 205.56 | |
| 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 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false | |
| Then LoanDisbursalTransactionBusinessEvent has changedTerms "true" |
| When Loan Pay-off is made on "01 February 2024" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
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