271 lines
11 KiB
PHP
271 lines
11 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'] ?? 0);
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$error = '';
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$msg = '';
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$stmt = $pdo->prepare("
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SELECT *
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FROM loans
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WHERE id = ? AND user_id = ?
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");
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$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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$accountId = !empty($_POST['account_id']) ? (int)$_POST['account_id'] : null;
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$paymentDate = $_POST['payment_date'] ?? date('Y-m-d');
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$principalAmount = (float)($_POST['principal_amount'] ?? 0);
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$interestAmount = (float)($_POST['interest_amount'] ?? 0);
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$feeAmount = (float)($_POST['fee_amount'] ?? 0);
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$description = trim($_POST['description'] ?? '') ?: null;
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prepay_loan(
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$uid,
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$id,
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$accountId,
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$paymentDate,
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$principalAmount,
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$interestAmount,
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$feeAmount,
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$description
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);
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$msg = '중도상환 처리되었습니다.';
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$stmt->execute([$id, $uid]);
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$loan = $stmt->fetch();
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} catch (Throwable $e) {
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$error = $e->getMessage();
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}
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}
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$summary = get_loan_remaining_summary($id);
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$stmt = $pdo->prepare("
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SELECT *
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FROM loan_schedules
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WHERE loan_id = ?
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ORDER BY cycle_no ASC
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");
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$stmt->execute([$id]);
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$schedules = $stmt->fetchAll();
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$stmt = $pdo->prepare("
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SELECT *
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FROM loan_payments
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WHERE loan_id = ?
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AND payment_type = 'prepayment'
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ORDER BY payment_date DESC, id DESC
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");
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$stmt->execute([$id]);
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$prepayments = $stmt->fetchAll();
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require __DIR__ . '/../app/views/header.php';
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?>
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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 중도상환</h2>
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<a href="/loan_detail.php?id=<?= $loan['id'] ?>" class="btn btn-outline-secondary">대출 상세</a>
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</div>
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<?php if ($error): ?>
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<div class="alert alert-danger"><?= h($error) ?></div>
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<?php endif; ?>
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<?php if ($msg): ?>
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<div class="alert alert-success"><?= h($msg) ?></div>
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<?php endif; ?>
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<div class="row g-4">
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<div class="col-12 col-xl-5">
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<div class="card finance-card">
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<div class="card-body">
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<div class="eyebrow"><?= h($loan['lender_name'] ?: '-') ?></div>
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<div class="card-title-lg"><?= h($loan['loan_name']) ?></div>
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<div class="row g-3 mt-2">
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<div class="col-6">
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<div class="stat-label">현재 남은 원금</div>
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<div class="stat-value"><?= won($loan['current_principal_balance']) ?></div>
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</div>
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<div class="col-6">
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<div class="stat-label">연이자율</div>
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<div class="stat-value"><?= h((string)$loan['annual_interest_rate']) ?>%</div>
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</div>
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<div class="col-6">
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<div class="stat-label">남은 스케줄 원금</div>
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<div class="stat-value"><?= won($summary['remaining_principal']) ?></div>
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</div>
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<div class="col-6">
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<div class="stat-label">남은 스케줄 이자</div>
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<div class="stat-value text-danger"><?= won($summary['remaining_interest']) ?></div>
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</div>
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</div>
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<hr>
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<form method="post" class="row g-3">
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<div class="col-12">
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<label class="form-label">출금계좌</label>
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<select name="account_id" class="form-select">
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<option value="">선택안함</option>
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<?php foreach ($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>
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<div class="col-12">
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<label class="form-label">중도상환일</label>
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<input type="date" name="payment_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">중도상환 원금</label>
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<input type="number" name="principal_amount" class="form-control" min="0" step="1" 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">추가 이자</label>
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<input type="number" name="interest_amount" class="form-control" min="0" step="1" value="0">
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</div>
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<div class="col-12 col-md-4">
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<label class="form-label">수수료</label>
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<input type="number" name="fee_amount" class="form-control" min="0" step="1" value="0">
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</div>
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<div class="col-12">
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<label class="form-label">메모</label>
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<input type="text" name="description" class="form-control" placeholder="예: 중도상환">
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</div>
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<div class="col-12">
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<button class="btn btn-danger" onclick="return confirm('중도상환 처리 후 남은 회차 스케줄이 재계산됩니다. 진행하시겠습니까?');">
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중도상환 실행
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</button>
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</div>
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</form>
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</div>
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</div>
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<div class="card finance-card mt-4">
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<div class="card-body">
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<h5 class="mb-3">중도상환 이력</h5>
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<div class="mobile-scroll">
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<table class="table align-middle mb-0">
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<thead>
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<tr>
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<th>일자</th>
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<th class="text-end">원금</th>
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<th class="text-end">이자</th>
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<th class="text-end">수수료</th>
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<th class="text-end">합계</th>
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</tr>
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</thead>
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<tbody>
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<?php foreach ($prepayments as $p): ?>
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<tr>
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<td>
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<?= h($p['payment_date']) ?>
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<?php if (!empty($p['description'])): ?>
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<div class="small text-secondary"><?= h($p['description']) ?></div>
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<?php endif; ?>
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</td>
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<td class="text-end"><?= won($p['principal_amount']) ?></td>
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<td class="text-end text-danger"><?= won($p['interest_amount']) ?></td>
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<td class="text-end text-danger"><?= won($p['fee_amount']) ?></td>
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<td class="text-end fw-bold"><?= won($p['total_amount']) ?></td>
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</tr>
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<?php endforeach; ?>
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<?php if (!$prepayments): ?>
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<tr>
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<td colspan="5" class="text-center text-secondary py-4">중도상환 이력이 없습니다.</td>
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</tr>
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<?php endif; ?>
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</tbody>
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</table>
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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 col-xl-7">
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<div class="card finance-card">
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<div class="card-body">
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<h5 class="mb-3">현재 스케줄</h5>
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<div class="mobile-scroll">
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<table class="table align-middle mb-0">
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<thead>
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<tr>
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<th>회차</th>
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<th>납부일</th>
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<th>구간</th>
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<th class="text-end">기초원금</th>
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<th class="text-end">원금</th>
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<th class="text-end">이자</th>
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<th class="text-end">합계</th>
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<th class="text-end">기말원금</th>
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<th>상태</th>
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</tr>
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</thead>
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<tbody>
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<?php foreach ($schedules as $s): ?>
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<tr>
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<td><?= $s['cycle_no'] ?></td>
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<td><?= h($s['due_date']) ?></td>
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<td><?= $s['payment_phase'] === 'grace' ? '거치' : '상환' ?></td>
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<td class="text-end"><?= won($s['opening_principal']) ?></td>
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<td class="text-end"><?= won($s['scheduled_principal']) ?></td>
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<td class="text-end text-danger"><?= won($s['scheduled_interest']) ?></td>
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<td class="text-end fw-bold"><?= won($s['scheduled_total']) ?></td>
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<td class="text-end"><?= won($s['closing_principal']) ?></td>
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<td>
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<?php if ((int)$s['is_paid'] === 1): ?>
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<span class="badge text-bg-success">납부완료</span>
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<?php else: ?>
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<span class="badge text-bg-secondary">미납</span>
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<?php endif; ?>
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</td>
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</tr>
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<?php endforeach; ?>
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<?php if (!$schedules): ?>
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<tr>
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<td colspan="9" class="text-center text-secondary py-4">스케줄이 없습니다.</td>
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</tr>
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<?php endif; ?>
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</tbody>
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</table>
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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>
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<?php require __DIR__ . '/../app/views/footer.php'; ?>
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