Google Git
Sign in
apache/fineract/develop/./fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment-Part3.feature
blob: 0c389ce051c81f4a5d4dd24aca334c5a770a42e5 [file]
@Repayment
Feature: LoanRepayment - Part3
@TestRailId:C2908 @AdvancedPaymentAllocation
Scenario: Verify that in case of pre-payed installments for total amount (loan balance is 0) LoanRepaymentDueBusinessEvent is not sent - LP2 advanced payment allocation product
When Admin sets the business date to "01 October 2023"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 October 2023 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 October 2023" with "1000" amount and expected disbursement date on "01 October 2023"
When Admin successfully disburse the loan on "01 October 2023" with "1000" EUR transaction amount
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "01 October 2023" with 750 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 October 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 October 2023 | 01 October 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 October 2023 | 01 October 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
| 3 | 15 | 31 October 2023 | 01 October 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
| 4 | 15 | 15 November 2023 | 01 October 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0 | 0 | 0 | 1000.0 | 1000.0 | 750 | 0 | 0 |
When Admin sets the business date to "16 October 2023"
When Admin runs inline COB job for Loan
Then No new event with type "LoanRepaymentDueEvent" has been raised for the loan
Then No new event with type "LoanRepaymentOverdueEvent" has been raised for the loan
When Admin sets the business date to "31 October 2023"
When Admin runs inline COB job for Loan
Then No new event with type "LoanRepaymentDueEvent" has been raised for the loan
Then No new event with type "LoanRepaymentOverdueEvent" has been raised for the loan
When Admin sets the business date to "15 November 2023"
When Admin runs inline COB job for Loan
Then No new event with type "LoanRepaymentDueEvent" has been raised for the loan
Then No new event with type "LoanRepaymentOverdueEvent" has been raised for the loan
@TestRailId:C2961
Scenario: Verify that outstanding amounts are rounded correctly in case of: installmentAmountInMultiplesOf=1, interestType: FLAT, amortizationType: EQUAL_INSTALLMENTS
When Admin sets the business date to "01 September 2023"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP1_INTEREST_FLAT | 01 September 2023 | 1250 | 15 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | DUE_PENALTY_FEE_INTEREST_PRINCIPAL_IN_ADVANCE_PRINCIPAL_PENALTY_FEE_INTEREST |
And Admin successfully approves the loan on "01 September 2023" with "1250" amount and expected disbursement date on "01 September 2023"
When Admin successfully disburse the loan on "01 September 2023" with "1250" EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 September 2023 | | 1250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 October 2023 | | 937.62 | 312.38 | 15.62 | 0.0 | 0.0 | 328.0 | 0.0 | 0.0 | 0.0 | 328.0 |
| 2 | 31 | 01 November 2023 | | 625.24 | 312.38 | 15.62 | 0.0 | 0.0 | 328.0 | 0.0 | 0.0 | 0.0 | 328.0 |
| 3 | 30 | 01 December 2023 | | 312.86 | 312.38 | 15.62 | 0.0 | 0.0 | 328.0 | 0.0 | 0.0 | 0.0 | 328.0 |
| 4 | 31 | 01 January 2024 | | 0.0 | 312.86 | 15.64 | 0.0 | 0.0 | 328.5 | 0.0 | 0.0 | 0.0 | 328.5 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250.0 | 62.50 | 0.0 | 0.0 | 1312.50 | 0.0 | 0.0 | 0.0 | 1312.50 |
@TestRailId:C2962
Scenario: Verify that outstanding amounts are rounded correctly in case of: installmentAmountInMultiplesOf=1, interestType: DECLINING_BALANCE, amortizationType: EQUAL_INSTALLMENTS
When Admin sets the business date to "01 September 2023"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP1_INTEREST_DECLINING_BALANCE_PERIOD_SAME_AS_PAYMENT | 01 September 2023 | 1250 | 15 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | DUE_PENALTY_FEE_INTEREST_PRINCIPAL_IN_ADVANCE_PRINCIPAL_PENALTY_FEE_INTEREST |
And Admin successfully approves the loan on "01 September 2023" with "1250" amount and expected disbursement date on "01 September 2023"
When Admin successfully disburse the loan on "01 September 2023" with "1250" EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 September 2023 | | 1250.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 01 October 2023 | | 943.62 | 306.38 | 15.62 | 0.0 | 0.0 | 322.0 | 0.0 | 0.0 | 0.0 | 322.0 |
| 2 | 31 | 01 November 2023 | | 633.42 | 310.2 | 11.8 | 0.0 | 0.0 | 322.0 | 0.0 | 0.0 | 0.0 | 322.0 |
| 3 | 30 | 01 December 2023 | | 319.34 | 314.08 | 7.92 | 0.0 | 0.0 | 322.0 | 0.0 | 0.0 | 0.0 | 322.0 |
| 4 | 31 | 01 January 2024 | | 0.0 | 319.34 | 3.99 | 0.0 | 0.0 | 323.33 | 0.0 | 0.0 | 0.0 | 323.33 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1250.0 | 39.33 | 0.0 | 0.0 | 1289.33 | 0.0 | 0.0 | 0.0 | 1289.33 |
@TestRailId:C3106
Scenario: Verify that there is not auto downpayment if disburseWithoutAutoDownPayment command is used
When Admin sets the business date to "02 April 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_DOWNPAYMENT_AUTO | 02 April 2023 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | DUE_PENALTY_INTEREST_PRINCIPAL_FEE_IN_ADVANCE_PENALTY_INTEREST_PRINCIPAL_FEE |
And Admin successfully approves the loan on "02 April 2024" with "1000" amount and expected disbursement date on "02 April 2024"
And Admin successfully disburse the loan without auto downpayment on "02 April 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 |
| | | 02 April 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 02 April 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 17 April 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 02 May 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 17 May 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0 | 0 | 0 | 1000.0 | 0.0 | 0 | 0 | 1000 |
@TestRailId:C3129 @AdvancedPaymentAllocation
Scenario: Verify installment due date logic for monthly installments - last day of the month
When Admin sets the business date to "31 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 31 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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 |
| | | 31 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 0 | 31 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 29 | 29 February 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 3 | 31 | 31 March 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 4 | 30 | 30 April 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 5 | 31 | 31 May 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
And Admin successfully approves the loan on "31 January 2024" with "1000" amount and expected disbursement date on "31 January 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 |
| | | 31 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 0 | 31 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 29 | 29 February 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 3 | 31 | 31 March 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 4 | 30 | 30 April 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 5 | 31 | 31 May 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin successfully disburse the loan on "31 January 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 |
| | | 31 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 31 January 2024 | 31 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 29 February 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 3 | 31 | 31 March 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 4 | 30 | 30 April 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 5 | 31 | 31 May 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
@TestRailId:C3130 @AdvancedPaymentAllocation
Scenario: Verify installment due date logic for monthly installments - last day of the month, expected and real disbursement dates are different
When Admin sets the business date to "30 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 30 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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 |
| | | 30 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 0 | 30 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 30 | 29 February 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 3 | 30 | 30 March 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 4 | 31 | 30 April 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 5 | 30 | 30 May 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
And Admin successfully approves the loan on "30 January 2024" with "1000" amount and expected disbursement date on "30 January 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 |
| | | 30 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 0 | 30 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 30 | 29 February 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 3 | 30 | 30 March 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 4 | 31 | 30 April 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 5 | 30 | 30 May 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "31 January 2024"
When Admin successfully disburse the loan on "31 January 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 |
| | | 31 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 31 January 2024 | 31 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 29 February 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 3 | 31 | 31 March 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 4 | 30 | 30 April 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 5 | 31 | 31 May 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
@TestRailId:C3131 @AdvancedPaymentAllocation
Scenario: Verify installment due date logic for monthly installments - last day of the month, repayment start calculated from Submitted on date - submit, approve, disburse on same date
When Admin sets the business date to "31 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION_REPAYMENT_START_SUBMITTED | 31 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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 |
| | | 31 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 0 | 31 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 29 | 29 February 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 3 | 31 | 31 March 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 4 | 30 | 30 April 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 5 | 31 | 31 May 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
And Admin successfully approves the loan on "31 January 2024" with "1000" amount and expected disbursement date on "31 January 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 |
| | | 31 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 0 | 31 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 29 | 29 February 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 3 | 31 | 31 March 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 4 | 30 | 30 April 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 5 | 31 | 31 May 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin successfully disburse the loan on "31 January 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 |
| | | 31 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 31 January 2024 | 31 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 29 February 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 3 | 31 | 31 March 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 4 | 30 | 30 April 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 5 | 31 | 31 May 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
@TestRailId:C3132 @AdvancedPaymentAllocation
Scenario: Verify installment due date logic for monthly installments - last day of the month, repayment start calculated from Submitted on date - submit and approve on same date, disburse on next day
When Admin sets the business date to "31 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION_REPAYMENT_START_SUBMITTED | 31 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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 |
| | | 31 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 0 | 31 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 29 | 29 February 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 3 | 31 | 31 March 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 4 | 30 | 30 April 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 5 | 31 | 31 May 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
And Admin successfully approves the loan on "31 January 2024" with "1000" amount and expected disbursement date on "31 January 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 |
| | | 31 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 0 | 31 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 29 | 29 February 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 3 | 31 | 31 March 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 4 | 30 | 30 April 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 5 | 31 | 31 May 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "01 February 2024"
When Admin successfully disburse the loan on "01 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 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 29 February 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 3 | 31 | 31 March 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 4 | 30 | 30 April 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 5 | 31 | 31 May 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
@TestRailId:C3133 @AdvancedPaymentAllocation
Scenario: Verify installment due date logic for monthly installments - last day of the month, repayment start calculated from Submitted on date - submit and approve on same date, expected disbursement date on next day
When Admin sets the business date to "31 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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION_REPAYMENT_START_SUBMITTED | 31 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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 |
| | | 31 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 0 | 31 January 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 29 | 29 February 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 3 | 31 | 31 March 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 4 | 30 | 30 April 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 5 | 31 | 31 May 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
And Admin successfully approves the loan on "31 January 2024" with "1000" amount and expected disbursement date on "01 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 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 0 | 01 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 29 | 29 February 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 3 | 31 | 31 March 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 4 | 30 | 30 April 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 5 | 31 | 31 May 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
When Admin sets the business date to "01 February 2024"
When Admin successfully disburse the loan on "01 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 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 February 2024 | 01 February 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 29 February 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 3 | 31 | 31 March 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 4 | 30 | 30 April 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 |
| 5 | 31 | 31 May 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 |
@TestRailId:C3223 @AdvancedPaymentAllocation @ProgressiveLoanSchedule
Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-horizontal, charge after maturity, in advanced repayment (future installment type: NEXT_INSTALLMENT)
When Global config "charge-accrual-date" value set to "submitted-date"
When Admin sets the business date to "01 September 2023"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 September 2023 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
When Admin successfully disburse the loan on "01 September 2023" with "1000" EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
# Add charge after maturity
When Admin adds "LOAN_NSF_FEE" due date charge with "17 October 2023" due date and 20 EUR transaction amount
Then Loan Repayment schedule has 5 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 2 | 15 | 16 September 2023 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 0.0 | 0.0 | 0.0 | 1020.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
# Make due date repayments
And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
When Admin sets the business date to "02 September 2023"
When Admin runs inline COB job for Loan
When Admin sets the business date to "02 September 2023"
And Customer makes "AUTOPAY" repayment on "02 September 2023" with 250 EUR transaction amount
Then Loan Repayment schedule has 5 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 September 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 September 2023 | 01 September 2023 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
| 2 | 15 | 16 September 2023 | 02 September 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 0.0 | 0.0 |
| 3 | 15 | 01 October 2023 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 4 | 15 | 16 October 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
| 5 | 1 | 17 October 2023 | | 0.0 | 0.0 | 0.0 | 0.0 | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 0.0 | 0.0 | 20.0 | 1020.0 | 500.0 | 250.0 | 0.0 | 520.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 September 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
| 01 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
| 01 September 2023 | Accrual | 20.0 | 0.0 | 0.0 | 0.0 | 20.0 | 0.0 |
| 02 September 2023 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 500.0 |
Then Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 17 October 2023 | Flat | 20.0 | 0.0 | 0.0 | 20.0 |
When Admin sets the business date to "03 September 2023"
When Admin runs inline COB job for Loan
#Make backdated repayment to trigger loan transaction reprocessing
And Customer makes "AUTOPAY" repayment on "01 September 2023" with 250 EUR transaction amount
When Admin sets the business date to "04 September 2023"
#Run COB to check there is no accounting meltdown and accrual is handled properly
When Admin runs inline COB job for Loan
When Global config "charge-accrual-date" value set to "due-date"
@TestRailId:C3224
Scenario: Verify that interest recalculation works properly when triggered by COB
When Admin sets the business date to "01 April 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 |
| LP1_INTEREST_DECLINING_BALANCE_SAR_RECALCULATION_SAME_AS_REPAYMENT_COMPOUNDING_NONE_MULTIDISB | 01 April 2024 | 1000 | 12 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
And Admin successfully approves the loan on "01 April 2024" with "1000" amount and expected disbursement date on "05 April 2024"
When Admin sets the business date to "05 April 2024"
When Admin successfully disburse the loan on "05 April 2024" with "500" 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 |
| | | 05 April 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 15 | 20 April 2024 | | 334.47 | 165.53 | 2.47 | 0.0 | 0.0 | 168.0 | 0.0 | 0.0 | 0.0 | 168.0 |
| 2 | 15 | 05 May 2024 | | 168.12 | 166.35 | 1.65 | 0.0 | 0.0 | 168.0 | 0.0 | 0.0 | 0.0 | 168.0 |
| 3 | 15 | 20 May 2024 | | 0.0 | 168.12 | 0.83 | 0.0 | 0.0 | 168.95 | 0.0 | 0.0 | 0.0 | 168.95 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 05 April 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 4.95 | 0.0 | 0.0 | 504.95 | 0.0 | 0.0 | 0.0 | 504.95 |
When Admin sets the business date to "21 April 2024"
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 05 April 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 15 | 20 April 2024 | | 334.47 | 165.53 | 2.47 | 0.0 | 0.0 | 168.0 | 0.0 | 0.0 | 0.0 | 168.0 |
| 2 | 15 | 05 May 2024 | | 168.12 | 166.35 | 1.65 | 0.0 | 0.0 | 168.0 | 0.0 | 0.0 | 0.0 | 168.0 |
| 3 | 15 | 20 May 2024 | | 0.0 | 168.12 | 0.83 | 0.0 | 0.0 | 168.95 | 0.0 | 0.0 | 0.0 | 168.95 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 05 April 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 4.95 | 0.0 | 0.0 | 504.95 | 0.0 | 0.0 | 0.0 | 504.95 |
When Admin runs inline COB job for Loan
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 |
| | | 05 April 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 15 | 20 April 2024 | | 334.47 | 165.53 | 2.47 | 0.0 | 0.0 | 168.0 | 0.0 | 0.0 | 0.0 | 168.0 |
| 2 | 15 | 05 May 2024 | | 168.94 | 165.53 | 2.47 | 0.0 | 0.0 | 168.0 | 0.0 | 0.0 | 0.0 | 168.0 |
| 3 | 15 | 20 May 2024 | | 0.0 | 168.94 | 0.83 | 0.0 | 0.0 | 169.77 | 0.0 | 0.0 | 0.0 | 169.77 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 5.77 | 0.0 | 0.0 | 505.77 | 0.0 | 0.0 | 0.0 | 505.77 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 05 April 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 20 April 2024 | Accrual | 2.47 | 0.0 | 2.47 | 0.0 | 0.0 | 0.0 |
@TestRailId:C3225
Scenario: Verify that payment allocation is correct in case of fee charged on an OVERPAID Loan and payment is backdated
# --- 7/23 - Loan Created & Approved ---
When Admin sets the business date to "23 July 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 |
| LP1_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 23 July 2024 | 150 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 1 | MONTHS | 1 | MONTHS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
# --- 7/23 - Disbursement for 111.92 EUR ---
And Admin successfully approves the loan on "23 July 2024" with "111.92" amount and expected disbursement date on "23 July 2024"
When Admin successfully disburse the loan on "23 July 2024" with "111.92" EUR transaction amount
# --- 8/8 - Partial merchant issued refund - 76.48 Eur ---
When Admin sets the business date to "08 August 2024"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "08 August 2024" with 76.48 EUR transaction amount and system-generated Idempotency key
# --- 8/13 - Manual Repayment - 35.44 Eur (Account closed) ---
When Admin sets the business date to "13 August 2024"
And Customer makes "MONEY_TRANSFER" repayment on "13 August 2024" with 35.44 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding amount
# --- 8/15 - Repayment reversed (Account reopened) ---
When Admin sets the business date to "15 August 2024"
When Customer undo "1"th "Repayment" transaction made on "13 August 2024"
Then Loan status will be "ACTIVE"
Then Loan has 35.44 outstanding amount
# --- 8/22 - Autopay posted for 35.44 Eur ---
When Admin sets the business date to "22 August 2024"
And Customer makes "AUTOPAY" repayment on "22 August 2024" with 35.44 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding amount
# --- 8/24 - Autopay reversed ---
When Admin sets the business date to "24 August 2024"
When Customer undo "1"th "Repayment" transaction made on "22 August 2024"
Then Loan status will be "ACTIVE"
Then Loan has 35.44 outstanding amount
# --- 8/24 - Loan Charge created for 2.80 Eur ---
When Admin adds "LOAN_NSF_FEE" due date charge with "24 August 2024" due date and 2.80 EUR transaction amount
Then Loan status will be "ACTIVE"
Then Loan has 38.24 outstanding amount
