| @LoanDownPaymentFeature |
| Feature: Loan DownPayment - Part2 |
| |
| @TestRailId:C3063 @AdvancedPaymentAllocation |
| Scenario: Verify enhanced auto downpayment for overpaid loans - UC3: overpaid amount < second disbursement amount BUT overpaid amount > related downpayment amount |
| When Admin sets the business date to "01 February 2024" |
| When Admin creates a client with random data |
| When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "500" EUR transaction amount |
| When Admin sets the business date to "16 February 2024" |
| And Customer makes "AUTOPAY" repayment on "16 February 2024" with 575 EUR transaction amount |
| Then Loan status will be "OVERPAID" |
| Then Loan has 200 overpaid amount |
| When Admin sets the business date to "20 February 2024" |
| When Admin successfully disburse the loan on "20 February 2024" with "400" EUR transaction amount |
| Then Loan status will be "ACTIVE" |
| Then Loan has 200 outstanding amount |
| Then Loan Repayment schedule has 5 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 February 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | 01 February 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 15 | 16 February 2024 | 16 February 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | |
| | | | 20 February 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 3 | 0 | 20 February 2024 | 20 February 2024 | 550.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | |
| | 4 | 15 | 02 March 2024 | | 275.0 | 275.0 | 0.0 | 0.0 | 0.0 | 275.0 | 225.0 | 225.0 | 0.0 | 50.0 | |
| | 5 | 15 | 17 March 2024 | | 0.0 | 275.0 | 0.0 | 0.0 | 0.0 | 275.0 | 125.0 | 125.0 | 0.0 | 150.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 900.0 | 0.0 | 0.0 | 0.0 | 900.0 | 700.0 | 350.0 | 0.0 | 200.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 February 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | |
| | 01 February 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | |
| | 16 February 2024 | Repayment | 575.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 20 February 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | |
| # --- close the loan --- # |
| When Loan Pay-off is made on "20 February 2024" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3064 @AdvancedPaymentAllocation |
| Scenario: Verify enhanced auto downpayment for overpaid loans - UC4: overpaid amount < second disbursement amount AND overpaid amount < related downpayment amount |
| When Admin sets the business date to "01 February 2024" |
| When Admin creates a client with random data |
| When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "500" EUR transaction amount |
| When Admin sets the business date to "16 February 2024" |
| And Customer makes "AUTOPAY" repayment on "16 February 2024" with 475 EUR transaction amount |
| Then Loan status will be "OVERPAID" |
| Then Loan has 100 overpaid amount |
| When Admin sets the business date to "20 February 2024" |
| When Admin successfully disburse the loan on "20 February 2024" with "600" EUR transaction amount |
| Then Loan status will be "ACTIVE" |
| Then Loan has 450 outstanding amount |
| Then Loan Repayment schedule has 5 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 February 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | 01 February 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 15 | 16 February 2024 | 16 February 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | |
| | | | 20 February 2024 | | 600.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 3 | 0 | 20 February 2024 | 20 February 2024 | 700.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | |
| | 4 | 15 | 02 March 2024 | | 350.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | 125.0 | 125.0 | 0.0 | 225.0 | |
| | 5 | 15 | 17 March 2024 | | 0.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | 125.0 | 125.0 | 0.0 | 225.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1100.0 | 0.0 | 0.0 | 0.0 | 1100.0 | 650.0 | 250.0 | 0.0 | 450.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 February 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | |
| | 01 February 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | |
| | 16 February 2024 | Repayment | 475.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 20 February 2024 | Disbursement | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | |
| | 20 February 2024 | Down Payment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 450.0 | |
| # --- close the loan --- # |
| When Loan Pay-off is made on "20 February 2024" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3065 @AdvancedPaymentAllocation |
| Scenario: Verify enhanced auto downpayment for overpaid loans - UC5: repayment reverted |
| When Admin sets the business date to "01 February 2024" |
| When Admin creates a client with random data |
| When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "500" EUR transaction amount |
| When Admin sets the business date to "10 February 2024" |
| And Customer makes "AUTOPAY" repayment on "10 February 2024" with 100 EUR transaction amount |
