feat(banking B): bank loans + amortization schedule
Step 2 of banking. Loan creation auto-generates the full installment schedule using standard amortization (eşit taksitli kredi): monthlyPayment = P × r × (1+r)^n / ((1+r)^n − 1) Schema: - bank_loans: bankAccountId (optional FK), bankName, loanName, loanType enum (consumer/vehicle/housing/commercial/kmh/other), principal, interestRate (monthly nominal %), termMonths, monthlyPayment, startDate, paymentDay (1-28, clamped per month), status (active/closed/defaulted). - loan_installments: loanId, installmentNo, dueDate, amount, principalPart, interestPart, paid, paidAt, financeEntryId. - Indexes on bank_loans(tenantId, status) and loan_installments(tenantId, loanId) and (tenantId, paid, dueDate). Server (lib/appwrite/loan-actions.ts): - createLoanAction: validates with Zod, computes amortization including rounding-drift handling on the last installment, persists loan + N installments, audit-logs. Atomic rollback on failure (deletes any partially-created installments and the loan). - payInstallmentAction: atomically creates a finance_entry (expense, bankAccountId carried over from the loan), updates installment with paid=true + financeEntryId. If it was the last unpaid installment, marks loan status='closed'. - unpayInstallmentAction: deletes the linked finance_entry, clears paid fields, reopens the loan if it was closed. - deleteLoanAction: cascade-deletes all installments first, then the loan. UI (/finance/loans): - 3 stat cards: aktif kredi sayısı, toplam çekilen, kalan ödeme. - Loan card per loan with bank/name/type/status badges, anapara/aylık taksit/faiz/sonraki ödeme grid, progress bar (paid/total), expandable installment table. - Installment row: # / vade (red if overdue) / anapara / faiz / toplam / Ödendi-Geri al toggle. - LoanFormSheet: live preview of monthly payment, total payment, total interest as user changes principal/rate/term. paymentDay clamped 1-28 to avoid month-length issues.
This commit is contained in:
kovakmedya
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"use client";
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import { useActionState, useEffect, useState } from "react";
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import { Loader2, Save } from "lucide-react";
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import { toast } from "sonner";
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import { Button } from "@/components/ui/button";
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import { Input } from "@/components/ui/input";
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import { Label } from "@/components/ui/label";
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import {
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Select,
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SelectContent,
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SelectItem,
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SelectTrigger,
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SelectValue,
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} from "@/components/ui/select";
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import {
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Sheet,
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SheetContent,
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SheetDescription,
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SheetFooter,
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SheetHeader,
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SheetTitle,
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} from "@/components/ui/sheet";
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import { Textarea } from "@/components/ui/textarea";
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import { createLoanAction } from "@/lib/appwrite/loan-actions";
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import { initialLoanState } from "@/lib/appwrite/loan-types";
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import { formatTRY } from "@/lib/format";
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import type { BankAccountOption } from "./types";
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const NONE = "__none__";
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function computeMonthly(principal: number, ratePct: number, n: number): number {
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if (!principal || !n) return 0;
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const r = ratePct / 100;
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if (r === 0) return Number((principal / n).toFixed(2));
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const factor = Math.pow(1 + r, n);
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return Number(((principal * r * factor) / (factor - 1)).toFixed(2));
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}
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export function LoanFormSheet({
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open,
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onOpenChange,
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bankAccounts,
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}: {
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open: boolean;
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onOpenChange: (v: boolean) => void;
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bankAccounts: BankAccountOption[];
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}) {
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const [state, formAction, isPending] = useActionState(createLoanAction, initialLoanState);
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const [principal, setPrincipal] = useState(0);
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const [rate, setRate] = useState(2.5);
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const [term, setTerm] = useState(24);
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useEffect(() => {
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if (state.ok) {
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toast.success("Kredi kaydedildi, taksitler oluşturuldu.");
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onOpenChange(false);
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} else if (state.error) {
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toast.error(state.error);
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}
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// eslint-disable-next-line react-hooks/exhaustive-deps
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}, [state]);
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const monthly = computeMonthly(principal, rate, term);
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const total = monthly * term;
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const today = new Date().toISOString().slice(0, 10);
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return (
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<Sheet open={open} onOpenChange={onOpenChange}>
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<SheetContent className="flex w-full flex-col gap-0 p-0 sm:max-w-xl">
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<SheetHeader className="border-b px-6 py-4">
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<SheetTitle>Yeni kredi</SheetTitle>
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<SheetDescription>
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Kaydedince {term || 0} adet taksit otomatik hesaplanır ve eklenir.
