Credit Service Application

Overview

This project is a Django-based application that handles user registrations, loan applications, EMI payments, and billing processes. It includes various Django models, views, and Celery tasks for background processing.

Installation

Prerequisites

Python 3.x
Django
Celery
Redis

Steps

Clone the repository:

git clone https://github.com/shashank-23002/Credit-Service
cd Brightmoney

Create a virtual environment and activate it:

python3 -m venv venv
source venv/bin/activate

Install the required packages:
```
pip install -r requirements.txt
```

Apply the migrations:

python manage.py makemigrations
python manage.py migrate

Run the development server:
```
python manage.py runserver
```

Configuration

Django Settings

Ensure that your settings.py file has the necessary configurations for Celery:

# settings.py

CELERY_BROKER_URL = 'redis://localhost:6379/0'
CELERY_RESULT_BACKEND = 'redis://localhost:6379/0'
CELERY_ACCEPT_CONTENT = ['json']
CELERY_TASK_SERIALIZER = 'json'
CELERY_RESULT_SERIALIZER = 'json'
CELERY_TIMEZONE = 'UTC'

Ensure Redis is installed and running on your system. You can start Redis using:
```
redis-server
```

Start the Celery worker:

celery -A Brightmoney worker --loglevel=info

Start the Celery task asynchronously:
```
python manage.py import_transactions
```
Setup Cron Job :
```
python manage.py billing
```

Models

User

aadhar_id: CharField (Primary Key)
name: CharField
email: EmailField
annual_income: DecimalField
credit_score: IntegerField
created_at: DateTimeField

Loan

user_id: ForeignKey(User)
loan_type: CharField
loan_amount: DecimalField
interest_rate: DecimalField
term_period: IntegerField
disbursement_date: DateField
principal_balance: DecimalField
is_closed: BooleanField
emi_dates: TextField

EMI

loan: ForeignKey(Loan)
date: DateField
amount_due: DecimalField
is_paid: BooleanField

Transaction

user: ForeignKey(User)
date: DateField
amount: DecimalField
transaction_type: CharField

Billing

user: ForeignKey(User)
billing_date: DateField
min_due: DecimalField
due_date: DateField

Payment

loan: ForeignKey(Loan)
date: DateField
amount: DecimalField

Views and JSON Formats

Register User

URL: api/register-user/

Method: POST

Request JSON:

{
    "aadhar_id": "8bac0a2d-f31a-4fc4-a5d2-2e86b379915b",
    "name": "John Doe",
    "email": "john.doe@example.com",
    "annual_income": "500000.00"
}

Response JSON:

{
    "aadhar_id": "8bac0a2d-f31a-4fc4-a5d2-2e86b379915b"
}

Apply Loan

URL: api/apply-loan/

Method: POST

Request JSON:

{
    "user_id": "8bac0a2d-f31a-4fc4-a5d2-2e86b379915b",
    "loan_amount": "2000",
    "interest_rate": "5",
    "term_period": 6,
    "loan_type": "CREDIT_CARD",
    "disbursement_date": "2024-06-14"
}

Response JSON:

{
    "loan_id": 3,
    "due_dates": [
        {"date": "2024-07-14", "amount_due": "338.21"},
        {"date": "2024-08-14", "amount_due": "338.21"},
    ]
}

Make Payment

URL: api/make-payment/

Method: POST

Request JSON:

{
    "loan_id": 1,
    "amount": "420.00"
}

Response JSON:

{
    "message": "Payment recorded successfully."
}

Get Statement

URL: api/get-statement/

Method: GET

Query Parameters: loan_id

Example: api/get-statement/?loan_id=1

Response JSON:

{
    "error": null,
    "past_transactions": [
        {"date": "2024-06-14", "amount_paid": "420.00"},
        ...
    ],
    "upcoming_transactions": [
        {"date": "2024-08-13", "amount_due": "321.85"},
        {"date": "2024-09-12", "amount_due": "321.85"},
        ...
    ]
}