| Then Loan has 275 outstanding amount |
| When Admin sets the business date to "16 February 2024" |
| And Customer makes "AUTOPAY" repayment on "16 February 2024" with 375 EUR transaction amount |
| Then Loan status will be "OVERPAID" |
| Then Loan has 100 overpaid amount |
| When Admin sets the business date to "20 February 2024" |
| When Admin successfully disburse the loan on "20 February 2024" with "600" EUR transaction amount |
| Then Loan status will be "ACTIVE" |
| Then Loan has 450 outstanding amount |
| When Customer undo "1"th "Repayment" transaction made on "16 February 2024" |
| Then Loan Repayment schedule has 5 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 February 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | 01 February 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 15 | 16 February 2024 | 20 February 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 100.0 | 25.0 | 0.0 | |
| | | | 20 February 2024 | | 600.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 3 | 0 | 20 February 2024 | | 700.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 25.0 | 0.0 | 0.0 | 125.0 | |
| | 4 | 15 | 02 March 2024 | | 350.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | |
| | 5 | 15 | 17 March 2024 | | 0.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1100.0 | 0.0 | 0.0 | 0.0 | 1100.0 | 275.0 | 100.0 | 25.0 | 825.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | |
| | 01 February 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | |
| | 01 February 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 | false | |
| | 10 February 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 275.0 | false | |
| | 16 February 2024 | Repayment | 375.0 | 275.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | |
| | 20 February 2024 | Disbursement | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 875.0 | false | |
| | 20 February 2024 | Down Payment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 825.0 | false | |
| # --- close the loan --- # |
| When Loan Pay-off is made on "20 February 2024" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3105 @AdvancedPaymentAllocation |
| Scenario: Verify multi disbursement on same day with Advanced payment allocation works properly |
| When Admin sets the business date to "01 February 2024" |
| When Admin creates a client with random data |
| When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 February 2024" with "1000" amount and expected disbursement date on "01 February 2024" |
| When Admin successfully disburse the loan on "01 February 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 15 | 16 February 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | |
| | 3 | 15 | 02 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | |
| | 4 | 15 | 17 March 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 25.0 | 0.0 | 0.0 | 75.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | |
| | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | |
| | 01 February 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | |
| When Admin sets the business date to "02 February 2024" |
| When Admin successfully disburse the loan on "02 February 2024" with "1000" EUR transaction amount |
| Then Loan Repayment schedule has 5 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | |
| | | | 02 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 0 | 02 February 2024 | 02 February 2024 | 825.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | |
| | 3 | 15 | 16 February 2024 | | 550.0 | 275.0 | 0.0 | 0.0 | 0.0 | 275.0 | 0.0 | 0.0 | 0.0 | 275.0 | |
| | 4 | 15 | 02 March 2024 | | 275.0 | 275.0 | 0.0 | 0.0 | 0.0 | 275.0 | 0.0 | 0.0 | 0.0 | 275.0 | |
| | 5 | 15 | 17 March 2024 | | 0.0 | 275.0 | 0.0 | 0.0 | 0.0 | 275.0 | 0.0 | 0.0 | 0.0 | 275.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1100.0 | 0.0 | 0.0 | 0.0 | 1100.0 | 275.0 | 0.0 | 0.0 | 825.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | |
| | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | |
| | 01 February 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | |
| | 02 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1075.0 | false | |
| | 02 February 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 825.0 | false | |
| When Admin successfully disburse the loan on "02 February 2024" with "112" 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 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 February 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | |
| | | | 02 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | | | 02 February 2024 | | 112.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 2 | 0 | 02 February 2024 | 02 February 2024 | 937.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | |
| | 3 | 0 | 02 February 2024 | 02 February 2024 | 909.0 | 28.0 | 0.0 | 0.0 | 0.0 | 28.0 | 28.0 | 0.0 | 0.0 | 0.0 | |
| | 4 | 15 | 16 February 2024 | | 606.0 | 303.0 | 0.0 | 0.0 | 0.0 | 303.0 | 0.0 | 0.0 | 0.0 | 303.0 | |
| | 5 | 15 | 02 March 2024 | | 303.0 | 303.0 | 0.0 | 0.0 | 0.0 | 303.0 | 0.0 | 0.0 | 0.0 | 303.0 | |
