feat(realestate): 재무·규제 규칙(전세/매수 예산·토허·LTV·DSR config)

realestate-lab/tests/test_finance_rules.py

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+def test_region_regulation_toheo_and_normal():
+    from app.finance_rules import region_regulation
+    assert region_regulation("대치동")["is_toheo"] is True       # 강남 토허
+    r = region_regulation("신대방동")
+    assert r["is_toheo"] is False and "확인" in r["notes"]
+
+def test_jeonse_budget_equity_plus_loan():
+    from app.finance_rules import estimate_jeonse_budget
+    b = estimate_jeonse_budget(equity=15000, annual_income=6000)   # 자기자금 1.5억
+    assert b["max_deposit"] == b["loan_limit"] + 15000
+    assert b["loan_limit"] > 0
+
+def test_purchase_budget_seoul_cap_applies():
+    from app.finance_rules import region_regulation, estimate_purchase_budget
+    flags = region_regulation("상도동")
+    b = estimate_purchase_budget(equity=30000, annual_income=8000,
+                                 region_flags=flags, is_first_home=False, is_homeless=True)
+    # 수도권 주담대 한도(6·27 대책 6억=60000만원) 캡이 대출가능액에 반영
+    assert b["loan_cap"] <= 60000
+    assert b["max_price"] == b["loan_cap"] + 30000
+    assert 0 < b["ltv_pct"] <= 100