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749d54dd96
PlaidAccount::TypeMappable maps the Plaid loan subtypes "home equity",
"line of credit", and "business" to home_equity, line_of_credit, and
business — but Loan::SUBTYPES never defined them. Linking any such
account (e.g. a HELOC reported by the institution as loan/"line of
credit") makes the item's sync fail with:
Validation failed: Accountable subtype is not included in the list
and, because Link itself succeeded, the failure is silent in the UI
(same UX gap as #1792).
Add the three subtypes to Loan::SUBTYPES, and add a regression test
asserting every subtype emitted by TYPE_MAPPING is valid for its
accountable so the mapper and models can't drift apart again.
Co-authored-by: Claude Fable 5 <noreply@anthropic.com>
50 lines
1.4 KiB
Ruby
50 lines
1.4 KiB
Ruby
class Loan < ApplicationRecord
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include Accountable
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SUBTYPES = {
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"mortgage" => { short: "Mortgage", long: "Mortgage" },
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"student" => { short: "Student Loan", long: "Student Loan" },
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"auto" => { short: "Auto Loan", long: "Auto Loan" },
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"home_equity" => { short: "Home Equity", long: "Home Equity Loan" },
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"line_of_credit" => { short: "Line of Credit", long: "Line of Credit" },
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"business" => { short: "Business Loan", long: "Business Loan" },
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"other" => { short: "Other Loan", long: "Other Loan" }
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}.freeze
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validates :subtype, inclusion: { in: SUBTYPES.keys }, allow_blank: true
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def monthly_payment
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return nil if term_months.nil? || interest_rate.nil? || rate_type.nil? || rate_type != "fixed"
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return Money.new(0, account.currency) if account.loan.original_balance.amount.zero? || term_months.zero?
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annual_rate = interest_rate / 100.0
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monthly_rate = annual_rate / 12.0
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if monthly_rate.zero?
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payment = account.loan.original_balance.amount / term_months
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else
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payment = (account.loan.original_balance.amount * monthly_rate * (1 + monthly_rate)**term_months) / ((1 + monthly_rate)**term_months - 1)
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end
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Money.new(payment.round, account.currency)
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end
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def original_balance
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Money.new(account.first_valuation_amount, account.currency)
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end
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class << self
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def color
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"#D444F1"
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end
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def icon
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"hand-coins"
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end
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def classification
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"liability"
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end
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end
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end
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