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Original file line number Diff line number Diff line change
Expand Up @@ -22,6 +22,8 @@ public enum LoanRescheduleErrorMessage {

LOAN_CHARGED_OFF("Loan: %s reschedule installment is not allowed. Loan Account is Charged-off"), //
LOAN_RESCHEDULE_DATE_NOT_IN_FUTURE("Loan Reschedule From date (%s) for Loan: %s should be in the future."), //
LOAN_RESCHEDULE_FROM_DATE_INSTALLMENT_NOT_FOUND(
"Validation errors: [rescheduleFromDate] Failed data validation due to: repayment.schedule.installment.does.not.exist."), //
LOAN_LOCKED_BY_COB("Loan is locked by the COB job. Loan ID: %s"), //
LOAN_RESCHEDULE_NOT_ALLOWED_FROM_ZERO_TO_NEW_INTEREST_RATE("Failed data validation due to: newInterestRate."), //
LOAN_RESCHEDULE_NOT_ALLOWED_FROM_CURRENT_INTEREST_RATE_TO_ZERO("The parameter `newInterestRate` must be greater than 0."), //
Expand Down
Original file line number Diff line number Diff line change
Expand Up @@ -1172,6 +1172,7 @@ Feature: LoanReschedule
And Customer makes "AUTOPAY" repayment on "29 June 2025" with 60 EUR transaction amount
Then In Loan Transactions the "1"th Transaction of "Accrual Activity" on "31 October 2025" has "1" relationship with type="REPLAYED"

@TestRailId:C4391
Scenario: Verify progressive loan due date reschedule maintains EMI
When Admin sets the business date to "05 September 2025"
And Admin creates a client with random data
Expand Down Expand Up @@ -1264,6 +1265,7 @@ Feature: LoanReschedule
| 23 | 31 | 31 January 2027 | | 96.08 | 56.03 | 3.23 | 0.0 | 0.0 | 59.26 | 0.0 | 0.0 | 0.0 | 59.26 |
| 24 | 28 | 28 February 2027 | | 0.0 | 96.08 | 1.84 | 0.0 | 0.0 | 97.92 | 0.0 | 0.0 | 0.0 | 97.92 |

@TestRailId:C4392
Scenario: Verify basic loan rescheduling
When Admin sets the business date to "1 January 2024"
When Admin creates a client with random data
Expand Down Expand Up @@ -1319,6 +1321,7 @@ Feature: LoanReschedule
| 5 | 31 | 15 June 2024 | | 17.3 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 6 | 30 | 15 July 2024 | | 0.0 | 17.3 | 0.14 | 0.0 | 0.0 | 17.44 | 0.0 | 0.0 | 0.0 | 17.44 |

@TestRailId:C4393
Scenario: Verify loan rescheduling with N+1 period
When Admin sets the business date to "1 January 2024"
When Admin creates a client with random data
Expand Down Expand Up @@ -1377,6 +1380,7 @@ Feature: LoanReschedule
| 5 | 31 | 30 June 2024 | | 17.63 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
| 6 | 30 | 30 July 2024 | | 0.0 | 17.63 | 0.14 | 10.0 | 0.0 | 27.77 | 0.0 | 0.0 | 0.0 | 27.77 |

@TestRailId:C4394
Scenario: Verify loan rescheduling with automatic down payment
When Admin sets the business date to "1 January 2024"
When Admin creates a client with random data
Expand Down Expand Up @@ -1432,4 +1436,27 @@ Feature: LoanReschedule
| 3 | 43 | 15 March 2024 | | 45.56 | 14.67 | 0.69 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
| 4 | 31 | 15 April 2024 | | 30.56 | 15.0 | 0.36 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
| 5 | 30 | 15 May 2024 | | 15.44 | 15.12 | 0.24 | 0.0 | 0.0 | 15.36 | 0.0 | 0.0 | 0.0 | 15.36 |
| 6 | 31 | 15 June 2024 | | 0.0 | 15.44 | 0.12 | 0.0 | 0.0 | 15.56 | 0.0 | 0.0 | 0.0 | 15.56 |
| 6 | 31 | 15 June 2024 | | 0.0 | 15.44 | 0.12 | 0.0 | 0.0 | 15.56 | 0.0 | 0.0 | 0.0 | 15.56 |

@TestRailId:C4395
Scenario: Verify Progressive Loan reschedule with non-existing installment due date results in validation error
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_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"
And Admin successfully disburse the loan on "01 January 2024" with "100" 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 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 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 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
When Admin sets the business date to "02 April 2024"
Then Loan reschedule with the following data results a 400 error and "LOAN_RESCHEDULE_FROM_DATE_INSTALLMENT_NOT_FOUND" error message
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 01 August 2024 | 02 April 2024 | | | | 2 | |
Original file line number Diff line number Diff line change
Expand Up @@ -94,7 +94,7 @@ public void validateForCreateAction(JsonCommand jsonCommand, Loan loan) {
}

if (hasExtraTermsChange) {
validateExtraTerms(dataValidatorBuilder, loan);
validateExtraTerms(dataValidatorBuilder, loan, rescheduleFromDate);
} else if (hasAdjustDueDateChange) {
validateAdjustDueDateChange(dataValidatorBuilder, loan, rescheduleFromDate);
} else if (hasInterestRateChange) {
Expand Down Expand Up @@ -124,8 +124,10 @@ private void validateInterestRate(DataValidatorBuilder dataValidatorBuilder, Loa
validateForOverdueCharges(dataValidatorBuilder, loan, installment);
}

private void validateExtraTerms(DataValidatorBuilder dataValidatorBuilder, Loan loan) {
private void validateExtraTerms(DataValidatorBuilder dataValidatorBuilder, Loan loan, LocalDate rescheduleFromDate) {
validateLoanIsActive(loan, dataValidatorBuilder);
final LoanRepaymentScheduleInstallment installment = loan.getRelatedRepaymentScheduleInstallment(rescheduleFromDate);
validateReschedulingInstallment(dataValidatorBuilder, installment);
}

private Integer validateExtraTermsParam(FromJsonHelper fromJsonHelper, JsonElement jsonElement,
Expand Down
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