prepare("
SELECT *
FROM loans
WHERE id = ? AND user_id = ?
");
$stmt->execute([$id, $uid]);
$loan = $stmt->fetch();
if (!$loan) {
exit('대출 정보를 찾을 수 없습니다.');
}
$stmt = $pdo->prepare("
SELECT * FROM accounts
WHERE user_id = ?
AND is_active = 1
AND account_type IN ('bank','cash','other')
ORDER BY id ASC
");
$stmt->execute([$uid]);
$accounts = $stmt->fetchAll();
if ($_SERVER['REQUEST_METHOD'] === 'POST') {
try {
$accountId = !empty($_POST['account_id']) ? (int)$_POST['account_id'] : null;
$paymentDate = $_POST['payment_date'] ?? date('Y-m-d');
$principalAmount = (float)($_POST['principal_amount'] ?? 0);
$interestAmount = (float)($_POST['interest_amount'] ?? 0);
$feeAmount = (float)($_POST['fee_amount'] ?? 0);
$description = trim($_POST['description'] ?? '') ?: null;
prepay_loan(
$uid,
$id,
$accountId,
$paymentDate,
$principalAmount,
$interestAmount,
$feeAmount,
$description
);
$msg = '중도상환 처리되었습니다.';
$stmt->execute([$id, $uid]);
$loan = $stmt->fetch();
} catch (Throwable $e) {
$error = $e->getMessage();
}
}
$summary = get_loan_remaining_summary($id);
$stmt = $pdo->prepare("
SELECT *
FROM loan_schedules
WHERE loan_id = ?
ORDER BY cycle_no ASC
");
$stmt->execute([$id]);
$schedules = $stmt->fetchAll();
$stmt = $pdo->prepare("
SELECT *
FROM loan_payments
WHERE loan_id = ?
AND payment_type = 'prepayment'
ORDER BY payment_date DESC, id DESC
");
$stmt->execute([$id]);
$prepayments = $stmt->fetchAll();
require __DIR__ . '/../app/views/header.php';
?>