marco
54cccdd095
- Removido README.md padrão do Laravel (backend) - Removidos scripts de deploy (não mais necessários) - Atualizado copilot-instructions.md para novo fluxo - Adicionada documentação de auditoria do servidor - Sincronizado código de produção com repositório Novo workflow: - Trabalhamos diretamente em /root/webmoney (symlink para /var/www/webmoney) - Mudanças PHP são instantâneas - Mudanças React requerem 'npm run build' - Commit após validação funcional
424 lines
15 KiB
PHP
Executable File
424 lines
15 KiB
PHP
Executable File
<?php
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namespace App\Models;
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use Illuminate\Database\Eloquent\Factories\HasFactory;
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use Illuminate\Database\Eloquent\Model;
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use Illuminate\Database\Eloquent\SoftDeletes;
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use Illuminate\Database\Eloquent\Relations\BelongsTo;
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use Illuminate\Database\Eloquent\Relations\HasMany;
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class LiabilityAccount extends Model
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{
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use HasFactory, SoftDeletes;
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/**
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* Status do contrato
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*/
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public const STATUS_ACTIVE = 'active';
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public const STATUS_PAID_OFF = 'paid_off';
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public const STATUS_DEFAULTED = 'defaulted';
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public const STATUS_RENEGOTIATED = 'renegotiated';
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public const STATUSES = [
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self::STATUS_ACTIVE => 'Activo',
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self::STATUS_PAID_OFF => 'Liquidado',
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self::STATUS_DEFAULTED => 'En mora',
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self::STATUS_RENEGOTIATED => 'Renegociado',
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];
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/**
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* Tipos de contrato
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*/
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public const CONTRACT_TYPE_PERSONAL_LOAN = 'personal_loan';
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public const CONTRACT_TYPE_VEHICLE = 'vehicle_financing';
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public const CONTRACT_TYPE_MORTGAGE = 'mortgage';
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public const CONTRACT_TYPE_CREDIT_CARD = 'credit_card';
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public const CONTRACT_TYPE_CONSORTIUM = 'consortium';
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public const CONTRACT_TYPE_LEASING = 'leasing';
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public const CONTRACT_TYPE_OVERDRAFT = 'overdraft';
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public const CONTRACT_TYPE_PAYROLL_LOAN = 'payroll_loan';
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public const CONTRACT_TYPE_OTHER = 'other';
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public const CONTRACT_TYPES = [
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self::CONTRACT_TYPE_PERSONAL_LOAN => [
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'name' => 'Préstamo Personal',
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'description' => 'Préstamo con cuotas fijas (Sistema PRICE)',
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'icon' => 'banknotes',
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'default_amortization' => 'price',
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'fields' => ['principal_amount', 'annual_interest_rate', 'total_installments', 'start_date', 'first_due_date'],
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],
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self::CONTRACT_TYPE_VEHICLE => [
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'name' => 'Financiación de Vehículo',
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'description' => 'Crédito para compra de coche o moto',
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'icon' => 'truck',
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'default_amortization' => 'price',
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'fields' => ['principal_amount', 'annual_interest_rate', 'total_installments', 'start_date', 'first_due_date', 'asset_value'],
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],
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self::CONTRACT_TYPE_MORTGAGE => [
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'name' => 'Hipoteca / Financiación Inmobiliaria',
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'description' => 'Crédito para compra de inmueble',
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'icon' => 'home',
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'default_amortization' => 'sac',
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'fields' => ['principal_amount', 'annual_interest_rate', 'total_installments', 'start_date', 'first_due_date', 'asset_value', 'insurance_amount'],
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],
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self::CONTRACT_TYPE_CREDIT_CARD => [
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'name' => 'Tarjeta de Crédito',
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'description' => 'Financiación de compras a plazos',
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'icon' => 'credit-card',
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'default_amortization' => 'price',
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'fields' => ['principal_amount', 'annual_interest_rate', 'total_installments', 'first_due_date'],
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],
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self::CONTRACT_TYPE_CONSORTIUM => [
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'name' => 'Consorcio',
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'description' => 'Grupo de compras con cuotas variables',
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'icon' => 'users',
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'default_amortization' => 'consortium',
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'fields' => ['principal_amount', 'total_installments', 'admin_fee_percent', 'start_date', 'first_due_date'],
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],
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self::CONTRACT_TYPE_LEASING => [
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'name' => 'Leasing',
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'description' => 'Arrendamiento con opción de compra',
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'icon' => 'key',
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'default_amortization' => 'price',
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'fields' => ['principal_amount', 'annual_interest_rate', 'total_installments', 'start_date', 'first_due_date', 'residual_value'],
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],
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self::CONTRACT_TYPE_OVERDRAFT => [
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'name' => 'Descubierto / Cheque Especial',
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'description' => 'Línea de crédito rotativa',
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'icon' => 'arrow-trending-down',
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'default_amortization' => 'american',
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'fields' => ['principal_amount', 'monthly_interest_rate'],
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],
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self::CONTRACT_TYPE_PAYROLL_LOAN => [