# --- 8/24 (after COB) - Accrual created ---
When Admin sets the business date to "25 August 2024"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 2 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 July 2024 | | 111.92 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 23 August 2024 | | 0.0 | 111.92 | 0.0 | 0.0 | 0.0 | 111.92 | 76.48 | 76.48 | 0.0 | 35.44 |
| 2 | 1 | 24 August 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 2.8 | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 111.92 | 0.0 | 0.0 | 2.8 | 114.72 | 76.48 | 76.48 | 0.0 | 38.24 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 23 July 2024 | Disbursement | 111.92 | 0.0 | 0.0 | 0.0 | 0.0 | 111.92 | false | false |
| 08 August 2024 | Merchant Issued Refund | 76.48 | 76.48 | 0.0 | 0.0 | 0.0 | 35.44 | false | false |
| 13 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
| 22 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
| 24 August 2024 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
# --- 8/28 - Backdated Autopay posted for 38.24 Eur (35.44 principal + 2.80 penalty) with transactionDate 8/22 ---
When Admin sets the business date to "28 August 2024"
And Customer makes "AUTOPAY" repayment on "22 August 2024" with 38.24 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding amount
Then Loan Repayment schedule has 2 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 July 2024 | | 111.92 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 23 August 2024 | 22 August 2024 | 0.0 | 111.92 | 0.0 | 0.0 | 0.0 | 111.92 | 111.92 | 111.92 | 0.0 | 0.0 |
| 2 | 1 | 24 August 2024 | 22 August 2024 | 0.0 | 0.0 | 0.0 | 0.0 | 2.8 | 2.8 | 2.8 | 2.8 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 111.92 | 0.0 | 0.0 | 2.8 | 114.72 | 114.72 | 114.72 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 23 July 2024 | Disbursement | 111.92 | 0.0 | 0.0 | 0.0 | 0.0 | 111.92 | false | false |
| 08 August 2024 | Merchant Issued Refund | 76.48 | 76.48 | 0.0 | 0.0 | 0.0 | 35.44 | false | false |
| 13 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
| 22 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
| 22 August 2024 | Repayment | 38.24 | 35.44 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
| 24 August 2024 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
When Customer makes "AUTOPAY" repayment on "23 August 2024" with 10 EUR transaction amount
Then Loan status will be "OVERPAID"
Then Loan has 0 outstanding amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 23 July 2024 | Disbursement | 111.92 | 0.0 | 0.0 | 0.0 | 0.0 | 111.92 | false |
| 08 August 2024 | Merchant Issued Refund | 76.48 | 76.48 | 0.0 | 0.0 | 0.0 | 35.44 | false |
| 13 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 22 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 22 August 2024 | Repayment | 38.24 | 35.44 | 0.0 | 0.0 | 2.8 | 0.0 | false |
| 23 August 2024 | Repayment | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 24 August 2024 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false |
Then Loan Repayment schedule has 2 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 July 2024 | | 111.92 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 23 August 2024 | 22 August 2024 | 0.0 | 111.92 | 0.0 | 0.0 | 0.0 | 111.92 | 111.92 | 111.92 | 0.0 | 0.0 |
| 2 | 1 | 24 August 2024 | 22 August 2024 | 0.0 | 0.0 | 0.0 | 0.0 | 2.8 | 2.8 | 2.8 | 2.8 | 0.0 | 0.0 |
When Admin sets the business date to "29 August 2024"
When Admin runs inline COB job for Loan
When Admin adds "LOAN_NSF_FEE" due date charge with "22 August 2024" due date and 5 EUR transaction amount
Then Loan status will be "OVERPAID"
Then Loan has 0 outstanding amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 23 July 2024 | Disbursement | 111.92 | 0.0 | 0.0 | 0.0 | 0.0 | 111.92 | false |
| 08 August 2024 | Merchant Issued Refund | 76.48 | 76.48 | 0.0 | 0.0 | 0.0 | 35.44 | false |
| 13 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 22 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 22 August 2024 | Repayment | 38.24 | 35.44 | 0.0 | 0.0 | 2.8 | 0.0 | false |
| 23 August 2024 | Repayment | 10.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | false |
| 24 August 2024 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false |
| 24 August 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | false |
Then Loan Repayment schedule has 2 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 July 2024 | | 111.92 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 23 August 2024 | 23 August 2024 | 0.0 | 111.92 | 0.0 | 0.0 | 5.0 | 116.92 | 116.92 | 114.72 | 0.0 | 0.0 |
| 2 | 1 | 24 August 2024 | 23 August 2024 | 0.0 | 0.0 | 0.0 | 0.0 | 2.8 | 2.8 | 2.8 | 2.8 | 0.0 | 0.0 |
When Admin adds "LOAN_NSF_FEE" due date charge with "25 August 2024" due date and 5 EUR transaction amount
When Admin sets the business date to "30 August 2024"
When Admin runs inline COB job for Loan
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 23 July 2024 | Disbursement | 111.92 | 0.0 | 0.0 | 0.0 | 0.0 | 111.92 | false |
| 08 August 2024 | Merchant Issued Refund | 76.48 | 76.48 | 0.0 | 0.0 | 0.0 | 35.44 | false |
| 13 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 22 August 2024 | Repayment | 35.44 | 35.44 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 22 August 2024 | Repayment | 38.24 | 35.44 | 0.0 | 0.0 | 2.8 | 0.0 | false |
| 23 August 2024 | Repayment | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | 0.0 | false |
| 24 August 2024 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false |
| 24 August 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | false |
| 25 August 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | false |
Then Loan Repayment schedule has 2 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 July 2024 | | 111.92 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 23 August 2024 | 23 August 2024 | 0.0 | 111.92 | 0.0 | 0.0 | 5.0 | 116.92 | 116.92 | 114.72 | 0.0 | 0.0 |
| 2 | 2 | 25 August 2024 | 23 August 2024 | 0.0 | 0.0 | 0.0 | 0.0 | 7.8 | 7.8 | 7.8 | 7.8 | 0.0 | 0.0 |
@TestRailId:C3247
Scenario: Verify that repayment reversal is created as the result of backdated repayment transaction for interest bearing product
When Admin sets the business date to "23 June 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 23 Jun 2024 | 400 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "23 June 2024" with "400" amount and expected disbursement date on "23 June 2024"
And Admin successfully disburse the loan on "23 June 2024" with "400" EUR transaction amount
When Admin sets the business date to "10 September 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "10 September 2024" with 200 EUR transaction amount and self-generated Idempotency key
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 23 July 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 200.0 | 0.0 | 200.0 | 200.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 200.0 | 0.0 | 200.0 | 200.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 10 September 2024 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
When Customer makes "AUTOPAY" repayment on "24 June 2024" with 100 EUR transaction amount
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 23 July 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 300.0 | 100.0 | 200.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 300.0 | 100.0 | 200.0 | 100.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 24 June 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
| 10 September 2024 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 100.0 |
@TestRailId:C3261
Scenario: Verify that repayment reversal is created as the result of backdated goodwill credit transaction for interest bearing product
When Admin sets the business date to "23 June 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 23 Jun 2024 | 400 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "23 June 2024" with "400" amount and expected disbursement date on "23 June 2024"
And Admin successfully disburse the loan on "23 June 2024" with "400" EUR transaction amount
When Admin sets the business date to "10 September 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "10 September 2024" with 200 EUR transaction amount and self-generated Idempotency key
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 23 July 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 200.0 | 0.0 | 200.0 | 200.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 200.0 | 0.0 | 200.0 | 200.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 10 September 2024 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
When Admin makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "24 June 2024" with 100 EUR transaction amount
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 23 July 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 300.0 | 100.0 | 200.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 300.0 | 100.0 | 200.0 | 100.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 24 June 2024 | Goodwill Credit | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
| 10 September 2024 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 100.0 |
@TestRailId:C3262
Scenario: Verify that repayment reversal is created as the result of backdated interest payment waiver transaction for interest bearing product
When Admin sets the business date to "23 June 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 23 Jun 2024 | 400 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "23 June 2024" with "400" amount and expected disbursement date on "23 June 2024"
And Admin successfully disburse the loan on "23 June 2024" with "400" EUR transaction amount
When Admin sets the business date to "10 September 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "10 September 2024" with 200 EUR transaction amount and self-generated Idempotency key
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 23 July 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 200.0 | 0.0 | 200.0 | 200.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 200.0 | 0.0 | 200.0 | 200.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 10 September 2024 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
When Admin makes "INTEREST_PAYMENT_WAIVER" transaction with "AUTOPAY" payment type on "24 June 2024" with 100 EUR transaction amount
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 23 July 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 300.0 | 100.0 | 200.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 300.0 | 100.0 | 200.0 | 100.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 24 June 2024 | Interest Payment Waiver | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
| 10 September 2024 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 100.0 |
@TestRailId:C3263
Scenario: Verify that repayment reversal is created as the result of backdated merchant issued refund transaction for interest bearing product
When Admin sets the business date to "23 June 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 23 Jun 2024 | 400 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "23 June 2024" with "400" amount and expected disbursement date on "23 June 2024"
And Admin successfully disburse the loan on "23 June 2024" with "400" EUR transaction amount
When Admin sets the business date to "10 September 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "10 September 2024" with 200 EUR transaction amount and self-generated Idempotency key
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 23 July 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 200.0 | 0.0 | 200.0 | 200.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 200.0 | 0.0 | 200.0 | 200.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 10 September 2024 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "24 June 2024" with 100 EUR transaction amount and self-generated Idempotency key
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 23 July 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 300.0 | 100.0 | 200.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 300.0 | 100.0 | 200.0 | 100.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 24 June 2024 | Merchant Issued Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
| 10 September 2024 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 100.0 |
@TestRailId:C3264
Scenario: Verify that repayment reversal is created as the result of backdated payout refund transaction for interest bearing product
When Admin sets the business date to "23 June 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 23 Jun 2024 | 400 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "23 June 2024" with "400" amount and expected disbursement date on "23 June 2024"
And Admin successfully disburse the loan on "23 June 2024" with "400" EUR transaction amount
When Admin sets the business date to "10 September 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "10 September 2024" with 200 EUR transaction amount and self-generated Idempotency key
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 23 July 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 200.0 | 0.0 | 200.0 | 200.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 200.0 | 0.0 | 200.0 | 200.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 10 September 2024 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "24 June 2024" with 100 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 23 July 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 300.0 | 100.0 | 200.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 300.0 | 100.0 | 200.0 | 100.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 24 June 2024 | Payout Refund | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
| 10 September 2024 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 100.0 |
@TestRailId:C3265
Scenario: Verify that repayment reversal is created as the result of backdated charge adjustment transaction for interest bearing product
When Admin sets the business date to "23 June 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 23 Jun 2024 | 400 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "23 June 2024" with "400" amount and expected disbursement date on "23 June 2024"
And Admin successfully disburse the loan on "23 June 2024" with "400" EUR transaction amount
When Admin sets the business date to "10 September 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "10 September 2024" with 200 EUR transaction amount and self-generated Idempotency key
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 23 July 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 200.0 | 0.0 | 200.0 | 200.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 200.0 | 0.0 | 200.0 | 200.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 10 September 2024 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
When Admin sets the business date to "24 June 2024"
When Admin adds "LOAN_NSF_FEE" due date charge with "24 June 2024" due date and 100 EUR transaction amount
When Admin makes a charge adjustment for the last "LOAN_NSF_FEE" type charge which is due on "24 June 2024" with 100 EUR transaction amount and externalId ""
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 23 July 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 100.0 | 500.0 | 300.0 | 100.0 | 200.0 | 200.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0.0 | 0.0 | 100.0 | 500.0 | 300.0 | 100.0 | 200.0 | 200.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 24 June 2024 | Charge Adjustment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
| 10 September 2024 | Merchant Issued Refund | 200.0 | 100.0 | 0.0 | 0.0 | 100.0 | 200.0 |
@TestRailId:C3266
Scenario: Verify that repayment reversal is created as the result of backdated disbursal transaction for interest bearing product
When Admin sets the business date to "23 June 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_MULTIDISBURSE | 23 Jun 2024 | 500 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "23 June 2024" with "500" amount and expected disbursement date on "23 June 2024"
And Admin successfully disburse the loan on "23 June 2024" with "400" EUR transaction amount
When Admin sets the business date to "10 September 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "10 September 2024" with 200 EUR transaction amount and self-generated Idempotency key
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 23 July 2024 | | 0.0 | 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 200.0 | 0.0 | 200.0 | 200.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 0.0 | 0.0 | 0.0 | 400.0 | 200.0 | 0.0 | 200.0 | 200.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 10 September 2024 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 |
When Admin successfully disburse the loan on "24 June 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 24 June 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 23 July 2024 | | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 200.0 | 0.0 | 200.0 | 300.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 200.0 | 0.0 | 200.0 | 300.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 24 June 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
| 10 September 2024 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 300.0 |
@TestRailId:C3296
Scenario: Verify the relationship for Interest Refund transaction after repayment by reverting related transaction
When Admin sets the business date to "30 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_INTEREST_RECALCULATION | 01 January 2024 | 200 | 15 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "200" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "200" EUR transaction amount
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 January 2024" with 50 EUR transaction amount and self-generated Idempotency key
And Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "16 January 2024" with 50 EUR transaction amount and self-generated Idempotency key
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false |
| 15 January 2024 | Merchant Issued Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | false |
| 15 January 2024 | Interest Refund | 0.29 | 0.29 | 0.0 | 0.0 | 0.0 | 149.71 | false |
| 16 January 2024 | Payout Refund | 50.0 | 48.79 | 1.21 | 0.0 | 0.0 | 100.92 | false |
| 16 January 2024 | Interest Refund | 0.31 | 0.31 | 0.0 | 0.0 | 0.0 | 100.61 | false |
Then In Loan Transactions the "3"th Transaction has relationship type=RELATED with the "2"th Transaction
Then In Loan Transactions the "5"th Transaction has relationship type=RELATED with the "4"th Transaction
When Customer makes "AUTOPAY" repayment on "10 January 2024" with 25 EUR transaction amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false |
| 10 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 175.0 | false |
| 15 January 2024 | Merchant Issued Refund | 50.0 | 48.9 | 1.1 | 0.0 | 0.0 | 126.1 | false |
| 15 January 2024 | Interest Refund | 0.29 | 0.29 | 0.0 | 0.0 | 0.0 | 125.81 | false |
| 16 January 2024 | Payout Refund | 50.0 | 49.95 | 0.05 | 0.0 | 0.0 | 75.86 | false |
| 16 January 2024 | Interest Refund | 0.31 | 0.31 | 0.0 | 0.0 | 0.0 | 75.55 | false |
Then In Loan Transactions the "4"th Transaction has relationship type=RELATED with the "3"th Transaction
Then In Loan Transactions the "6"th Transaction has relationship type=RELATED with the "5"th Transaction
When Customer undo "1"th "Merchant Issued Refund" transaction made on "15 January 2024"
When Customer undo "1"th "Payout Refund" transaction made on "16 January 2024"
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 01 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false |
| 10 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 175.0 | false |
| 15 January 2024 | Merchant Issued Refund | 50.0 | 48.9 | 1.1 | 0.0 | 0.0 | 126.1 | true |
| 15 January 2024 | Interest Refund | 0.29 | 0.29 | 0.0 | 0.0 | 0.0 | 125.81 | true |
| 16 January 2024 | Payout Refund | 50.0 | 48.83 | 1.17 | 0.0 | 0.0 | 126.17 | true |
| 16 January 2024 | Interest Refund | 0.31 | 0.31 | 0.0 | 0.0 | 0.0 | 125.86 | true |
@TestRailId:C3293
Scenario: Verify that repayment made during downpayment period should not call payInterest or payPrincipal methods on the EmiCalculator for interest bearing progressive product with interest recalculation
When Admin sets the business date to "23 June 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_RECALCULATION_DAILY_EMI_360_30_MULTIDISBURSE_DOWNPAYMENT | 23 Jun 2024 | 1000 | 25 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "23 June 2024" with "400" amount and expected disbursement date on "23 June 2024"
And Admin successfully disburse the loan on "23 June 2024" with "400" EUR transaction amount
When Customer makes "AUTOPAY" repayment on "23 June 2024" with 100 EUR transaction amount
Then Loan Repayment schedule has 2 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 23 June 2024 | 23 June 2024 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 30 | 23 July 2024 | | 0.0 | 300.0 | 6.25 | 0.0 | 0.0 | 306.25 | 0.0 | 0.0 | 0.0 | 306.25 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 6.25 | 0.0 | 0.0 | 406.25 | 100.0 | 0.0 | 0.0 | 306.25 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 23 June 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
@TestRailId:C3294
Scenario: Verify that payment transactions made during downpayment period should not call payInterest or payPrincipal methods on the EmiCalculator for interest bearing progressive product with interest recalculation
When Admin sets the business date to "23 June 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_RECALCULATION_DAILY_EMI_360_30_MULTIDISBURSE_DOWNPAYMENT | 23 Jun 2024 | 1000 | 25 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "23 June 2024" with "400" amount and expected disbursement date on "23 June 2024"
And Admin successfully disburse the loan on "23 June 2024" with "400" EUR transaction amount
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "23 June 2024" with 25 EUR transaction amount and self-generated Idempotency key
And Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "23 June 2024" with 25 EUR transaction amount and self-generated Idempotency key
And Customer makes "INTEREST_PAYMENT_WAIVER" transaction with "AUTOPAY" payment type on "23 June 2024" with 25 EUR transaction amount and self-generated Idempotency key
And Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "23 June 2024" with 25 EUR transaction amount and self-generated Idempotency key
Then Loan Repayment schedule has 2 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 23 June 2024 | 23 June 2024 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 30 | 23 July 2024 | | 0.0 | 300.0 | 6.25 | 0.0 | 0.0 | 306.25 | 0.0 | 0.0 | 0.0 | 306.25 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 6.25 | 0.0 | 0.0 | 406.25 | 100.0 | 0.0 | 0.0 | 306.25 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 23 June 2024 | Merchant Issued Refund | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 375.0 |
| 23 June 2024 | Goodwill Credit | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 350.0 |
| 23 June 2024 | Interest Payment Waiver | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 325.0 |
| 23 June 2024 | Payout Refund | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 300.0 |
@TestRailId:C3295
Scenario: Verify that backdated repayment made after loan maturity date should not call payInterest or payPrincipal methods on the EmiCalculator for interest bearing progressive product with interest recalculation
