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FINERACT-1981: Interest recalculation - Progressive Loan Late Repayment Test Cases #4083

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FINERACT-1981: Interest recalculation - Progressive Loan Late Repayment Test Cases #4083

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87 changes: 87 additions & 0 deletions .../src/test/java/org/apache/fineract/integrationtests/LoanInterestRecalculationCOBTest.java
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Original file line number Diff line number Diff line change
Expand Up @@ -700,6 +700,93 @@ public void verifyEarlyLateRepaymentOnProgressiveLoanNextInstallmentAllocationRe
});
}

@Test
public void verifyEarlyLateRepaymentOnProgressiveLoanLastInstallmentAllocation() {
AtomicReference<Long> loanIdRef = new AtomicReference<>();
runAt("1 January 2024", () -> {
PostLoanProductsResponse loanProduct = loanProductHelper.createLoanProduct(create4IProgressive() //
.paymentAllocation(List.of(createDefaultPaymentAllocation(FuturePaymentAllocationRule.LAST_INSTALLMENT))) //
.recalculationRestFrequencyType(RecalculationRestFrequencyType.DAILY) //
);

Long loanId = applyAndApproveProgressiveLoan(client.getClientId(), loanProduct.getResourceId(), "1 January 2024", 100.0, 7.0, 6,
null);
loanIdRef.set(loanId);

disburseLoan(loanId, BigDecimal.valueOf(100), "1 January 2024");

GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId);
logLoanDetails(loanDetails);

validateFullyUnpaidRepaymentPeriod(loanDetails, 1, "01 February 2024", 16.43, 0.0, 0.0, 0.58);
validateFullyUnpaidRepaymentPeriod(loanDetails, 2, "01 March 2024", 16.52, 0.0, 0.0, 0.49);
validateFullyUnpaidRepaymentPeriod(loanDetails, 3, "01 April 2024", 16.62, 0.0, 0.0, 0.39);
validateFullyUnpaidRepaymentPeriod(loanDetails, 4, "01 May 2024", 16.72, 0.0, 0.0, 0.29);
validateFullyUnpaidRepaymentPeriod(loanDetails, 5, "01 June 2024", 16.81, 0.0, 0.0, 0.20);
validateFullyUnpaidRepaymentPeriod(loanDetails, 6, "01 July 2024", 16.90, 0.0, 0.0, 0.10);

});
runAt("15 February 2024", () -> {
Long loanId = loanIdRef.get();

inlineLoanCOBHelper.executeInlineCOB(List.of(loanId));

loanTransactionHelper.makeLoanRepayment("15 February 2024", 34.02F, loanId.intValue());

GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId);
logLoanDetails(loanDetails);

validateFullyPaidRepaymentPeriod(loanDetails, 1, "01 February 2024", 16.43, 0.0, 0.0, 0.58, 17.01);
validateFullyUnpaidRepaymentPeriod(loanDetails, 2, "01 March 2024", 16.53, 0.0, 0.0, 0.48);
validateFullyUnpaidRepaymentPeriod(loanDetails, 3, "01 April 2024", 16.72, 0.0, 0.0, 0.29);
validateFullyUnpaidRepaymentPeriod(loanDetails, 4, "01 May 2024", 16.82, 0.0, 0.0, 0.19);
validateFullyUnpaidRepaymentPeriod(loanDetails, 5, "01 June 2024", 16.49, 0.0, 0.0, 0.1);
validateFullyPaidRepaymentPeriod(loanDetails, 6, "01 July 2024", 17.01, 0.0, 0.0, 0.0, 0.0, 17.01);
});
}

@Test
public void verifyEarlyLateRepaymentOnProgressiveLoanNextInstallmentAllocationRepayDoubleOfEmi() {
AtomicReference<Long> loanIdRef = new AtomicReference<>();
runAt("1 January 2024", () -> {
PostLoanProductsResponse loanProduct = loanProductHelper.createLoanProduct(create4IProgressive());

Long loanId = applyAndApproveProgressiveLoan(client.getClientId(), loanProduct.getResourceId(), "1 January 2024", 100.0, 7.0, 6,
null);
loanIdRef.set(loanId);

disburseLoan(loanId, BigDecimal.valueOf(100), "1 January 2024");

GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId);
logLoanDetails(loanDetails);

validateFullyUnpaidRepaymentPeriod(loanDetails, 1, "01 February 2024", 16.43, 0.0, 0.0, 0.58);
validateFullyUnpaidRepaymentPeriod(loanDetails, 2, "01 March 2024", 16.52, 0.0, 0.0, 0.49);
validateFullyUnpaidRepaymentPeriod(loanDetails, 3, "01 April 2024", 16.62, 0.0, 0.0, 0.39);
validateFullyUnpaidRepaymentPeriod(loanDetails, 4, "01 May 2024", 16.72, 0.0, 0.0, 0.29);
validateFullyUnpaidRepaymentPeriod(loanDetails, 5, "01 June 2024", 16.81, 0.0, 0.0, 0.20);
validateFullyUnpaidRepaymentPeriod(loanDetails, 6, "01 July 2024", 16.90, 0.0, 0.0, 0.10);

});
runAt("15 February 2024", () -> {
Long loanId = loanIdRef.get();

inlineLoanCOBHelper.executeInlineCOB(List.of(loanId));

loanTransactionHelper.makeLoanRepayment("15 February 2024", 34.02F, loanId.intValue());

GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId);
logLoanDetails(loanDetails);

validateFullyPaidRepaymentPeriod(loanDetails, 1, "01 February 2024", 16.43, 0.0, 0.0, 0.58, 17.01);
validateFullyPaidRepaymentPeriod(loanDetails, 2, "01 March 2024", 16.73, 0.0, 0.0, 0.28, 0.0, 17.01);
validateFullyUnpaidRepaymentPeriod(loanDetails, 3, "01 April 2024", 16.42, 0.0, 0.0, 0.59);
validateFullyUnpaidRepaymentPeriod(loanDetails, 4, "01 May 2024", 16.72, 0.0, 0.0, 0.29);
validateFullyUnpaidRepaymentPeriod(loanDetails, 5, "01 June 2024", 16.81, 0.0, 0.0, 0.20);
validateFullyUnpaidRepaymentPeriod(loanDetails, 6, "01 July 2024", 16.89, 0.0, 0.0, 0.10);
});
}

@Test
public void verifyLoanInstallmentRecalculatedIfThereIsOverdueInstallmentOn4IProgressiveLoanCOBStepOnePaid() {
AtomicReference<Long> loanIdRef = new AtomicReference<>();
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