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'name' => 'Préstamo con Nómina',
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'description' => 'Crédito con descuento en nómina',
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'icon' => 'briefcase',
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'default_amortization' => 'price',
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'fields' => ['principal_amount', 'annual_interest_rate', 'total_installments', 'start_date', 'first_due_date'],
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],
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self::CONTRACT_TYPE_OTHER => [
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'name' => 'Otro',
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'description' => 'Otro tipo de pasivo',
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'icon' => 'document-text',
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'default_amortization' => 'price',
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'fields' => ['principal_amount', 'total_installments', 'first_due_date'],
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],
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];
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/**
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* Sistemas de amortização
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*/
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public const AMORTIZATION_PRICE = 'price';
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public const AMORTIZATION_SAC = 'sac';
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public const AMORTIZATION_AMERICAN = 'american';
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public const AMORTIZATION_CONSORTIUM = 'consortium';
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public const AMORTIZATION_SYSTEMS = [
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self::AMORTIZATION_PRICE => [
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'name' => 'PRICE (Cuota Fija)',
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'description' => 'Cuotas iguales. Intereses decrecientes, amortización creciente.',
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],
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self::AMORTIZATION_SAC => [
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'name' => 'SAC (Amortización Constante)',
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'description' => 'Amortización fija. Cuotas e intereses decrecientes.',
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],
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self::AMORTIZATION_AMERICAN => [
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'name' => 'Americano',
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'description' => 'Solo intereses durante el plazo, principal al final.',
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],
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self::AMORTIZATION_CONSORTIUM => [
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'name' => 'Consorcio',
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'description' => 'Cuotas variables según el grupo.',
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],
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];
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/**
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* Tipos de indexadores
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*/
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public const INDEX_TYPES = [
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'fixed' => ['name' => 'Tasa Fija', 'description' => 'Sin indexación'],
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'cdi' => ['name' => 'CDI', 'description' => 'Certificado de Depósito Interbancario (Brasil)'],
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'selic' => ['name' => 'SELIC', 'description' => 'Tasa básica de interés (Brasil)'],
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'ipca' => ['name' => 'IPCA', 'description' => 'Índice de precios al consumidor (Brasil)'],
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'igpm' => ['name' => 'IGP-M', 'description' => 'Índice general de precios (Brasil)'],
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'tr' => ['name' => 'TR', 'description' => 'Tasa referencial (Brasil)'],
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'euribor' => ['name' => 'Euribor', 'description' => 'Euro Interbank Offered Rate (UE)'],
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'libor' => ['name' => 'LIBOR', 'description' => 'London Interbank Offered Rate'],
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'sofr' => ['name' => 'SOFR', 'description' => 'Secured Overnight Financing Rate (EUA)'],
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'prime' => ['name' => 'Prime Rate', 'description' => 'Tasa preferencial (EUA)'],
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'ipc' => ['name' => 'IPC', 'description' => 'Índice de precios al consumidor (España)'],
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'other' => ['name' => 'Otro', 'description' => 'Otro indexador'],
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];
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/**
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* Tipos de garantia
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*/
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public const GUARANTEE_TYPES = [
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'none' => ['name' => 'Sin garantía', 'description' => 'Préstamo sin garantía'],
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'fiduciary_alienation' => ['name' => 'Alienación Fiduciaria', 'description' => 'El bien queda en garantía hasta el pago total'],
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'mortgage' => ['name' => 'Hipoteca', 'description' => 'Garantía sobre inmueble'],
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'pledge' => ['name' => 'Prenda', 'description' => 'Garantía sobre bien mueble'],
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'guarantor' => ['name' => 'Fiador/Avalista', 'description' => 'Persona que garantiza la deuda'],
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'payroll' => ['name' => 'Descuento en Nómina', 'description' => 'Descuento directo del salario'],
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'investment' => ['name' => 'Inversión', 'description' => 'Garantía con inversiones/aplicaciones'],
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'letter_of_credit' => ['name' => 'Carta de Crédito', 'description' => 'Garantía bancaria'],
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'surety_bond' => ['name' => 'Seguro Fianza', 'description' => 'Seguro que garantiza la obligación'],
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'other' => ['name' => 'Otra', 'description' => 'Otro tipo de garantía'],
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];
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protected $fillable = [
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'user_id',
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'account_id',
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'name',
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'contract_type',
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'amortization_system',
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'contract_number',
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'creditor',
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'description',
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'principal_amount',
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'total_interest',
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'total_fees',
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'total_contract_value',
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'total_paid',
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'total_pending',
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'principal_paid',
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'interest_paid',
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'fees_paid',
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'monthly_interest_rate',
