def test_loan_repayment_for_term_loan(self):
pledges = [{
"loan_security": "Test Security 2",
"qty": 4000.00
}, {
"loan_security": "Test Security 1",
"qty": 2000.00
}]
loan_application = create_loan_application(
'_Test Company', self.applicant2, 'Stock Loan', pledges,
"Repay Over Number of Periods", 12)
create_pledge(loan_application)
loan = create_loan_with_security(self.applicant2,
"Stock Loan",
"Repay Over Number of Periods",
12,
loan_application,
posting_date=add_months(
nowdate(), -1))
loan.submit()
make_loan_disbursement_entry(loan.name,
loan.loan_amount,
disbursement_date=add_months(
nowdate(), -1))
process_loan_interest_accrual_for_term_loans(posting_date=nowdate())
repayment_entry = create_repayment_entry(loan.name, self.applicant2,
add_days(nowdate(), 5),
89768.75)
repayment_entry.submit()
amounts = frappe.db.get_value(
'Loan Interest Accrual', {'loan': loan.name},
['paid_interest_amount', 'paid_principal_amount'])
self.assertEqual(amounts[0], 11250.00)
self.assertEqual(amounts[1], 78303.00)
def test_security_shortfall(self):
pledges = [{
"loan_security": "Test Security 2",
"qty": 8000.00,
"haircut": 50,
}]
loan_application = create_loan_application(
"_Test Company", self.applicant2, "Stock Loan", pledges,
"Repay Over Number of Periods", 12)
create_pledge(loan_application)
loan = create_loan_with_security(self.applicant2, "Stock Loan",
"Repay Over Number of Periods", 12,
loan_application)
loan.submit()
make_loan_disbursement_entry(loan.name, loan.loan_amount)
frappe.db.sql(
"""UPDATE `tabLoan Security Price` SET loan_security_price = 100
where loan_security='Test Security 2'""")
create_process_loan_security_shortfall()
loan_security_shortfall = frappe.get_doc("Loan Security Shortfall",
{"loan": loan.name})
self.assertTrue(loan_security_shortfall)
self.assertEqual(loan_security_shortfall.loan_amount, 1000000.00)
self.assertEqual(loan_security_shortfall.security_value, 800000.00)
self.assertEqual(loan_security_shortfall.shortfall_amount, 600000.00)
frappe.db.sql(
""" UPDATE `tabLoan Security Price` SET loan_security_price = 250
where loan_security='Test Security 2'""")
create_process_loan_security_shortfall()
loan_security_shortfall = frappe.get_doc("Loan Security Shortfall",
{"loan": loan.name})
self.assertEqual(loan_security_shortfall.status, "Completed")
self.assertEqual(loan_security_shortfall.shortfall_amount, 0)
def test_santined_loan_security_unpledge(self):
pledge = [{
"loan_security": "Test Security 1",
"qty": 4000.00
}]
loan_application = create_loan_application('_Test Company', self.applicant2, 'Demand Loan', pledge)
create_pledge(loan_application)
loan = create_demand_loan(self.applicant2, "Demand Loan", loan_application, posting_date='2019-10-01')
loan.submit()
self.assertEquals(loan.loan_amount, 1000000)
unpledge_map = {'Test Security 1': 4000}
unpledge_request = unpledge_security(loan=loan.name, security_map = unpledge_map, save=1)
unpledge_request.submit()
unpledge_request.status = 'Approved'
unpledge_request.save()
unpledge_request.submit()
def test_partial_unaccrued_interest_payment(self):
pledge = [{
"loan_security": "Test Security 1",
"qty": 4000.00
}]
loan_application = create_loan_application('_Test Company', self.applicant2, 'Demand Loan', pledge)
create_pledge(loan_application)
loan = create_demand_loan(self.applicant2, "Demand Loan", loan_application, posting_date='2019-10-01')
loan.submit()
self.assertEquals(loan.loan_amount, 1000000)
first_date = '2019-10-01'
last_date = '2019-10-30'
no_of_days = date_diff(last_date, first_date) + 1
no_of_days += 5.5
# get partial unaccrued interest amount
paid_amount = (loan.loan_amount * loan.rate_of_interest * no_of_days) \
/ (days_in_year(get_datetime(first_date).year) * 100)
make_loan_disbursement_entry(loan.name, loan.loan_amount, disbursement_date=first_date)
process_loan_interest_accrual_for_demand_loans(posting_date = last_date)
amounts = calculate_amounts(loan.name, add_days(last_date, 5))
repayment_entry = create_repayment_entry(loan.name, self.applicant2, add_days(last_date, 5),
paid_amount)
repayment_entry.submit()
repayment_entry.load_from_db()
partial_accrued_interest_amount = (loan.loan_amount * loan.rate_of_interest * 5) \
/ (days_in_year(get_datetime(first_date).year) * 100)
interest_amount = flt(amounts['interest_amount'] + partial_accrued_interest_amount, 2)
self.assertEqual(flt(repayment_entry.total_interest_paid, 0), flt(interest_amount, 0))
def test_pending_loan_amount_after_closure_request(self):