When Admin sets the business date to "23 June 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_RECALCULATION_DAILY_EMI_360_30_MULTIDISBURSE_DOWNPAYMENT | 23 Jun 2024 | 1000 | 25 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "23 June 2024" with "400" amount and expected disbursement date on "23 June 2024"
And Admin successfully disburse the loan on "23 June 2024" with "400" EUR transaction amount
When Admin sets the business date to "24 July 2024"
When Customer makes "AUTOPAY" repayment on "23 June 2024" with 100 EUR transaction amount
Then Loan Repayment schedule has 2 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 23 June 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 23 June 2024 | 23 June 2024 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
| 2 | 30 | 23 July 2024 | | 0.0 | 300.0 | 6.25 | 0.0 | 0.0 | 306.25 | 0.0 | 0.0 | 0.0 | 306.25 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 400.0 | 6.25 | 0.0 | 0.0 | 406.25 | 100.0 | 0.0 | 0.0 | 306.25 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 23 June 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
| 23 June 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
@TestRailId:C3382
Scenario: Verify repayment reversal on interest bearing loan with NSF fee without down payment when accrual activity is present
When Admin sets the business date to "22 December 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_ACTUAL_ACTUAL_ACCRUAL_ACTIVITY | 22 December 2024 | 10000 | 9.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "22 December 2024" with "10000" amount and expected disbursement date on "22 December 2024"
And Admin successfully disburse the loan on "22 December 2024" with "10000" EUR transaction amount
And Admin adds an NSF fee because of payment bounce with "22 December 2024" transaction date
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 |
| | | 22 December 2024 | | 10000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 22 January 2025 | | 6695.66 | 3304.34 | 84.78 | 0.0 | 10.0 | 3399.12 | 0.0 | 0.0 | 0.0 | 3399.12 |
| 2 | 31 | 22 February 2025 | | 3363.35 | 3332.31 | 56.81 | 0.0 | 0.0 | 3389.12 | 0.0 | 0.0 | 0.0 | 3389.12 |
| 3 | 28 | 22 March 2025 | | 0.0 | 3363.35 | 25.78 | 0.0 | 0.0 | 3389.13 | 0.0 | 0.0 | 0.0 | 3389.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 10000.0 | 167.37 | 0.0 | 10.0 | 10177.37 | 0.0 | 0.0 | 0.0 | 10177.37 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 22 December 2024 | Disbursement | 10000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10000.0 | false |
And Customer makes "AUTOPAY" repayment on "22 December 2024" with 10177.37 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 |
| | | 22 December 2024 | | 10000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 22 January 2025 | 22 December 2024 | 6695.66 | 3304.34 | 84.78 | 0.0 | 10.0 | 3399.12 | 3399.12 | 3399.12 | 0.0 | 0.0 |
| 2 | 31 | 22 February 2025 | 22 December 2024 | 3363.35 | 3332.31 | 56.81 | 0.0 | 0.0 | 3389.12 | 3389.12 | 3389.12 | 0.0 | 0.0 |
| 3 | 28 | 22 March 2025 | 22 December 2024 | 0.0 | 3363.35 | 25.78 | 0.0 | 0.0 | 3389.13 | 3389.13 | 3389.13 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 10000.0 | 167.37 | 0.0 | 10.0 | 10177.37 | 10177.37 | 10177.37 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 22 December 2024 | Disbursement | 10000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10000.0 | false |
| 22 December 2024 | Repayment | 10177.37 | 10000.0 | 167.37 | 0.0 | 10.0 | 0.0 | false |
| 22 December 2024 | Accrual | 177.37 | 0.0 | 167.37 | 0.0 | 10.0 | 0.0 | false |
| 22 December 2024 | Accrual Activity | 177.37 | 0.0 | 167.37 | 0.0 | 10.0 | 0.0 | false |
And Customer makes a repayment undo on "22 December 2024"
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 22 December 2024 | | 10000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 22 January 2025 | | 6695.66 | 3304.34 | 84.78 | 0.0 | 10.0 | 3399.12 | 0.0 | 0.0 | 0.0 | 3399.12 |
| 2 | 31 | 22 February 2025 | | 3363.35 | 3332.31 | 56.81 | 0.0 | 0.0 | 3389.12 | 0.0 | 0.0 | 0.0 | 3389.12 |
| 3 | 28 | 22 March 2025 | | 0.0 | 3363.35 | 25.78 | 0.0 | 0.0 | 3389.13 | 0.0 | 0.0 | 0.0 | 3389.13 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 10000.0 | 167.37 | 0.0 | 10.0 | 10177.37 | 0.0 | 0.0 | 0.0 | 10177.37 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 22 December 2024 | Disbursement | 10000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10000.0 | false |
| 22 December 2024 | Repayment | 10177.37 | 10000.0 | 167.37 | 0.0 | 10.0 | 0.0 | true |
| 22 December 2024 | Accrual | 177.37 | 0.0 | 167.37 | 0.0 | 10.0 | 0.0 | false |
@TestRailId:C3383
Scenario: Verify repayment reversal on interest bearing loan with NSF fee with down payment when accrual activity is present
When Admin sets the business date to "22 December 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_AUTO_DOWNPAYMENT_EMI_ACTUAL_ACTUAL_ACCRUAL_ACTIVITY | 22 December 2024 | 10000 | 9.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "22 December 2024" with "6080.58" amount and expected disbursement date on "22 December 2024"
And Admin successfully disburse the loan on "22 December 2024" with "6080.58" EUR transaction amount
And Admin adds "LOAN_NSF_FEE" due date charge with "22 December 2024" due date and 20 EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 22 December 2024 | | 6080.58 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 22 December 2024 | 22 December 2024 | 4560.44 | 1520.14 | 0.0 | 0.0 | 0.0 | 1520.14 | 1520.14 | 0.0 | 0.0 | 0.0 |
| 2 | 31 | 22 January 2025 | | 3053.51 | 1506.93 | 38.66 | 0.0 | 20.0 | 1565.59 | 0.0 | 0.0 | 0.0 | 1565.59 |
| 3 | 31 | 22 February 2025 | | 1533.83 | 1519.68 | 25.91 | 0.0 | 0.0 | 1545.59 | 0.0 | 0.0 | 0.0 | 1545.59 |
| 4 | 28 | 22 March 2025 | | 0.0 | 1533.83 | 11.75 | 0.0 | 0.0 | 1545.58 | 0.0 | 0.0 | 0.0 | 1545.58 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 6080.58 | 76.32 | 0.0 | 20.0 | 6176.9 | 1520.14 | 0.0 | 0.0 | 4656.76 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 22 December 2024 | Disbursement | 6080.58 | 0.0 | 0.0 | 0.0 | 0.0 | 6080.58 | false |
| 22 December 2024 | Down Payment | 1520.14 | 1520.14 | 0.0 | 0.0 | 0.0 | 4560.44 | false |
And Customer makes "AUTOPAY" repayment on "22 December 2024" with 6060.58 EUR transaction amount
And Loan status will be "OVERPAID"
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 |
| | | 22 December 2024 | | 6080.58 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 22 December 2024 | 22 December 2024 | 4560.44 | 1520.14 | 0.0 | 0.0 | 0.0 | 1520.14 | 1520.14 | 0.0 | 0.0 | 0.0 |
| 2 | 31 | 22 January 2025 | 22 December 2024 | 3053.51 | 1506.93 | 38.66 | 0.0 | 20.0 | 1565.59 | 1565.59 | 1565.59 | 0.0 | 0.0 |
| 3 | 31 | 22 February 2025 | 22 December 2024 | 1533.83 | 1519.68 | 25.91 | 0.0 | 0.0 | 1545.59 | 1545.59 | 1545.59 | 0.0 | 0.0 |
| 4 | 28 | 22 March 2025 | 22 December 2024 | 0.0 | 1533.83 | 11.75 | 0.0 | 0.0 | 1545.58 | 1545.58 | 1545.58 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 6080.58 | 76.32 | 0.0 | 20.0 | 6176.9 | 6176.9 | 4656.76 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 22 December 2024 | Disbursement | 6080.58 | 0.0 | 0.0 | 0.0 | 0.0 | 6080.58 | false |
| 22 December 2024 | Down Payment | 1520.14 | 1520.14 | 0.0 | 0.0 | 0.0 | 4560.44 | false |
| 22 December 2024 | Repayment | 6060.58 | 4560.44 | 76.32 | 0.0 | 20.0 | 0.0 | false |
| 22 December 2024 | Accrual | 96.32 | 0.0 | 76.32 | 0.0 | 20.0 | 0.0 | false |
| 22 December 2024 | Accrual Activity | 96.32 | 0.0 | 76.32 | 0.0 | 20.0 | 0.0 | false |
And Customer makes a repayment undo on "22 December 2024"
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 22 December 2024 | | 6080.58 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 22 December 2024 | 22 December 2024 | 4560.44 | 1520.14 | 0.0 | 0.0 | 0.0 | 1520.14 | 1520.14 | 0.0 | 0.0 | 0.0 |
| 2 | 31 | 22 January 2025 | | 3053.51 | 1506.93 | 38.66 | 0.0 | 20.0 | 1565.59 | 0.0 | 0.0 | 0.0 | 1565.59 |
| 3 | 31 | 22 February 2025 | | 1533.83 | 1519.68 | 25.91 | 0.0 | 0.0 | 1545.59 | 0.0 | 0.0 | 0.0 | 1545.59 |
| 4 | 28 | 22 March 2025 | | 0.0 | 1533.83 | 11.75 | 0.0 | 0.0 | 1545.58 | 0.0 | 0.0 | 0.0 | 1545.58 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 6080.58 | 76.32 | 0.0 | 20.0 | 6176.9 | 1520.14 | 0.0 | 0.0 | 4656.76 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 22 December 2024 | Disbursement | 6080.58 | 0.0 | 0.0 | 0.0 | 0.0 | 6080.58 | false |
| 22 December 2024 | Down Payment | 1520.14 | 1520.14 | 0.0 | 0.0 | 0.0 | 4560.44 | false |
| 22 December 2024 | Repayment | 6060.58 | 4560.44 | 76.32 | 0.0 | 20.0 | 0.0 | true |
| 22 December 2024 | Accrual | 96.32 | 0.0 | 76.32 | 0.0 | 20.0 | 0.0 | false |
@TestRailId:C3391
Scenario: Validate interest calculation for on progressive interest bearing loan with multi-disbursement - MIR on disbursement 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_MULTIDISBURSE | 01 January 2024 | 1000 | 7.0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "300" 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 | | 300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 250.72 | 49.28 | 1.75 | 0.0 | 0.0 | 51.03 | 0.0 | 0.0 | 0.0 | 51.03 |
| 2 | 29 | 01 March 2024 | | 201.15 | 49.57 | 1.46 | 0.0 | 0.0 | 51.03 | 0.0 | 0.0 | 0.0 | 51.03 |
| 3 | 31 | 01 April 2024 | | 151.29 | 49.86 | 1.17 | 0.0 | 0.0 | 51.03 | 0.0 | 0.0 | 0.0 | 51.03 |
| 4 | 30 | 01 May 2024 | | 101.14 | 50.15 | 0.88 | 0.0 | 0.0 | 51.03 | 0.0 | 0.0 | 0.0 | 51.03 |
| 5 | 31 | 01 June 2024 | | 50.7 | 50.44 | 0.59 | 0.0 | 0.0 | 51.03 | 0.0 | 0.0 | 0.0 | 51.03 |
| 6 | 30 | 01 July 2024 | | 0.0 | 50.7 | 0.3 | 0.0 | 0.0 | 51.0 | 0.0 | 0.0 | 0.0 | 51.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 300.0 | 6.15 | 0.0 | 0.0 | 306.15 | 0.0 | 0.0 | 0.0 | 306.15 |
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 | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false |
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "01 January 2024" with 300 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 250.72 | 49.28 | 1.75 | 0.0 | 0.0 | 51.03 | 49.5 | 49.5 | 0.0 | 1.53 |
| 2 | 29 | 01 March 2024 | | 201.15 | 49.57 | 1.46 | 0.0 | 0.0 | 51.03 | 49.79 | 49.79 | 0.0 | 1.24 |
| 3 | 31 | 01 April 2024 | | 151.29 | 49.86 | 1.17 | 0.0 | 0.0 | 51.03 | 50.08 | 50.08 | 0.0 | 0.95 |
| 4 | 30 | 01 May 2024 | | 101.14 | 50.15 | 0.88 | 0.0 | 0.0 | 51.03 | 50.22 | 50.22 | 0.0 | 0.81 |
| 5 | 31 | 01 June 2024 | | 50.7 | 50.44 | 0.59 | 0.0 | 0.0 | 51.03 | 50.22 | 50.22 | 0.0 | 0.81 |
| 6 | 30 | 01 July 2024 | | 0.0 | 50.7 | 0.3 | 0.0 | 0.0 | 51.0 | 50.19 | 50.19 | 0.0 | 0.81 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 300.0 | 6.15 | 0.0 | 0.0 | 306.15 | 300.0 | 300.0 | 0.0 | 6.15 |
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 | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false |
| 01 January 2024 | Merchant Issued Refund | 300.0 | 298.71 | 1.29 | 0.0 | 0.0 | 1.29 | false | false |
When Admin successfully disburse the loan on "01 January 2024" with "200" 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 | | 300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 01 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 417.88 | 82.12 | 2.92 | 0.0 | 0.0 | 85.04 | 49.5 | 49.5 | 0.0 | 35.54 |
| 2 | 29 | 01 March 2024 | | 335.28 | 82.6 | 2.44 | 0.0 | 0.0 | 85.04 | 49.79 | 49.79 | 0.0 | 35.25 |
| 3 | 31 | 01 April 2024 | | 252.2 | 83.08 | 1.96 | 0.0 | 0.0 | 85.04 | 50.08 | 50.08 | 0.0 | 34.96 |
| 4 | 30 | 01 May 2024 | | 168.63 | 83.57 | 1.47 | 0.0 | 0.0 | 85.04 | 50.22 | 50.22 | 0.0 | 34.82 |
| 5 | 31 | 01 June 2024 | | 84.57 | 84.06 | 0.98 | 0.0 | 0.0 | 85.04 | 50.22 | 50.22 | 0.0 | 34.82 |
| 6 | 30 | 01 July 2024 | | 0.0 | 84.57 | 0.49 | 0.0 | 0.0 | 85.06 | 50.19 | 50.19 | 0.0 | 34.87 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 10.26 | 0.0 | 0.0 | 510.26 | 300.0 | 300.0 | 0.0 | 210.26 |
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 | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false |
| 01 January 2024 | Merchant Issued Refund | 300.0 | 298.71 | 1.29 | 0.0 | 0.0 | 1.29 | false | false |
| 01 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 201.29 | false | false |
@TestRailId:C3392
Scenario: Validate interest calculation for on progressive interest bearing loan with multi-disbursement - MIR on disbursement date, 2nd disbursement on middle of 2nd period
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_MULTIDISBURSE | 01 January 2024 | 1000 | 7.0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "300" 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 | | 300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 250.72 | 49.28 | 1.75 | 0.0 | 0.0 | 51.03 | 0.0 | 0.0 | 0.0 | 51.03 |
| 2 | 29 | 01 March 2024 | | 201.15 | 49.57 | 1.46 | 0.0 | 0.0 | 51.03 | 0.0 | 0.0 | 0.0 | 51.03 |
| 3 | 31 | 01 April 2024 | | 151.29 | 49.86 | 1.17 | 0.0 | 0.0 | 51.03 | 0.0 | 0.0 | 0.0 | 51.03 |
| 4 | 30 | 01 May 2024 | | 101.14 | 50.15 | 0.88 | 0.0 | 0.0 | 51.03 | 0.0 | 0.0 | 0.0 | 51.03 |
| 5 | 31 | 01 June 2024 | | 50.7 | 50.44 | 0.59 | 0.0 | 0.0 | 51.03 | 0.0 | 0.0 | 0.0 | 51.03 |
| 6 | 30 | 01 July 2024 | | 0.0 | 50.7 | 0.3 | 0.0 | 0.0 | 51.0 | 0.0 | 0.0 | 0.0 | 51.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 300.0 | 6.15 | 0.0 | 0.0 | 306.15 | 0.0 | 0.0 | 0.0 | 306.15 |
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 | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false |
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "01 January 2024" with 300 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 250.72 | 49.28 | 1.75 | 0.0 | 0.0 | 51.03 | 49.5 | 49.5 | 0.0 | 1.53 |
| 2 | 29 | 01 March 2024 | | 201.15 | 49.57 | 1.46 | 0.0 | 0.0 | 51.03 | 49.79 | 49.79 | 0.0 | 1.24 |
| 3 | 31 | 01 April 2024 | | 151.29 | 49.86 | 1.17 | 0.0 | 0.0 | 51.03 | 50.08 | 50.08 | 0.0 | 0.95 |
| 4 | 30 | 01 May 2024 | | 101.14 | 50.15 | 0.88 | 0.0 | 0.0 | 51.03 | 50.22 | 50.22 | 0.0 | 0.81 |
| 5 | 31 | 01 June 2024 | | 50.7 | 50.44 | 0.59 | 0.0 | 0.0 | 51.03 | 50.22 | 50.22 | 0.0 | 0.81 |
| 6 | 30 | 01 July 2024 | | 0.0 | 50.7 | 0.3 | 0.0 | 0.0 | 51.0 | 50.19 | 50.19 | 0.0 | 0.81 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 300.0 | 6.15 | 0.0 | 0.0 | 306.15 | 300.0 | 300.0 | 0.0 | 6.15 |
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 | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false |
| 01 January 2024 | Merchant Issued Refund | 300.0 | 298.71 | 1.29 | 0.0 | 0.0 | 1.29 | false | false |
When Admin sets the business date to "10 February 2024"
When Admin successfully disburse the loan on "10 February 2024" with "200" 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 | | 300.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 250.72 | 49.28 | 1.75 | 0.0 | 0.0 | 51.03 | 49.5 | 49.5 | 0.0 | 1.53 |
| | | 10 February 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 2 | 29 | 01 March 2024 | | 361.33 | 89.39 | 2.27 | 0.0 | 0.0 | 91.66 | 49.79 | 49.79 | 0.0 | 41.87 |
| 3 | 31 | 01 April 2024 | | 271.78 | 89.55 | 2.11 | 0.0 | 0.0 | 91.66 | 50.08 | 50.08 | 0.0 | 41.58 |
| 4 | 30 | 01 May 2024 | | 181.71 | 90.07 | 1.59 | 0.0 | 0.0 | 91.66 | 50.22 | 50.22 | 0.0 | 41.44 |
| 5 | 31 | 01 June 2024 | | 91.11 | 90.6 | 1.06 | 0.0 | 0.0 | 91.66 | 50.22 | 50.22 | 0.0 | 41.44 |
| 6 | 30 | 01 July 2024 | | 0.0 | 91.11 | 0.53 | 0.0 | 0.0 | 91.64 | 50.19 | 50.19 | 0.0 | 41.45 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 500.0 | 9.31 | 0.0 | 0.0 | 509.31 | 300.0 | 300.0 | 0.0 | 209.31 |
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 | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false |
| 01 January 2024 | Merchant Issued Refund | 300.0 | 298.71 | 1.29 | 0.0 | 0.0 | 1.29 | false | false |
| 10 February 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 201.29 | false | false |
@TestRailId:C3442
Scenario: Verify that after repayment reversal Goodwill credit is reversed and replayed with non null external-id
When Admin sets the business date to "22 January 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
|LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_ACCRUAL_ACTIVITY_POSTING | 21 January 2025 | 800 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "21 January 2025" with "800" amount and expected disbursement date on "21 January 2025"
When Admin successfully disburse the loan on "21 January 2025" with "800" 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 |
| | | 21 January 2025 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 21 February 2025 | | 668.6 | 131.4 | 4.67 | 0.0 | 0.0 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 |
| 2 | 28 | 21 March 2025 | | 536.43 | 132.17 | 3.9 | 0.0 | 0.0 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 |
| 3 | 31 | 21 April 2025 | | 403.49 | 132.94 | 3.13 | 0.0 | 0.0 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 |
| 4 | 30 | 21 May 2025 | | 269.77 | 133.72 | 2.35 | 0.0 | 0.0 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 |
| 5 | 31 | 21 June 2025 | | 135.27 | 134.5 | 1.57 | 0.0 | 0.0 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 |
| 6 | 30 | 21 July 2025 | | 0.0 | 135.27 | 0.79 | 0.0 | 0.0 | 136.06 | 0.0 | 0.0 | 0.0 | 136.06 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 800.0 | 16.41 | 0.0 | 0.0 | 816.41 | 0.0 | 0.0 | 0.0 | 816.41 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 21 January 2025 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 |
When Admin runs inline COB job for Loan
And Admin sets the business date to "25 January 2025"
And Customer makes "AUTOPAY" repayment on "25 January 2025" with 720 EUR transaction amount
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 21 January 2025 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 21 February 2025 | 25 January 2025 | 664.53 | 135.47 | 0.6 | 0.0 | 0.0 | 136.07 | 136.07 | 136.07 | 0.0 | 0.0 |
| 2 | 28 | 21 March 2025 | 25 January 2025 | 528.46 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 | 136.07 | 136.07 | 0.0 | 0.0 |
| 3 | 31 | 21 April 2025 | 25 January 2025 | 392.39 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 | 136.07 | 136.07 | 0.0 | 0.0 |
| 4 | 30 | 21 May 2025 | 25 January 2025 | 256.32 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 | 136.07 | 136.07 | 0.0 | 0.0 |
| 5 | 31 | 21 June 2025 | 25 January 2025 | 120.25 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 | 136.07 | 136.07 | 0.0 | 0.0 |
| 6 | 30 | 21 July 2025 | | 0.0 | 120.25 | 2.76 | 0.0 | 0.0 | 123.01 | 39.65 | 39.65 | 0.0 | 83.36 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 800.0 | 3.36 | 0.0 | 0.0 | 803.36 | 720.0 | 720.0 | 0.0 | 83.36 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 21 January 2025 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
| 22 January 2025 | Accrual | 0.15 | 0.0 | 0.15 | 0.0 | 0.0 | 0.0 | false | false |
| 23 January 2025 | Accrual | 0.15 | 0.0 | 0.15 | 0.0 | 0.0 | 0.0 | false | false |
| 24 January 2025 | Accrual | 0.15 | 0.0 | 0.15 | 0.0 | 0.0 | 0.0 | false | false |
| 25 January 2025 | Repayment | 720.0 | 719.4 | 0.6 | 0.0 | 0.0 | 80.6 | false | false |
When Admin makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "25 January 2025" with 200 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 |
| | | 21 January 2025 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 21 February 2025 | 25 January 2025 | 664.53 | 135.47 | 0.6 | 0.0 | 0.0 | 136.07 | 136.07 | 136.07 | 0.0 | 0.0 |
| 2 | 28 | 21 March 2025 | 25 January 2025 | 528.46 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 | 136.07 | 136.07 | 0.0 | 0.0 |
| 3 | 31 | 21 April 2025 | 25 January 2025 | 392.39 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 | 136.07 | 136.07 | 0.0 | 0.0 |
| 4 | 30 | 21 May 2025 | 25 January 2025 | 256.32 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 | 136.07 | 136.07 | 0.0 | 0.0 |
| 5 | 31 | 21 June 2025 | 25 January 2025 | 120.25 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 | 136.07 | 136.07 | 0.0 | 0.0 |
| 6 | 30 | 21 July 2025 | 25 January 2025 | 0.0 | 120.25 | 0.0 | 0.0 | 0.0 | 120.25 | 120.25 | 120.25 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 800.0 | 0.6 | 0.0 | 0.0 | 800.6 | 800.6 | 800.6 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 21 January 2025 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
| 22 January 2025 | Accrual | 0.15 | 0.0 | 0.15 | 0.0 | 0.0 | 0.0 | false | false |
| 23 January 2025 | Accrual | 0.15 | 0.0 | 0.15 | 0.0 | 0.0 | 0.0 | false | false |
| 24 January 2025 | Accrual | 0.15 | 0.0 | 0.15 | 0.0 | 0.0 | 0.0 | false | false |
| 25 January 2025 | Repayment | 720.0 | 719.4 | 0.6 | 0.0 | 0.0 | 80.6 | false | false |
| 25 January 2025 | Goodwill Credit | 200.0 | 80.6 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 25 January 2025 | Accrual | 0.15 | 0.0 | 0.15 | 0.0 | 0.0 | 0.0 | false | false |
| 25 January 2025 | Accrual Activity | 0.6 | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | false | false |
When Customer undo "1"th "Repayment" transaction made on "25 January 2025"
Then In Loan Transactions all transactions have non-null external-id
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 |
| | | 21 January 2025 | | 800.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 21 February 2025 | | 667.58 | 132.42 | 3.65 | 0.0 | 0.0 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 |
| 2 | 28 | 21 March 2025 | | 534.24 | 133.34 | 2.73 | 0.0 | 0.0 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 |
| 3 | 31 | 21 April 2025 | | 400.12 | 134.12 | 1.95 | 0.0 | 0.0 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 |
| 4 | 30 | 21 May 2025 | | 265.22 | 134.9 | 1.17 | 0.0 | 0.0 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 |
| 5 | 31 | 21 June 2025 | | 136.07 | 129.15 | 0.38 | 0.0 | 0.0 | 129.53 | 63.93 | 63.93 | 0.0 | 65.6 |
| 6 | 30 | 21 July 2025 | 25 January 2025 | 0.0 | 136.07 | 0.0 | 0.0 | 0.0 | 136.07 | 136.07 | 136.07 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 800.0 | 9.88 | 0.0 | 0.0 | 809.88 | 200.0 | 200.0 | 0.0 | 609.88 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 21 January 2025 | Disbursement | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 800.0 | false | false |
| 22 January 2025 | Accrual | 0.15 | 0.0 | 0.15 | 0.0 | 0.0 | 0.0 | false | false |
| 23 January 2025 | Accrual | 0.15 | 0.0 | 0.15 | 0.0 | 0.0 | 0.0 | false | false |
| 24 January 2025 | Accrual | 0.15 | 0.0 | 0.15 | 0.0 | 0.0 | 0.0 | false | false |
| 25 January 2025 | Repayment | 720.0 | 719.4 | 0.6 | 0.0 | 0.0 | 80.6 | true | false |
| 25 January 2025 | Accrual | 0.15 | 0.0 | 0.15 | 0.0 | 0.0 | 0.0 | false | false |
| 25 January 2025 | Goodwill Credit | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | true |
@TestRailId:C3520
Scenario: Verify the next/last installament payment allocation in case the repayment is before the installment date
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_LAST_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 20 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 January 2024 | 83.25 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 66.97 | 16.28 | 0.73 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.33 | 16.64 | 0.37 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.6 | 16.73 | 0.28 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.77 | 16.83 | 0.18 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.77 | 0.08 | 0.0 | 0.0 | 16.85 | 2.99 | 2.99 | 0.0 | 13.86 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.9 | 0.0 | 0.0 | 101.9 | 20.0 | 20.0 | 0.0 | 81.9 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 20.0 | 19.74 | 0.26 | 0.0 | 0.0 | 80.26 | false | false |