| | 6 | 15 | 17 March 2024 | | 0.0 | 303.0 | 0.0 | 0.0 | 0.0 | 303.0 | 0.0 | 0.0 | 0.0 | 303.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1212.0 | 0.0 | 0.0 | 0.0 | 1212.0 | 303.0 | 0.0 | 0.0 | 909.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | |
| | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | |
| | 01 February 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | |
| | 02 February 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1075.0 | false | |
| | 02 February 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 825.0 | false | |
| | 02 February 2024 | Disbursement | 112.0 | 0.0 | 0.0 | 0.0 | 0.0 | 937.0 | false | |
| | 02 February 2024 | Down Payment | 28.0 | 28.0 | 0.0 | 0.0 | 0.0 | 909.0 | false | |
| # --- close the loan --- # |
| When Loan Pay-off is made on "02 February 2024" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3162 |
| Scenario: Verify that downpayment can be enabled during loan creation if the product has downpayment enabled |
| When Admin sets the business date to "01 January 2022" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with forced disabled downpayment with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_DOWNPAYMENT | 01 January 2022 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE | |
| And Admin successfully approves the loan on "01 January 2022" with "1000" amount and expected disbursement date on "01 January 2023" |
| When Admin successfully disburse the loan on "01 January 2022" with "1000" EUR transaction amount |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2022 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2022 | | 667.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 | |
| | 2 | 28 | 01 March 2022 | | 334.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 | 0.0 | 0.0 | 0.0 | 333.0 | |
| | 3 | 31 | 01 April 2022 | | 0.0 | 334.0 | 0.0 | 0.0 | 0.0 | 334.0 | 0.0 | 0.0 | 0.0 | 334.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 0 | 0 | 0 | 1000.0 | 0.0 | 0 | 0 | 1000 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | |
| | 01 January 2022 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | |
| # --- close the loan --- # |
| When Loan Pay-off is made on "1 January 2022" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3163 |
| Scenario: Verify that downpayment cannot be enabled during loan creation if the product has downpayment disabled |
| When Admin sets the business date to "01 January 2022" |
| When Admin creates a client with random data |
| Then Admin fails to create a fully customized loan with forced enabled downpayment 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 | 01 January 2022 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| |
| @TestRailId:C3180 |
| Scenario: Verify that auto repayment and downpayment percentage value can be set during loan creation in case of downpayment is enabled on Loan product level - UC1 |
| When Admin sets the business date to "01 July 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with auto downpayment 15% and with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_DOWNPAYMENT | 01 July 2024 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE | |
| And Admin successfully approves the loan on "01 July 2024" with "1000" amount and expected disbursement date on "01 July 2024" |
| When Admin successfully disburse the loan on "01 July 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 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 July 2024 | 01 July 2024 | 850.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 31 | 01 August 2024 | | 567.0 | 283.0 | 0.0 | 0.0 | 0.0 | 283.0 | 0.0 | 0.0 | 0.0 | 283.0 | |
| | 3 | 31 | 01 September 2024 | | 284.0 | 283.0 | 0.0 | 0.0 | 0.0 | 283.0 | 0.0 | 0.0 | 0.0 | 283.0 | |
| | 4 | 30 | 01 October 2024 | | 0.0 | 284.0 | 0.0 | 0.0 | 0.0 | 284.0 | 0.0 | 0.0 | 0.0 | 284.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 0 | 0 | 0 | 1000.0 | 150.0 | 0 | 0 | 850 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | |
| | 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | |
| | 01 July 2024 | Down Payment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 850.0 | false | |
| # --- close the loan --- # |
| When Loan Pay-off is made on "01 July 2024" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3181 |
| Scenario: Verify that auto repayment and downpayment percentage value can be set during loan creation in case of downpayment is enabled on Loan product level - UC2 |
| When Admin sets the business date to "01 July 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with downpayment 15%, NO auto downpayment, and with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_DOWNPAYMENT | 01 July 2024 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE | |
| And Admin successfully approves the loan on "01 July 2024" with "1000" amount and expected disbursement date on "01 July 2024" |
| When Admin successfully disburse the loan on "01 July 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 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 01 July 2024 | | 850.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | 0.0 | 0.0 | 0.0 | 150.0 | |
