mansi75 commented on PR #5813:
URL: https://github.com/apache/fineract/pull/5813#issuecomment-4359007593

   @adamsaghy Thank you for the correction. After checking the actual Loan.java 
source:
   
       @ManyToOne(fetch = FetchType.LAZY)
       @JoinColumn(name = "product_id", nullable = false)
       private LoanProduct loanProduct;
   
   loanProduct IS lazily loaded but  it cannot be null in practice since 
nullable = false and DelinquencyReadPlatformServiceImpl is annotated 
@Transactional, so it is open for entire method call. So I agree there is no 
real-world scenario where getLoanProduct() returns null and I have not noticed 
NPE anywhere. I will revert the unnecessary null guards and keep only the 
single operator fix. 
   Sorry for the confusion 


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