223 lines
9.6 KiB
PHP
223 lines
9.6 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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$id = (int)($_GET['id'] ?? $_POST['id'] ?? 0);
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$error = '';
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$stmt = $pdo->prepare("
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SELECT *
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FROM loans
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WHERE id = ? AND user_id = ?
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LIMIT 1
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");
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$stmt->execute([$id, $uid]);
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$loan = $stmt->fetch();
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if (!$loan) {
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exit('대출 정보를 찾을 수 없습니다.');
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}
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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, $allowed, true)) {
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throw new RuntimeException('상환방식이 올바르지 않습니다.');
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}
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update_loan_and_rebuild_full_history($uid, $id, [
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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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'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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header('Location: /loans.php');
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exit;
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} catch (Throwable $e) {
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$error = $e->getMessage();
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}
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}
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require __DIR__ . '/../app/views/header.php';
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?>
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<div class="page-head">
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<h2>대출 수정</h2>
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<a href="/loans.php" class="btn btn-outline-secondary">목록</a>
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</div>
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<?php if ($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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<input type="hidden" name="id" value="<?= $loan['id'] ?>">
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<div class="col-12 col-md-6">
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<label class="form-label">대출명</label>
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<input type="text" name="loan_name" class="form-control" value="<?= h($loan['loan_name']) ?>" 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" value="<?= h($loan['lender_name'] ?? '') ?>">
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</div>
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<div class="col-12 col-md-4">
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<label class="form-label">대출원금</label>
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<input type="number" name="principal_amount" class="form-control" min="1" step="1" value="<?= h((string)$loan['principal_amount']) ?>" 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" value="<?= h((string)$loan['annual_interest_rate']) ?>" required>
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</div>
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<div class="col-12 col-md-4">
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<label class="form-label">시작일</label>
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<input type="date" name="start_date" class="form-control" value="<?= h($loan['start_date']) ?>" 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="<?= h((string)$loan['grace_period_months']) ?>" required>
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</div>
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<div class="col-12 col-md-4">
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<label class="form-label">상환기간(개월)</label>
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<input type="number" name="repayment_months" class="form-control" min="1" value="<?= h((string)$loan['repayment_months']) ?>" 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="<?= h((string)$loan['payment_day']) ?>" 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" <?= $loan['repayment_method'] === 'interest_only_then_equal_payment' ? 'selected' : '' ?>>거치 후 원리금균등</option>
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<option value="interest_only_then_equal_principal" <?= $loan['repayment_method'] === 'interest_only_then_equal_principal' ? 'selected' : '' ?>>거치 후 원금균등</option>
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<option value="interest_only_then_bullet" <?= $loan['repayment_method'] === 'interest_only_then_bullet' ? 'selected' : '' ?>>거치 후 만기일시상환</option>
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<option value="equal_payment" <?= $loan['repayment_method'] === 'equal_payment' ? 'selected' : '' ?>>원리금균등</option>
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<option value="equal_principal" <?= $loan['repayment_method'] === 'equal_principal' ? 'selected' : '' ?>>원금균등</option>
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<option value="bullet" <?= $loan['repayment_method'] === 'bullet' ? 'selected' : '' ?>>만기일시상환</option>
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</select>
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</div>
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<div class="col-12 col-md-6">
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<label class="form-label">입출금 계좌</label>
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<select name="account_id" class="form-select">
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<option value="">선택안함</option>
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<?php foreach ($accounts as $acc): ?>
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<option value="<?= $acc['id'] ?>" <?= (int)$loan['account_id'] === (int)$acc['id'] ? 'selected' : '' ?>>
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<?= h($acc['account_name']) ?> (<?= h($acc['account_type']) ?>)
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</option>
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<?php endforeach; ?>
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</select>
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</div>
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<div class="col-12 col-md-6">
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<label class="form-label">메모</label>
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<input type="text" name="description" class="form-control" value="<?= h($loan['description'] ?? '') ?>">
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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">수정 시 전체 재계산</div>
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<div class="desc">
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대출 정보를 수정하면 기존 스케줄과 자동반영 이력을 다시 생성합니다.
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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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수정 후 자동반영까지 다시 적용
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</label>
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<small>
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과거 회차는 자동 반영, 미래 회차는 예정 상태로 다시 생성합니다.
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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">취소</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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