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'annual_interest_rate',
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'total_interest_rate',
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'total_installments',
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'paid_installments',
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'pending_installments',
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'start_date',
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'end_date',
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'first_due_date',
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'has_grace_period',
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'grace_period_months',
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'currency',
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'color',
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'icon',
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'status',
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'is_active',
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// Campos avançados - Indexadores
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'index_type',
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'index_spread',
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'total_effective_cost',
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// Campos avançados - Garantias
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'guarantee_type',
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'guarantee_value',
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'guarantee_description',
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'guarantor_name',
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// Campos avançados - Penalidades
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'late_fee_percent',
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'daily_penalty_percent',
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'grace_days_for_penalty',
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// Campos avançados - Específicos por tipo
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'asset_value',
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'asset_description',
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'residual_value',
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'admin_fee_percent',
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'reserve_fund_percent',
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// Campos avançados - Covenants e gestão
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'covenants',
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'alert_days_before',
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'internal_responsible',
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'internal_notes',
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'document_number',
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'registry_office',
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];
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protected $casts = [
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'principal_amount' => 'decimal:2',
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'total_interest' => 'decimal:2',
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'total_fees' => 'decimal:2',
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'total_contract_value' => 'decimal:2',
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'total_paid' => 'decimal:2',
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'total_pending' => 'decimal:2',
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'principal_paid' => 'decimal:2',
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'interest_paid' => 'decimal:2',
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'fees_paid' => 'decimal:2',
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'monthly_interest_rate' => 'decimal:4',
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'annual_interest_rate' => 'decimal:4',
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'total_interest_rate' => 'decimal:4',
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'start_date' => 'date',
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'end_date' => 'date',
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'first_due_date' => 'date',
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'is_active' => 'boolean',
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'has_grace_period' => 'boolean',
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'grace_period_months' => 'integer',
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// Campos avançados
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'index_spread' => 'decimal:4',
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'total_effective_cost' => 'decimal:4',
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'guarantee_value' => 'decimal:2',
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'late_fee_percent' => 'decimal:2',
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'daily_penalty_percent' => 'decimal:4',
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'grace_days_for_penalty' => 'integer',
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'asset_value' => 'decimal:2',
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'residual_value' => 'decimal:2',
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'admin_fee_percent' => 'decimal:2',
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'reserve_fund_percent' => 'decimal:2',
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'covenants' => 'array',
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'alert_days_before' => 'integer',
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];
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protected $appends = ['progress_percentage', 'remaining_balance'];
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/**
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* Relação com o usuário
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*/
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public function user(): BelongsTo
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{
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return $this->belongsTo(User::class);
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}
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/**
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* Relação com a conta geral (opcional)
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*/
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public function account(): BelongsTo
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{
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return $this->belongsTo(Account::class);
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}
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/**
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* Parcelas do contrato
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*/
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public function installments(): HasMany
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{
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return $this->hasMany(LiabilityInstallment::class)->orderBy('installment_number');
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}
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/**
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* Parcelas pagas
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*/
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public function paidInstallments(): HasMany
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{
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return $this->hasMany(LiabilityInstallment::class)->where('status', 'paid');
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}
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/**
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* Parcelas pendentes
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*/
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public function pendingInstallments(): HasMany
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{
