Финансирование как ДОПОЛНИТЕЛЬНЫЙ overlay поверх готового unlevered cashflow: кредитная линия покрывает накопительный кассовый разрыв, проценты капитализируются (compound), ставка _CREDIT_RATE_ANNUAL=15% (норматив, ОТДЕЛЬНО от ставки дисконтирования — разная семантика: стоимость долга vs требуемая доходность). Backend (financial.py): - _compute_financing(operating_cf, annual_rate) — чистая (READ-ONLY вход, не мутирует): процент на остаток на начало месяца ДО движений → капитализация; draw=-cf при оттоке, repay=min(cf,debt) при притоке (долг не уходит в минус). Возвращает peak_debt_rub / total_interest_rub / ending_debt_rub. - compute_financial: вызов после DCF, net_profit_after_financing = net − interest. - _build_monthly_cashflow и unlevered NPV/IRR/PBP НЕ ТРОНУТЫ → инвариант Σ unlevered cashflow == net_profit сохранён (регресс-тест). - FinancialModel +6 полей (financing_enabled/annual_rate_used/peak_debt_rub/ total_interest_rub/net_profit_after_financing_rub/financing_is_simplified). Frontend: ParcelFinancialEstimate +6 полей; adaptFinanceDrawer + concept-каскад показывают пиковый долг/проценты/чистую прибыль после финанс. (когда enabled). MVP: только агрегаты, БЕЗ levered IRR (хрупко на хардкод-100%-долге — отдельный PR). HEAVY caveat: проценты — реальная стоимость (net после < net до); 100% покрытие разрыва (нет equity/LTC); compound; эскроу не моделируется; unlevered headline не затронут. financing_is_simplified=True флаг. mypy strict clean, +9 backend + 3 frontend тестов (compound точное значение, no-mutation, инвариант-регресс, монотонность, net_after<net), api-types регенерён авторитетно, deps не тронуты (hand-roll). Refs #1881
181 lines
5.4 KiB
Python
181 lines
5.4 KiB
Python
"""End-to-end API test — POST /api/v1/concepts returns 3 filled variants.
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Goes through the FastAPI route (TestClient) and asserts the contract is populated
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with *real* numbers (non-zero ТЭП + financial), valid building GeoJSON, and that a
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degenerate parcel yields 422 rather than empty variants.
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"""
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from __future__ import annotations
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from collections.abc import Iterator
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import pytest
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from fastapi.testclient import TestClient
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from app.core.db import get_db
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from app.main import app
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class _NoDbSession:
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"""Заглушка Session: любой execute падает → market-price lookup деградирует в
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class_norm без реальной БД. Тесты API не должны зависеть от живого Postgres."""
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def execute(self, *args: object, **kwargs: object) -> object:
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raise RuntimeError("no DB in unit test")
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@pytest.fixture(autouse=True)
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def _override_db() -> Iterator[None]:
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"""get_db → заглушка без БД на время API-тестов концепции (conftest чистит overrides)."""
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def _fake_get_db() -> Iterator[_NoDbSession]:
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yield _NoDbSession()
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app.dependency_overrides[get_db] = _fake_get_db
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yield
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app.dependency_overrides.pop(get_db, None)
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_PARCEL = {
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"type": "Polygon",
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"coordinates": [
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[
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[60.60, 56.830],
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[60.6045, 56.830],
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[60.6045, 56.8328],
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[60.60, 56.8328],
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[60.60, 56.830],
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]
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],
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}
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def _post(payload: dict[str, object]) -> object:
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client = TestClient(app)
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return client.post("/api/v1/concepts", json=payload)
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def test_concepts_returns_three_filled_variants() -> None:
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response = _post(
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{
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"parcel_geojson": _PARCEL,
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"housing_class": "comfort",
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"target_floors": 9,
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"development_type": "mid_rise",
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"land_cost_rub": 150_000_000,
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}
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)
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assert response.status_code == 200, response.text
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variants = response.json()["variants"]
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assert len(variants) == 3
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assert {v["strategy"] for v in variants} == {"max_area", "max_insolation", "balanced"}
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for v in variants:
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teap = v["teap"]
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fin = v["financial"]
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# Реальные, ненулевые числа (не stub-нули).
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assert teap["built_area_sqm"] > 0
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assert teap["total_floor_area_sqm"] > 0
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assert teap["residential_area_sqm"] > 0
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assert teap["apartments_count"] > 0
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assert teap["density"] > 0
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assert teap["parking_spaces"] > 0
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assert fin["revenue_rub"] > 0
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assert fin["cost_rub"] > 0
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# PR-2: без БД market-price lookup честно падает в норматив класса.
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assert fin["price_is_calibrated"] is False
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assert fin["price_source"] == "class_norm"
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assert fin["price_per_sqm_used"] > 0
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# GeoJSON застройки непустой.
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fc = v["buildings_geojson"]
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assert fc["type"] == "FeatureCollection"
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assert len(fc["features"]) > 0
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def test_concepts_degenerate_parcel_returns_422() -> None:
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tiny = {
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"type": "Polygon",
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"coordinates": [
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[
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[60.60, 56.830],
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[60.60015, 56.830],
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[60.60015, 56.83015],
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[60.60, 56.83015],
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[60.60, 56.830],
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]
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],
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}
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response = _post(
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{
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"parcel_geojson": tiny,
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"housing_class": "comfort",
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"target_floors": 9,
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"development_type": "mid_rise",
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}
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)
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assert response.status_code == 422
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def test_concepts_response_matches_contract_keys() -> None:
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response = _post(
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{
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"parcel_geojson": _PARCEL,
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"housing_class": "business",
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"target_floors": 16,
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"development_type": "high_rise",
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}
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)
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assert response.status_code == 200
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variant = response.json()["variants"][0]
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assert set(variant.keys()) == {"strategy", "buildings_geojson", "teap", "financial"}
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assert set(variant["teap"].keys()) == {
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"built_area_sqm",
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"total_floor_area_sqm",
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"residential_area_sqm",
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"apartments_count",
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"density",
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"parking_spaces",
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}
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assert set(variant["financial"].keys()) == {
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# legacy summary (backward-compat)
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"revenue_rub",
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"cost_rub",
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"gross_margin_rub",
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"irr",
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# revenue breakdown
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"revenue_residential_rub",
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"revenue_parking_rub",
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# cost cascade
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"construction_rub",
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"pir_rub",
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"networks_rub",
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"developer_services_rub",
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"contingency_rub",
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"marketing_rub",
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"land_rub",
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# БДР / taxes
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"vat_rub",
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"profit_before_tax_rub",
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"profit_tax_rub",
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"net_profit_rub",
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# metrics
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"roi",
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"margin_pct",
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"irr_is_proxy",
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# DCF (PR-3)
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"npv_rub",
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"payback_months",
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"discount_rate_used",
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"schedule_is_default",
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# financing overlay (PR-5)
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"financing_enabled",
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"annual_rate_used",
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"peak_debt_rub",
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"total_interest_rub",
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"net_profit_after_financing_rub",
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"financing_is_simplified",
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# price calibration (PR-2)
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"price_per_sqm_used",
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"price_is_calibrated",
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"price_source",
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}
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