247 lines
9.7 KiB
PHP
247 lines
9.7 KiB
PHP
<?php
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require_once __DIR__ . '/../app/lib/auth.php';
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require_once __DIR__ . '/../app/lib/db.php';
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require_once __DIR__ . '/../app/lib/helpers.php';
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require_once __DIR__ . '/../app/lib/loan_service.php';
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check_auth();
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$pdo = db();
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$uid = user_id();
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$error = '';
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$stmt = $pdo->prepare("
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SELECT * FROM accounts
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WHERE user_id = ?
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AND is_active = 1
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AND account_type IN ('bank','cash','other')
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ORDER BY id ASC
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");
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$stmt->execute([$uid]);
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$accounts = $stmt->fetchAll();
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if ($_SERVER['REQUEST_METHOD'] === 'POST') {
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try {
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$loanName = trim($_POST['loan_name'] ?? '');
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$lenderName = trim($_POST['lender_name'] ?? '');
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$principalAmount = (float)($_POST['principal_amount'] ?? 0);
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$annualInterestRate = (float)($_POST['annual_interest_rate'] ?? 0);
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$startDate = $_POST['start_date'] ?? date('Y-m-d');
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$graceMonths = (int)($_POST['grace_period_months'] ?? 0);
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$repaymentMonths = (int)($_POST['repayment_months'] ?? 0);
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$repaymentMethod = $_POST['repayment_method'] ?? '';
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$paymentDay = (int)($_POST['payment_day'] ?? 1);
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$accountId = !empty($_POST['account_id']) ? (int)$_POST['account_id'] : null;
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$description = trim($_POST['description'] ?? '');
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$createFullHistory = !empty($_POST['create_full_history']) ? 1 : 0;
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if ($loanName === '') {
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throw new RuntimeException('대출명을 입력하세요.');
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}
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if ($principalAmount <= 0) {
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throw new RuntimeException('대출원금은 0보다 커야 합니다.');
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}
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if ($annualInterestRate < 0) {
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throw new RuntimeException('연이자율이 올바르지 않습니다.');
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}
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if ($repaymentMonths <= 0) {
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throw new RuntimeException('상환개월 수는 1 이상이어야 합니다.');
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}
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if ($paymentDay < 1 || $paymentDay > 31) {
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throw new RuntimeException('납부일은 1~31 사이여야 합니다.');
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}
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$allowed = [
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'interest_only_then_equal_payment',
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'interest_only_then_equal_principal',
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'interest_only_then_bullet',
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'equal_payment',
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'equal_principal',
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'bullet',
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];
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if (!in_array($repaymentMethod, $allowed, true)) {
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throw new RuntimeException('상환방식이 올바르지 않습니다.');
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}
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if ($createFullHistory && !$accountId) {
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throw new RuntimeException('완전 반영 방식을 사용할 때는 입출금 계좌를 선택하세요.');
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}
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create_loan_with_full_backfill([
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'user_id' => $uid,
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'account_id' => $accountId,
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'loan_name' => $loanName,
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'lender_name' => $lenderName,
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'principal_amount' => $principalAmount,
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'annual_interest_rate' => $annualInterestRate,
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'start_date' => $startDate,
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'maturity_date' => null,
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'grace_period_months' => $graceMonths,
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'repayment_months' => $repaymentMonths,
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'repayment_method' => $repaymentMethod,
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'payment_day' => $paymentDay,
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'description' => $description,
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'create_full_history' => $createFullHistory,
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'today_date' => date('Y-m-d'),
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]);
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redirect('/loans.php');
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} catch (Throwable $e) {
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$error = $e->getMessage();
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}
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}
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require __DIR__ . '/../app/views/header.php';
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?>
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<style>
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.loan-create-highlight {
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border: 1px solid rgba(37, 99, 235, 0.18);
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background: linear-gradient(180deg, rgba(37,99,235,0.06), rgba(37,99,235,0.03));
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border-radius: 16px;
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padding: 18px 18px 16px 18px;
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}
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.loan-create-highlight .title {
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font-weight: 700;
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margin-bottom: 8px;
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}
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.loan-create-highlight .desc {
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color: #5b6475;
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font-size: 14px;
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line-height: 1.6;
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}
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.loan-create-check {
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margin-top: 14px;
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padding: 14px 16px;
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background: #fff;
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border-radius: 14px;
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border: 1px solid rgba(37, 99, 235, 0.14);
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}
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.loan-create-check .form-check-label {
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font-weight: 700;
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}
