added a new penal charge endpoint

app/models/loan_repayment_schedule.py

@@ -1,4 +1,4 @@
-from datetime import datetime, timezone
+from datetime import datetime, timedelta, timezone
 from app.extensions import db
 from app.utils.logger import logger
 from sqlalchemy.exc import SQLAlchemyError
@@ -115,6 +115,21 @@ class LoanRepaymentSchedule(db.Model):
             logger.error(f"Error fetching active overdue repayment schedules: {e}")
             return []
     @classmethod
+    def get_overdue_repayment_schedule_with_grace_period(cls, grace_period_days):
+        """
+        Get all overdue repayment schedules that are not repaid and beyond the grace period.
+        """
+        try:
+            grace_period_date = datetime.now(timezone.utc) - timedelta(days=grace_period_days)
+            return cls.query.filter(
+                cls.due_date < grace_period_date,
+                cls.paid == False
+            ).order_by(cls.due_date.asc()).all()
+        except Exception as e:
+            logger.error(f"Error fetching overdue repayment schedules with grace period: {e}")
+            return []
+        
+    @classmethod
     def get_partially_paid_overdue_repayment_schedule(cls):
         """
         Get all overdue repayment schedules that are partially paid.