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C3521
Scenario: Verify the next/last installament payment allocation in case the repayment is on the installment date
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_LAST_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 20 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.03 | 16.54 | 0.47 | 0.0 | 0.0 | 17.01 | 2.99 | 2.99 | 0.0 | 14.02 |
| 3 | 31 | 01 April 2024 | | 50.41 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.69 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.88 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.88 | 0.1 | 0.0 | 0.0 | 16.98 | 0.0 | 0.0 | 0.0 | 16.98 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.03 | 0.0 | 0.0 | 102.03 | 20.0 | 2.99 | 0.0 | 82.03 |
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 | 20.0 | 19.42 | 0.58 | 0.0 | 0.0 | 80.58 | false | false |
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C3569
Scenario: Verify Loan is fully paid and closed after partial repayments, Merchant issued refund which overpays the loan, partial CBR and reversal of 1st repayment
When Admin sets the business date to "28 March 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 26 March 2025 | 120 | 35.29 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "26 March 2025" with "120" amount and expected disbursement date on "26 March 2025"
When Admin successfully disburse the loan on "26 March 2025" with "120" 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 |
| | | 26 March 2025 | | 120.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 April 2025 | | 81.15 | 38.85 | 3.53 | 0.0 | 0.0 | 42.38 | 0.0 | 0.0 | 0.0 | 42.38 |
| 2 | 30 | 26 May 2025 | | 41.16 | 39.99 | 2.39 | 0.0 | 0.0 | 42.38 | 0.0 | 0.0 | 0.0 | 42.38 |
| 3 | 31 | 26 June 2025 | | 0.0 | 41.16 | 1.21 | 0.0 | 0.0 | 42.37 | 0.0 | 0.0 | 0.0 | 42.37 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 120.0 | 7.13 | 0.0 | 0.0 | 127.13 | 0.0 | 0.0 | 0.0 | 127.13 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 March 2025 | Disbursement | 120.0 | 0.0 | 0.0 | 0.0 | 0.0 | 120.0 | false | false |
And Customer makes "AUTOPAY" repayment on "27 March 2025" with 20 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 |
| | | 26 March 2025 | | 120.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 April 2025 | | 80.58 | 39.42 | 2.96 | 0.0 | 0.0 | 42.38 | 20.0 | 20.0 | 0.0 | 22.38 |
| 2 | 30 | 26 May 2025 | | 40.57 | 40.01 | 2.37 | 0.0 | 0.0 | 42.38 | 0.0 | 0.0 | 0.0 | 42.38 |
| 3 | 31 | 26 June 2025 | | 0.0 | 40.57 | 1.19 | 0.0 | 0.0 | 41.76 | 0.0 | 0.0 | 0.0 | 41.76 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 120.0 | 6.52 | 0.0 | 0.0 | 126.52 | 20.0 | 20.0 | 0.0 | 106.52 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 March 2025 | Disbursement | 120.0 | 0.0 | 0.0 | 0.0 | 0.0 | 120.0 | false | false |
| 27 March 2025 | Repayment | 20.0 | 19.89 | 0.11 | 0.0 | 0.0 | 100.11 | false | false |
And Customer makes "AUTOPAY" repayment on "27 March 2025" with 20 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 |
| | | 26 March 2025 | | 120.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 April 2025 | | 80.01 | 39.99 | 2.39 | 0.0 | 0.0 | 42.38 | 40.0 | 40.0 | 0.0 | 2.38 |
| 2 | 30 | 26 May 2025 | | 39.98 | 40.03 | 2.35 | 0.0 | 0.0 | 42.38 | 0.0 | 0.0 | 0.0 | 42.38 |
| 3 | 31 | 26 June 2025 | | 0.0 | 39.98 | 1.18 | 0.0 | 0.0 | 41.16 | 0.0 | 0.0 | 0.0 | 41.16 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 120.0 | 5.92 | 0.0 | 0.0 | 125.92 | 40.0 | 40.0 | 0.0 | 85.92 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 March 2025 | Disbursement | 120.0 | 0.0 | 0.0 | 0.0 | 0.0 | 120.0 | false | false |
| 27 March 2025 | Repayment | 20.0 | 19.89 | 0.11 | 0.0 | 0.0 | 100.11 | false | false |
| 27 March 2025 | Repayment | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 80.11 | false | false |
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "27 March 2025" with 120 EUR transaction amount and self-generated Idempotency key
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 |
| | | 26 March 2025 | | 120.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 April 2025 | 27 March 2025 | 80.11 | 39.89 | 0.11 | 0.0 | 0.0 | 40.0 | 40.0 | 40.0 | 0.0 | 0.0 |
| 2 | 30 | 26 May 2025 | 27 March 2025 | 42.38 | 37.73 | 0.0 | 0.0 | 0.0 | 37.73 | 37.73 | 37.73 | 0.0 | 0.0 |
| 3 | 31 | 26 June 2025 | 27 March 2025 | 0.0 | 42.38 | 0.0 | 0.0 | 0.0 | 42.38 | 42.38 | 42.38 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 120.0 | 0.11 | 0.0 | 0.0 | 120.11 | 120.11 | 120.11 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 March 2025 | Disbursement | 120.0 | 0.0 | 0.0 | 0.0 | 0.0 | 120.0 | false | false |
| 27 March 2025 | Repayment | 20.0 | 19.89 | 0.11 | 0.0 | 0.0 | 100.11 | false | false |
| 27 March 2025 | Repayment | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 80.11 | false | false |
| 27 March 2025 | Merchant Issued Refund | 120.0 | 80.11 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 27 March 2025 | Interest Refund | 0.11 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 27 March 2025 | Accrual Activity | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 28 March 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "OVERPAID"
Then Loan has 0 outstanding amount
Then Loan has 40 overpaid amount
And Admin makes Credit Balance Refund transaction on "28 March 2025" with 20 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 |
| | | 26 March 2025 | | 120.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 April 2025 | 27 March 2025 | 80.11 | 39.89 | 0.11 | 0.0 | 0.0 | 40.0 | 40.0 | 40.0 | 0.0 | 0.0 |
| 2 | 30 | 26 May 2025 | 27 March 2025 | 42.38 | 37.73 | 0.0 | 0.0 | 0.0 | 37.73 | 37.73 | 37.73 | 0.0 | 0.0 |
| 3 | 31 | 26 June 2025 | 27 March 2025 | 0.0 | 42.38 | 0.0 | 0.0 | 0.0 | 42.38 | 42.38 | 42.38 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 120.0 | 0.11 | 0.0 | 0.0 | 120.11 | 120.11 | 120.11 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 March 2025 | Disbursement | 120.0 | 0.0 | 0.0 | 0.0 | 0.0 | 120.0 | false | false |
| 27 March 2025 | Repayment | 20.0 | 19.89 | 0.11 | 0.0 | 0.0 | 100.11 | false | false |
| 27 March 2025 | Repayment | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 80.11 | false | false |
| 27 March 2025 | Merchant Issued Refund | 120.0 | 80.11 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 27 March 2025 | Interest Refund | 0.11 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 27 March 2025 | Accrual Activity | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 28 March 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 28 March 2025 | Credit Balance Refund | 20.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "OVERPAID"
Then Loan has 0 outstanding amount
Then Loan has 20 overpaid amount
When Customer undo "1"th "Repayment" transaction made on "27 March 2025"
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 |
| | | 26 March 2025 | | 120.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 April 2025 | 27 March 2025 | 84.76 | 35.24 | 0.11 | 0.0 | 0.0 | 35.35 | 35.35 | 35.35 | 0.0 | 0.0 |
| 2 | 30 | 26 May 2025 | 27 March 2025 | 42.38 | 42.38 | 0.0 | 0.0 | 0.0 | 42.38 | 42.38 | 42.38 | 0.0 | 0.0 |
| 3 | 31 | 26 June 2025 | 27 March 2025 | 0.0 | 42.38 | 0.0 | 0.0 | 0.0 | 42.38 | 42.38 | 42.38 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 120.0 | 0.11 | 0.0 | 0.0 | 120.11 | 120.11 | 120.11 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 March 2025 | Disbursement | 120.0 | 0.0 | 0.0 | 0.0 | 0.0 | 120.0 | false | false |
| 27 March 2025 | Repayment | 20.0 | 19.89 | 0.11 | 0.0 | 0.0 | 100.11 | true | false |
| 27 March 2025 | Repayment | 20.0 | 19.89 | 0.11 | 0.0 | 0.0 | 100.11 | false | true |
| 27 March 2025 | Merchant Issued Refund | 120.0 | 100.11 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
| 27 March 2025 | Interest Refund | 0.11 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
| 27 March 2025 | Accrual Activity | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 28 March 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 28 March 2025 | Credit Balance Refund | 20.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding amount
@TestRailId:C3589
Scenario: Verify early repayment on high interest loan works properly and align the interest properly - UC1
When Admin sets the business date to "10 April 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 10 April 2025 | 1001 | 35.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "10 April 2025" with "1001" amount and expected disbursement date on "10 April 2025"
When Admin successfully disburse the loan on "10 April 2025" with "1001" EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | | 971.92 | 29.08 | 30.02 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 2 | 31 | 10 June 2025 | | 941.97 | 29.95 | 29.15 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 3 | 30 | 10 July 2025 | | 911.12 | 30.85 | 28.25 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 4 | 31 | 10 August 2025 | | 879.35 | 31.77 | 27.33 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 5 | 31 | 10 September 2025 | | 846.62 | 32.73 | 26.37 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 6 | 30 | 10 October 2025 | | 812.91 | 33.71 | 25.39 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 7 | 31 | 10 November 2025 | | 778.19 | 34.72 | 24.38 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 8 | 30 | 10 December 2025 | | 742.43 | 35.76 | 23.34 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 9 | 31 | 10 January 2026 | | 705.6 | 36.83 | 22.27 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 10 | 31 | 10 February 2026 | | 667.66 | 37.94 | 21.16 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 11 | 28 | 10 March 2026 | | 628.58 | 39.08 | 20.02 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 12 | 31 | 10 April 2026 | | 588.33 | 40.25 | 18.85 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 13 | 30 | 10 May 2026 | | 546.87 | 41.46 | 17.64 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 14 | 31 | 10 June 2026 | | 504.17 | 42.7 | 16.4 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 15 | 30 | 10 July 2026 | | 460.19 | 43.98 | 15.12 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 16 | 31 | 10 August 2026 | | 414.89 | 45.3 | 13.8 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 17 | 31 | 10 September 2026 | | 368.23 | 46.66 | 12.44 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 18 | 30 | 10 October 2026 | | 320.17 | 48.06 | 11.04 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 19 | 31 | 10 November 2026 | | 270.67 | 49.5 | 9.6 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 20 | 30 | 10 December 2026 | | 219.69 | 50.98 | 8.12 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 21 | 31 | 10 January 2027 | | 167.18 | 52.51 | 6.59 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 22 | 31 | 10 February 2027 | | 113.09 | 54.09 | 5.01 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 23 | 28 | 10 March 2027 | | 57.38 | 55.71 | 3.39 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 24 | 31 | 10 April 2027 | | 0.0 | 57.38 | 1.72 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 417.4 | 0.0 | 0.0 | 1418.4 | 0.0 | 0.0 | 0.0 | 1418.4 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
When Admin runs inline COB job for Loan
When Admin sets the business date to "13 April 2025"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "10 April 2025" with 100 EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 10 April 2025 | 941.9 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 | 59.1 | 59.1 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | | 882.8 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 | 40.9 | 40.9 | 0.0 | 18.2 |
| 3 | 30 | 10 July 2025 | | 882.8 | 0.0 | 59.1 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 4 | 31 | 10 August 2025 | | 871.6 | 11.2 | 47.9 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 5 | 31 | 10 September 2025 | | 838.64 | 32.96 | 26.14 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 6 | 30 | 10 October 2025 | | 804.69 | 33.95 | 25.15 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 7 | 31 | 10 November 2025 | | 769.72 | 34.97 | 24.13 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 8 | 30 | 10 December 2025 | | 733.71 | 36.01 | 23.09 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 9 | 31 | 10 January 2026 | | 696.62 | 37.09 | 22.01 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 10 | 31 | 10 February 2026 | | 658.41 | 38.21 | 20.89 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 11 | 28 | 10 March 2026 | | 619.06 | 39.35 | 19.75 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 12 | 31 | 10 April 2026 | | 578.53 | 40.53 | 18.57 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 13 | 30 | 10 May 2026 | | 536.78 | 41.75 | 17.35 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 14 | 31 | 10 June 2026 | | 493.78 | 43.0 | 16.1 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 15 | 30 | 10 July 2026 | | 449.49 | 44.29 | 14.81 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 16 | 31 | 10 August 2026 | | 403.87 | 45.62 | 13.48 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 17 | 31 | 10 September 2026 | | 356.88 | 46.99 | 12.11 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 18 | 30 | 10 October 2026 | | 308.48 | 48.4 | 10.7 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 19 | 31 | 10 November 2026 | | 258.63 | 49.85 | 9.25 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 20 | 30 | 10 December 2026 | | 207.29 | 51.34 | 7.76 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 21 | 31 | 10 January 2027 | | 154.41 | 52.88 | 6.22 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 22 | 31 | 10 February 2027 | | 99.94 | 54.47 | 4.63 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 23 | 28 | 10 March 2027 | | 43.84 | 56.1 | 3.0 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 24 | 31 | 10 April 2027 | | 0.0 | 43.84 | 1.31 | 0.0 | 0.0 | 45.15 | 0.0 | 0.0 | 0.0 | 45.15 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 403.45 | 0.0 | 0.0 | 1404.45 | 100.0 | 100.0 | 0.0 | 1304.45 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 901.0 | false | false |
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "15 April 2025"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 901.0 | false | false |
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.7 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.9 | 0.0 | 0.9 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3614
Scenario: Verify early repayment on high interest loan works properly and align the interest properly while increase interest rate - UC2
When Admin sets the business date to "10 April 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 10 April 2025 | 1001 | 17 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "10 April 2025" with "1001" amount and expected disbursement date on "10 April 2025"
When Admin successfully disburse the loan on "10 April 2025" with "1001" EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | | 965.69 | 35.31 | 14.18 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 2 | 31 | 10 June 2025 | | 929.88 | 35.81 | 13.68 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 3 | 30 | 10 July 2025 | | 893.56 | 36.32 | 13.17 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 4 | 31 | 10 August 2025 | | 856.73 | 36.83 | 12.66 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 5 | 31 | 10 September 2025 | | 819.38 | 37.35 | 12.14 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 6 | 30 | 10 October 2025 | | 781.5 | 37.88 | 11.61 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 7 | 31 | 10 November 2025 | | 743.08 | 38.42 | 11.07 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 8 | 30 | 10 December 2025 | | 704.12 | 38.96 | 10.53 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 9 | 31 | 10 January 2026 | | 664.61 | 39.51 | 9.98 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 10 | 31 | 10 February 2026 | | 624.54 | 40.07 | 9.42 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 11 | 28 | 10 March 2026 | | 583.9 | 40.64 | 8.85 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 12 | 31 | 10 April 2026 | | 542.68 | 41.22 | 8.27 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 13 | 30 | 10 May 2026 | | 500.88 | 41.8 | 7.69 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 14 | 31 | 10 June 2026 | | 458.49 | 42.39 | 7.1 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 15 | 30 | 10 July 2026 | | 415.5 | 42.99 | 6.5 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 16 | 31 | 10 August 2026 | | 371.9 | 43.6 | 5.89 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 17 | 31 | 10 September 2026 | | 327.68 | 44.22 | 5.27 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 18 | 30 | 10 October 2026 | | 282.83 | 44.85 | 4.64 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 19 | 31 | 10 November 2026 | | 237.35 | 45.48 | 4.01 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 20 | 30 | 10 December 2026 | | 191.22 | 46.13 | 3.36 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 21 | 31 | 10 January 2027 | | 144.44 | 46.78 | 2.71 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 22 | 31 | 10 February 2027 | | 97.0 | 47.44 | 2.05 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 23 | 28 | 10 March 2027 | | 48.88 | 48.12 | 1.37 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 24 | 31 | 10 April 2027 | | 0.0 | 48.88 | 0.69 | 0.0 | 0.0 | 49.57 | 0.0 | 0.0 | 0.0 | 49.57 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 186.84 | 0.0 | 0.0 | 1187.84 | 0.0 | 0.0 | 0.0 | 1187.84 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
When Admin runs inline COB job for Loan
When Admin sets the business date to "13 April 2025"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "10 April 2025" with 130 EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 10 April 2025 | 951.51 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 | 49.49 | 49.49 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | 10 April 2025 | 902.02 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 | 49.49 | 49.49 | 0.0 | 0.0 |
| 3 | 30 | 10 July 2025 | | 852.53 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 | 31.02 | 31.02 | 0.0 | 18.47 |
| 4 | 31 | 10 August 2025 | | 852.14 | 0.39 | 49.1 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 5 | 31 | 10 September 2025 | | 814.72 | 37.42 | 12.07 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 6 | 30 | 10 October 2025 | | 776.77 | 37.95 | 11.54 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 7 | 31 | 10 November 2025 | | 738.28 | 38.49 | 11.0 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 8 | 30 | 10 December 2025 | | 699.25 | 39.03 | 10.46 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 9 | 31 | 10 January 2026 | | 659.67 | 39.58 | 9.91 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 10 | 31 | 10 February 2026 | | 619.53 | 40.14 | 9.35 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 11 | 28 | 10 March 2026 | | 578.82 | 40.71 | 8.78 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 12 | 31 | 10 April 2026 | | 537.53 | 41.29 | 8.2 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 13 | 30 | 10 May 2026 | | 495.66 | 41.87 | 7.62 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 14 | 31 | 10 June 2026 | | 453.19 | 42.47 | 7.02 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 15 | 30 | 10 July 2026 | | 410.12 | 43.07 | 6.42 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 16 | 31 | 10 August 2026 | | 366.44 | 43.68 | 5.81 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 17 | 31 | 10 September 2026 | | 322.14 | 44.3 | 5.19 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 18 | 30 | 10 October 2026 | | 277.21 | 44.93 | 4.56 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 19 | 31 | 10 November 2026 | | 231.65 | 45.56 | 3.93 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 20 | 30 | 10 December 2026 | | 185.44 | 46.21 | 3.28 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 21 | 31 | 10 January 2027 | | 138.58 | 46.86 | 2.63 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 22 | 31 | 10 February 2027 | | 91.05 | 47.53 | 1.96 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 23 | 28 | 10 March 2027 | | 42.85 | 48.2 | 1.29 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 |
| 24 | 31 | 10 April 2027 | | 0.0 | 42.85 | 0.61 | 0.0 | 0.0 | 43.46 | 0.0 | 0.0 | 0.0 | 43.46 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 180.73 | 0.0 | 0.0 | 1181.73 | 130.0 | 130.0 | 0.0 | 1051.73 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 130.0 | 130.0 | 0.0 | 0.0 | 0.0 | 871.0 | false | false |
| 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
# --- Loan reschedule: Interest rate modification effective from next day ---
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 14 April 2025 | 13 April 2025 | | | | | 38 |
When Admin sets the business date to "14 April 2025"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 10 April 2025 | 951.51 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 | 49.49 | 49.49 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | 10 April 2025 | 902.02 | 49.49 | 0.0 | 0.0 | 0.0 | 49.49 | 49.49 | 49.49 | 0.0 | 0.0 |
| 3 | 30 | 10 July 2025 | | 842.82 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 31.02 | 31.02 | 0.0 | 28.18 |
| 4 | 31 | 10 August 2025 | | 842.82 | 0.0 | 59.2 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 5 | 31 | 10 September 2025 | | 842.82 | 0.0 | 59.2 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 6 | 30 | 10 October 2025 | | 823.73 | 19.09 | 40.11 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 7 | 31 | 10 November 2025 | | 790.0 | 33.73 | 25.47 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 8 | 30 | 10 December 2025 | | 755.2 | 34.8 | 24.4 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 9 | 31 | 10 January 2026 | | 719.3 | 35.9 | 23.3 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 10 | 31 | 10 February 2026 | | 682.26 | 37.04 | 22.16 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 11 | 28 | 10 March 2026 | | 644.05 | 38.21 | 20.99 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 12 | 31 | 10 April 2026 | | 604.63 | 39.42 | 19.78 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 13 | 30 | 10 May 2026 | | 563.96 | 40.67 | 18.53 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 14 | 31 | 10 June 2026 | | 522.0 | 41.96 | 17.24 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 15 | 30 | 10 July 2026 | | 478.72 | 43.28 | 15.92 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 16 | 31 | 10 August 2026 | | 434.06 | 44.66 | 14.54 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 17 | 31 | 10 September 2026 | | 387.99 | 46.07 | 13.13 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 18 | 30 | 10 October 2026 | | 340.46 | 47.53 | 11.67 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 19 | 31 | 10 November 2026 | | 291.43 | 49.03 | 10.17 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 20 | 30 | 10 December 2026 | | 240.84 | 50.59 | 8.61 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 21 | 31 | 10 January 2027 | | 188.65 | 52.19 | 7.01 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 22 | 31 | 10 February 2027 | | 134.81 | 53.84 | 5.36 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 23 | 28 | 10 March 2027 | | 79.26 | 55.55 | 3.65 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 24 | 31 | 10 April 2027 | | 19.42 | 59.84 | 1.89 | 0.0 | 0.0 | 61.73 | 0.0 | 0.0 | 0.0 | 61.73 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 981.58 | 422.33 | 0.0 | 0.0 | 1403.91 | 130.0 | 130.0 | 0.0 | 1273.91 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 130.0 | 130.0 | 0.0 | 0.0 | 0.0 | 871.0 | false | false |
