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
@@ -0,0 +1,429 @@
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"use server";
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import { revalidatePath } from "next/cache";
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import { AppwriteException, ID, Permission, Query, Role } from "node-appwrite";
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import { z } from "zod";
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import { logAudit } from "./audit";
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import {
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DATABASE_ID,
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TABLES,
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type BankLoan,
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type LoanInstallment,
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} from "./schema";
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import { createAdminClient } from "./server";
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import { requireTenant } from "./tenant-guard";
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import type { LoanActionState } from "./loan-types";
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import { bankLoanSchema } from "@/lib/validation/bank-loans";
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function appwriteError(e: unknown): string {
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if (e instanceof AppwriteException) return e.message || "Beklenmeyen hata.";
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return "Bağlantı hatası. Tekrar deneyin.";
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}
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function flattenErrors(err: z.ZodError): Record<string, string> {
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const out: Record<string, string> = {};
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for (const issue of err.issues) {
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const key = issue.path.join(".");
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if (key && !out[key]) out[key] = issue.message;
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}
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return out;
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}
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function teamRowPermissions(tenantId: string) {
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return [
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Permission.read(Role.team(tenantId)),
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Permission.update(Role.team(tenantId)),
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Permission.delete(Role.team(tenantId, "owner")),
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Permission.delete(Role.team(tenantId, "admin")),
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];
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}
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function pickLoanFields(formData: FormData) {
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return {
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bankAccountId: String(formData.get("bankAccountId") ?? ""),
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bankName: String(formData.get("bankName") ?? "").trim(),
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loanName: String(formData.get("loanName") ?? "").trim(),
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loanType: formData.get("loanType") as
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| "consumer"
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| "vehicle"
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| "housing"
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| "commercial"
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| "kmh"
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| "other"
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| null,
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principal: String(formData.get("principal") ?? "0"),
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interestRate: String(formData.get("interestRate") ?? "0"),
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termMonths: String(formData.get("termMonths") ?? "12"),
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startDate: String(formData.get("startDate") ?? ""),
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paymentDay: String(formData.get("paymentDay") ?? "1"),
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notes: String(formData.get("notes") ?? "").trim(),
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};
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}
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function toIso(v: string): string {
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if (!v) return v;
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if (/^\d{4}-\d{2}-\d{2}$/.test(v)) return `${v}T00:00:00.000+00:00`;
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return v;
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}
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/**
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* Standard amortization (eşit taksitli kredi).
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* monthlyPayment = P × r × (1+r)^n / ((1+r)^n − 1)
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* where r = monthly interest rate (decimal), n = termMonths
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*/
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function computeAmortization(
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principal: number,
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monthlyRatePct: number,
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n: number,
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): {
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monthlyPayment: number;
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schedule: Array<{ principalPart: number; interestPart: number; amount: number }>;
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} {
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const r = monthlyRatePct / 100;
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let monthlyPayment: number;
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if (r === 0) {
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monthlyPayment = principal / n;
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} else {
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const factor = Math.pow(1 + r, n);
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monthlyPayment = (principal * r * factor) / (factor - 1);
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}
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monthlyPayment = Number(monthlyPayment.toFixed(2));
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const schedule: Array<{ principalPart: number; interestPart: number; amount: number }> = [];
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let remaining = principal;
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for (let i = 0; i < n; i++) {
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const interestPart = Number((remaining * r).toFixed(2));
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let principalPart = Number((monthlyPayment - interestPart).toFixed(2));
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// Final installment absorbs rounding drift
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if (i === n - 1) {
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principalPart = Number(remaining.toFixed(2));
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}
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const amount = Number((interestPart + principalPart).toFixed(2));
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remaining = Number((remaining - principalPart).toFixed(2));
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schedule.push({ principalPart, interestPart, amount });
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}
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return { monthlyPayment, schedule };
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}
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function shiftMonth(date: Date, monthsAhead: number, paymentDay: number): Date {
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const d = new Date(date.getFullYear(), date.getMonth() + monthsAhead, 1);
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// clamp paymentDay to last day of that month
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const lastDay = new Date(d.getFullYear(), d.getMonth() + 1, 0).getDate();
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d.setDate(Math.min(paymentDay, lastDay));
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return d;
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}
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export async function createLoanAction(
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_prev: LoanActionState,
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formData: FormData,
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): Promise<LoanActionState> {
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let ctx;
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try {
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ctx = await requireTenant();
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} catch {
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return { ok: false, error: "Yetkiniz yok." };
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}
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const parsed = bankLoanSchema.safeParse(pickLoanFields(formData));
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if (!parsed.success) {
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return { ok: false, error: "Form geçersiz.", fieldErrors: flattenErrors(parsed.error) };
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}
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const { schedule, monthlyPayment } = computeAmortization(
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parsed.data.principal,
