[add]: Lona repayment schedule

app/models/__init__.py

@@ -7,6 +7,7 @@ from .loan_charge import LoanCharge
 from .offer import Offer
 from .charge import Charge
 from .rac_checks import RACCheck
+from .loan_repayment_schedule import LoanRepaymentSchedule
 
 
-__all__ = ['Customer', 'Account', 'Loan', 'Transaction', 'Repayment', 'LoanCharge', 'Offer', 'Charge', 'RACCheck']
+__all__ = ['Customer', 'Account', 'Loan', 'Transaction', 'Repayment', 'LoanCharge', 'Offer', 'Charge', 'RACCheck', 'LoanRepaymentSchedule']

app/models/loan.py

@@ -5,6 +5,9 @@ from app.models.account import Account
 from sqlalchemy.exc import IntegrityError
 from sqlalchemy.orm import relationship
 from app.models.loan_charge import LoanCharge
+from dateutil.relativedelta import relativedelta
+from app.models.loan_repayment_schedule import LoanRepaymentSchedule  # Make sure this import exists
+
 
 
 class Loan(db.Model):
@@ -47,6 +50,13 @@ class Loan(db.Model):
         back_populates="loan",
     )
 
+    loan_repayent_schedules = relationship(
+        "LoanRepaymentSchedule",
+        primaryjoin="Loan.id == LoanRepaymentSchedule.loan_id",
+        foreign_keys="LoanRepaymentSchedule.loan_id",
+        back_populates="loan",
+    )
+
     @classmethod
     def create_loan(
         cls,
@@ -60,6 +70,7 @@ class Loan(db.Model):
         upfront_fee,
         repayment_amount,
         installment_amount,
+        tenor,
         status="pending",
     ):
         # Check if customer exists
@@ -92,7 +103,6 @@ class Loan(db.Model):
             raise ValueError(f"Database integrity error: {err}")
         return loan
 
-
     @classmethod
     def has_active_loans(cls, customer_id):
         active_loans = cls.query.filter_by(

app/models/loan_repayment_schedule.py

@@ -0,0 +1,74 @@
+from datetime import datetime, timezone
+from app.extensions import db
+from sqlalchemy.orm import relationship
+
+class LoanRepaymentSchedule(db.Model):
+    __tablename__ = 'loan_repayment_schedules'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    loan_id = db.Column(db.Integer, nullable=False)
+    installment_number = db.Column(db.Integer, nullable=False)
+    due_date = db.Column(db.DateTime, nullable=False)
+    principal_amount = db.Column(db.Float, default=0.0)
+    interest_amount = db.Column(db.Float, default=0.0)
+    total_installment = db.Column(db.Float, default=0.0)
+    paid = db.Column(db.Boolean, default=False)
+    paid_at = db.Column(db.DateTime, nullable=True)
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
+    loan = relationship(
+        "Loan",
+        primaryjoin="LoanCharge.loan_id == Loan.id",
+        foreign_keys=[loan_id],
+        back_populates="loan_charges",
+    )
+
+    @classmethod
+    def add_repayment_schedule(cls, loan, Offer, charges):
+        """
+        Add repayment schedules for a given loan.
+        """
+        if not loan.amount or not loan.installment_amount:
+            raise ValueError("Loan must have amount and installment_amount set.")
+
+        now = datetime.now(timezone.utc)
+        schedules = []
+        interest_fee = charges["interest"]
+
+        tenor = Offer.tenor // 30
+
+        principal = loan.amount / tenor
+        interest = interest_fee["fee"] / tenor
+
+        for i in range(tenor):
+            due_date = now + relativedelta(months=i + 1)
+            schedule = LoanRepaymentSchedule(
+                loan_id=loan.id,
+                installment_number=i + 1,
+                due_date=due_date,
+                principal_amount=round(principal, 2),
+                interest_amount=round(interest, 2),
+                total_installment=round(loan.installment_amount, 2)
+            )
+            
+            db.session.add(schedule)
+            schedules.append(schedule)
+
+        return schedules
+
+    def to_dict(self):
+        return {
+            'id': self.id,
+            'loanId': self.loan_id,
+            'installmentNumber': self.installment_number,
+            'dueDate': self.due_date.isoformat(),
+            'principalAmount': self.principal_amount,
+            'interestAmount': self.interest_amount,
+            'totalInstallment': self.total_installment,
+            'paid': self.paid,
+            'paidAt': self.paid_at.isoformat() if self.paid_at else None
+        }
+
+    def __repr__(self):
+        return f'<LoanRepaymentSchedule Loan:{self.loan_id} Installment:{self.installment_number}>'