"""매물 조건 매칭 + 임차 안전마진(전세가율)·매매 적정성(호가율) 판정.""" import logging import statistics from .db import (get_listing_criteria, get_market_deals_for, upsert_listing_match, get_listings) from . import finance_rules logger = logging.getLogger("realestate-lab") # 경계 상수(조정 가능) JEONSE_SAFE, JEONSE_WARN = 0.70, 0.80 VALUATION_LOW, VALUATION_HIGH = 0.97, 1.05 MIN_SAMPLE = 3 DISCLAIMER = "등기부 선순위 근저당은 자동 확인 불가 — 계약 전 인터넷등기소 열람 필수." def compute_safety(deposit, deal_type, deals) -> dict: vals = [d["deposit"] for d in deals if d.get("deposit")] if len(vals) < MIN_SAMPLE: return {"jeonse_ratio": None, "tier": "보류", "median": None, "sample": len(vals)} median = statistics.median(vals) ratio = (deposit or 0) / median if median else None if ratio is None: tier = "보류" elif ratio <= JEONSE_SAFE: tier = "안전" elif ratio <= JEONSE_WARN: tier = "주의" else: tier = "위험" return {"jeonse_ratio": round(ratio, 3) if ratio else None, "tier": tier, "median": int(median), "sample": len(vals)} def compute_valuation(sale_price, deals) -> dict: vals = [d["sale_amount"] for d in deals if d.get("sale_amount")] if len(vals) < MIN_SAMPLE: return {"price_ratio": None, "tier": "보류", "median": None, "sample": len(vals)} median = statistics.median(vals) ratio = (sale_price or 0) / median if median else None if ratio is None: tier = "보류" elif ratio <= VALUATION_LOW: tier = "저평가" elif ratio <= VALUATION_HIGH: tier = "시세" else: tier = "고가" return {"price_ratio": round(ratio, 3) if ratio else None, "tier": tier, "median": int(median), "sample": len(vals)} def match_listing(criteria, listing, budget) -> dict: reasons, passed = [], True if criteria.get("dongs") and listing.get("dong") not in criteria["dongs"]: passed = False; reasons.append("동 불일치") if criteria.get("deal_types") and listing.get("deal_type") not in criteria["deal_types"]: passed = False; reasons.append("거래유형 불일치") if criteria.get("min_area") and (listing.get("area_exclusive") or 0) < criteria["min_area"]: passed = False; reasons.append("면적 미달") if listing.get("deal_type") == "매매": cap = criteria.get("max_sale_price") or (budget or {}).get("max_price") if cap and (listing.get("sale_price") or 0) > cap: passed = False; reasons.append("매수가능 상한 초과") else: # 임차 cap = criteria.get("max_deposit") or (budget or {}).get("max_deposit") if cap and (listing.get("deposit") or 0) > cap: passed = False; reasons.append("보증금 상한 초과") score = 100 if passed else 0 if passed: reasons.append("조건 통과") return {"passed": passed, "score": score, "reasons": reasons} def run_listing_matching() -> None: """미평가 포함 전체 매물 재평가 → listing_matches upsert (청약 run_matching 대칭).""" criteria = get_listing_criteria() equity = criteria.get("equity") or 0 income = criteria.get("annual_income") or 0 jeonse_budget = finance_rules.estimate_jeonse_budget(equity, income) for l in get_listings(limit=1000): is_rent = l["deal_type"] != "매매" reg = finance_rules.region_regulation(l.get("dong")) if is_rent: budget = jeonse_budget else: budget = finance_rules.estimate_purchase_budget( equity, income, reg, criteria.get("is_first_home"), criteria.get("is_homeless")) m = match_listing(criteria, l, budget) deals = get_market_deals_for(l.get("dong_code"), l.get("complex_name"), l.get("area_exclusive"), "전세" if is_rent else "매매") rec = {"listing_id": l["id"], "category": "임차" if is_rent else "매매", "passed": 1 if m["passed"] else 0, "match_score": m["score"], "sample_size": 0, "reasons": m["reasons"], "is_new": 1, "regulation_flags": reg_flags(reg)} if is_rent: s = compute_safety(l.get("deposit"), l["deal_type"], deals) rec.update({"jeonse_ratio": s["jeonse_ratio"], "safety_tier": s["tier"], "market_median": s["median"], "sample_size": s["sample"]}) else: v = compute_valuation(l.get("sale_price"), deals) rec.update({"price_ratio": v["price_ratio"], "valuation_tier": v["tier"], "market_median": v["median"], "sample_size": v["sample"], "budget_ok": 1 if (l.get("sale_price") or 0) <= (budget.get("max_price") or 0) else 0}) upsert_listing_match(rec) logger.info("매물 매칭 완료") def reg_flags(reg: dict) -> list: f = [] if reg.get("is_toheo"): f.append("토허") if reg.get("is_regulated"): f.append("규제지역") return f