feat(realestate): 매물 라우트 6종+safety-check/budget+3h cron

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01EqCYBhvTcdeCTUDX3RhWx9

realestate-lab/tests/test_listing_api.py

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+from fastapi.testclient import TestClient
+
+def _client():
+    from app.main import app
+    return TestClient(app)
+
+def test_criteria_get_default_and_put():
+    c = _client()
+    assert c.get("/api/realestate/listings/criteria").json()["max_deposit"] == 32000
+    c.put("/api/realestate/listings/criteria", json={"max_deposit": 30000})
+    assert c.get("/api/realestate/listings/criteria").json()["max_deposit"] == 30000
+
+def test_budget_endpoint():
+    r = _client().post("/api/realestate/budget", json={"equity": 30000, "annual_income": 8000,
+                       "is_homeless": True, "is_householder": True, "is_first_home": False, "target_dong": "상도동"})
+    b = r.json()
+    assert "jeonse" in b and "purchase" in b and "region" in b
+    assert b["purchase"]["max_price"] == b["purchase"]["loan_cap"] + 30000
+
+def test_safety_check_rent():
+    from app import db
+    for v in (40000, 42000, 44000):
+        db.upsert_market_deal({"house_type": "아파트", "dong_code": "11590", "dong": "신대방동",
+                               "complex_name": "OO", "area": 42.0, "deal_type": "전세",
+                               "deposit": v, "sale_amount": None, "deal_ym": "202606", "floor": "5"})
+    r = _client().post("/api/realestate/safety-check",
+                       json={"complex_name": "OO", "area": 42.0, "deal_type": "전세",
+                             "amount": 28000, "dong_code": "11590"})
+    j = r.json()
+    assert j["tier"] == "안전" and "disclaimer" in j
+
+def test_listings_collect_status():
+    assert _client().get("/api/realestate/listings/collect/status").status_code == 200