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.loan-create-check small {
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display: block;
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color: #6b7280;
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margin-top: 6px;
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line-height: 1.5;
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}
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</style>
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<div class="d-flex justify-content-between align-items-center mb-4">
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<h2 class="mb-0">대출 등록</h2>
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<a href="/loans.php" class="btn btn-outline-secondary">목록</a>
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</div>
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<?php if ($error): ?>
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<div class="alert alert-danger"><?= h($error) ?></div>
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<?php endif; ?>
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<div class="card finance-card">
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<div class="card-body">
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<form method="post" class="row g-3">
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<div class="col-12 col-md-6">
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<label class="form-label">대출명</label>
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<input type="text" name="loan_name" class="form-control" required>
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</div>
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<div class="col-12 col-md-6">
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<label class="form-label">대출기관</label>
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<input type="text" name="lender_name" class="form-control">
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</div>
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<div class="col-12 col-md-4">
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<label class="form-label">대출원금</label>
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<input type="number" name="principal_amount" class="form-control" min="1" step="1" required>
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</div>
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<div class="col-12 col-md-4">
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<label class="form-label">연이자율(%)</label>
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<input type="number" name="annual_interest_rate" class="form-control" min="0" step="0.01" required>
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</div>
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<div class="col-12 col-md-4">
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<label class="form-label">시작일</label>
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<input type="date" name="start_date" class="form-control" value="<?= date('Y-m-d') ?>" required>
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</div>
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<div class="col-12 col-md-4">
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<label class="form-label">거치기간(개월)</label>
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<input type="number" name="grace_period_months" class="form-control" min="0" value="0" required>
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</div>
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<div class="col-12 col-md-4">
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<label class="form-label">상환기간(개월)</label>
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<input type="number" name="repayment_months" class="form-control" min="1" value="12" required>
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</div>
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<div class="col-12 col-md-4">
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<label class="form-label">납부일</label>
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<input type="number" name="payment_day" class="form-control" min="1" max="31" value="1" required>
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</div>
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<div class="col-12">
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<label class="form-label">상환방식</label>
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<select name="repayment_method" class="form-select" required>
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<option value="interest_only_then_equal_payment">거치 후 원리금균등</option>
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<option value="interest_only_then_equal_principal">거치 후 원금균등</option>
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<option value="interest_only_then_bullet">거치 후 만기일시상환</option>
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<option value="equal_payment">원리금균등</option>
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<option value="equal_principal">원금균등</option>
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<option value="bullet">만기일시상환</option>
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</select>
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</div>
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<div class="col-12 col-md-6">
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<label class="form-label">입출금 계좌</label>
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<select name="account_id" class="form-select">
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<option value="">선택안함</option>
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<?php foreach ($accounts as $acc): ?>
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<option value="<?= $acc['id'] ?>"><?= h($acc['account_name']) ?> (<?= h($acc['account_type']) ?>)</option>
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<?php endforeach; ?>
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</select>
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<div class="form-text">과거 거래까지 자동 생성하려면 계좌를 선택하세요.</div>
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</div>
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<div class="col-12 col-md-6">
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<label class="form-label">메모</label>
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<input type="text" name="description" class="form-control">
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</div>
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<div class="col-12">
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<div class="loan-create-highlight">
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<div class="title">완전 반영 방식</div>
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<div class="desc">
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대출 시작일이 과거라면, 대출 실행 거래와 오늘까지의 과거 상환 거래를 자동으로 모두 생성합니다.
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미래 회차는 예정 스케줄로 남겨둡니다.
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</div>
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<div class="loan-create-check">
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<div class="form-check">
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<input class="form-check-input" type="checkbox" name="create_full_history" id="create_full_history" value="1" checked>
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<label class="form-check-label" for="create_full_history">
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대출 실행 + 과거 납부분 거래내역까지 전부 자동 생성
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</label>
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<small>
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예: 2024년에 받은 대출을 지금 등록하면<br>
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대출 실행일의 유입 거래 1건 + 오늘까지 도래한 상환 거래들이 자동 생성됩니다.
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</small>
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</div>
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</div>
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</div>
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</div>
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<div class="col-12 d-flex gap-2">
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<button class="btn btn-primary">저장</button>
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<a href="/loans.php" class="btn btn-outline-secondary">목록</a>
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</div>
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</form>
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</div>
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</div>
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<?php require __DIR__ . '/../app/views/footer.php'; ?>
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