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 { useState, useTransition } from "react";
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import {
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Banknote,
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Check,
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ChevronDown,
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ChevronUp,
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Loader2,
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Plus,
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RotateCcw,
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Trash2,
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} from "lucide-react";
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import { toast } from "sonner";
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import { Badge } from "@/components/ui/badge";
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import { Button } from "@/components/ui/button";
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import { Card, CardContent } from "@/components/ui/card";
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import {
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Dialog,
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DialogContent,
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DialogDescription,
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DialogFooter,
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DialogHeader,
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DialogTitle,
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} from "@/components/ui/dialog";
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import {
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Table,
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TableBody,
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TableCell,
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TableHead,
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TableHeader,
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TableRow,
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} from "@/components/ui/table";
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import {
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deleteLoanAction,
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payInstallmentAction,
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unpayInstallmentAction,
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} from "@/lib/appwrite/loan-actions";
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import { formatDate, formatTRY } from "@/lib/format";
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import { cn } from "@/lib/utils";
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import { LoanFormSheet } from "./loan-form-sheet";
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import {
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type BankAccountOption,
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type InstallmentRow,
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LOAN_STATUS_LABEL,
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LOAN_TYPE_LABEL,
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type LoanRow,
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} from "./types";
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type Props = {
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loans: LoanRow[];
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installments: InstallmentRow[];
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bankAccounts: BankAccountOption[];
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};
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export function LoansClient({ loans, installments, bankAccounts }: Props) {
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const [formOpen, setFormOpen] = useState(false);
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const [expanded, setExpanded] = useState<string | null>(null);
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const [deleting, setDeleting] = useState<LoanRow | null>(null);
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const [busy, startTransition] = useTransition();
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const totalPrincipal = loans
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.filter((l) => l.status === "active")
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.reduce((s, l) => s + l.principal, 0);
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const totalRemaining = loans
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.filter((l) => l.status === "active")
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.reduce((s, l) => s + (l.totalAmount - l.paidAmount), 0);
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const installmentsByLoan = new Map<string, InstallmentRow[]>();
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for (const i of installments) {
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const arr = installmentsByLoan.get(i.loanId) ?? [];
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arr.push(i);
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installmentsByLoan.set(i.loanId, arr);
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}
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const togglePay = (inst: InstallmentRow) => {
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startTransition(async () => {
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const fd = new FormData();
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fd.set("id", inst.id);
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const result = inst.paid ? await unpayInstallmentAction(fd) : await payInstallmentAction(fd);
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if (result.ok) {
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toast.success(inst.paid ? "Taksit ödenmedi olarak işaretlendi." : "Taksit ödendi olarak işaretlendi.");
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} else {
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toast.error(result.error ?? "İşlem başarısız.");
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}
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});
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};
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const handleDelete = () => {
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if (!deleting) return;
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startTransition(async () => {
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const fd = new FormData();
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fd.set("id", deleting.id);
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const result = await deleteLoanAction(fd);
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if (result.ok) {
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toast.success("Kredi silindi.");
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setDeleting(null);
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} else {
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toast.error(result.error ?? "Silme başarısız.");
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}
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});
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};
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return (
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<div className="space-y-6">
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<div className="grid gap-3 md:grid-cols-3">
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<Card>
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<CardContent className="p-4">
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<p className="text-muted-foreground text-xs">Aktif kredi sayısı</p>
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<p className="mt-1 text-2xl font-semibold">
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{loans.filter((l) => l.status === "active").length}
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</p>
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</CardContent>
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</Card>
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<Card>
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<CardContent className="p-4">
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<p className="text-muted-foreground text-xs">Toplam çekilen</p>
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<p className="mt-1 text-2xl font-semibold tabular-nums">{formatTRY(totalPrincipal)}</p>
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</CardContent>
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</Card>
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<Card>
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<CardContent className="p-4">
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<p className="text-muted-foreground text-xs">Kalan ödeme</p>
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<p className="mt-1 text-2xl font-semibold tabular-nums text-amber-600 dark:text-amber-400">
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{formatTRY(totalRemaining)}
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</p>
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</CardContent>
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</Card>
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</div>
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<div className="flex justify-end">
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<Button onClick={() => setFormOpen(true)}>
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<Plus className="size-4" />
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Yeni kredi
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</Button>
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</div>
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{loans.length === 0 ? (
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<Card>
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<CardContent className="flex flex-col items-center gap-2 py-12 text-center">
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<Banknote className="text-muted-foreground size-8" />
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<p className="text-sm">Henüz kredi tanımlanmamış.</p>
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<Button variant="outline" size="sm" onClick={() => setFormOpen(true)}>
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<Plus className="size-3.5" />
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İlk krediyi ekle
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</Button>
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</CardContent>
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</Card>
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) : (
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<div className="space-y-4">
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{loans.map((loan) => {
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const isOpen = expanded === loan.id;
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const items = installmentsByLoan.get(loan.id) ?? [];
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const progressPct =
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loan.totalAmount > 0 ? (loan.paidAmount / loan.totalAmount) * 100 : 0;
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return (
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<Card key={loan.id}>
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<CardContent className="space-y-3 p-4">
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<div className="flex flex-wrap items-start justify-between gap-3">
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<div className="min-w-0 flex-1">
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<div className="flex flex-wrap items-center gap-2">
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<h3 className="font-semibold">{loan.bankName}</h3>
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<span className="text-muted-foreground">·</span>
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<span className="text-sm">{loan.loanName}</span>
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<Badge variant="outline" className="text-[10px]">
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{LOAN_TYPE_LABEL[loan.loanType]}
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</Badge>
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<Badge
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variant="outline"
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className={cn(
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"text-[10px]",
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loan.status === "active"
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? "border-blue-500/30 bg-blue-500/15 text-blue-700 dark:text-blue-300"
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: loan.status === "closed"
