| @LoanUpdateApprovedAmount |
| Feature: LoanUpdateApprovedAmount |
| |
| @TestRailId:C3858 |
| Scenario: Verify update approved amount for progressive loan - UC1 |
| When Admin sets the business date to "01 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_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025" |
| Then Update loan approved amount is forbidden with amount "0" due to min allowed amount |
| When Admin successfully disburse the loan on "01 January 2025" with "1000" EUR transaction amount |
| |
| When Loan Pay-off is made on "1 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3859 |
| Scenario: Verify update approved amount after undo disbursement for single disb progressive loan - UC3 |
| When Admin sets the business date to "1 January 2025" |
| And Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| And Admin successfully disburse the loan on "1 January 2025" with "100" EUR transaction amount |
| Then Update loan approved amount with new amount "600" value |
| When Admin successfully undo disbursal |
| Then Admin fails to disburse the loan on "1 January 2025" with "700" EUR transaction amount due to exceed approved amount |
| When Admin successfully disburse the loan on "01 January 2025" with "600" EUR transaction amount |
| |
| When Loan Pay-off is made on "1 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3860 |
| Scenario: Verify update approved amount with approved over applied amount for progressive multidisbursal loan with percentage overAppliedCalculationType - UC4 |
| When Admin sets the business date to "1 January 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_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 1500 |
| And Admin successfully disburse the loan on "1 January 2025" with "1100" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 400 |
| Then Update loan approved amount is forbidden with amount "1600" due to exceed applied amount |
| Then Update loan approved amount with new amount "1300" value |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 400 |
| And Admin successfully disburse the loan on "1 January 2025" with "400" EUR transaction amount |
| |
| When Loan Pay-off is made on "1 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3861 |
| Scenario: Verify update approved amount with approved over applied amount and capitalized income for progressive loan with percentage overAppliedCalculationType - UC8_1 |
| When Admin sets the business date to "1 January 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_RECALC_EMI_360_30_APPROVED_OVER_APPLIED_PERCENTAGE_CAPITALIZED_INCOME | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 1500 |
| And Admin successfully disburse the loan on "1 January 2025" with "1100" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 400 |
| Then Update loan approved amount is forbidden with amount "1600" due to exceed applied amount |
| Then Update loan approved amount with new amount "1400" value |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 400 |
| And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "1 January 2025" with "400" EUR transaction amount |
| |
| When Loan Pay-off is made on "1 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3862 |
| Scenario: Verify update approved amount with capitalized income for progressive loan - UC8_2 |
| When Admin sets the business date to "1 January 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_360_30_INTEREST_RECALC_DAILY_CAPITALIZED_INCOME | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2025" with "900" amount and expected disbursement date on "1 January 2025" |
| And Admin successfully disburse the loan on "1 January 2025" with "600" EUR transaction amount |
| Then Update loan approved amount is forbidden with amount "500" due to higher principal amount on loan |
| And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "1 January 2025" with "200" EUR transaction amount |
| Then Update loan approved amount with new amount "1000" value |
| And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "1 January 2025" with "200" EUR transaction amount |
| |
| When Loan Pay-off is made on "1 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3863 |
| Scenario: Verify update approved amount with capitalized income for progressive multidisbursal loan - UC8_3 |
| When Admin sets the business date to "1 January 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_RECALC_EMI_360_30_MULTIDISB_CAPITALIZED_INCOME_ADJ_CUSTOM_ALLOC | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2025" with "900" amount and expected disbursement date on "1 January 2025" |
| And Admin successfully disburse the loan on "1 January 2025" with "600" EUR transaction amount |
| Then Update loan approved amount is forbidden with amount "500" due to higher principal amount on loan |
| And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "1 January 2025" with "200" EUR transaction amount |
| Then Update loan approved amount with new amount "1000" value |
| And Admin successfully disburse the loan on "1 January 2025" with "200" EUR transaction amount |
| |
| When Loan Pay-off is made on "1 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3864 |
| Scenario: Verify update approved amount before disbursement for single disb cumulative loan - UC5_1 |
| When Admin sets the business date to "1 January 2025" |
| And Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP1_INTEREST_FLAT | 1 January 2025 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER | |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| Then Update loan approved amount with new amount "900" value |
| And Admin successfully disburse the loan on "1 January 2025" with "100" EUR transaction amount |
| |
| When Loan Pay-off is made on "1 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3865 |
| Scenario: Verify update approved amount before disbursement for single disb progressive loan - UC5_2 |
| When Admin sets the business date to "1 January 2025" |
| And Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| Then Update loan approved amount with new amount "900" value |
| And Admin successfully disburse the loan on "1 January 2025" with "100" EUR transaction amount |
| |
