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