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FINERACT-2176 - Added use case to check interest portion for Charge-o…
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…ff when backdated full repayment happens on same period
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@tamasszabo-dpc @adamsaghy
tamasszabo-dpc authored and adamsaghy committed Feb 26, 2025
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61 changes: 61 additions & 0 deletions fineract-e2e-tests-runner/src/test/resources/features/LoanChargeOff.feature
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Expand Up @@ -6278,3 +6278,64 @@ Feature: Charge-off
| 15 February 2024 | Waive loan charges | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 83.59 | false | false |
| 15 February 2024 | Charge-off | 88.81 | 83.59 | 0.22 | 5.0 | 0.0 | 0.0 | false | true |

@TestRailId:C3508
Scenario: Verify interest portion on Charge-off transaction in case of backdated full repayment on the same period
When Admin sets the business date to "01 January 2023"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ZERO_INTEREST_CHARGE_OFF | 01 January 2023 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
And Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2023 | | 835.74 | 164.26 | 5.83 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
| 2 | 28 | 01 March 2023 | | 670.53 | 165.21 | 4.88 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
| 3 | 31 | 01 April 2023 | | 504.35 | 166.18 | 3.91 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
| 4 | 30 | 01 May 2023 | | 337.2 | 167.15 | 2.94 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
| 5 | 31 | 01 June 2023 | | 169.08 | 168.12 | 1.97 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
| 6 | 30 | 01 July 2023 | | 0.0 | 169.08 | 0.99 | 0.0 | 0.0 | 170.07 | 0.0 | 0.0 | 0.0 | 170.07 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 20.52 | 0 | 0 | 1020.52 | 0 | 0 | 0 | 1020.52 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "15 January 2023"
And Customer makes "AUTOPAY" repayment on "15 January 2023" with 170.09 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2023 | 15 January 2023 | 832.54 | 167.46 | 2.63 | 0.0 | 0.0 | 170.09 | 170.09 | 170.09 | 0.0 | 0.0 |
| 2 | 28 | 01 March 2023 | | 669.98 | 162.56 | 7.53 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
| 3 | 31 | 01 April 2023 | | 503.8 | 166.18 | 3.91 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
| 4 | 30 | 01 May 2023 | | 336.65 | 167.15 | 2.94 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
| 5 | 31 | 01 June 2023 | | 168.52 | 168.13 | 1.96 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
| 6 | 30 | 01 July 2023 | | 0.0 | 168.52 | 0.98 | 0.0 | 0.0 | 169.5 | 0.0 | 0.0 | 0.0 | 169.5 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 19.95 | 0 | 0 | 1019.95 | 170.09 | 170.09 | 0 | 849.86 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 15 January 2023 | Repayment | 170.09 | 167.46 | 2.63 | 0.0 | 0.0 | 832.54 | false | false |
When Admin sets the business date to "31 January 2023"
And Admin does charge-off the loan on "31 January 2023"
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2023 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2023 | 15 January 2023 | 835.05 | 164.95 | 5.14 | 0.0 | 0.0 | 170.09 | 170.09 | 170.09 | 0.0 | 0.0 |
| 2 | 28 | 01 March 2023 | | 664.96 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
| 3 | 31 | 01 April 2023 | | 494.87 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
| 4 | 30 | 01 May 2023 | | 324.78 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
| 5 | 31 | 01 June 2023 | | 154.69 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 | 0.0 | 0.0 | 0.0 | 170.09 |
| 6 | 30 | 01 July 2023 | | 0.0 | 154.69 | 0.0 | 0.0 | 0.0 | 154.69 | 0.0 | 0.0 | 0.0 | 154.69 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000 | 5.14 | 0 | 0 | 1005.14 | 170.09 | 170.09 | 0 | 835.05 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2023 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 15 January 2023 | Repayment | 170.09 | 167.46 | 2.63 | 0.0 | 0.0 | 832.54 | false | false |
| 31 January 2023 | Charge-off | 835.05 | 832.54 | 2.51 | 0.0 | 0.0 | 0.0 | false | false |

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