| | 2 | 31 | 01 August 2024 | | 567.0 | 283.0 | 0.0 | 0.0 | 0.0 | 283.0 | 0.0 | 0.0 | 0.0 | 283.0 | |
| | 3 | 31 | 01 September 2024 | | 284.0 | 283.0 | 0.0 | 0.0 | 0.0 | 283.0 | 0.0 | 0.0 | 0.0 | 283.0 | |
| | 4 | 30 | 01 October 2024 | | 0.0 | 284.0 | 0.0 | 0.0 | 0.0 | 284.0 | 0.0 | 0.0 | 0.0 | 284.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 0 | 0 | 0 | 1000.0 | 0.0 | 0 | 0 | 1000 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | |
| | 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | |
| # --- close the loan --- # |
| When Loan Pay-off is made on "01 July 2024" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4674 @AdvancedPaymentAllocation |
| Scenario: Verify pay-off loan after 2nd disbursement with downpayment on interest bearing loan |
| 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_RECALCULATION_DAILY_EMI_360_30_MULTIDISBURSE_AUTO_DOWNPAYMENT | 01 January 2024 | 150 | 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 "150" 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 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 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 31 | 01 February 2024 | | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 5 | 30 | 01 May 2024 | | 25.28 | 12.54 | 0.22 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 6 | 31 | 01 June 2024 | | 12.67 | 12.61 | 0.15 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 | |
| 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 | 25.0 | 0.0 | 0.0 | 76.54 | |
| 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 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false | |
| # --- First installment paid --- # |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 12.76 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 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 31 | 01 February 2024 | 01 February 2024 | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76 | 0.0 | 0.0 | 0.0 | |
| | 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 5 | 30 | 01 May 2024 | | 25.28 | 12.54 | 0.22 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 6 | 31 | 01 June 2024 | | 12.67 | 12.61 | 0.15 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 | |
| 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 | 37.76 | 0.0 | 0.0 | 63.78 | |
| 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 | |
| | 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false | |
| | 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false | |
| # --- 2nd disbursement --- # |
| When Admin sets the business date to "01 April 2024" |
| When Admin successfully disburse the loan on "01 April 2024" with "50" EUR transaction amount |
| Then Loan Repayment schedule has 8 periods, with the 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 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 31 | 01 February 2024 | 01 February 2024 | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76 | 0.0 | 0.0 | 0.0 | |
| | 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 12.5 | 0.0 | 12.5 | 0.26 | |
| | 4 | 31 | 01 April 2024 | | 37.9 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 5 | 0 | 01 April 2024 | | 75.4 | 12.5 | 0.0 | 0.0 | 0.0 | 12.5 | 0.0 | 0.0 | 0.0 | 12.5 | |
| | 6 | 30 | 01 May 2024 | | 50.44 | 24.96 | 0.44 | 0.0 | 0.0 | 25.4 | 0.0 | 0.0 | 0.0 | 25.4 | |
| | 7 | 31 | 01 June 2024 | | 25.33 | 25.11 | 0.29 | 0.0 | 0.0 | 25.4 | 0.0 | 0.0 | 0.0 | 25.4 | |
| | 8 | 30 | 01 July 2024 | | 0.0 | 25.33 | 0.15 | 0.0 | 0.0 | 25.48 | 0.0 | 0.0 | 0.0 | 25.48 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 150.0 | 2.06 | 0.0 | 0.0 | 152.06 | 50.26 | 0.0 | 12.5 | 101.8 | |
| 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 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false | |
| | 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false | |
| | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 112.68 | false | false | |
| | 01 April 2024 | Down Payment | 12.5 | 12.39 | 0.11 | 0.0 | 0.0 | 100.29 | false | false | |
| When Loan Pay-off is made on "01 April 2024" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4675 @AdvancedPaymentAllocation |
| Scenario: Verify pay-off loan after 3rd disbursement with downpayment on interest bearing loan |
| 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_RECALCULATION_DAILY_EMI_360_30_MULTIDISBURSE_AUTO_DOWNPAYMENT | 01 January 2024 | 200 | 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 "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 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 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 31 | 01 February 2024 | | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 5 | 30 | 01 May 2024 | | 25.28 | 12.54 | 0.22 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 6 | 31 | 01 June 2024 | | 12.67 | 12.61 | 0.15 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 | |
| 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 | 25.0 | 0.0 | 0.0 | 76.54 | |