| When Loan Pay-off is made on "1 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3866 |
| Scenario: Verify approved amount change for progressive multidisbursal loan that doesn't expect tranches - UC6 |
| When Admin sets the business date to "01 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_RECALC_DAILY_MULTIDISBURSE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025" |
| When Admin successfully disburse the loan on "01 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 | |
| | | | 01 January 2025 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2025 | | 167.15 | 32.85 | 1.17 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 2 | 28 | 01 March 2025 | | 134.11 | 33.04 | 0.98 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 3 | 31 | 01 April 2025 | | 100.87 | 33.24 | 0.78 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 4 | 30 | 01 May 2025 | | 67.44 | 33.43 | 0.59 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 5 | 31 | 01 June 2025 | | 33.81 | 33.63 | 0.39 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 6 | 30 | 01 July 2025 | | 0.0 | 33.81 | 0.2 | 0.0 | 0.0 | 34.01 | 0.0 | 0.0 | 0.0 | 34.01 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 4.11 | 0.0 | 0.0 | 204.11 | 0.0 | 0.0 | 0.0 | 204.11 | |
| Then Update loan approved amount with new amount "600" value |
| When Admin successfully disburse the loan on "01 January 2025" with "400" EUR transaction amount |
| Then Update loan approved amount is forbidden with amount "500" due to higher principal amount on loan |
| |
| When Loan Pay-off is made on "1 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3867 |
| Scenario: Verify approved amount change with lower value for progressive multidisbursal loan that expects two tranches - UC7_1 |
| When Admin sets the business date to "01 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with three expected disbursements details 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 | 1st_tranche_disb_expected_date | 1st_tranche_disb_principal | 2nd_tranche_disb_expected_date | 2nd_tranche_disb_principal | 3rd_tranche_disb_expected_date | 3rd_tranche_disb_principal | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 300.0 | 02 January 2025 | 200.0 | 03 January 2025 | 500.0 | |
| And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025" |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| Then Loan Tranche Details tab has the following data: |
| | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | |
| | 01 January 2025 | | 300.0 | | |
| | 02 January 2025 | | 200.0 | | |
| | 03 January 2025 | | 500.0 | | |
| # --- disbursement - 1 January, 2025 --- |
| When Admin successfully disburse the loan on "01 January 2025" with "300" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| When Admin sets the business date to "03 January 2025" |
| Then Update loan approved amount is forbidden with amount "800" due to higher principal amount on loan |
| |
| When Admin successfully disburse the loan on "02 January 2025" with "200" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| Then Admin fails to disburse the loan on "03 January 2025" with "700" EUR transaction amount due to exceed approved amount |
| When Admin successfully disburse the loan on "03 January 2025" with "500" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| Then Loan Tranche Details tab has the following data: |
| | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | |
| | 01 January 2025 | 01 January 2025 | 300.0 | | |
| | 02 January 2025 | 02 January 2025 | 200.0 | | |
| | 03 January 2025 | 03 January 2025 | 500.0 | | |
| And Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false | |
| | 02 January 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false | |
| | 03 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| |
| When Loan Pay-off is made on "3 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3868 |
| Scenario: Verify approved amount change with greater value for progressive multidisbursal loan that expects two tranches - UC7_2 |
| When Admin sets the business date to "01 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with three expected disbursements details 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 | 1st_tranche_disb_expected_date | 1st_tranche_disb_principal | 2nd_tranche_disb_expected_date | 2nd_tranche_disb_principal | 3rd_tranche_disb_expected_date | 3rd_tranche_disb_principal | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2025 | 1200 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 300.0 | 02 January 2025 | 200.0 | 03 January 2025 | 500.0 | |
| And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025" |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| Then Loan Tranche Details tab has the following data: |
| | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | |
| | 01 January 2025 | | 300.0 | | |
| | 02 January 2025 | | 200.0 | | |
| | 03 January 2025 | | 500.0 | | |
| # --- disbursement - 1 January, 2025 --- |
| When Admin successfully disburse the loan on "01 January 2025" with "300" EUR transaction amount |
| When Admin sets the business date to "03 January 2025" |
| Then Update loan approved amount with new amount "1200" value |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 200 |
| |
| When Admin successfully disburse the loan on "02 January 2025" with "300" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 100 |
| Then Admin fails to disburse the loan on "03 January 2025" with "700" EUR transaction amount due to exceed approved amount |
| When Admin successfully disburse the loan on "03 January 2025" with "600" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| Then Loan Tranche Details tab has the following data: |
| | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | |
| | 01 January 2025 | 01 January 2025 | 300.0 | | |
| | 02 January 2025 | 02 January 2025 | 300.0 | | |
| | 03 January 2025 | 03 January 2025 | 600.0 | | |
| And Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false | |
| | 02 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false | |
| | 03 January 2025 | Disbursement | 600.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1200.0 | false | false | |
| |
| When Loan Pay-off is made on "3 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