| 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "14 April 2025" with 170 EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 14 April 2025 | 943.95 | 57.05 | 2.15 | 0.0 | 0.0 | 59.2 | 59.2 | 59.2 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | 14 April 2025 | 884.75 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 59.2 | 59.2 | 0.0 | 0.0 |
| 3 | 30 | 10 July 2025 | 14 April 2025 | 825.55 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 59.2 | 59.2 | 0.0 | 0.0 |
| 4 | 31 | 10 August 2025 | 14 April 2025 | 766.35 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 59.2 | 59.2 | 0.0 | 0.0 |
| 5 | 31 | 10 September 2025 | 14 April 2025 | 707.15 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 59.2 | 59.2 | 0.0 | 0.0 |
| 6 | 30 | 10 October 2025 | | 647.95 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 4.0 | 4.0 | 0.0 | 55.2 |
| 7 | 31 | 10 November 2025 | | 647.95 | 0.0 | 59.2 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 8 | 30 | 10 December 2025 | | 647.95 | 0.0 | 59.2 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 9 | 31 | 10 January 2026 | | 647.95 | 0.0 | 59.2 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 10 | 31 | 10 February 2026 | | 623.88 | 24.07 | 35.13 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 11 | 28 | 10 March 2026 | | 584.44 | 39.44 | 19.76 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 12 | 31 | 10 April 2026 | | 543.75 | 40.69 | 18.51 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 13 | 30 | 10 May 2026 | | 501.77 | 41.98 | 17.22 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 14 | 31 | 10 June 2026 | | 458.46 | 43.31 | 15.89 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 15 | 30 | 10 July 2026 | | 413.78 | 44.68 | 14.52 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 16 | 31 | 10 August 2026 | | 367.68 | 46.1 | 13.1 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 17 | 31 | 10 September 2026 | | 320.12 | 47.56 | 11.64 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 18 | 30 | 10 October 2026 | | 271.06 | 49.06 | 10.14 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 19 | 31 | 10 November 2026 | | 220.44 | 50.62 | 8.58 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 20 | 30 | 10 December 2026 | | 168.22 | 52.22 | 6.98 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 21 | 31 | 10 January 2027 | | 114.35 | 53.87 | 5.33 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 22 | 31 | 10 February 2027 | | 58.77 | 55.58 | 3.62 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 23 | 28 | 10 March 2027 | | 1.43 | 57.34 | 1.86 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 | 0.0 | 59.2 |
| 24 | 31 | 10 April 2027 | | 0.0 | 1.43 | 0.05 | 0.0 | 0.0 | 1.48 | 0.0 | 0.0 | 0.0 | 1.48 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 362.08 | 0.0 | 0.0 | 1363.08 | 300.0 | 300.0 | 0.0 | 1063.08 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 130.0 | 130.0 | 0.0 | 0.0 | 0.0 | 871.0 | false | false |
| 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Repayment | 170.0 | 167.85 | 2.15 | 0.0 | 0.0 | 703.15 | false | false |
When Admin sets the business date to "15 April 2025"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 130.0 | 130.0 | 0.0 | 0.0 | 0.0 | 871.0 | false | false |
| 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 0.28 | 0.0 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Repayment | 170.0 | 167.85 | 2.15 | 0.0 | 0.0 | 703.15 | false | false |
| 14 April 2025 | Accrual | 0.92 | 0.0 | 0.92 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3615
Scenario: Verify early repayment on high interest loan works properly and align the interest properly while reduce interest rate with repayment undo - UC3
When Admin sets the business date to "10 April 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 10 April 2025 | 1001 | 36 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "10 April 2025" with "1001" amount and expected disbursement date on "10 April 2025"
When Admin successfully disburse the loan on "10 April 2025" with "1001" EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | | 971.92 | 29.08 | 30.03 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 2 | 31 | 10 June 2025 | | 941.97 | 29.95 | 29.16 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 3 | 30 | 10 July 2025 | | 911.12 | 30.85 | 28.26 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 4 | 31 | 10 August 2025 | | 879.34 | 31.78 | 27.33 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 5 | 31 | 10 September 2025 | | 846.61 | 32.73 | 26.38 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 6 | 30 | 10 October 2025 | | 812.9 | 33.71 | 25.4 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 7 | 31 | 10 November 2025 | | 778.18 | 34.72 | 24.39 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 8 | 30 | 10 December 2025 | | 742.42 | 35.76 | 23.35 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 9 | 31 | 10 January 2026 | | 705.58 | 36.84 | 22.27 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 10 | 31 | 10 February 2026 | | 667.64 | 37.94 | 21.17 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 11 | 28 | 10 March 2026 | | 628.56 | 39.08 | 20.03 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 12 | 31 | 10 April 2026 | | 588.31 | 40.25 | 18.86 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 13 | 30 | 10 May 2026 | | 546.85 | 41.46 | 17.65 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 14 | 31 | 10 June 2026 | | 504.15 | 42.7 | 16.41 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 15 | 30 | 10 July 2026 | | 460.16 | 43.99 | 15.12 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 16 | 31 | 10 August 2026 | | 414.85 | 45.31 | 13.8 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 17 | 31 | 10 September 2026 | | 368.19 | 46.66 | 12.45 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 18 | 30 | 10 October 2026 | | 320.13 | 48.06 | 11.05 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 19 | 31 | 10 November 2026 | | 270.62 | 49.51 | 9.6 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 20 | 30 | 10 December 2026 | | 219.63 | 50.99 | 8.12 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 21 | 31 | 10 January 2027 | | 167.11 | 52.52 | 6.59 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 22 | 31 | 10 February 2027 | | 113.01 | 54.1 | 5.01 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 23 | 28 | 10 March 2027 | | 57.29 | 55.72 | 3.39 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 24 | 31 | 10 April 2027 | | 0.0 | 57.29 | 1.72 | 0.0 | 0.0 | 59.01 | 0.0 | 0.0 | 0.0 | 59.01 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 417.54 | 0.0 | 0.0 | 1418.54 | 0.0 | 0.0 | 0.0 | 1418.54 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
When Admin runs inline COB job for Loan
When Admin sets the business date to "13 April 2025"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "10 April 2025" with 150 EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 10 April 2025 | 941.89 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 | 59.11 | 59.11 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | 10 April 2025 | 882.78 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 | 59.11 | 59.11 | 0.0 | 0.0 |
| 3 | 30 | 10 July 2025 | | 823.67 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 | 31.78 | 31.78 | 0.0 | 27.33 |
| 4 | 31 | 10 August 2025 | | 823.67 | 0.0 | 59.11 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 5 | 31 | 10 September 2025 | | 823.67 | 0.0 | 59.11 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 6 | 30 | 10 October 2025 | | 797.06 | 26.61 | 32.5 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 7 | 31 | 10 November 2025 | | 761.86 | 35.2 | 23.91 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 8 | 30 | 10 December 2025 | | 725.61 | 36.25 | 22.86 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 9 | 31 | 10 January 2026 | | 688.27 | 37.34 | 21.77 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 10 | 31 | 10 February 2026 | | 649.81 | 38.46 | 20.65 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 11 | 28 | 10 March 2026 | | 610.19 | 39.62 | 19.49 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 12 | 31 | 10 April 2026 | | 569.39 | 40.8 | 18.31 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 13 | 30 | 10 May 2026 | | 527.36 | 42.03 | 17.08 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 14 | 31 | 10 June 2026 | | 484.07 | 43.29 | 15.82 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 15 | 30 | 10 July 2026 | | 439.48 | 44.59 | 14.52 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 16 | 31 | 10 August 2026 | | 393.55 | 45.93 | 13.18 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 17 | 31 | 10 September 2026 | | 346.25 | 47.3 | 11.81 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 18 | 30 | 10 October 2026 | | 297.53 | 48.72 | 10.39 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 19 | 31 | 10 November 2026 | | 247.35 | 50.18 | 8.93 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 20 | 30 | 10 December 2026 | | 195.66 | 51.69 | 7.42 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 21 | 31 | 10 January 2027 | | 142.42 | 53.24 | 5.87 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 22 | 31 | 10 February 2027 | | 87.58 | 54.84 | 4.27 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 23 | 28 | 10 March 2027 | | 31.1 | 56.48 | 2.63 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 | 0.0 | 59.11 |
| 24 | 31 | 10 April 2027 | | 0.0 | 31.1 | 0.93 | 0.0 | 0.0 | 32.03 | 0.0 | 0.0 | 0.0 | 32.03 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 390.56 | 0.0 | 0.0 | 1391.56 | 150.0 | 150.0 | 0.0 | 1241.56 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 851.0 | false | false |
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
When Customer undo "1"th "Repayment" transaction made on "10 April 2025"
# --- Loan reschedule: Interest rate modification effective from next day ---
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 14 April 2025 | 13 April 2025 | | | | | 12 |
When Admin sets the business date to "14 April 2025"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | | 965.8 | 35.2 | 12.01 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 2 | 31 | 10 June 2025 | | 928.25 | 37.55 | 9.66 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 3 | 30 | 10 July 2025 | | 890.32 | 37.93 | 9.28 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 4 | 31 | 10 August 2025 | | 852.01 | 38.31 | 8.9 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 5 | 31 | 10 September 2025 | | 813.32 | 38.69 | 8.52 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 6 | 30 | 10 October 2025 | | 774.24 | 39.08 | 8.13 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 7 | 31 | 10 November 2025 | | 734.77 | 39.47 | 7.74 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 8 | 30 | 10 December 2025 | | 694.91 | 39.86 | 7.35 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 9 | 31 | 10 January 2026 | | 654.65 | 40.26 | 6.95 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 10 | 31 | 10 February 2026 | | 613.99 | 40.66 | 6.55 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 11 | 28 | 10 March 2026 | | 572.92 | 41.07 | 6.14 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 12 | 31 | 10 April 2026 | | 531.44 | 41.48 | 5.73 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 13 | 30 | 10 May 2026 | | 489.54 | 41.9 | 5.31 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 14 | 31 | 10 June 2026 | | 447.23 | 42.31 | 4.9 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 15 | 30 | 10 July 2026 | | 404.49 | 42.74 | 4.47 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 16 | 31 | 10 August 2026 | | 361.32 | 43.17 | 4.04 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 17 | 31 | 10 September 2026 | | 317.72 | 43.6 | 3.61 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 18 | 30 | 10 October 2026 | | 273.69 | 44.03 | 3.18 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 19 | 31 | 10 November 2026 | | 229.22 | 44.47 | 2.74 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 20 | 30 | 10 December 2026 | | 184.3 | 44.92 | 2.29 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 21 | 31 | 10 January 2027 | | 138.93 | 45.37 | 1.84 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 22 | 31 | 10 February 2027 | | 93.11 | 45.82 | 1.39 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 23 | 28 | 10 March 2027 | | 46.83 | 46.28 | 0.93 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 24 | 31 | 10 April 2027 | | 0.0 | 46.83 | 0.47 | 0.0 | 0.0 | 47.3 | 0.0 | 0.0 | 0.0 | 47.3 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 132.13 | 0.0 | 0.0 | 1133.13 | 0.0 | 0.0 | 0.0 | 1133.13 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 851.0 | true | false |
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "14 April 2025" with 120 EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 14 April 2025 | 957.13 | 43.87 | 3.34 | 0.0 | 0.0 | 47.21 | 47.21 | 47.21 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | 14 April 2025 | 909.92 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 | 47.21 | 47.21 | 0.0 | 0.0 |
| 3 | 30 | 10 July 2025 | | 862.71 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 | 25.58 | 25.58 | 0.0 | 21.63 |
| 4 | 31 | 10 August 2025 | | 849.47 | 13.24 | 33.97 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 5 | 31 | 10 September 2025 | | 810.75 | 38.72 | 8.49 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 6 | 30 | 10 October 2025 | | 771.65 | 39.1 | 8.11 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 7 | 31 | 10 November 2025 | | 732.16 | 39.49 | 7.72 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 8 | 30 | 10 December 2025 | | 692.27 | 39.89 | 7.32 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 9 | 31 | 10 January 2026 | | 651.98 | 40.29 | 6.92 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 10 | 31 | 10 February 2026 | | 611.29 | 40.69 | 6.52 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 11 | 28 | 10 March 2026 | | 570.19 | 41.1 | 6.11 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 12 | 31 | 10 April 2026 | | 528.68 | 41.51 | 5.7 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 13 | 30 | 10 May 2026 | | 486.76 | 41.92 | 5.29 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 14 | 31 | 10 June 2026 | | 444.42 | 42.34 | 4.87 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 15 | 30 | 10 July 2026 | | 401.65 | 42.77 | 4.44 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 16 | 31 | 10 August 2026 | | 358.46 | 43.19 | 4.02 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 17 | 31 | 10 September 2026 | | 314.83 | 43.63 | 3.58 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 18 | 30 | 10 October 2026 | | 270.77 | 44.06 | 3.15 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 19 | 31 | 10 November 2026 | | 226.27 | 44.5 | 2.71 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 20 | 30 | 10 December 2026 | | 181.32 | 44.95 | 2.26 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 21 | 31 | 10 January 2027 | | 135.92 | 45.4 | 1.81 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 22 | 31 | 10 February 2027 | | 90.07 | 45.85 | 1.36 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 23 | 28 | 10 March 2027 | | 43.76 | 46.31 | 0.9 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 | 0.0 | 47.21 |
| 24 | 31 | 10 April 2027 | | 0.0 | 43.76 | 0.44 | 0.0 | 0.0 | 44.2 | 0.0 | 0.0 | 0.0 | 44.2 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 129.03 | 0.0 | 0.0 | 1130.03 | 120.0 | 120.0 | 0.0 | 1010.03 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 851.0 | true | false |
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Repayment | 120.0 | 116.66 | 3.34 | 0.0 | 0.0 | 884.34 | false | false |
When Admin sets the business date to "15 April 2025"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 10 April 2025 | Repayment | 150.0 | 150.0 | 0.0 | 0.0 | 0.0 | 851.0 | true | false |
| 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual | 1.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Repayment | 120.0 | 116.66 | 3.34 | 0.0 | 0.0 | 884.34 | false | false |
| 14 April 2025 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3616
Scenario: Verify early repayment on high interest loan works properly and align the interest properly with charge trans and charge-off transactions - UC4
When Admin sets the business date to "10 April 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 10 April 2025 | 1001 | 33 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "10 April 2025" with "1001" amount and expected disbursement date on "10 April 2025"
When Admin successfully disburse the loan on "10 April 2025" with "1001" EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | | 971.0 | 30.0 | 27.53 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 2 | 31 | 10 June 2025 | | 940.17 | 30.83 | 26.7 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 3 | 30 | 10 July 2025 | | 908.49 | 31.68 | 25.85 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 4 | 31 | 10 August 2025 | | 875.94 | 32.55 | 24.98 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 5 | 31 | 10 September 2025 | | 842.5 | 33.44 | 24.09 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 6 | 30 | 10 October 2025 | | 808.14 | 34.36 | 23.17 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 7 | 31 | 10 November 2025 | | 772.83 | 35.31 | 22.22 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 8 | 30 | 10 December 2025 | | 736.55 | 36.28 | 21.25 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 9 | 31 | 10 January 2026 | | 699.28 | 37.27 | 20.26 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 10 | 31 | 10 February 2026 | | 660.98 | 38.3 | 19.23 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 11 | 28 | 10 March 2026 | | 621.63 | 39.35 | 18.18 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 12 | 31 | 10 April 2026 | | 581.19 | 40.44 | 17.09 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 13 | 30 | 10 May 2026 | | 539.64 | 41.55 | 15.98 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 14 | 31 | 10 June 2026 | | 496.95 | 42.69 | 14.84 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 15 | 30 | 10 July 2026 | | 453.09 | 43.86 | 13.67 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 16 | 31 | 10 August 2026 | | 408.02 | 45.07 | 12.46 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 17 | 31 | 10 September 2026 | | 361.71 | 46.31 | 11.22 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 18 | 30 | 10 October 2026 | | 314.13 | 47.58 | 9.95 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 19 | 31 | 10 November 2026 | | 265.24 | 48.89 | 8.64 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 20 | 30 | 10 December 2026 | | 215.0 | 50.24 | 7.29 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 21 | 31 | 10 January 2027 | | 163.38 | 51.62 | 5.91 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 22 | 31 | 10 February 2027 | | 110.34 | 53.04 | 4.49 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 23 | 28 | 10 March 2027 | | 55.84 | 54.5 | 3.03 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 24 | 31 | 10 April 2027 | | 0.0 | 55.84 | 1.54 | 0.0 | 0.0 | 57.38 | 0.0 | 0.0 | 0.0 | 57.38 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 379.57 | 0.0 | 0.0 | 1380.57 | 0.0 | 0.0 | 0.0 | 1380.57 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
When Admin runs inline COB job for Loan
When Admin sets the business date to "13 April 2025"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 0.92 | 0.0 | 0.92 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.92 | 0.0 | 0.92 | 0.0 | 0.0 | 0.0 | false | false |
And Admin adds "LOAN_NSF_FEE" due date charge with "13 April 2025" due date and 115 EUR transaction amount
And Admin waives due date charge
And Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 13 April 2025 | Flat | 115.0 | 0.0 | 115.0 | 0.0 |
And Admin does charge-off the loan on "13 April 2025"
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | | 971.0 | 30.0 | 27.53 | 0.0 | 115.0 | 172.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 2 | 31 | 10 June 2025 | | 940.17 | 30.83 | 26.7 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 3 | 30 | 10 July 2025 | | 908.49 | 31.68 | 25.85 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 4 | 31 | 10 August 2025 | | 875.94 | 32.55 | 24.98 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 5 | 31 | 10 September 2025 | | 842.5 | 33.44 | 24.09 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 6 | 30 | 10 October 2025 | | 808.14 | 34.36 | 23.17 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 7 | 31 | 10 November 2025 | | 772.83 | 35.31 | 22.22 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 8 | 30 | 10 December 2025 | | 736.55 | 36.28 | 21.25 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 9 | 31 | 10 January 2026 | | 699.28 | 37.27 | 20.26 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 10 | 31 | 10 February 2026 | | 660.98 | 38.3 | 19.23 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 11 | 28 | 10 March 2026 | | 621.63 | 39.35 | 18.18 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 12 | 31 | 10 April 2026 | | 581.19 | 40.44 | 17.09 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 13 | 30 | 10 May 2026 | | 539.64 | 41.55 | 15.98 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 14 | 31 | 10 June 2026 | | 496.95 | 42.69 | 14.84 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 15 | 30 | 10 July 2026 | | 453.09 | 43.86 | 13.67 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 16 | 31 | 10 August 2026 | | 408.02 | 45.07 | 12.46 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 17 | 31 | 10 September 2026 | | 361.71 | 46.31 | 11.22 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 18 | 30 | 10 October 2026 | | 314.13 | 47.58 | 9.95 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 19 | 31 | 10 November 2026 | | 265.24 | 48.89 | 8.64 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 20 | 30 | 10 December 2026 | | 215.0 | 50.24 | 7.29 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 21 | 31 | 10 January 2027 | | 163.38 | 51.62 | 5.91 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 22 | 31 | 10 February 2027 | | 110.34 | 53.04 | 4.49 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 23 | 28 | 10 March 2027 | | 55.84 | 54.5 | 3.03 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 24 | 31 | 10 April 2027 | | 0.0 | 55.84 | 1.54 | 0.0 | 0.0 | 57.38 | 0.0 | 0.0 | 0.0 | 57.38 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 379.57 | 0.0 | 115.0 | 1495.57 | 0.0 | 0.0 | 0.0 | 1380.57 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 0.92 | 0.0 | 0.92 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.92 | 0.0 | 0.92 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Waive loan charges | 115.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 13 April 2025 | Accrual | 0.91 | 0.0 | 0.91 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Charge-off | 1380.57 | 1001.0 | 379.57 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "14 April 2025"
