zmiany

app/models.py

@@ -1,5 +1,6 @@
 from __future__ import annotations
 
+from datetime import date
 from enum import Enum
 from typing import Literal
 from pydantic import BaseModel, Field
@@ -15,6 +16,12 @@ class OverpaymentEffect(str, Enum):
     lower_payment = "lower_payment"
 
 
+class GraceType(str, Enum):
+    none = "none"
+    interest_only = "interest_only"
+    full = "full"
+
+
 class RateChange(BaseModel):
     month: int = Field(ge=1, description="Miesiac od startu kredytu")
     annual_rate: float = Field(ge=0, le=30, description="Roczne oprocentowanie procentowo")
@@ -25,6 +32,16 @@ class Overpayment(BaseModel):
     amount: float = Field(gt=0)
     repeat: Literal["once", "monthly", "yearly"] = "once"
     until_month: int | None = Field(default=None, ge=1)
+    commission_percent: float = Field(default=0, ge=0, le=20, description="Prowizja od nadplaty w procentach")
+
+
+class HistoricalMonth(BaseModel):
+    month: int = Field(ge=1)
+    annual_rate: float | None = Field(default=None, ge=0, le=30)
+    grace_type: GraceType = GraceType.none
+    overpayment: float = Field(default=0, ge=0)
+    overpayment_commission_percent: float = Field(default=0, ge=0, le=20)
+    note: str = ""
 
 
 class SimulationRequest(BaseModel):
@@ -34,18 +51,29 @@ class SimulationRequest(BaseModel):
     base_rate: float = Field(ge=0, le=30, default=5.75)
     installment_type: InstallmentType = InstallmentType.equal
     overpayment_effect: OverpaymentEffect = OverpaymentEffect.shorten
+    loan_start_date: date = Field(default_factory=date.today)
+    due_day: int = Field(default=5, ge=1, le=28, description="Dzien splaty raty")
+    move_due_date_to_business_day: bool = True
     rate_changes: list[RateChange] = Field(default_factory=list)
     overpayments: list[Overpayment] = Field(default_factory=list)
+    historical_months: list[HistoricalMonth] = Field(default_factory=list)
 
 
 class ScheduleRow(BaseModel):
     month: int
+    due_date: str
+    days: int
     rate: float
     payment: float
     principal_part: float
     interest_part: float
     overpayment: float
+    overpayment_fee: float
     remaining: float
+    grace_type: GraceType = GraceType.none
+    cumulative_interest: float
+    cumulative_cost: float
+    cumulative_overpayment: float
 
 
 class Summary(BaseModel):
@@ -53,12 +81,14 @@ class Summary(BaseModel):
     total_paid: float
     total_interest: float
     total_overpayment: float
+    total_overpayment_fees: float
     interest_saved: float
     months_saved: int
     baseline_interest: float
     baseline_months: int
     average_payment: float
     max_payment: float
+    payoff_date: str | None = None
 
 
 class SimulationResponse(BaseModel):