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? "border-emerald-500/30 bg-emerald-500/15 text-emerald-700 dark:text-emerald-300"
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: "border-red-500/30 bg-red-500/15 text-red-700 dark:text-red-300",
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)}
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>
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{LOAN_STATUS_LABEL[loan.status]}
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</Badge>
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</div>
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{loan.bankAccountLabel && (
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<p className="text-muted-foreground mt-1 text-xs">
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Hesap: {loan.bankAccountLabel}
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</p>
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)}
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</div>
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<div className="flex gap-2">
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<Button
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variant="ghost"
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size="sm"
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onClick={() => setExpanded(isOpen ? null : loan.id)}
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>
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{isOpen ? (
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<>
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<ChevronUp className="size-3.5" />
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Kapat
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</>
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) : (
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<>
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<ChevronDown className="size-3.5" />
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Taksitler ({items.length})
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</>
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)}
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</Button>
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<Button
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variant="ghost"
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size="sm"
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className="text-destructive hover:text-destructive"
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onClick={() => setDeleting(loan)}
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>
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<Trash2 className="size-3.5" />
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</Button>
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</div>
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</div>
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<div className="grid gap-2 md:grid-cols-4">
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<Stat label="Anapara" value={formatTRY(loan.principal)} />
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<Stat label="Aylık taksit" value={formatTRY(loan.monthlyPayment)} />
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<Stat label="Aylık faiz" value={`%${loan.interestRate}`} />
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<Stat
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label="Sonraki ödeme"
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value={loan.nextDue ? formatDate(loan.nextDue) : "—"}
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/>
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</div>
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<div>
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<div className="text-muted-foreground flex items-center justify-between text-xs">
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<span>
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{loan.remainingCount === 0
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? "Tüm taksitler ödendi"
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: `${loan.remainingCount} taksit kaldı`}
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</span>
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<span>
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{formatTRY(loan.paidAmount)} / {formatTRY(loan.totalAmount)}
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</span>
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</div>
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<div className="bg-muted mt-1 h-1.5 overflow-hidden rounded-full">
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<div
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className="bg-emerald-500 h-full"
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style={{ width: `${Math.min(100, progressPct)}%` }}
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/>
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</div>
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</div>
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{isOpen && (
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<div className="border-t pt-3">
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<Table>
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<TableHeader>
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<TableRow>
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<TableHead className="w-[40px]">#</TableHead>
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<TableHead>Vade</TableHead>
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<TableHead className="text-right">Anapara</TableHead>
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<TableHead className="text-right">Faiz</TableHead>
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<TableHead className="text-right">Toplam</TableHead>
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<TableHead className="text-right">Durum</TableHead>
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</TableRow>
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</TableHeader>
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<TableBody>
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{items.map((it) => {
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const overdue =
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!it.paid && new Date(it.dueDate) < new Date();
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return (
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<TableRow
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key={it.id}
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className={cn(it.paid && "opacity-60")}
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>
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<TableCell className="font-mono">{it.installmentNo}</TableCell>
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<TableCell
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className={cn(
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"text-muted-foreground text-sm",
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overdue && "text-destructive font-medium",
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)}
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>
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{formatDate(it.dueDate)}
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</TableCell>
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<TableCell className="text-right tabular-nums">
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{formatTRY(it.principalPart)}
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</TableCell>
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<TableCell className="text-right tabular-nums">
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{formatTRY(it.interestPart)}
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</TableCell>
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<TableCell className="text-right font-medium tabular-nums">
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{formatTRY(it.amount)}
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</TableCell>
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<TableCell className="text-right">
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<Button
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variant={it.paid ? "ghost" : "outline"}
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size="sm"
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disabled={busy}
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onClick={() => togglePay(it)}
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>
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{busy ? (
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<Loader2 className="size-3.5 animate-spin" />
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) : it.paid ? (
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<>
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<RotateCcw className="size-3.5" />
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Geri al
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</>
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) : (
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<>
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<Check className="size-3.5" />
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Ödendi
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</>
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)}
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</Button>
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</TableCell>
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</TableRow>
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);
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})}
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</TableBody>
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</Table>
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</div>
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)}
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</CardContent>
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</Card>
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);
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})}
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</div>
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)}
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<LoanFormSheet open={formOpen} onOpenChange={setFormOpen} bankAccounts={bankAccounts} />
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<Dialog open={Boolean(deleting)} onOpenChange={(v) => !v && setDeleting(null)}>
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<DialogContent>
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<DialogHeader>
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<DialogTitle>Krediyi sil</DialogTitle>
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<DialogDescription>
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<strong>{deleting?.bankName} — {deleting?.loanName}</strong> ve tüm taksitleri silinecek.
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Bu işlem geri alınamaz.
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</DialogDescription>
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</DialogHeader>
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<DialogFooter>
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<Button variant="outline" onClick={() => setDeleting(null)} disabled={busy}>
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Vazgeç
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</Button>
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<Button variant="destructive" onClick={handleDelete} disabled={busy}>
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{busy ? <Loader2 className="size-4 animate-spin" /> : <Trash2 className="size-4" />}
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Sil
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</Button>
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</DialogFooter>
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</DialogContent>
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</Dialog>
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</div>
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);
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}
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function Stat({ label, value }: { label: string; value: string }) {
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return (
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<div>
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<p className="text-muted-foreground text-[10px] uppercase tracking-wide">{label}</p>
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<p className="mt-0.5 text-sm font-medium tabular-nums">{value}</p>
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</div>
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);
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}
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