When Admin runs inline COB job for Loan
And Customer makes "AUTOPAY" repayment on "12 April 2025" with 250 EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 12 April 2025 | 945.31 | 55.69 | 1.84 | 0.0 | 115.0 | 172.53 | 57.53 | 57.53 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | 12 April 2025 | 887.78 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 | 57.53 | 57.53 | 0.0 | 0.0 |
| 3 | 30 | 10 July 2025 | 12 April 2025 | 830.25 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 | 57.53 | 57.53 | 0.0 | 0.0 |
| 4 | 31 | 10 August 2025 | 12 April 2025 | 772.72 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 | 57.53 | 57.53 | 0.0 | 0.0 |
| 5 | 31 | 10 September 2025 | | 715.19 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 | 19.88 | 19.88 | 0.0 | 37.65 |
| 6 | 30 | 10 October 2025 | | 715.19 | 0.0 | 57.53 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 7 | 31 | 10 November 2025 | | 715.19 | 0.0 | 57.53 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 8 | 30 | 10 December 2025 | | 703.73 | 11.46 | 46.07 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 9 | 31 | 10 January 2026 | | 665.55 | 38.18 | 19.35 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 10 | 31 | 10 February 2026 | | 626.32 | 39.23 | 18.3 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 11 | 28 | 10 March 2026 | | 586.01 | 40.31 | 17.22 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 12 | 31 | 10 April 2026 | | 544.6 | 41.41 | 16.12 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 13 | 30 | 10 May 2026 | | 502.05 | 42.55 | 14.98 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 14 | 31 | 10 June 2026 | | 458.33 | 43.72 | 13.81 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 15 | 30 | 10 July 2026 | | 413.4 | 44.93 | 12.6 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 16 | 31 | 10 August 2026 | | 367.24 | 46.16 | 11.37 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 17 | 31 | 10 September 2026 | | 319.81 | 47.43 | 10.1 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 18 | 30 | 10 October 2026 | | 271.07 | 48.74 | 8.79 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 19 | 31 | 10 November 2026 | | 220.99 | 50.08 | 7.45 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 20 | 30 | 10 December 2026 | | 169.54 | 51.45 | 6.08 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 21 | 31 | 10 January 2027 | | 116.67 | 52.87 | 4.66 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 22 | 31 | 10 February 2027 | | 62.35 | 54.32 | 3.21 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 23 | 28 | 10 March 2027 | | 6.53 | 55.82 | 1.71 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 | 0.0 | 57.53 |
| 24 | 31 | 10 April 2027 | | 0.0 | 6.53 | 0.18 | 0.0 | 0.0 | 6.71 | 0.0 | 0.0 | 0.0 | 6.71 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 328.9 | 0.0 | 115.0 | 1444.9 | 250.0 | 250.0 | 0.0 | 1079.9 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 0.92 | 0.0 | 0.92 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 0.92 | 0.0 | 0.92 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Repayment | 250.0 | 248.16 | 1.84 | 0.0 | 0.0 | 752.84 | false | false |
| 13 April 2025 | Waive loan charges | 115.0 | 0.0 | 0.0 | 0.0 | 0.0 | 752.84 | false | false |
| 13 April 2025 | Accrual | 0.91 | 0.0 | 0.91 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Accrual Adjustment | 0.22 | 0.0 | 0.22 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Charge-off | 1079.9 | 752.84 | 327.06 | 0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3617
Scenario: Verify early repayment on high interest loan works properly and align the interest properly with MIR and no interest recalculation - UC5
When Admin sets the business date to "10 April 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_ACTUAL | 10 April 2025 | 1001 | 40 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "10 April 2025" with "1001" amount and expected disbursement date on "10 April 2025"
When Admin successfully disburse the loan on "10 April 2025" with "1001" EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | | 972.79 | 28.21 | 33.37 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 2 | 31 | 10 June 2025 | | 944.72 | 28.07 | 33.51 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 3 | 30 | 10 July 2025 | | 914.63 | 30.09 | 31.49 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 4 | 31 | 10 August 2025 | | 884.55 | 30.08 | 31.5 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 5 | 31 | 10 September 2025 | | 853.44 | 31.11 | 30.47 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 6 | 30 | 10 October 2025 | | 820.31 | 33.13 | 28.45 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 7 | 31 | 10 November 2025 | | 786.99 | 33.32 | 28.26 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 8 | 30 | 10 December 2025 | | 751.64 | 35.35 | 26.23 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 9 | 31 | 10 January 2026 | | 715.95 | 35.69 | 25.89 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 10 | 31 | 10 February 2026 | | 679.03 | 36.92 | 24.66 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 11 | 28 | 10 March 2026 | | 638.58 | 40.45 | 21.13 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 12 | 31 | 10 April 2026 | | 599.0 | 39.58 | 22.0 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 13 | 30 | 10 May 2026 | | 557.39 | 41.61 | 19.97 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 14 | 31 | 10 June 2026 | | 515.01 | 42.38 | 19.2 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 15 | 30 | 10 July 2026 | | 470.6 | 44.41 | 17.17 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 16 | 31 | 10 August 2026 | | 425.23 | 45.37 | 16.21 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 17 | 31 | 10 September 2026 | | 378.3 | 46.93 | 14.65 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 18 | 30 | 10 October 2026 | | 329.33 | 48.97 | 12.61 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 19 | 31 | 10 November 2026 | | 279.09 | 50.24 | 11.34 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 20 | 30 | 10 December 2026 | | 226.81 | 52.28 | 9.3 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 21 | 31 | 10 January 2027 | | 173.04 | 53.77 | 7.81 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 22 | 31 | 10 February 2027 | | 117.42 | 55.62 | 5.96 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 23 | 28 | 10 March 2027 | | 59.49 | 57.93 | 3.65 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 24 | 31 | 10 April 2027 | | 0.0 | 59.49 | 2.05 | 0.0 | 0.0 | 61.54 | 0.0 | 0.0 | 0.0 | 61.54 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 476.88 | 0.0 | 0.0 | 1477.88 | 0.0 | 0.0 | 0.0 | 1477.88 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
When Admin runs inline COB job for Loan
When Admin sets the business date to "13 April 2025"
When Admin runs inline COB job for Loan
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 1.11 | 0.0 | 1.11 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.11 | 0.0 | 1.11 | 0.0 | 0.0 | 0.0 | false | false |
And Customer makes "AUTOPAY" repayment on "13 April 2025" with 300 EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 13 April 2025 | 972.79 | 28.21 | 33.37 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | 13 April 2025 | 944.72 | 28.07 | 33.51 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 | 0.0 | 0.0 |
| 3 | 30 | 10 July 2025 | 13 April 2025 | 914.63 | 30.09 | 31.49 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 | 0.0 | 0.0 |
| 4 | 31 | 10 August 2025 | 13 April 2025 | 884.55 | 30.08 | 31.5 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 | 0.0 | 0.0 |
| 5 | 31 | 10 September 2025 | | 853.44 | 31.11 | 30.47 | 0.0 | 0.0 | 61.58 | 53.68 | 53.68 | 0.0 | 7.9 |
| 6 | 30 | 10 October 2025 | | 820.31 | 33.13 | 28.45 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 7 | 31 | 10 November 2025 | | 786.99 | 33.32 | 28.26 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 8 | 30 | 10 December 2025 | | 751.64 | 35.35 | 26.23 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 9 | 31 | 10 January 2026 | | 715.95 | 35.69 | 25.89 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 10 | 31 | 10 February 2026 | | 679.03 | 36.92 | 24.66 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 11 | 28 | 10 March 2026 | | 638.58 | 40.45 | 21.13 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 12 | 31 | 10 April 2026 | | 599.0 | 39.58 | 22.0 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 13 | 30 | 10 May 2026 | | 557.39 | 41.61 | 19.97 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 14 | 31 | 10 June 2026 | | 515.01 | 42.38 | 19.2 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 15 | 30 | 10 July 2026 | | 470.6 | 44.41 | 17.17 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 16 | 31 | 10 August 2026 | | 425.23 | 45.37 | 16.21 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 17 | 31 | 10 September 2026 | | 378.3 | 46.93 | 14.65 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 18 | 30 | 10 October 2026 | | 329.33 | 48.97 | 12.61 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 19 | 31 | 10 November 2026 | | 279.09 | 50.24 | 11.34 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 20 | 30 | 10 December 2026 | | 226.81 | 52.28 | 9.3 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 21 | 31 | 10 January 2027 | | 173.04 | 53.77 | 7.81 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 22 | 31 | 10 February 2027 | | 117.42 | 55.62 | 5.96 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 23 | 28 | 10 March 2027 | | 59.49 | 57.93 | 3.65 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 | 0.0 | 61.58 |
| 24 | 31 | 10 April 2027 | | 0.0 | 59.49 | 2.05 | 0.0 | 0.0 | 61.54 | 0.0 | 0.0 | 0.0 | 61.54 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 476.88 | 0.0 | 0.0 | 1477.88 | 300.0 | 300.0 | 0.0 | 1177.88 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 1.11 | 0.0 | 1.11 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.11 | 0.0 | 1.11 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Repayment | 300.0 | 147.56 | 152.44 | 0.0 | 0.0 | 853.44 | false | false |
When Admin sets the business date to "14 April 2025"
When Admin runs inline COB job for Loan
When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "14 April 2025" with 100 EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 10 April 2025 | | 1001.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 10 May 2025 | 13 April 2025 | 972.79 | 28.21 | 33.37 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 | 0.0 | 0.0 |
| 2 | 31 | 10 June 2025 | 13 April 2025 | 944.72 | 28.07 | 33.51 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 | 0.0 | 0.0 |
| 3 | 30 | 10 July 2025 | 13 April 2025 | 914.63 | 30.09 | 31.49 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 | 0.0 | 0.0 |
| 4 | 31 | 10 August 2025 | 13 April 2025 | 884.55 | 30.08 | 31.5 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 | 0.0 | 0.0 |
| 5 | 31 | 10 September 2025 | | 853.44 | 31.11 | 30.47 | 0.0 | 0.0 | 61.58 | 53.93 | 53.93 | 0.0 | 7.65 |
| 6 | 30 | 10 October 2025 | | 820.31 | 33.13 | 28.45 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 7 | 31 | 10 November 2025 | | 786.99 | 33.32 | 28.26 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 8 | 30 | 10 December 2025 | | 751.64 | 35.35 | 26.23 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 9 | 31 | 10 January 2026 | | 715.95 | 35.69 | 25.89 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 10 | 31 | 10 February 2026 | | 679.03 | 36.92 | 24.66 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 11 | 28 | 10 March 2026 | | 638.58 | 40.45 | 21.13 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 12 | 31 | 10 April 2026 | | 599.0 | 39.58 | 22.0 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 13 | 30 | 10 May 2026 | | 557.39 | 41.61 | 19.97 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 14 | 31 | 10 June 2026 | | 515.01 | 42.38 | 19.2 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 15 | 30 | 10 July 2026 | | 470.6 | 44.41 | 17.17 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 16 | 31 | 10 August 2026 | | 425.23 | 45.37 | 16.21 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 17 | 31 | 10 September 2026 | | 378.3 | 46.93 | 14.65 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 18 | 30 | 10 October 2026 | | 329.33 | 48.97 | 12.61 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 19 | 31 | 10 November 2026 | | 279.09 | 50.24 | 11.34 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 20 | 30 | 10 December 2026 | | 226.81 | 52.28 | 9.3 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 21 | 31 | 10 January 2027 | | 173.04 | 53.77 | 7.81 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 22 | 31 | 10 February 2027 | | 117.42 | 55.62 | 5.96 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 23 | 28 | 10 March 2027 | | 59.49 | 57.93 | 3.65 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 | 0.0 | 56.33 |
| 24 | 31 | 10 April 2027 | | 0.0 | 59.49 | 2.05 | 0.0 | 0.0 | 61.54 | 5.25 | 5.25 | 0.0 | 56.29 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 476.88 | 0.0 | 0.0 | 1477.88 | 400.0 | 400.0 | 0.0 | 1077.88 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1001.0 | false | false |
| 11 April 2025 | Accrual | 1.11 | 0.0 | 1.11 | 0.0 | 0.0 | 0.0 | false | false |
| 12 April 2025 | Accrual | 1.11 | 0.0 | 1.11 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Repayment | 300.0 | 147.56 | 152.44 | 0.0 | 0.0 | 853.44 | false | false |
| 13 April 2025 | Accrual | 1.12 | 0.0 | 1.12 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Merchant Issued Refund | 100.0 | 95.0 | 5.0 | 0.0 | 0.0 | 758.44 | false | false |
@TestRailId:C3590
Scenario: Verify no accrual activity created for approved interest bearing loan
When Admin sets the business date to "03 June 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_INTEREST_RECALCULATION | 03 June 2025 | 200 | 15 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 1 | MONTHS | 1 | MONTHS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "03 June 2025" with "200" amount and expected disbursement date on "03 June 2025"
And Admin runs inline COB job for Loan
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 03 June 2025 | | 200.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 30 | 03 July 2025 | | 0.0 | 200.0 | 2.47 | 0.0 | 0.0 | 202.47 | 0.0 | 0.0 | 0.0 | 202.47 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 200.0 | 2.47 | 0.0 | 0.0 | 202.47 | 0.0 | 0.0 | 0.0 | 202.47 |
When Admin successfully disburse the loan on "03 June 2025" with "200" EUR transaction amount
And Admin sets the business date to "18 June 2025"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "18 June 2025" with 50 EUR transaction amount and self-generated Idempotency key
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 03 June 2025 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 03 July 2025 | | 0.0 | 200.0 | 2.16 | 0.0 | 0.0 | 202.16 | 50.31 | 50.31 | 0.0 | 151.85 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 200.0 | 2.16 | 0.0 | 0.0 | 202.16 | 50.31 | 50.31 | 0.0 | 151.85 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 03 June 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false |
| 18 June 2025 | Merchant Issued Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 150.0 | false |
| 18 June 2025 | Interest Refund | 0.31 | 0.31 | 0.0 | 0.0 | 0.0 | 149.69 | false |
@TestRailId:C3666
Scenario: Verify the next/last installment payment allocation in case the repayment is before the installment date
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_LAST_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "15 January 2024"
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 10 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.54 | 16.46 | 0.55 | 0.0 | 0.0 | 17.01 | 10.0 | 10.0 | 0.0 | 7.01 |
| 2 | 29 | 01 March 2024 | | 67.02 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.4 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.68 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.87 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.87 | 0.1 | 0.0 | 0.0 | 16.97 | 0.0 | 0.0 | 0.0 | 16.97 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.02 | 0.0 | 0.0 | 102.02 | 10.0 | 10.0 | 0.0 | 92.02 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 10.0 | 9.74 | 0.26 | 0.0 | 0.0 | 90.26 | false | false |
When Admin sets the business date to "15 February 2024"
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 30 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 15 February 2024 | 83.54 | 16.46 | 0.55 | 0.0 | 0.0 | 17.01 | 17.01 | 10.0 | 7.01 | 0.0 |
| 2 | 29 | 01 March 2024 | 15 February 2024 | 66.78 | 16.76 | 0.25 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.31 | 16.47 | 0.54 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.56 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.71 | 16.85 | 0.16 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.71 | 0.06 | 0.0 | 0.0 | 16.77 | 5.98 | 5.98 | 0.0 | 10.79 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.82 | 0.0 | 0.0 | 101.82 | 40.0 | 32.99 | 7.01 | 61.82 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 15 January 2024 | Repayment | 10.0 | 9.74 | 0.26 | 0.0 | 0.0 | 90.26 | false | false |
| 15 February 2024 | Repayment | 30.0 | 29.46 | 0.54 | 0.0 | 0.0 | 60.8 | false | false |
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C3667
Scenario: Verify the next/last installment payment allocation in case the repayment is on the installment date, amount should go first to the next installment and only then to the last
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_LAST_INSTALLMENT" future installment allocation rule
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 40 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 February 2024 | 66.56 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.25 | 16.31 | 0.7 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.5 | 16.75 | 0.26 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.65 | 16.85 | 0.16 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.65 | 0.06 | 0.0 | 0.0 | 16.71 | 5.98 | 5.98 | 0.0 | 10.73 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.76 | 0.0 | 0.0 | 101.76 | 40.0 | 22.99 | 0.0 | 61.76 |
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 | 40.0 | 39.42 | 0.58 | 0.0 | 0.0 | 60.58 | false | false |
When Admin set "LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C3840
Scenario: Verify progressive loan repayment reversals with penalty charge and backdated repayment
When Admin sets the business date to "20 October 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_NO_INTEREST_RECALCULATION_ALLOCATION_PENALTY_FIRST | 20 October 2024 | 100 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "20 October 2024" with "100" amount and expected disbursement date on "20 October 2024"
And Admin successfully disburse the loan on "20 October 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
When Admin sets the business date to "22 October 2024"
And Customer makes "AUTOPAY" repayment on "22 October 2024" with 100 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | 22 October 2024 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 100.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 20 October 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 22 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
When Admin sets the business date to "24 October 2024"
And Customer makes a repayment undo on "22 October 2024"
Then Loan status will be "ACTIVE"
And Loan has 100 outstanding amount
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 20 October 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 22 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
When Admin sets the business date to "26 October 2024"
And Customer makes "AUTOPAY" repayment on "26 October 2024" with 100 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | 26 October 2024 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 100.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 20 October 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 22 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
| 26 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "28 October 2024"
And Customer makes a repayment undo on "26 October 2024"
Then Loan status will be "ACTIVE"
And Loan has 100 outstanding amount
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
When Admin adds "LOAN_NSF_FEE" due date charge with "28 October 2024" due date and 10 EUR transaction amount
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 10.0 | 110.0 | 0.0 | 0.0 | 0.0 | 110.0 |
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 | 10.0 | 110.0 | 0.0 | 0.0 | 0.0 | 110.0 |
And Customer makes "AUTOPAY" repayment on "26 October 2024" with 101 EUR transaction amount
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 10.0 | 110.0 | 101.0 | 101.0 | 0.0 | 9.0 |
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 | 10.0 | 110.0 | 101.0 | 101.0 | 0.0 | 9.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 20 October 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 22 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
| 26 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | true | false |
| 26 October 2024 | Repayment | 101.0 | 100.0 | 0.0 | 0.0 | 1.0 | 0.0 | false | false |
When Customer makes "AUTOPAY" repayment on "27 October 2024" with 9 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
@TestRailId:C3841
Scenario: Verify backdated repayment allocation respects payment order for future dated penalties
When Admin sets the business date to "20 October 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_NO_INTEREST_RECALCULATION_ALLOCATION_PENALTY_FIRST | 20 October 2024 | 100 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 30 | DAYS | 30 | DAYS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "20 October 2024" with "100" amount and expected disbursement date on "20 October 2024"
And Admin successfully disburse the loan on "20 October 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 20 October 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
# Step 2: First repayment on 22 October
When Admin sets the business date to "22 October 2024"
And Customer makes "AUTOPAY" repayment on "22 October 2024" with 100 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | 22 October 2024 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 100.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 20 October 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 22 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
# Step 3: First repayment reversal on 24 October
When Admin sets the business date to "24 October 2024"
And Customer makes a repayment undo on "22 October 2024"
Then Loan status will be "ACTIVE"
And Loan has 100 outstanding amount
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 20 October 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 22 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
# Step 4: Second repayment on 26 October
When Admin sets the business date to "26 October 2024"
