// src/types/immos.ts

export type ImmosApplicant = {
  firstName: string;
  lastName: string;
  dateOfBirth: string; // ISO
  email: string;
  phone?: string;
  netIncomeMonthly: number;
  employmentType: "EMPLOYED" | "SELF_EMPLOYED";
};

export type ImmosObjectData = {
  type: "HOUSE" | "FLAT" | "LAND";
  usage: "OWN_USE" | "INVESTMENT";
  postcode: string;
  city: string;
  purchasePrice: number;
  refurbishmentBudget?: number;
};

export type ImmosLoanRequest = {
  ownCapital: number;
  requestedLoanAmount: number;
  termYears: number;
  fixedInterestYears: number;
};

export type ImmosPrecheckRequest = {
  applicants: ImmosApplicant[];
  object: ImmosObjectData;
  loan: ImmosLoanRequest;
  channel: "ONLINE" | "BRANCH" | "PARTNER";
  leadSource?: string;
};

export type ImmosPrecheckResponse = {
  immosCaseId: string;
  status: "PRECHECK_OK" | "PRECHECK_NEEDS_REVIEW";
  maxPossibleLoan?: number;
  ltv?: number; // loan-to-value
  reasons?: string[];
};

export type ImmosOffer = {
  offerId: string;
  lenderName: string;
  effectiveRate: number;
  nominalRate: number;
  monthlyRate: number;
  termYears: number;
  fixedInterestYears: number;
  totalCost: number;
  isHighlight: boolean;
};

export type ImmosCaseStatus =
  | "DRAFT"
  | "PRECHECKED"
  | "OFFER_REQUESTED"
  | "OFFER_RECEIVED"
  | "SUBMITTED_TO_LENDER"
  | "APPROVED"
  | "REJECTED"
  | "WITHDRAWN";