Use daily interest accrual for lines of credit and auto loans, fix hasLoanDetail on account list

Lines of credit and auto loans use daily accrual (rate/365 × days) matching
actual bank calculations. Mortgages and personal loans keep monthly compounding.
Include LoanDetail in GetAllAsync so the loan cards correctly show status.

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

src/Purrse.Api/Services/AccountService.cs

@@ -18,6 +18,7 @@ public class AccountService : IAccountService
     public async Task<List<AccountResponse>> GetAllAsync(Guid userId)
     {
         return await _db.Accounts
+            .Include(a => a.LoanDetail)
             .Where(a => a.UserId == userId)
             .OrderBy(a => a.SortOrder).ThenBy(a => a.Name)
             .Select(a => MapToResponse(a))

src/Purrse.Api/Services/LoanService.cs

@@ -49,7 +49,7 @@ public class LoanService : ILoanService
             ExtraPayment = request.ExtraPayment
         };
 
-        var entries = GenerateAmortizationSchedule(loanDetail);
+        var entries = GenerateAmortizationSchedule(loanDetail, account.Type);
         loanDetail.AmortizationEntries = entries;
 
         _db.LoanDetails.Add(loanDetail);
@@ -82,7 +82,7 @@ public class LoanService : ILoanService
         l.EscrowAmount = request.EscrowAmount;
         l.ExtraPayment = request.ExtraPayment;
 
-        var entries = GenerateAmortizationSchedule(l);
+        var entries = GenerateAmortizationSchedule(l, account.Type);
         foreach (var entry in entries)
         {
             entry.LoanDetailId = l.Id;
@@ -118,7 +118,9 @@ public class LoanService : ILoanService
 
         // Build new schedule with extra payments
         var balance = Math.Abs(account.Balance);
+        var useDailyAccrual = UsesDailyAccrual(account.Type);
         var monthlyRate = l.InterestRate / 100m / 12m;
+        var dailyRate = l.InterestRate / 100m / 365m;
         var extraMonthly = request.ExtraMonthlyPayment ?? 0;
         var basePayment = l.MonthlyPayment - (l.EscrowAmount ?? 0);
         var now = DateTime.UtcNow;
@@ -139,7 +141,18 @@ public class LoanService : ILoanService
             paymentNum++;
             var paymentDate = startDate.AddMonths(paymentNum);
 
-            var interest = Math.Round(balance * monthlyRate, 2);
+            decimal interest;
+            if (useDailyAccrual)
+            {
+                var prevDate = startDate.AddMonths(paymentNum - 1);
+                var days = (paymentDate - prevDate).Days;
+                interest = Math.Round(balance * dailyRate * days, 2);
+            }
+            else
+            {
+                interest = Math.Round(balance * monthlyRate, 2);
+            }
+
             var principal = Math.Min(basePayment + extraMonthly - interest, balance);
             if (principal < 0) principal = 0;
 
@@ -181,18 +194,35 @@ public class LoanService : ILoanService
         return new LoanDefaultsResponse(0, interestRate, termMonths, hasSyncData);
     }
 
-    private static List<AmortizationEntry> GenerateAmortizationSchedule(LoanDetail loan)
+    private static bool UsesDailyAccrual(AccountType type) =>
+        type is AccountType.LineOfCredit or AccountType.AutoLoan;
+
+    private static List<AmortizationEntry> GenerateAmortizationSchedule(LoanDetail loan, AccountType accountType)
     {
         var entries = new List<AmortizationEntry>();
         var balance = loan.OriginalBalance;
+        var useDailyAccrual = UsesDailyAccrual(accountType);
         var monthlyRate = loan.InterestRate / 100m / 12m;
+        var dailyRate = loan.InterestRate / 100m / 365m;
         var payment = loan.MonthlyPayment - (loan.EscrowAmount ?? 0);
         var extra = loan.ExtraPayment ?? 0;
 
         for (int i = 1; i <= loan.TermMonths && balance > 0; i++)
         {
             var paymentDate = loan.OriginationDate.AddMonths(i - 1);
-            var interest = Math.Round(balance * monthlyRate, 2);
+
+            decimal interest;
+            if (useDailyAccrual)
+            {
+                var prevDate = loan.OriginationDate.AddMonths(i - 2);
+                var days = (paymentDate - prevDate).Days;
+                interest = Math.Round(balance * dailyRate * days, 2);
+            }
+            else
+            {
+                interest = Math.Round(balance * monthlyRate, 2);
+            }
+
             var principal = Math.Min(payment + extra - interest, balance);
             balance -= principal;
             if (balance < 0.01m) balance = 0;