And Customer makes "AUTOPAY" repayment on "26 October 2024" with 100 EUR transaction amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | 26 October 2024 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 100.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 20 October 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 22 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 26 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
# Step 5: Second repayment reversal on 28 October
When Admin sets the business date to "28 October 2024"
And Customer makes a repayment undo on "26 October 2024"
Then Loan status will be "ACTIVE"
And Loan has 100 outstanding amount
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 20 October 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 22 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 26 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
# Step 6: Add penalty charge on 28 October
When Admin adds "LOAN_NSF_FEE" due date charge with "28 October 2024" due date and 10 EUR transaction amount
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 10.0 | 110.0 | 0.0 | 0.0 | 0.0 | 110.0 |
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 | 10.0 | 110.0 | 0.0 | 0.0 | 0.0 | 110.0 |
# Step 7: Backdated repayment on 26 October (while business date is 28 October)
And Customer makes "AUTOPAY" repayment on "26 October 2024" with 101 EUR transaction amount
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 20 October 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 19 November 2024 | | 0.0 | 100.0 | 0.0 | 0.0 | 10.0 | 110.0 | 101.0 | 101.0 | 0.0 | 9.0 |
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 | 10.0 | 110.0 | 101.0 | 101.0 | 0.0 | 9.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 20 October 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false |
| 22 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 26 October 2024 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | true |
| 26 October 2024 | Repayment | 101.0 | 100.0 | 0.0 | 0.0 | 1.0 | 0.0 | false |
@TestRailId:C4053
Scenario: Verify repayment reversal after full repayment of principal and fee
When Admin sets the business date to "16 May 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 16 May 2025 | 186.99 | 11.3043 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "16 May 2025" with "186.99" amount and expected disbursement date on "16 May 2025"
When Admin successfully disburse the loan on "16 May 2025" with "186.99" EUR transaction amount
When Admin sets the business date to "16 August 2025"
And Customer makes "AUTOPAY" repayment on "16 August 2025" with 192.27 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 |
| | | 16 May 2025 | | 186.99 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 16 June 2025 | 16 August 2025 | 125.24 | 61.75 | 1.76 | 0.0 | 0.0 | 63.51 | 63.51 | 0.0 | 63.51 | 0.0 |
| 2 | 30 | 16 July 2025 | 16 August 2025 | 63.49 | 61.75 | 1.76 | 0.0 | 0.0 | 63.51 | 63.51 | 0.0 | 63.51 | 0.0 |
| 3 | 31 | 16 August 2025 | 16 August 2025 | 0.0 | 63.49 | 1.76 | 0.0 | 0.0 | 65.25 | 65.25 | 0.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 186.99 | 5.28 | 0.0 | 0.0 | 192.27 | 192.27 | 0.0 | 127.02 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 May 2025 | Disbursement | 186.99 | 0.0 | 0.0 | 0.0 | 0.0 | 186.99 | false | false |
| 16 June 2025 | Accrual Activity | 1.76 | 0.0 | 1.76 | 0.0 | 0.0 | 0.0 | false | false |
| 16 July 2025 | Accrual Activity | 1.76 | 0.0 | 1.76 | 0.0 | 0.0 | 0.0 | false | false |
| 16 August 2025 | Repayment | 192.27 | 186.99 | 5.28 | 0.0 | 0.0 | 0.0 | false | false |
| 16 August 2025 | Accrual | 5.28 | 0.0 | 5.28 | 0.0 | 0.0 | 0.0 | false | false |
| 16 August 2025 | Accrual Activity | 1.76 | 0.0 | 1.76 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
Then Loan has 0 outstanding amount
When Admin sets the business date to "21 August 2025"
And Customer makes a repayment undo on "16 August 2025"
And Admin adds "LOAN_NSF_FEE" due date charge with "21 August 2025" due date and 2.8 EUR transaction amount
And Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| NSF fee | true | Specified due date | 21 August 2025 | Flat | 2.8 | 0.0 | 0.0 | 2.8 |
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 |
| | | 16 May 2025 | | 186.99 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 16 June 2025 | | 125.24 | 61.75 | 1.76 | 0.0 | 0.0 | 63.51 | 0.0 | 0.0 | 0.0 | 63.51 |
| 2 | 30 | 16 July 2025 | | 63.49 | 61.75 | 1.76 | 0.0 | 0.0 | 63.51 | 0.0 | 0.0 | 0.0 | 63.51 |
| 3 | 31 | 16 August 2025 | | 0.0 | 63.49 | 1.76 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
| 4 | 5 | 21 August 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 2.8 | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 186.99 | 5.28 | 0.0 | 2.8 | 195.07 | 0.0 | 0.0 | 0.0 | 195.07 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 May 2025 | Disbursement | 186.99 | 0.0 | 0.0 | 0.0 | 0.0 | 186.99 | false | false |
| 16 June 2025 | Accrual Activity | 1.76 | 0.0 | 1.76 | 0.0 | 0.0 | 0.0 | false | false |
| 16 July 2025 | Accrual Activity | 1.76 | 0.0 | 1.76 | 0.0 | 0.0 | 0.0 | false | false |
| 16 August 2025 | Repayment | 192.27 | 186.99 | 5.28 | 0.0 | 0.0 | 0.0 | true | false |
| 16 August 2025 | Accrual | 5.28 | 0.0 | 5.28 | 0.0 | 0.0 | 0.0 | false | false |
| 16 August 2025 | Accrual Activity | 1.76 | 0.0 | 1.76 | 0.0 | 0.0 | 0.0 | false | false |
When Admin sets the business date to "22 August 2025"
And Customer makes "AUTOPAY" repayment on "22 August 2025" with 195.07 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 |
| | | 16 May 2025 | | 186.99 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 16 June 2025 | 22 August 2025 | 125.24 | 61.75 | 1.76 | 0.0 | 0.0 | 63.51 | 63.51 | 0.0 | 63.51 | 0.0 |
| 2 | 30 | 16 July 2025 | 22 August 2025 | 63.49 | 61.75 | 1.76 | 0.0 | 0.0 | 63.51 | 63.51 | 0.0 | 63.51 | 0.0 |
| 3 | 31 | 16 August 2025 | 22 August 2025 | 0.0 | 63.49 | 1.76 | 0.0 | 0.0 | 65.25 | 65.25 | 0.0 | 65.25 | 0.0 |
| 4 | 5 | 21 August 2025 | 22 August 2025 | 0.0 | 0.0 | 0.0 | 0.0 | 2.8 | 2.8 | 2.8 | 0.0 | 2.8 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 186.99 | 5.28 | 0.0 | 2.8 | 195.07 | 195.07 | 0.0 | 195.07 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 May 2025 | Disbursement | 186.99 | 0.0 | 0.0 | 0.0 | 0.0 | 186.99 | false | false |
| 16 June 2025 | Accrual Activity | 1.76 | 0.0 | 1.76 | 0.0 | 0.0 | 0.0 | false | false |
| 16 July 2025 | Accrual Activity | 1.76 | 0.0 | 1.76 | 0.0 | 0.0 | 0.0 | false | false |
| 16 August 2025 | Repayment | 192.27 | 186.99 | 5.28 | 0.0 | 0.0 | 0.0 | true | false |
| 16 August 2025 | Accrual | 5.28 | 0.0 | 5.28 | 0.0 | 0.0 | 0.0 | false | false |
| 16 August 2025 | Accrual Activity | 1.76 | 0.0 | 1.76 | 0.0 | 0.0 | 0.0 | false | false |
| 21 August 2025 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
| 22 August 2025 | Repayment | 195.07 | 186.99 | 5.28 | 0.0 | 2.8 | 0.0 | false | false |
| 22 August 2025 | Accrual Activity | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
When Admin sets the business date to "29 August 2025"
And Customer makes a repayment undo on "22 August 2025"
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 May 2025 | | 186.99 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 16 June 2025 | | 125.24 | 61.75 | 1.76 | 0.0 | 0.0 | 63.51 | 0.0 | 0.0 | 0.0 | 63.51 |
| 2 | 30 | 16 July 2025 | | 63.49 | 61.75 | 1.76 | 0.0 | 0.0 | 63.51 | 0.0 | 0.0 | 0.0 | 63.51 |
| 3 | 31 | 16 August 2025 | | 0.0 | 63.49 | 1.76 | 0.0 | 0.0 | 65.25 | 0.0 | 0.0 | 0.0 | 65.25 |
| 4 | 5 | 21 August 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 2.8 | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 186.99 | 5.28 | 0.0 | 2.8 | 195.07 | 0.0 | 0.0 | 0.0 | 195.07 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 May 2025 | Disbursement | 186.99 | 0.0 | 0.0 | 0.0 | 0.0 | 186.99 | false | false |
| 16 June 2025 | Accrual Activity | 1.76 | 0.0 | 1.76 | 0.0 | 0.0 | 0.0 | false | false |
| 16 July 2025 | Accrual Activity | 1.76 | 0.0 | 1.76 | 0.0 | 0.0 | 0.0 | false | false |
| 16 August 2025 | Repayment | 192.27 | 186.99 | 5.28 | 0.0 | 0.0 | 0.0 | true | false |
| 16 August 2025 | Accrual | 5.28 | 0.0 | 5.28 | 0.0 | 0.0 | 0.0 | false | false |
| 16 August 2025 | Accrual Activity | 1.76 | 0.0 | 1.76 | 0.0 | 0.0 | 0.0 | false | false |
| 21 August 2025 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
| 21 August 2025 | Accrual Activity | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | true |
| 22 August 2025 | Repayment | 195.07 | 186.99 | 5.28 | 0.0 | 2.8 | 0.0 | true | false |
Then Loan status will be "ACTIVE"
Then Loan has 195.07 outstanding amount
@TestRailId:C4148
Scenario: Verify 2 months of EMIs to be paid early and late with repayment trn at last installment - UC1
When Admin sets the business date to "16 April 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 16 April 2025 | 1000 | 35.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "16 April 2025" with "1000" amount and expected disbursement date on "16 April 2025"
And Admin successfully disburse the loan on "16 April 2025" with "1207.18" 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 |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | | 1020.55 | 186.63 | 36.21 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 2 | 31 | 16 June 2025 | | 828.32 | 192.23 | 30.61 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 3 | 30 | 16 July 2025 | | 630.32 | 198.0 | 24.84 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 4 | 31 | 16 August 2025 | | 426.38 | 203.94 | 18.9 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 5 | 31 | 16 September 2025 | | 216.33 | 210.05 | 12.79 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 216.33 | 6.49 | 0.0 | 0.0 | 222.82 | 0.0 | 0.0 | 0.0 | 222.82 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 129.84 | 0.0 | 0.0 | 1337.02 | 0.0 | 0.0 | 0.0 | 1337.02 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 1337.02 outstanding amount
When Admin sets the business date to "10 May 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "10 May 2025" with 222.84 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | | 826.93 | 186.37 | 36.47 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 3 | 30 | 16 July 2025 | | 628.89 | 198.04 | 24.8 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 4 | 31 | 16 August 2025 | | 424.91 | 203.98 | 18.86 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 5 | 31 | 16 September 2025 | | 214.81 | 210.1 | 12.74 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 214.81 | 6.44 | 0.0 | 0.0 | 221.25 | 0.0 | 0.0 | 0.0 | 221.25 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 128.27 | 0.0 | 0.0 | 1335.45 | 222.84 | 222.84 | 0.0 | 1112.61 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 1112.61 outstanding amount
When Admin sets the business date to "06 June 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "06 June 2025" with 222.84 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 4 | 31 | 16 August 2025 | | 422.66 | 204.04 | 18.8 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 5 | 31 | 16 September 2025 | | 212.5 | 210.16 | 12.68 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 212.5 | 6.37 | 0.0 | 0.0 | 218.87 | 0.0 | 0.0 | 0.0 | 218.87 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 125.89 | 0.0 | 0.0 | 1333.07 | 445.68 | 445.68 | 0.0 | 887.39 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 887.39 outstanding amount
When Admin sets the business date to "12 September 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 September 2025" with 445.68 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | | 228.53 | 199.84 | 23.0 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 228.53 | 6.85 | 0.0 | 0.0 | 235.38 | 0.0 | 0.0 | 0.0 | 235.38 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 142.4 | 0.0 | 0.0 | 1349.58 | 891.36 | 445.68 | 445.68 | 458.22 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 458.22 outstanding amount
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 September 2025" with 445.68 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | 12 September 2025 | 226.87 | 201.5 | 21.34 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 6 | 30 | 16 October 2025 | | 0.0 | 226.87 | 0.14 | 0.0 | 0.0 | 227.01 | 222.84 | 222.84 | 0.0 | 4.17 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 134.03 | 0.0 | 0.0 | 1341.21 | 1337.04 | 891.36 | 445.68 | 4.17 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
| 12 September 2025 | Repayment | 445.68 | 424.34 | 21.34 | 0.0 | 0.0 | 4.03 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 4.17 outstanding amount
When Admin sets the business date to "04 October 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "04 October 2025" with 4.03 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | 12 September 2025 | 226.87 | 201.5 | 21.34 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 6 | 30 | 16 October 2025 | | 0.0 | 226.87 | 0.09 | 0.0 | 0.0 | 226.96 | 226.87 | 226.87 | 0.0 | 0.09 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 133.98 | 0.0 | 0.0 | 1341.16 | 1341.07 | 895.39 | 445.68 | 0.09 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
| 12 September 2025 | Repayment | 445.68 | 424.34 | 21.34 | 0.0 | 0.0 | 4.03 | false | false |
| 04 October 2025 | Repayment | 4.03 | 3.94 | 0.09 | 0.0 | 0.0 | 0.09 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 0.09 outstanding amount
When Admin sets the business date to "12 October 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 October 2025" with 0.09 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | 12 September 2025 | 226.87 | 201.5 | 21.34 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 6 | 30 | 16 October 2025 | 12 October 2025 | 0.0 | 226.87 | 0.09 | 0.0 | 0.0 | 226.96 | 226.96 | 226.96 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 133.98 | 0.0 | 0.0 | 1341.16 | 1341.16 | 895.48 | 445.68 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 16 May 2025 | Accrual Activity | 28.96 | 0.0 | 28.96 | 0.0 | 0.0 | 0.0 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 16 June 2025 | Accrual Activity | 26.67 | 0.0 | 26.67 | 0.0 | 0.0 | 0.0 | false | false |
| 16 July 2025 | Accrual Activity | 32.41 | 0.0 | 32.41 | 0.0 | 0.0 | 0.0 | false | false |
| 16 August 2025 | Accrual Activity | 24.51 | 0.0 | 24.51 | 0.0 | 0.0 | 0.0 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
| 12 September 2025 | Repayment | 445.68 | 424.34 | 21.34 | 0.0 | 0.0 | 4.03 | false | false |
| 16 September 2025 | Accrual Activity | 21.34 | 0.0 | 21.34 | 0.0 | 0.0 | 0.0 | false | false |
| 04 October 2025 | Repayment | 4.03 | 3.94 | 0.09 | 0.0 | 0.0 | 0.09 | false | false |
| 12 October 2025 | Repayment | 0.09 | 0.09 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 October 2025 | Accrual | 133.98 | 0.0 | 133.98 | 0.0 | 0.0 | 0.0 | false | false |
| 12 October 2025 | Accrual Activity | 0.09 | 0.0 | 0.09 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4149
Scenario: Verify 2 months of EMIs to be paid early and late with MIR trn at last installment - UC2
When Admin sets the business date to "16 April 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 16 April 2025 | 1000 | 35.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "16 April 2025" with "1000" amount and expected disbursement date on "16 April 2025"
And Admin successfully disburse the loan on "16 April 2025" with "1207.18" 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 |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | | 1020.55 | 186.63 | 36.21 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 2 | 31 | 16 June 2025 | | 828.32 | 192.23 | 30.61 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 3 | 30 | 16 July 2025 | | 630.32 | 198.0 | 24.84 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 4 | 31 | 16 August 2025 | | 426.38 | 203.94 | 18.9 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 5 | 31 | 16 September 2025 | | 216.33 | 210.05 | 12.79 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 216.33 | 6.49 | 0.0 | 0.0 | 222.82 | 0.0 | 0.0 | 0.0 | 222.82 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 129.84 | 0.0 | 0.0 | 1337.02 | 0.0 | 0.0 | 0.0 | 1337.02 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 1337.02 outstanding amount
When Admin sets the business date to "10 May 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "10 May 2025" with 222.84 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | | 826.93 | 186.37 | 36.47 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 3 | 30 | 16 July 2025 | | 628.89 | 198.04 | 24.8 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 4 | 31 | 16 August 2025 | | 424.91 | 203.98 | 18.86 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 5 | 31 | 16 September 2025 | | 214.81 | 210.1 | 12.74 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 214.81 | 6.44 | 0.0 | 0.0 | 221.25 | 0.0 | 0.0 | 0.0 | 221.25 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 128.27 | 0.0 | 0.0 | 1335.45 | 222.84 | 222.84 | 0.0 | 1112.61 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 1112.61 outstanding amount
When Admin sets the business date to "06 June 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "06 June 2025" with 222.84 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 4 | 31 | 16 August 2025 | | 422.66 | 204.04 | 18.8 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 5 | 31 | 16 September 2025 | | 212.5 | 210.16 | 12.68 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 212.5 | 6.37 | 0.0 | 0.0 | 218.87 | 0.0 | 0.0 | 0.0 | 218.87 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 125.89 | 0.0 | 0.0 | 1333.07 | 445.68 | 445.68 | 0.0 | 887.39 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 887.39 outstanding amount
When Admin sets the business date to "12 September 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 September 2025" with 445.68 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | | 228.53 | 199.84 | 23.0 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 228.53 | 6.85 | 0.0 | 0.0 | 235.38 | 0.0 | 0.0 | 0.0 | 235.38 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 142.4 | 0.0 | 0.0 | 1349.58 | 891.36 | 445.68 | 445.68 | 458.22 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 458.22 outstanding amount
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 September 2025" with 445.68 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | 12 September 2025 | 226.87 | 201.5 | 21.34 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 6 | 30 | 16 October 2025 | | 0.0 | 226.87 | 0.14 | 0.0 | 0.0 | 227.01 | 222.84 | 222.84 | 0.0 | 4.17 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 134.03 | 0.0 | 0.0 | 1341.21 | 1337.04 | 891.36 | 445.68 | 4.17 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
| 12 September 2025 | Repayment | 445.68 | 424.34 | 21.34 | 0.0 | 0.0 | 4.03 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 4.17 outstanding amount
When Admin sets the business date to "04 October 2025"
When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "04 October 2025" with 3.43 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 |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | 12 September 2025 | 226.87 | 201.5 | 21.34 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 6 | 30 | 16 October 2025 | | 0.0 | 226.87 | 0.09 | 0.0 | 0.0 | 226.96 | 226.87 | 226.87 | 0.0 | 0.09 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 133.98 | 0.0 | 0.0 | 1341.16 | 1341.07 | 895.39 | 445.68 | 0.09 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
| 12 September 2025 | Repayment | 445.68 | 424.34 | 21.34 | 0.0 | 0.0 | 4.03 | false | false |
| 04 October 2025 | Merchant Issued Refund | 3.43 | 3.43 | 0.0 | 0.0 | 0.0 | 0.6 | false | false |
| 04 October 2025 | Interest Refund | 0.6 | 0.51 | 0.09 | 0.0 | 0.0 | 0.09 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 0.09 outstanding amount
When Admin sets the business date to "12 October 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 October 2025" with 0.09 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | 12 September 2025 | 226.87 | 201.5 | 21.34 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 6 | 30 | 16 October 2025 | 12 October 2025 | 0.0 | 226.87 | 0.09 | 0.0 | 0.0 | 226.96 | 226.96 | 226.96 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 133.98 | 0.0 | 0.0 | 1341.16 | 1341.16 | 895.48 | 445.68 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 16 May 2025 | Accrual Activity | 28.96 | 0.0 | 28.96 | 0.0 | 0.0 | 0.0 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 16 June 2025 | Accrual Activity | 26.67 | 0.0 | 26.67 | 0.0 | 0.0 | 0.0 | false | false |
| 16 July 2025 | Accrual Activity | 32.41 | 0.0 | 32.41 | 0.0 | 0.0 | 0.0 | false | false |
| 16 August 2025 | Accrual Activity | 24.51 | 0.0 | 24.51 | 0.0 | 0.0 | 0.0 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
| 12 September 2025 | Repayment | 445.68 | 424.34 | 21.34 | 0.0 | 0.0 | 4.03 | false | false |
| 16 September 2025 | Accrual Activity | 21.34 | 0.0 | 21.34 | 0.0 | 0.0 | 0.0 | false | false |
| 04 October 2025 | Merchant Issued Refund | 3.43 | 3.43 | 0.0 | 0.0 | 0.0 | 0.6 | false | false |
| 04 October 2025 | Interest Refund | 0.6 | 0.51 | 0.09 | 0.0 | 0.0 | 0.09 | false | false |
| 12 October 2025 | Repayment | 0.09 | 0.09 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 12 October 2025 | Accrual | 133.98 | 0.0 | 133.98 | 0.0 | 0.0 | 0.0 | false | false |
| 12 October 2025 | Accrual Activity | 0.09 | 0.0 | 0.09 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4150
Scenario: Verify 2 months of EMIs to be paid early and late with charge and repayment trns at last installment - UC3
When Admin sets the business date to "16 April 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 16 April 2025 | 1000 | 35.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "16 April 2025" with "1000" amount and expected disbursement date on "16 April 2025"
And Admin successfully disburse the loan on "16 April 2025" with "1207.18" 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 |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | | 1020.55 | 186.63 | 36.21 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 2 | 31 | 16 June 2025 | | 828.32 | 192.23 | 30.61 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 3 | 30 | 16 July 2025 | | 630.32 | 198.0 | 24.84 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 4 | 31 | 16 August 2025 | | 426.38 | 203.94 | 18.9 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 5 | 31 | 16 September 2025 | | 216.33 | 210.05 | 12.79 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 216.33 | 6.49 | 0.0 | 0.0 | 222.82 | 0.0 | 0.0 | 0.0 | 222.82 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 129.84 | 0.0 | 0.0 | 1337.02 | 0.0 | 0.0 | 0.0 | 1337.02 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 1337.02 outstanding amount
When Admin sets the business date to "10 May 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "10 May 2025" with 222.84 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | | 826.93 | 186.37 | 36.47 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 3 | 30 | 16 July 2025 | | 628.89 | 198.04 | 24.8 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 4 | 31 | 16 August 2025 | | 424.91 | 203.98 | 18.86 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 5 | 31 | 16 September 2025 | | 214.81 | 210.1 | 12.74 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 214.81 | 6.44 | 0.0 | 0.0 | 221.25 | 0.0 | 0.0 | 0.0 | 221.25 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 128.27 | 0.0 | 0.0 | 1335.45 | 222.84 | 222.84 | 0.0 | 1112.61 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 1112.61 outstanding amount