pledge = [{
"loan_security": "Test Security 1",
"qty": 4000.00
}]
loan_application = create_loan_application('_Test Company', self.applicant2, 'Demand Loan', pledge)
create_pledge(loan_application)
loan = create_demand_loan(self.applicant2, "Demand Loan", loan_application, posting_date='2019-10-01')
loan.submit()
self.assertEquals(loan.loan_amount, 1000000)
first_date = '2019-10-01'
last_date = '2019-10-30'
no_of_days = date_diff(last_date, first_date) + 1
no_of_days += 5
accrued_interest_amount = (loan.loan_amount * loan.rate_of_interest * no_of_days) \
/ (days_in_year(get_datetime(first_date).year) * 100)
make_loan_disbursement_entry(loan.name, loan.loan_amount, disbursement_date=first_date)
process_loan_interest_accrual_for_demand_loans(posting_date = last_date)
amounts = calculate_amounts(loan.name, add_days(last_date, 5))
repayment_entry = create_repayment_entry(loan.name, self.applicant2, add_days(last_date, 5), flt(loan.loan_amount + accrued_interest_amount))
repayment_entry.submit()
amounts = frappe.db.get_value('Loan Interest Accrual', {'loan': loan.name}, ['paid_interest_amount',
'paid_principal_amount'])
request_loan_closure(loan.name)
loan.load_from_db()
self.assertEquals(loan.status, "Loan Closure Requested")
amounts = calculate_amounts(loan.name, add_days(last_date, 5))
self.assertEqual(amounts['pending_principal_amount'], 0.0)
def test_regular_loan_repayment(self):
pledge = [{
"loan_security": "Test Security 1",
"qty": 4000.00
}]
loan_application = create_loan_application('_Test Company', self.applicant2, 'Demand Loan', pledge)
create_pledge(loan_application)
loan = create_demand_loan(self.applicant2, "Demand Loan", loan_application, posting_date='2019-10-01')
loan.submit()
self.assertEquals(loan.loan_amount, 1000000)
first_date = '2019-10-01'
last_date = '2019-10-30'
no_of_days = date_diff(last_date, first_date) + 1
accrued_interest_amount = flt((loan.loan_amount * loan.rate_of_interest * no_of_days)
/ (days_in_year(get_datetime(first_date).year) * 100), 2)
make_loan_disbursement_entry(loan.name, loan.loan_amount, disbursement_date=first_date)
process_loan_interest_accrual_for_demand_loans(posting_date = last_date)
repayment_entry = create_repayment_entry(loan.name, self.applicant2, add_days(last_date, 10), 111119)
repayment_entry.save()
repayment_entry.submit()
penalty_amount = (accrued_interest_amount * 5 * 25) / 100
self.assertEquals(flt(repayment_entry.penalty_amount,0), flt(penalty_amount, 0))
amounts = frappe.db.get_all('Loan Interest Accrual', {'loan': loan.name}, ['paid_interest_amount'])
loan.load_from_db()
total_interest_paid = amounts[0]['paid_interest_amount'] + amounts[1]['paid_interest_amount']
self.assertEquals(amounts[1]['paid_interest_amount'], repayment_entry.interest_payable)
self.assertEquals(flt(loan.total_principal_paid, 0), flt(repayment_entry.amount_paid -
penalty_amount - total_interest_paid, 0))
def test_disbursal_check_without_shortfall(self):
pledges = [{
"loan_security": "Test Security 2",
"qty": 8000.00,
"haircut": 50,
}]
loan_application = create_loan_application(
'_Test Company', self.applicant2, 'Stock Loan', pledges,
"Repay Over Number of Periods", 12)
create_pledge(loan_application)
loan = create_loan_with_security(self.applicant2, "Stock Loan",
"Repay Over Number of Periods", 12,
loan_application)
loan.submit()
# Disbursing 7,00,000 from the allowed 10,00,000 according to security pledge
make_loan_disbursement_entry(loan.name, 700000)
self.assertEqual(get_disbursal_amount(loan.name), 300000)
def test_penalty(self):
pledge = [{
"loan_security": "Test Security 1",
"qty": 4000.00
}]
loan_application = create_loan_application('_Test Company', self.applicant2, 'Demand Loan', pledge)
create_pledge(loan_application)
loan = create_demand_loan(self.applicant2, "Demand Loan", loan_application, posting_date='2019-10-01')
loan.submit()
self.assertEquals(loan.loan_amount, 1000000)
first_date = '2019-10-01'
last_date = '2019-10-30'
make_loan_disbursement_entry(loan.name, loan.loan_amount, disbursement_date=first_date)
process_loan_interest_accrual_for_demand_loans(posting_date = last_date)
amounts = calculate_amounts(loan.name, add_days(last_date, 1))
paid_amount = amounts['interest_amount']/2
repayment_entry = create_repayment_entry(loan.name, self.applicant2, add_days(last_date, 5),
paid_amount)
repayment_entry.submit()
# 30 days - grace period
penalty_days = 30 - 4