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parsed.data.interestRate,
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parsed.data.termMonths,
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);
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let loanId: string | null = null;
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const admin = createAdminClient();
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try {
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const loan = await admin.tablesDB.createRow(
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DATABASE_ID,
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TABLES.bankLoans,
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ID.unique(),
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{
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tenantId: ctx.tenantId,
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createdBy: ctx.user.id,
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bankAccountId: parsed.data.bankAccountId,
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bankName: parsed.data.bankName,
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loanName: parsed.data.loanName,
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loanType: parsed.data.loanType,
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principal: parsed.data.principal,
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interestRate: parsed.data.interestRate,
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termMonths: parsed.data.termMonths,
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monthlyPayment,
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startDate: toIso(parsed.data.startDate),
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paymentDay: parsed.data.paymentDay,
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status: "active",
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notes: parsed.data.notes,
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},
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teamRowPermissions(ctx.tenantId),
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);
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loanId = loan.$id;
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const start = new Date(toIso(parsed.data.startDate));
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for (let i = 0; i < parsed.data.termMonths; i++) {
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const due = shiftMonth(start, i + 1, parsed.data.paymentDay ?? 1);
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const slice = schedule[i];
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await admin.tablesDB.createRow(
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DATABASE_ID,
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TABLES.loanInstallments,
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ID.unique(),
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{
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tenantId: ctx.tenantId,
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loanId,
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installmentNo: i + 1,
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dueDate: due.toISOString(),
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amount: slice.amount,
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principalPart: slice.principalPart,
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interestPart: slice.interestPart,
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paid: false,
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},
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teamRowPermissions(ctx.tenantId),
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);
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}
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await logAudit({
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tenantId: ctx.tenantId,
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userId: ctx.user.id,
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action: "create",
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entityType: "bank_loan",
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entityId: loan.$id,
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changes: { ...parsed.data, monthlyPayment, installments: parsed.data.termMonths },
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});
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} catch (e) {
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if (loanId) {
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// Best-effort rollback: delete partially-created installments + loan
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try {
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const partial = await admin.tablesDB.listRows({
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databaseId: DATABASE_ID,
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tableId: TABLES.loanInstallments,
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queries: [
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Query.equal("tenantId", ctx.tenantId),
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Query.equal("loanId", loanId),
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Query.limit(500),
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],
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});
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for (const r of partial.rows) {
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await admin.tablesDB.deleteRow(DATABASE_ID, TABLES.loanInstallments, r.$id);
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}
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await admin.tablesDB.deleteRow(DATABASE_ID, TABLES.bankLoans, loanId);
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} catch {
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/* ignore */
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}
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}
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return { ok: false, error: appwriteError(e) };
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}
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revalidatePath("/finance/loans");
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return { ok: true, loanId };
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}
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export async function deleteLoanAction(formData: FormData): Promise<LoanActionState> {
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const id = String(formData.get("id") ?? "");
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if (!id) return { ok: false, error: "ID eksik." };
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let ctx;
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try {
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ctx = await requireTenant();
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} catch {
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return { ok: false, error: "Yetkiniz yok." };
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}
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try {
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const { tablesDB } = createAdminClient();
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const existing = (await tablesDB.getRow(
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DATABASE_ID,
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TABLES.bankLoans,
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id,
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)) as unknown as BankLoan;
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if (existing.tenantId !== ctx.tenantId) {
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return { ok: false, error: "Erişim engellendi." };
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}
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// Delete installments first
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const installments = await tablesDB.listRows({
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databaseId: DATABASE_ID,
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tableId: TABLES.loanInstallments,
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queries: [
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Query.equal("tenantId", ctx.tenantId),
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Query.equal("loanId", id),
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Query.limit(500),
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],
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});
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for (const r of installments.rows) {
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await tablesDB.deleteRow(DATABASE_ID, TABLES.loanInstallments, r.$id);
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}
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await tablesDB.deleteRow(DATABASE_ID, TABLES.bankLoans, id);
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await logAudit({
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tenantId: ctx.tenantId,
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userId: ctx.user.id,
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action: "delete",
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entityType: "bank_loan",
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entityId: id,
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changes: { loanName: existing.loanName, installments: installments.rows.length },
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});
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} catch (e) {
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return { ok: false, error: appwriteError(e) };
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}
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revalidatePath("/finance/loans");
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return { ok: true };
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}
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export async function payInstallmentAction(formData: FormData): Promise<LoanActionState> {
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const id = String(formData.get("id") ?? "");
