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busnisess rules of caixinha app","maintainers":[{"name":"jeanlcua345","email":"jeanlucafp@gmail.com"}],"readme":"# caixinha-core\ncore business rules of caixinha app\n\n[![SonarCloud](https://sonarcloud.io/images/project_badges/sonarcloud-white.svg)](https://sonarcloud.io/summary/new_code?id=Jean1dev_caixinha-core)\n\n#WIP\n\n## Definição de empréstimo atrasado\n\nUm empréstimo está atrasado quando a primeira parcela ainda não integralmente paga possui data de vencimento anterior ao dia atual em `America/Sao_Paulo`.\n\n- Pagamentos são alocados cronologicamente, começando pela parcela mais antiga.\n- Pagamento parcial não quita a parcela; depois do vencimento, ela permanece atrasada.\n- Parcelas futuras não impedem a renegociação quando existe uma parcela anterior vencida e não quitada.\n- Um vencimento no dia atual não é atraso. O atraso começa no próximo dia civil.\n- Empréstimos quitados não possuem próxima parcela nem dias de atraso.\n\n`Loan.nextUnpaidBillingDate`, `Loan.calculateOverdueDays()` e `Loan.isOverdue` são a fonte canônica dessa regra. Fluxos de cobrança, listagem e renegociação devem consumir esses membros em vez de recalcular atraso de forma independente.\n","readmeFilename":"README.md"}