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return $this->hasMany(LiabilityInstallment::class)->where('status', 'pending');
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}
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/**
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* Próxima parcela a vencer
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*/
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public function nextInstallment()
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{
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return $this->installments()
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->where('status', 'pending')
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->orderBy('due_date')
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->first();
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}
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/**
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* Percentual de progresso (quanto já foi pago do principal)
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*/
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public function getProgressPercentageAttribute(): float
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{
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if ($this->principal_amount <= 0) {
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return 0;
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}
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return round(($this->principal_paid / $this->principal_amount) * 100, 2);
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}
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/**
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* Saldo restante do principal
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*/
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public function getRemainingBalanceAttribute(): float
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{
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return $this->principal_amount - $this->principal_paid;
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}
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/**
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* Recalcular totais baseado nas parcelas
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*/
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public function recalculateTotals(): void
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{
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$installments = $this->installments()->get();
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$this->total_installments = $installments->count();
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$this->paid_installments = $installments->where('status', 'paid')->count();
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$this->pending_installments = $installments->where('status', 'pending')->count();
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// Totais do contrato
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$this->total_interest = $installments->sum('interest_amount');
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$this->total_fees = $installments->sum('fee_amount');
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$this->principal_amount = $installments->sum('principal_amount');
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$this->total_contract_value = $installments->sum('installment_amount');
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// Valores pagos
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$paidInstallments = $installments->where('status', 'paid');
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$this->total_paid = $paidInstallments->sum('installment_amount');
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$this->principal_paid = $paidInstallments->sum('principal_amount');
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$this->interest_paid = $paidInstallments->sum('interest_amount');
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$this->fees_paid = $paidInstallments->sum('fee_amount');
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// Valores pendentes
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$pendingInstallments = $installments->where('status', 'pending');
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$this->total_pending = $pendingInstallments->sum('installment_amount');
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// Calcular taxas de juros
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$this->calculateInterestRates();
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// Datas
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$firstInstallment = $installments->sortBy('due_date')->first();
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$lastInstallment = $installments->sortBy('due_date')->last();
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if ($firstInstallment) {
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$this->first_due_date = $firstInstallment->due_date;
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$this->start_date = $firstInstallment->due_date;
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}
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if ($lastInstallment) {
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$this->end_date = $lastInstallment->due_date;
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}
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// Atualizar status
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if ($this->pending_installments === 0 && $this->paid_installments > 0) {
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$this->status = self::STATUS_PAID_OFF;
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}
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$this->save();
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}
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/**
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* Calcular taxas de juros baseado nos dados
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*/
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protected function calculateInterestRates(): void
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{
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if ($this->principal_amount <= 0) {
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return;
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}
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// Taxa total do contrato
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$this->total_interest_rate = round(($this->total_interest / $this->principal_amount) * 100, 4);
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// Taxa mensal média
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if ($this->total_installments > 0) {
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$this->monthly_interest_rate = round($this->total_interest_rate / $this->total_installments, 4);
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$this->annual_interest_rate = round($this->monthly_interest_rate * 12, 4);
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}
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}
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/**
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* Scope para contas ativas
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*/
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public function scopeActive($query)
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{
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return $query->where('is_active', true);
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}
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/**
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* Scope para um status específico
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*/
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public function scopeOfStatus($query, string $status)
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{
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return $query->where('status', $status);
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}
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}
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