penalty_applicable_amount = flt(amounts['interest_amount']/2, 2)
penalty_amount = flt((((penalty_applicable_amount * 25) / 100) * penalty_days), 2)
process = process_loan_interest_accrual_for_demand_loans(posting_date = '2019-11-30')
calculated_penalty_amount = frappe.db.get_value('Loan Interest Accrual',
{'process_loan_interest_accrual': process, 'loan': loan.name}, 'penalty_amount')
self.assertEquals(calculated_penalty_amount, penalty_amount)
def test_loan_topup(self):
pledge = [{
"loan_security": "Test Security 1",
"qty": 4000.00
}]
loan_application = create_loan_application('_Test Company', self.applicant, 'Demand Loan', pledge)
create_pledge(loan_application)
loan = create_demand_loan(self.applicant, "Demand Loan", loan_application, posting_date=get_first_day(nowdate()))
loan.submit()
first_date = get_first_day(nowdate())
last_date = get_last_day(nowdate())
no_of_days = date_diff(last_date, first_date) + 1
accrued_interest_amount = (loan.loan_amount * loan.rate_of_interest * no_of_days) \
/ (days_in_year(get_datetime().year) * 100)
make_loan_disbursement_entry(loan.name, loan.loan_amount, disbursement_date=first_date)
process_loan_interest_accrual_for_demand_loans(posting_date=add_days(last_date, 1))
# Should not be able to create loan disbursement entry before repayment
self.assertRaises(frappe.ValidationError, make_loan_disbursement_entry, loan.name,
500000, first_date)
repayment_entry = create_repayment_entry(loan.name, self.applicant, add_days(get_last_day(nowdate()), 5),
"Regular Payment", 611095.89)
repayment_entry.submit()
loan.reload()
# After repayment loan disbursement entry should go through
make_loan_disbursement_entry(loan.name, 500000, disbursement_date=add_days(last_date, 16))
def test_accumulated_amounts(self):
pledge = [{
"loan_security": "Test Security 1",
"qty": 4000.00
}]
loan_application = create_loan_application('_Test Company', self.applicant, 'Demand Loan', pledge)
create_pledge(loan_application)
loan = create_demand_loan(self.applicant, "Demand Loan", loan_application,
posting_date=get_first_day(nowdate()))
loan.submit()
first_date = '2019-10-01'
last_date = '2019-10-30'
no_of_days = date_diff(last_date, first_date) + 1
accrued_interest_amount = (loan.loan_amount * loan.rate_of_interest * no_of_days) \
/ (days_in_year(get_datetime(first_date).year) * 100)
make_loan_disbursement_entry(loan.name, loan.loan_amount, disbursement_date=first_date)
process_loan_interest_accrual_for_demand_loans(posting_date=last_date)
loan_interest_accrual = frappe.get_doc("Loan Interest Accrual", {'loan': loan.name})
self.assertEquals(flt(loan_interest_accrual.interest_amount, 0), flt(accrued_interest_amount, 0))
next_start_date = '2019-10-31'
next_end_date = '2019-11-29'
no_of_days = date_diff(next_end_date, next_start_date) + 1
process = process_loan_interest_accrual_for_demand_loans(posting_date=next_end_date)
new_accrued_interest_amount = (loan.loan_amount * loan.rate_of_interest * no_of_days) \
/ (days_in_year(get_datetime(first_date).year) * 100)
total_pending_interest_amount = flt(accrued_interest_amount + new_accrued_interest_amount, 0)
loan_interest_accrual = frappe.get_doc("Loan Interest Accrual", {'loan': loan.name,
'process_loan_interest_accrual': process})
self.assertEquals(flt(loan_interest_accrual.total_pending_interest_amount, 0), total_pending_interest_amount)
def test_partial_loan_security_unpledge(self):
pledge = [{
"loan_security": "Test Security 1",
"qty": 2000.00
},
{
"loan_security": "Test Security 2",
"qty": 4000.00
}]
loan_application = create_loan_application('_Test Company', self.applicant2, 'Demand Loan', pledge)
create_pledge(loan_application)
loan = create_demand_loan(self.applicant2, "Demand Loan", loan_application, posting_date='2019-10-01')
loan.submit()
self.assertEquals(loan.loan_amount, 1000000)
first_date = '2019-10-01'
last_date = '2019-10-30'
make_loan_disbursement_entry(loan.name, loan.loan_amount, disbursement_date=first_date)
process_loan_interest_accrual_for_demand_loans(posting_date = last_date)
repayment_entry = create_repayment_entry(loan.name, self.applicant2, add_days(last_date, 5), 600000)
repayment_entry.submit()
unpledge_map = {'Test Security 2': 2000}
unpledge_request = unpledge_security(loan=loan.name, security_map = unpledge_map, save=1)
unpledge_request.submit()
unpledge_request.status = 'Approved'
unpledge_request.save()
unpledge_request.submit()
unpledge_request.load_from_db()
self.assertEqual(unpledge_request.docstatus, 1)
