prepare("SELECT * FROM loans WHERE user_id = ? AND is_active = 1 ORDER BY id DESC");
$stmt->execute([$uid]);
$loans = $stmt->fetchAll();
$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();
$stmt = $pdo->prepare("SELECT * FROM categories WHERE user_id = ? AND category_type = 'expense' AND is_active = 1 ORDER BY sort_order, id");
$stmt->execute([$uid]);
$categories = $stmt->fetchAll();
if ($_SERVER['REQUEST_METHOD'] === 'POST') {
try {
$loanId = (int)($_POST['loan_id'] ?? 0);
$accountId = (int)($_POST['account_id'] ?? 0);
$paymentDate = $_POST['payment_date'] ?? date('Y-m-d');
$totalAmount = (float)($_POST['total_amount'] ?? 0);
$principalAmount = (float)($_POST['principal_amount'] ?? 0);
$interestAmount = (float)($_POST['interest_amount'] ?? 0);
$feeAmount = (float)($_POST['fee_amount'] ?? 0);
$categoryId = (int)($_POST['category_id'] ?? 0);
$description = trim($_POST['description'] ?? '') ?: null;
$skipDuplicate = isset($_POST['skip_duplicate']);
if ($loanId <= 0 || $accountId <= 0 || $categoryId <= 0) {
throw new RuntimeException('대출, 출금계좌, 카테고리를 선택하세요.');
}
if ($totalAmount <= 0) {
throw new RuntimeException('총 납부금액은 0보다 커야 합니다.');
}
if (($principalAmount + $interestAmount + $feeAmount) != $totalAmount) {
throw new RuntimeException('원금 + 이자 + 수수료 합계가 총 납부금액과 같아야 합니다.');
}
$inserted = create_loan_payment([
'user_id' => $uid,
'loan_id' => $loanId,
'account_id' => $accountId,
'payment_date' => $paymentDate,
'total_amount' => $totalAmount,
'principal_amount' => $principalAmount,
'interest_amount' => $interestAmount,
'fee_amount' => $feeAmount,
'category_id' => $categoryId,
'description' => $description,
], $skipDuplicate);
$msg = $inserted ? '상환 내역이 저장되었습니다.' : '중복으로 판단되어 건너뛰었습니다.';
} catch (Throwable $e) {
$error = $e->getMessage();
}
}
require __DIR__ . '/../app/views/header.php';
?>
대출 상환 등록