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if (!id) return { ok: false, error: "ID eksik." };
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let ctx;
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try {
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ctx = await requireTenant();
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} catch {
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return { ok: false, error: "Yetkiniz yok." };
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}
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try {
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const { tablesDB } = createAdminClient();
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const existing = (await tablesDB.getRow(
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DATABASE_ID,
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TABLES.loanInstallments,
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id,
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)) as unknown as LoanInstallment;
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if (existing.tenantId !== ctx.tenantId) {
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return { ok: false, error: "Erişim engellendi." };
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}
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if (existing.paid) {
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return { ok: false, error: "Bu taksit zaten ödenmiş." };
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}
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const loan = (await tablesDB.getRow(
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DATABASE_ID,
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TABLES.bankLoans,
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existing.loanId,
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)) as unknown as BankLoan;
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// Create finance entry: expense, linked
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const fe = await tablesDB.createRow(
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DATABASE_ID,
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TABLES.financeEntries,
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ID.unique(),
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{
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tenantId: ctx.tenantId,
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createdBy: ctx.user.id,
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type: "expense",
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amount: existing.amount,
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date: new Date().toISOString(),
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description: `${loan.bankName} — ${loan.loanName} #${existing.installmentNo} taksit ödemesi`,
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bankAccountId: loan.bankAccountId,
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},
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teamRowPermissions(ctx.tenantId),
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);
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await tablesDB.updateRow(DATABASE_ID, TABLES.loanInstallments, id, {
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paid: true,
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paidAt: new Date().toISOString(),
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financeEntryId: fe.$id,
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});
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// If this was the last unpaid one, mark loan closed
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const remaining = await tablesDB.listRows({
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databaseId: DATABASE_ID,
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tableId: TABLES.loanInstallments,
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queries: [
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Query.equal("tenantId", ctx.tenantId),
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Query.equal("loanId", existing.loanId),
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Query.equal("paid", false),
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Query.limit(1),
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],
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});
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if (remaining.rows.length === 0) {
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await tablesDB.updateRow(DATABASE_ID, TABLES.bankLoans, existing.loanId, {
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status: "closed",
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});
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}
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await logAudit({
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tenantId: ctx.tenantId,
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userId: ctx.user.id,
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action: "update",
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entityType: "loan_installment",
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entityId: id,
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changes: { paid: true, financeEntryId: fe.$id, amount: existing.amount },
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});
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} catch (e) {
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return { ok: false, error: appwriteError(e) };
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}
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revalidatePath("/finance/loans");
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revalidatePath("/finance");
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return { ok: true };
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}
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export async function unpayInstallmentAction(
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formData: FormData,
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): Promise<LoanActionState> {
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const id = String(formData.get("id") ?? "");
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if (!id) return { ok: false, error: "ID eksik." };
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let ctx;
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try {
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ctx = await requireTenant();
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} catch {
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return { ok: false, error: "Yetkiniz yok." };
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}
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try {
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const { tablesDB } = createAdminClient();
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const existing = (await tablesDB.getRow(
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DATABASE_ID,
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TABLES.loanInstallments,
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id,
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)) as unknown as LoanInstallment;
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if (existing.tenantId !== ctx.tenantId) {
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return { ok: false, error: "Erişim engellendi." };
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}
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if (!existing.paid) return { ok: true };
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if (existing.financeEntryId) {
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try {
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await tablesDB.deleteRow(
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DATABASE_ID,
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TABLES.financeEntries,
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existing.financeEntryId,
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);
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} catch {
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/* ignore: maybe already gone */
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}
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}
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await tablesDB.updateRow(DATABASE_ID, TABLES.loanInstallments, id, {
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paid: false,
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paidAt: null,
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financeEntryId: null,
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});
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// If loan was closed, reopen it
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await tablesDB.updateRow(DATABASE_ID, TABLES.bankLoans, existing.loanId, {
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status: "active",
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});
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await logAudit({
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tenantId: ctx.tenantId,
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userId: ctx.user.id,
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action: "update",
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entityType: "loan_installment",
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entityId: id,
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changes: { paid: false },
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});
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} catch (e) {
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return { ok: false, error: appwriteError(e) };
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}
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revalidatePath("/finance/loans");
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revalidatePath("/finance");
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return { ok: true };
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}
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Reference in New Issue
Block a user