When Admin sets the business date to "06 June 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "06 June 2025" with 222.84 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 4 | 31 | 16 August 2025 | | 422.66 | 204.04 | 18.8 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 5 | 31 | 16 September 2025 | | 212.5 | 210.16 | 12.68 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 212.5 | 6.37 | 0.0 | 0.0 | 218.87 | 0.0 | 0.0 | 0.0 | 218.87 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 125.89 | 0.0 | 0.0 | 1333.07 | 445.68 | 445.68 | 0.0 | 887.39 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 887.39 outstanding amount
When Admin sets the business date to "12 September 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 September 2025" with 445.68 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | | 228.53 | 199.84 | 23.0 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 228.53 | 6.85 | 0.0 | 0.0 | 235.38 | 0.0 | 0.0 | 0.0 | 235.38 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 142.4 | 0.0 | 0.0 | 1349.58 | 891.36 | 445.68 | 445.68 | 458.22 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 458.22 outstanding amount
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 September 2025" with 445.68 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | 12 September 2025 | 226.87 | 201.5 | 21.34 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 6 | 30 | 16 October 2025 | | 0.0 | 226.87 | 0.14 | 0.0 | 0.0 | 227.01 | 222.84 | 222.84 | 0.0 | 4.17 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 134.03 | 0.0 | 0.0 | 1341.21 | 1337.04 | 891.36 | 445.68 | 4.17 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
| 12 September 2025 | Repayment | 445.68 | 424.34 | 21.34 | 0.0 | 0.0 | 4.03 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 4.17 outstanding amount
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "04 October 2025" due date and 3 EUR transaction amount
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 | 04 October 2025 | Flat | 3.0 | 0.0 | 0.0 | 3.0 |
When Admin sets the business date to "04 October 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "04 October 2025" with 7.03 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | 12 September 2025 | 226.87 | 201.5 | 21.34 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 6 | 30 | 16 October 2025 | | 0.0 | 226.87 | 0.09 | 3.0 | 0.0 | 229.96 | 229.87 | 229.87 | 0.0 | 0.09 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 133.98 | 3.0 | 0.0 | 1344.16 | 1344.07 | 898.39 | 445.68 | 0.09 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
| 12 September 2025 | Repayment | 445.68 | 424.34 | 21.34 | 0.0 | 0.0 | 4.03 | false | false |
| 04 October 2025 | Repayment | 7.03 | 4.03 | 0.09 | 2.91 | 0.0 | 0.0 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 0.09 outstanding amount
When Admin sets the business date to "12 October 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 October 2025" with 0.09 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | 12 September 2025 | 226.87 | 201.5 | 21.34 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 6 | 30 | 16 October 2025 | 12 October 2025 | 0.0 | 226.87 | 0.09 | 3.0 | 0.0 | 229.96 | 229.96 | 229.96 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 133.98 | 3.0 | 0.0 | 1344.16 | 1344.16 | 898.48 | 445.68 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 16 May 2025 | Accrual Activity | 28.96 | 0.0 | 28.96 | 0.0 | 0.0 | 0.0 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 16 June 2025 | Accrual Activity | 26.67 | 0.0 | 26.67 | 0.0 | 0.0 | 0.0 | false | false |
| 16 July 2025 | Accrual Activity | 32.41 | 0.0 | 32.41 | 0.0 | 0.0 | 0.0 | false | false |
| 16 August 2025 | Accrual Activity | 24.51 | 0.0 | 24.51 | 0.0 | 0.0 | 0.0 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
| 12 September 2025 | Repayment | 445.68 | 424.34 | 21.34 | 0.0 | 0.0 | 4.03 | false | false |
| 16 September 2025 | Accrual Activity | 21.34 | 0.0 | 21.34 | 0.0 | 0.0 | 0.0 | false | false |
| 04 October 2025 | Repayment | 7.03 | 4.03 | 0.09 | 2.91 | 0.0 | 0.0 | false | false |
| 12 October 2025 | Repayment | 0.09 | 0.0 | 0.0 | 0.09 | 0.0 | 0.0 | false | false |
| 12 October 2025 | Accrual | 136.98 | 0.0 | 133.98 | 3.0 | 0.0 | 0.0 | false | false |
| 12 October 2025 | Accrual Activity | 3.09 | 0.0 | 0.09 | 3.0 | 0.0 | 0.0 | false | false |
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4151
Scenario: Verify near 2 months of EMIs to be paid early and late with repayment trn at last installment - UC1
When Admin sets the business date to "16 April 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 16 April 2025 | 1000 | 35.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "16 April 2025" with "1000" amount and expected disbursement date on "16 April 2025"
And Admin successfully disburse the loan on "16 April 2025" with "1207.18" 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 |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | | 1020.55 | 186.63 | 36.21 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 2 | 31 | 16 June 2025 | | 828.32 | 192.23 | 30.61 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 3 | 30 | 16 July 2025 | | 630.32 | 198.0 | 24.84 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 4 | 31 | 16 August 2025 | | 426.38 | 203.94 | 18.9 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 5 | 31 | 16 September 2025 | | 216.33 | 210.05 | 12.79 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 216.33 | 6.49 | 0.0 | 0.0 | 222.82 | 0.0 | 0.0 | 0.0 | 222.82 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 129.84 | 0.0 | 0.0 | 1337.02 | 0.0 | 0.0 | 0.0 | 1337.02 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 1337.02 outstanding amount
When Admin sets the business date to "10 May 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "10 May 2025" with 222.84 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | | 826.93 | 186.37 | 36.47 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 3 | 30 | 16 July 2025 | | 628.89 | 198.04 | 24.8 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 4 | 31 | 16 August 2025 | | 424.91 | 203.98 | 18.86 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 5 | 31 | 16 September 2025 | | 214.81 | 210.1 | 12.74 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 214.81 | 6.44 | 0.0 | 0.0 | 221.25 | 0.0 | 0.0 | 0.0 | 221.25 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 128.27 | 0.0 | 0.0 | 1335.45 | 222.84 | 222.84 | 0.0 | 1112.61 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 1112.61 outstanding amount
When Admin sets the business date to "06 June 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "06 June 2025" with 222.84 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 4 | 31 | 16 August 2025 | | 422.66 | 204.04 | 18.8 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 5 | 31 | 16 September 2025 | | 212.5 | 210.16 | 12.68 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 212.5 | 6.37 | 0.0 | 0.0 | 218.87 | 0.0 | 0.0 | 0.0 | 218.87 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 125.89 | 0.0 | 0.0 | 1333.07 | 445.68 | 445.68 | 0.0 | 887.39 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 887.39 outstanding amount
When Admin sets the business date to "12 September 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 September 2025" with 445.68 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | | 228.53 | 199.84 | 23.0 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 228.53 | 6.85 | 0.0 | 0.0 | 235.38 | 0.0 | 0.0 | 0.0 | 235.38 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 142.4 | 0.0 | 0.0 | 1349.58 | 891.36 | 445.68 | 445.68 | 458.22 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 458.22 outstanding amount
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 September 2025" with 445.69 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | 12 September 2025 | 226.87 | 201.5 | 21.34 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 6 | 30 | 16 October 2025 | | 0.0 | 226.87 | 0.14 | 0.0 | 0.0 | 227.01 | 222.85 | 222.85 | 0.0 | 4.16 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 134.03 | 0.0 | 0.0 | 1341.21 | 1337.05 | 891.37 | 445.68 | 4.16 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
| 12 September 2025 | Repayment | 445.69 | 424.35 | 21.34 | 0.0 | 0.0 | 4.02 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 4.16 outstanding amount
When Admin sets the business date to "04 October 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "04 October 2025" with 4.11 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | 12 September 2025 | 226.87 | 201.5 | 21.34 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 6 | 30 | 16 October 2025 | 04 October 2025 | 0.0 | 226.87 | 0.09 | 0.0 | 0.0 | 226.96 | 226.96 | 226.96 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 133.98 | 0.0 | 0.0 | 1341.16 | 1341.16 | 895.48 | 445.68 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 16 May 2025 | Accrual Activity | 28.96 | 0.0 | 28.96 | 0.0 | 0.0 | 0.0 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 16 June 2025 | Accrual Activity | 26.67 | 0.0 | 26.67 | 0.0 | 0.0 | 0.0 | false | false |
| 16 July 2025 | Accrual Activity | 32.41 | 0.0 | 32.41 | 0.0 | 0.0 | 0.0 | false | false |
| 16 August 2025 | Accrual Activity | 24.51 | 0.0 | 24.51 | 0.0 | 0.0 | 0.0 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
| 12 September 2025 | Repayment | 445.69 | 424.35 | 21.34 | 0.0 | 0.0 | 4.02 | false | false |
| 16 September 2025 | Accrual Activity | 21.34 | 0.0 | 21.34 | 0.0 | 0.0 | 0.0 | false | false |
| 04 October 2025 | Repayment | 4.11 | 4.02 | 0.09 | 0.0 | 0.0 | 0.0 | false | false |
| 04 October 2025 | Accrual | 133.98 | 0.0 | 133.98 | 0.0 | 0.0 | 0.0 | false | false |
| 04 October 2025 | Accrual Activity | 0.09 | 0.0 | 0.09 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4152
Scenario: Verify near 2 months of EMIs to be paid early and late with repayment trn at last installment - UC2
When Admin sets the business date to "16 April 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 16 April 2025 | 1000 | 35.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "16 April 2025" with "1000" amount and expected disbursement date on "16 April 2025"
And Admin successfully disburse the loan on "16 April 2025" with "1207.18" 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 |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | | 1020.55 | 186.63 | 36.21 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 2 | 31 | 16 June 2025 | | 828.32 | 192.23 | 30.61 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 3 | 30 | 16 July 2025 | | 630.32 | 198.0 | 24.84 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 4 | 31 | 16 August 2025 | | 426.38 | 203.94 | 18.9 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 5 | 31 | 16 September 2025 | | 216.33 | 210.05 | 12.79 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 216.33 | 6.49 | 0.0 | 0.0 | 222.82 | 0.0 | 0.0 | 0.0 | 222.82 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 129.84 | 0.0 | 0.0 | 1337.02 | 0.0 | 0.0 | 0.0 | 1337.02 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 1337.02 outstanding amount
When Admin sets the business date to "10 May 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "10 May 2025" with 222.84 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | | 826.93 | 186.37 | 36.47 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 3 | 30 | 16 July 2025 | | 628.89 | 198.04 | 24.8 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 4 | 31 | 16 August 2025 | | 424.91 | 203.98 | 18.86 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 5 | 31 | 16 September 2025 | | 214.81 | 210.1 | 12.74 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 214.81 | 6.44 | 0.0 | 0.0 | 221.25 | 0.0 | 0.0 | 0.0 | 221.25 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 128.27 | 0.0 | 0.0 | 1335.45 | 222.84 | 222.84 | 0.0 | 1112.61 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 1112.61 outstanding amount
When Admin sets the business date to "06 June 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "06 June 2025" with 222.84 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 4 | 31 | 16 August 2025 | | 422.66 | 204.04 | 18.8 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 5 | 31 | 16 September 2025 | | 212.5 | 210.16 | 12.68 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 212.5 | 6.37 | 0.0 | 0.0 | 218.87 | 0.0 | 0.0 | 0.0 | 218.87 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 125.89 | 0.0 | 0.0 | 1333.07 | 445.68 | 445.68 | 0.0 | 887.39 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 887.39 outstanding amount
When Admin sets the business date to "12 September 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 September 2025" with 445.68 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | | 228.53 | 199.84 | 23.0 | 0.0 | 0.0 | 222.84 | 0.0 | 0.0 | 0.0 | 222.84 |
| 6 | 30 | 16 October 2025 | | 0.0 | 228.53 | 6.85 | 0.0 | 0.0 | 235.38 | 0.0 | 0.0 | 0.0 | 235.38 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 142.4 | 0.0 | 0.0 | 1349.58 | 891.36 | 445.68 | 445.68 | 458.22 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 458.22 outstanding amount
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 September 2025" with 445.67 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | 12 September 2025 | 226.87 | 201.5 | 21.34 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 6 | 30 | 16 October 2025 | | 0.0 | 226.87 | 0.14 | 0.0 | 0.0 | 227.01 | 222.83 | 222.83 | 0.0 | 4.18 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 134.03 | 0.0 | 0.0 | 1341.21 | 1337.03 | 891.35 | 445.68 | 4.18 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
| 12 September 2025 | Repayment | 445.67 | 424.33 | 21.34 | 0.0 | 0.0 | 4.04 | false | false |
Then Loan status will be "ACTIVE"
Then Loan has 4.18 outstanding amount
When Admin sets the business date to "04 October 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "04 October 2025" with 4.13 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 16 April 2025 | | 1207.18 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 16 May 2025 | 10 May 2025 | 1013.3 | 193.88 | 28.96 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 2 | 31 | 16 June 2025 | 06 June 2025 | 817.13 | 196.17 | 26.67 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 3 | 30 | 16 July 2025 | 12 September 2025 | 626.7 | 190.43 | 32.41 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 4 | 31 | 16 August 2025 | 12 September 2025 | 428.37 | 198.33 | 24.51 | 0.0 | 0.0 | 222.84 | 222.84 | 0.0 | 222.84 | 0.0 |
| 5 | 31 | 16 September 2025 | 12 September 2025 | 226.87 | 201.5 | 21.34 | 0.0 | 0.0 | 222.84 | 222.84 | 222.84 | 0.0 | 0.0 |
| 6 | 30 | 16 October 2025 | 04 October 2025 | 0.0 | 226.87 | 0.09 | 0.0 | 0.0 | 226.96 | 226.96 | 226.96 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1207.18 | 133.98 | 0.0 | 0.0 | 1341.16 | 1341.16 | 895.48 | 445.68 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 16 April 2025 | Disbursement | 1207.18 | 0.0 | 0.0 | 0.0 | 0.0 | 1207.18 | false | false |
| 10 May 2025 | Repayment | 222.84 | 193.88 | 28.96 | 0.0 | 0.0 | 1013.3 | false | false |
| 16 May 2025 | Accrual Activity | 28.96 | 0.0 | 28.96 | 0.0 | 0.0 | 0.0 | false | false |
| 06 June 2025 | Repayment | 222.84 | 196.17 | 26.67 | 0.0 | 0.0 | 817.13 | false | false |
| 16 June 2025 | Accrual Activity | 26.67 | 0.0 | 26.67 | 0.0 | 0.0 | 0.0 | false | false |
| 16 July 2025 | Accrual Activity | 32.41 | 0.0 | 32.41 | 0.0 | 0.0 | 0.0 | false | false |
| 16 August 2025 | Accrual Activity | 24.51 | 0.0 | 24.51 | 0.0 | 0.0 | 0.0 | false | false |
| 12 September 2025 | Repayment | 445.68 | 388.76 | 56.92 | 0.0 | 0.0 | 428.37 | false | false |
| 12 September 2025 | Repayment | 445.67 | 424.33 | 21.34 | 0.0 | 0.0 | 4.04 | false | false |
| 16 September 2025 | Accrual Activity | 21.34 | 0.0 | 21.34 | 0.0 | 0.0 | 0.0 | false | false |
| 04 October 2025 | Repayment | 4.13 | 4.04 | 0.09 | 0.0 | 0.0 | 0.0 | false | false |
| 04 October 2025 | Accrual | 133.98 | 0.0 | 133.98 | 0.0 | 0.0 | 0.0 | false | false |
| 04 October 2025 | Accrual Activity | 0.09 | 0.0 | 0.09 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4350
Scenario: Verify the loan creation with total disbursement amount less then 1 for progressive loan
When Admin sets the business date to "26 October 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with loan product`s charges and following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR | 26 October 2025 | 1 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 1 | MONTHS | 1 | MONTHS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "26 October 2025" with "1" amount and expected disbursement date on "26 October 2025"
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 26 October 2025 | | 1.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 31 | 26 November 2025 | | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 |
When Admin successfully disburse the loan on "26 October 2025" with "0.5" EUR transaction amount
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 26 October 2025 | | 0.5 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 November 2025 | | 0.0 | 0.5 | 0.0 | 0.0 | 0.0 | 0.5 | 0.0 | 0.0 | 0.0 | 0.5 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 0.5 | 0.0 | 0.0 | 0.0 | 0.5 | 0.0 | 0.0 | 0.0 | 0.5 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 October 2025 | Disbursement | 0.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.5 | false | false |
When Admin sets the business date to "27 October 2025"
When Loan Pay-off is made on "27 October 2025"
Then Loan Repayment schedule has 1 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 26 October 2025 | | 0.5 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 November 2025 | 27 October 2025 | 0.0 | 0.5 | 0.0 | 0.0 | 0.0 | 0.5 | 0.5 | 0.5 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 0.5 | 0.0 | 0.0 | 0.0 | 0.5 | 0.5 | 0.5 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 October 2025 | Disbursement | 0.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.5 | false | false |
| 27 October 2025 | Repayment | 0.5 | 0.5 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4351
Scenario: Verify the loan creation with total calculated EMI less than 1 for progressive loan - 3 repayment periods
When Admin sets the business date to "26 October 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with loan product`s charges and following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR | 26 October 2025 | 3 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "26 October 2025" with "1" amount and expected disbursement date on "26 October 2025"
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 |
| | | 26 October 2025 | | 1.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 31 | 26 November 2025 | | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 |
| 2 | 30 | 26 December 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 26 January 2026 | | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 |
When Admin successfully disburse the loan on "26 October 2025" with "1.5" 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 |
| | | 26 October 2025 | | 1.5 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 November 2025 | | 0.5 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 |
| 2 | 30 | 26 December 2025 | | 0.0 | 0.5 | 0.0 | 0.0 | 0.0 | 0.5 | 0.0 | 0.0 | 0.0 | 0.5 |
| 3 | 31 | 26 January 2026 | 26 October 2025 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1.5 | 0.0 | 0.0 | 0.0 | 1.5 | 0.0 | 0.0 | 0.0 | 1.5 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 October 2025 | Disbursement | 1.5 | 0.0 | 0.0 | 0.0 | 0.0 | 1.5 | false | false |
When Admin sets the business date to "27 October 2025"
When Loan Pay-off is made on "27 October 2025"
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 |
| | | 26 October 2025 | | 1.5 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 November 2025 | 27 October 2025 | 0.5 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 1.0 | 1.0 | 0.0 | 0.0 |
| 2 | 30 | 26 December 2025 | 27 October 2025 | 0.0 | 0.5 | 0.0 | 0.0 | 0.0 | 0.5 | 0.5 | 0.5 | 0.0 | 0.0 |
| 3 | 31 | 26 January 2026 | 26 October 2025 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1.5 | 0.0 | 0.0 | 0.0 | 1.5 | 1.5 | 1.5 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 October 2025 | Disbursement | 1.5 | 0.0 | 0.0 | 0.0 | 0.0 | 1.5 | false | false |
| 27 October 2025 | Repayment | 1.5 | 1.5 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4352
Scenario: Verify the loan creation with total calculated EMI less than 2 (rounded towards 1) for progressive loan - 3 repayment periods
When Admin sets the business date to "26 October 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with loan product`s charges and following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR | 26 October 2025 | 4 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "26 October 2025" with "2" amount and expected disbursement date on "26 October 2025"
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 |
| | | 26 October 2025 | | 2.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 31 | 26 November 2025 | | 1.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 |
| 2 | 30 | 26 December 2025 | | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 |
| 3 | 31 | 26 January 2026 | | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 2.0 | 0.0 | 0.0 | 0.0 | 2.0 | 0.0 | 0.0 | 0.0 | 2.0 |
When Admin successfully disburse the loan on "26 October 2025" with "4" 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 |
| | | 26 October 2025 | | 4.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 November 2025 | | 3.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 |
| 2 | 30 | 26 December 2025 | | 2.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 |
| 3 | 31 | 26 January 2026 | | 0.0 | 2.0 | 0.0 | 0.0 | 0.0 | 2.0 | 0.0 | 0.0 | 0.0 | 2.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 4.0 | 0.0 | 0.0 | 0.0 | 4.0 | 0.0 | 0.0 | 0.0 | 4.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 October 2025 | Disbursement | 4.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4.0 | false | false |
When Admin sets the business date to "27 October 2025"
When Loan Pay-off is made on "27 October 2025"
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 |
| | | 26 October 2025 | | 4.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 26 November 2025 | 27 October 2025 | 3.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 1.0 | 1.0 | 0.0 | 0.0 |
| 2 | 30 | 26 December 2025 | 27 October 2025 | 2.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 1.0 | 1.0 | 0.0 | 0.0 |
| 3 | 31 | 26 January 2026 | 27 October 2025 | 0.0 | 2.0 | 0.0 | 0.0 | 0.0 | 2.0 | 2.0 | 2.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 4.0 | 0.0 | 0.0 | 0.0 | 4.0 | 4.0 | 4.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 26 October 2025 | Disbursement | 4.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4.0 | false | false |
| 27 October 2025 | Repayment | 4.0 | 4.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan is closed with zero outstanding balance and it's all installments have obligations met