# Loan Edit Recalculation Fix - Complete Solution

## Problem
When editing a loan through the Edit Loan form, the changes were being saved to the database correctly, but the loan detail page was still showing the old calculated values instead of the actual stored values.

## Root Causes

### 1. Double-Save Issue in Backend
The `edit_loan` view was calling `loan.recalculate_amounts()` (which saved internally) and then calling `loan.save()` again, causing issues with the recalculation.

### 2. Template Using Calculated Values
The loan detail template was using properties that recalculate values on-the-fly using current product rates:
- `loan.calculated_total_amount` - recalculates total using product rates
- `loan.get_display_interest_amount` - recalculates interest using product rate
- `loan.get_display_processing_fee_amount` - recalculates processing fee using product rate

This meant that even though the database had the correct edited values, the display was showing recalculated values based on the product's current rates.

## Complete Solution

### 1. Fixed Backend (loans/views.py)
**Removed double-save:**
```python
# OLD CODE:
loan.recalculate_amounts()  # This calls save() internally
loan.save()  # Double save!

# NEW CODE:
loan.save()  # Single save, pre_save signal handles recalculation
```

### 2. Fixed recalculate_amounts Method (loans/models.py)
**Removed internal save:**
```python
# OLD CODE:
def recalculate_amounts(self):
    self.total_amount = self.principal_amount + self.interest_amount + self.processing_fee
    self.save()  # This was causing double-save issues

# NEW CODE:
def recalculate_amounts(self):
    self.total_amount = self.principal_amount + self.interest_amount + self.processing_fee
    # Do NOT save here - let the caller decide when to save
```

### 3. Added Effective Rate Calculation Methods (loans/models.py)
**New methods to calculate effective rates from stored values:**
```python
def get_effective_interest_rate(self):
    """Calculate the effective interest rate based on actual interest amount stored"""
    months = max(1, self.duration_days / 30)
    effective_rate = (self.interest_amount / self.principal_amount) / months * 100
    return effective_rate

def get_effective_processing_fee_rate(self):
    """Calculate the effective processing fee rate based on actual processing fee stored"""
    if boost_plus:
        months = max(1, self.duration_days / 30)
        effective_rate = (self.processing_fee / self.principal_amount) / months * 100
    else:
        effective_rate = (self.processing_fee / self.principal_amount) * 100
    return effective_rate
```

### 4. Fixed Loan Detail Template (templates/loans/loan_detail.html)
**Changed from calculated values to stored values:**

| Field | OLD (Calculated) | NEW (Stored) |
|-------|-----------------|--------------|
| Total Amount | `loan.calculated_total_amount` | `loan.total_amount` |
| Interest Amount | `loan.get_display_interest_amount` | `loan.interest_amount` |
| Processing Fee | `loan.get_display_processing_fee_amount` | `loan.processing_fee` |
| Interest Rate | `loan.get_display_interest_rate` | `loan.get_effective_interest_rate` |
| Processing Fee Rate | `loan.get_display_processing_fee_rate` | `loan.get_effective_processing_fee_rate` |

## How It Works Now

1. **Edit Loan:**
   - User changes interest amount from KES 2,560.10 to KES 2,000.00
   - User changes processing fee from KES 256.01 to KES 200.00
   - Form submits these values

2. **Backend Processing:**
   - Validator validates the input
   - Values are assigned to loan object
   - `loan.save()` is called once
   - `pre_save` signal detects changes and recalculates `total_amount`
   - Loan is saved with: Principal 12,800.48 + Interest 2,000.00 + Fee 200.00 = Total 15,000.48

3. **Display:**
   - Loan detail page fetches fresh data from database
   - Shows actual stored values:
     - Total Amount: KES 15,000.48 ✓
     - Interest Amount: KES 2,000.00 ✓
     - Processing Fee: KES 200.00 ✓
     - Interest Rate: 15.63% (calculated from stored interest amount) ✓
     - Processing Fee Rate: 1.56% (calculated from stored processing fee) ✓

## Files Modified

1. **loans/views.py** - Removed double-save in `edit_loan` function, added debug logging
2. **loans/models.py** - Removed `save()` from `recalculate_amounts()`, added `get_effective_interest_rate()` and `get_effective_processing_fee_rate()` methods
3. **templates/loans/loan_detail.html** - Changed all calculated values to use stored values

## Testing

To verify the fix works:

1. Go to any loan detail page
2. Click "Edit Loan"
3. Change the interest amount and/or processing fee
4. Click "Update Loan"
5. Verify the loan detail page shows:
   - Correct total amount (sum of principal + interest + processing fee)
   - Correct interest amount (the value you entered)
   - Correct processing fee (the value you entered)
   - Correct effective rates (calculated from the stored amounts)

## Benefits

- **Accurate Display:** Shows exactly what's stored in the database
- **Edit Flexibility:** Allows custom interest and processing fees per loan
- **Rate Transparency:** Shows the effective rates that were actually applied
- **No Confusion:** Eliminates discrepancy between stored and displayed values
