feat(wallet): 대출 월 상환금(loan_payment) 필드 추가

- 원리금균등 상환표를 은행 조회액과 정확히 맞추기 위한 고정 월 상환금 선택 저장
- wallet.loan_payment 컬럼(ALTER IF NOT EXISTS), 도메인·DTO·매퍼 반영

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

src/main/java/com/sb/web/account/domain/Wallet.java

@@ -35,6 +35,7 @@ public class Wallet implements Serializable {
     private String loanMethod;     // 상환방식: EQUAL_PAYMENT / EQUAL_PRINCIPAL / BULLET (LOAN 전용)
     private Integer loanMonths;    // 대출기간(개월) (LOAN 전용)
     private LocalDate loanStart;   // 대출시작일 (LOAN 전용)
+    private Long loanPayment;      // 월 상환금(고정, 원리금균등) — 은행 조회액과 정확히 맞추기 위한 선택 입력 (LOAN 전용)
     private Integer sortOrder;    // 표시 순서 (타입 내 정렬)
     private LocalDateTime createdAt;
     private LocalDateTime updatedAt;

src/main/java/com/sb/web/account/dto/WalletRequest.java

@@ -53,4 +53,5 @@ public class WalletRequest {
 
     private Integer loanMonths;    // 대출기간(개월)
     private LocalDate loanStart;   // 대출시작일
+    private Long loanPayment;      // 월 상환금(고정, 원리금균등) — 선택
 }

src/main/java/com/sb/web/account/dto/WalletResponse.java

@@ -38,6 +38,7 @@ public class WalletResponse {
     private String loanMethod;     // EQUAL_PAYMENT / EQUAL_PRINCIPAL / BULLET
     private Integer loanMonths;    // 대출기간(개월)
     private LocalDate loanStart;   // 대출시작일
+    private Long loanPayment;      // 월 상환금(고정, 원리금균등) — 선택 입력
 
     public static WalletResponse from(Wallet w, long balance) {
         return WalletResponse.builder()
@@ -56,6 +57,7 @@ public class WalletResponse {
                 .loanMethod(w.getLoanMethod())
                 .loanMonths(w.getLoanMonths())
                 .loanStart(w.getLoanStart())
+                .loanPayment(w.getLoanPayment())
                 .build();
     }
 }

src/main/java/com/sb/web/account/service/AccountService.java

@@ -659,6 +659,7 @@ public class AccountService {
                 .loanMethod(isLoan ? blankToNull(req.getLoanMethod()) : null)
                 .loanMonths(isLoan ? req.getLoanMonths() : null)
                 .loanStart(isLoan ? req.getLoanStart() : null)
+                .loanPayment(isLoan ? req.getLoanPayment() : null)
                 .build();
     }
 

src/main/resources/db/account.sql

@@ -33,6 +33,7 @@ ALTER TABLE wallet ADD COLUMN IF NOT EXISTS loan_method  VARCHAR(20)  NULL COMME
 ALTER TABLE wallet ADD COLUMN IF NOT EXISTS loan_months  INT          NULL COMMENT '대출기간(개월)';
 ALTER TABLE wallet ADD COLUMN IF NOT EXISTS loan_start   DATE         NULL COMMENT '대출시작일';
 ALTER TABLE wallet ADD COLUMN IF NOT EXISTS loan_amount  BIGINT       NULL COMMENT '대출 실행 금액(원금, 처음 빌린 금액)';
+ALTER TABLE wallet ADD COLUMN IF NOT EXISTS loan_payment BIGINT       NULL COMMENT '월 상환금(고정, 원리금균등) — 은행 조회액과 맞추기 위한 선택 입력';
 -- 계좌번호 암호화 저장(AES-GCM)으로 평문보다 길어 VARCHAR(255) 필요 — 운영 적용 완료(CREATE TABLE 정의에 반영).
 -- 매 기동 MODIFY 는 라이브 테이블 락 위험이 있어 제거. 기존 환경 확장이 필요하면 1회 수동 적용:
 --   ALTER TABLE wallet MODIFY account_number VARCHAR(255) NULL;

src/main/resources/mapper/WalletMapper.xml

@@ -20,6 +20,7 @@
         <result property="loanMethod" column="loan_method"/>
         <result property="loanMonths" column="loan_months"/>
         <result property="loanStart" column="loan_start"/>
+        <result property="loanPayment" column="loan_payment"/>
         <result property="sortOrder" column="sort_order"/>
         <result property="createdAt" column="created_at"/>
         <result property="updatedAt" column="updated_at"/>
@@ -27,7 +28,7 @@
 
     <sql id="cols">id, member_id, type, name, issuer, account_number, card_type,
         opening_balance, opening_date, current_value,
-        loan_amount, loan_rate, loan_method, loan_months, loan_start,
+        loan_amount, loan_rate, loan_method, loan_months, loan_start, loan_payment,
         sort_order, created_at, updated_at</sql>
 
     <select id="findByMember" parameterType="long" resultMap="walletResultMap">
@@ -45,12 +46,12 @@
             useGeneratedKeys="true" keyProperty="id">
         INSERT INTO wallet (member_id, type, name, issuer, account_number, card_type,
                             opening_balance, opening_date, current_value,
-                            loan_amount, loan_rate, loan_method, loan_months, loan_start,
+                            loan_amount, loan_rate, loan_method, loan_months, loan_start, loan_payment,
                             sort_order, created_at, updated_at)
         VALUES (#{memberId}, #{type}, #{name}, #{issuer},
                 #{accountNumber, typeHandler=com.sb.web.common.crypto.EncryptedStringTypeHandler}, #{cardType},
                 #{openingBalance}, #{openingDate}, #{currentValue},
-                #{loanAmount}, #{loanRate}, #{loanMethod}, #{loanMonths}, #{loanStart},
+                #{loanAmount}, #{loanRate}, #{loanMethod}, #{loanMonths}, #{loanStart}, #{loanPayment},
                 #{sortOrder}, NOW(), NOW())
     </insert>
 
@@ -63,7 +64,7 @@
             current_value = #{currentValue},
             loan_amount = #{loanAmount},
             loan_rate = #{loanRate}, loan_method = #{loanMethod},
-            loan_months = #{loanMonths}, loan_start = #{loanStart}
+            loan_months = #{loanMonths}, loan_start = #{loanStart}, loan_payment = #{loanPayment}
         WHERE id = #{id} AND member_id = #{memberId}
     </update>