| 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 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false | |
| # --- First installment paid --- # |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 12.76 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 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 31 | 01 February 2024 | 01 February 2024 | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76 | 0.0 | 0.0 | 0.0 | |
| | 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 4 | 31 | 01 April 2024 | | 37.82 | 12.47 | 0.29 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 5 | 30 | 01 May 2024 | | 25.28 | 12.54 | 0.22 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 6 | 31 | 01 June 2024 | | 12.67 | 12.61 | 0.15 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | 7 | 30 | 01 July 2024 | | 0.0 | 12.67 | 0.07 | 0.0 | 0.0 | 12.74 | 0.0 | 0.0 | 0.0 | 12.74 | |
| 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 | 37.76 | 0.0 | 0.0 | 63.78 | |
| 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 | |
| | 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false | |
| | 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false | |
| # --- 2nd disbursement --- # |
| When Admin sets the business date to "01 April 2024" |
| When Admin successfully disburse the loan on "01 April 2024" with "50" EUR transaction amount |
| Then Loan Repayment schedule has 8 periods, with the 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 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 31 | 01 February 2024 | 01 February 2024 | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76 | 0.0 | 0.0 | 0.0 | |
| | 3 | 29 | 01 March 2024 | | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 12.5 | 0.0 | 12.5 | 0.26 | |
| | 4 | 31 | 01 April 2024 | | 37.9 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 0.0 | 0.0 | 0.0 | 12.76 | |
| | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 5 | 0 | 01 April 2024 | | 75.4 | 12.5 | 0.0 | 0.0 | 0.0 | 12.5 | 0.0 | 0.0 | 0.0 | 12.5 | |
| | 6 | 30 | 01 May 2024 | | 50.44 | 24.96 | 0.44 | 0.0 | 0.0 | 25.4 | 0.0 | 0.0 | 0.0 | 25.4 | |
| | 7 | 31 | 01 June 2024 | | 25.33 | 25.11 | 0.29 | 0.0 | 0.0 | 25.4 | 0.0 | 0.0 | 0.0 | 25.4 | |
| | 8 | 30 | 01 July 2024 | | 0.0 | 25.33 | 0.15 | 0.0 | 0.0 | 25.48 | 0.0 | 0.0 | 0.0 | 25.48 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 150.0 | 2.06 | 0.0 | 0.0 | 152.06 | 50.26 | 0.0 | 12.5 | 101.8 | |
| 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 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false | |
| | 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false | |
| | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 112.68 | false | false | |
| | 01 April 2024 | Down Payment | 12.5 | 12.39 | 0.11 | 0.0 | 0.0 | 100.29 | false | false | |
| # --- 3rd disbursement --- # |
| When Admin sets the business date to "01 May 2024" |
| When Admin successfully disburse the loan on "01 May 2024" with "50" EUR transaction amount |
| Then Loan Repayment schedule has 9 periods, with the 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 | 0 | 01 January 2024 | 01 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 31 | 01 February 2024 | 01 February 2024 | 62.68 | 12.32 | 0.44 | 0.0 | 0.0 | 12.76 | 12.76 | 0.0 | 0.0 | 0.0 | |
| | 3 | 29 | 01 March 2024 | 01 May 2024 | 50.29 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 12.76 | 0.0 | 12.76 | 0.0 | |
| | 4 | 31 | 01 April 2024 | | 37.9 | 12.39 | 0.37 | 0.0 | 0.0 | 12.76 | 12.24 | 0.0 | 12.24 | 0.52 | |
| | | | 01 April 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 5 | 0 | 01 April 2024 | | 75.4 | 12.5 | 0.0 | 0.0 | 0.0 | 12.5 | 0.0 | 0.0 | 0.0 | 12.5 | |
| | 6 | 30 | 01 May 2024 | | 50.51 | 24.89 | 0.51 | 0.0 | 0.0 | 25.4 | 0.0 | 0.0 | 0.0 | 25.4 | |
| | | | 01 May 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 7 | 0 | 01 May 2024 | | 88.01 | 12.5 | 0.0 | 0.0 | 0.0 | 12.5 | 0.0 | 0.0 | 0.0 | 12.5 | |
| | 8 | 31 | 01 June 2024 | | 44.21 | 43.8 | 0.51 | 0.0 | 0.0 | 44.31 | 0.0 | 0.0 | 0.0 | 44.31 | |
| | 9 | 30 | 01 July 2024 | | 0.0 | 44.21 | 0.26 | 0.0 | 0.0 | 44.47 | 0.0 | 0.0 | 0.0 | 44.47 | |
| And Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 2.46 | 0.0 | 0.0 | 202.46 | 62.76 | 0.0 | 25.0 | 139.7 | |
| 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 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 January 2024 | Down Payment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false | |
| | 01 February 2024 | Repayment | 12.76 | 12.32 | 0.44 | 0.0 | 0.0 | 62.68 | false | false | |
| | 01 April 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 112.68 | false | false | |
| | 01 April 2024 | Down Payment | 12.5 | 12.39 | 0.11 | 0.0 | 0.0 | 100.29 | false | false | |
| | 01 May 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 150.29 | false | false | |
| | 01 May 2024 | Down Payment | 12.5 | 12.24 | 0.26 | 0.0 | 0.0 | 138.05 | false | false | |
| When Loan Pay-off is made on "01 May 2024" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