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</SheetDescription>
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</SheetHeader>
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<form
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action={(fd) => {
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if (fd.get("bankAccountId") === NONE) fd.set("bankAccountId", "");
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formAction(fd);
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}}
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className="flex flex-1 flex-col"
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>
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<div className="flex-1 space-y-4 overflow-y-auto px-6 py-5">
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<div className="grid gap-4 md:grid-cols-2">
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<div className="grid gap-2">
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<Label htmlFor="bankName">Banka *</Label>
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<Input id="bankName" name="bankName" required placeholder="Garanti BBVA" />
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{state.fieldErrors?.bankName && (
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<p className="text-destructive text-xs">{state.fieldErrors.bankName}</p>
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)}
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</div>
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<div className="grid gap-2">
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<Label htmlFor="loanType">Tür</Label>
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<Select name="loanType" defaultValue="consumer">
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<SelectTrigger id="loanType">
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<SelectValue />
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</SelectTrigger>
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<SelectContent>
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<SelectItem value="consumer">İhtiyaç</SelectItem>
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<SelectItem value="vehicle">Taşıt</SelectItem>
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<SelectItem value="housing">Konut</SelectItem>
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<SelectItem value="commercial">Ticari</SelectItem>
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<SelectItem value="kmh">KMH</SelectItem>
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<SelectItem value="other">Diğer</SelectItem>
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</SelectContent>
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</Select>
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</div>
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</div>
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<div className="grid gap-2">
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<Label htmlFor="loanName">Kredi adı *</Label>
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<Input id="loanName" name="loanName" required placeholder="Örn. Ofis kredisi" />
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</div>
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<div className="grid gap-2">
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<Label htmlFor="bankAccountId">Bağlı hesap</Label>
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<Select name="bankAccountId" defaultValue={NONE} disabled={bankAccounts.length === 0}>
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<SelectTrigger id="bankAccountId">
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<SelectValue placeholder={bankAccounts.length === 0 ? "Önce hesap ekleyin" : "Yok"} />
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</SelectTrigger>
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<SelectContent>
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<SelectItem value={NONE}>Yok</SelectItem>
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{bankAccounts.map((b) => (
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<SelectItem key={b.id} value={b.id}>
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{b.label}
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</SelectItem>
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))}
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</SelectContent>
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</Select>
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<p className="text-muted-foreground text-xs">
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Taksit ödemeleri seçilen hesaba expense olarak yazılır.
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</p>
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</div>
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<div className="grid gap-4 md:grid-cols-3">
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<div className="grid gap-2">
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<Label htmlFor="principal">Anapara (₺) *</Label>
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<Input
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id="principal"
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name="principal"
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type="number"
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step="0.01"
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min="0.01"
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required
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value={principal || ""}
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onChange={(e) => setPrincipal(Number(e.target.value) || 0)}
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/>
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{state.fieldErrors?.principal && (
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<p className="text-destructive text-xs">{state.fieldErrors.principal}</p>
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)}
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</div>
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<div className="grid gap-2">
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<Label htmlFor="interestRate">Aylık faiz %</Label>
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<Input
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id="interestRate"
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name="interestRate"
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type="number"
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step="0.01"
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min="0"
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max="100"
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required
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value={rate}
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onChange={(e) => setRate(Number(e.target.value) || 0)}
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/>
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</div>
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<div className="grid gap-2">
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<Label htmlFor="termMonths">Vade (ay) *</Label>
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<Input
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id="termMonths"
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name="termMonths"
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type="number"
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min="1"
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max="480"
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required
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value={term}
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onChange={(e) => setTerm(Number(e.target.value) || 0)}
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/>
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</div>
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</div>
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<div className="grid gap-4 md:grid-cols-2">
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<div className="grid gap-2">
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<Label htmlFor="startDate">Başlangıç *</Label>
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<Input
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id="startDate"
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name="startDate"
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type="date"
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defaultValue={today}
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required
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/>
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</div>
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<div className="grid gap-2">
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<Label htmlFor="paymentDay">Ödeme günü (1-28)</Label>
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<Input
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id="paymentDay"
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name="paymentDay"
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type="number"
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min="1"
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max="28"
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defaultValue={1}
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/>
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</div>
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</div>
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<div className="bg-muted/40 rounded-md border p-3 text-sm">
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<div className="flex items-center justify-between">
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<span className="text-muted-foreground">Aylık taksit</span>
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<span className="font-medium tabular-nums">{formatTRY(monthly)}</span>
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</div>
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<div className="flex items-center justify-between">
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<span className="text-muted-foreground">Toplam ödeme</span>
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<span className="font-medium tabular-nums">{formatTRY(total)}</span>
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</div>
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<div className="flex items-center justify-between">
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<span className="text-muted-foreground">Toplam faiz</span>
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<span className="tabular-nums">{formatTRY(Math.max(0, total - principal))}</span>
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</div>
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</div>
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<div className="grid gap-2">
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<Label htmlFor="notes">Notlar</Label>
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<Textarea id="notes" name="notes" rows={3} placeholder="Sözleşme no, kefiller, vb." />
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</div>
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</div>
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<SheetFooter className="border-t bg-muted/30 px-6 py-4">
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<div className="flex w-full justify-end gap-2">
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<Button type="button" variant="outline" onClick={() => onOpenChange(false)} disabled={isPending}>
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Vazgeç
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</Button>
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<Button type="submit" disabled={isPending}>
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{isPending ? (
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<>
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<Loader2 className="size-4 animate-spin" />
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Oluşturuluyor...
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</>
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) : (
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<>
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<Save className="size-4" />
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Krediyi kaydet
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</>
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)}
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</Button>
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</div>
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</SheetFooter>
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</form>
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</SheetContent>
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</Sheet>
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);
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}
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