feat(loan-origination): product type, income/co-borrower affordability, bank statement & CIC analysis, richer Field Investigation, and meeting-scheduled Personal Discussion

- New Application: add Product Type (Term Loan/Overdraft) driven by product eligibility.
- KYC: 3-year ITR capture with exceptions, product-specific document checklists with officer-added
  custom docs, Housing Loan co-owner Aadhaar/PAN capture+verify in a popup dialog.
- Income & Affordability: editable income/amount/tenure with product bounds validation, 40% EMI
  rule, and a full co-borrower flow (relationship, salary slips, combined-income eligibility).
- Bank Statement upload auto-opens a full CSV-driven cash-flow/FOIR/risk analysis dialog.
- CIC report upload auto-opens a bureau-style credit report analysis (score gauge, accounts,
  DPD history, enquiries) generated from the application's own credit score.
- Field Investigation reworked into per-address cards (Home/Office/Property/Shop) with officer
  assignment, 48-hour SLA tracking, GPS + multi-photo capture, verify/reject with remarks, a
  full-detail popup, real Fineract addresses for existing clients, and a calculated property
  valuation (market/guideline/realizable value, LTV).
- Personal Discussion: meeting scheduler (date/time/mode/officer) gating the discussion report,
  plus a full Application Summary Report PDF (KYC, CIC, FI, valuation, stage history) for the
  meeting.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

src/app/loan-origination/loan-pipeline/loan-pipeline.component.ts

@@ -27,12 +27,16 @@ import {
   OriginationStage,
   OverallStatus,
   PRODUCT_TARGET_PCT,
+  PRODUCT_TYPE_LABELS,
+  ProductType,
   STAGE_LABELS,
   STAGE_ORDER,
   STATUS_LABELS,
   TARGET_STATUS_LABELS,
   TargetStatus,
+  allowedProductTypes,
   createApplication,
+  defaultProductType,
   progressPct,
   stageBadgeClass,
   targetStatus,
@@ -138,10 +142,26 @@ export class LoanPipelineComponent implements OnInit {
     clientId: null as number | null,
     branchCode: this.branches[0].code,
     productCode: this.products[0].code,
+    productType: defaultProductType(this.products[0].code),
     requestedAmount: null as number | null,
     tenureMonths: null as number | null
   };
 
+  readonly productTypeLabels = PRODUCT_TYPE_LABELS;
+
+  /** Which Product Types the currently-selected product can be sanctioned as -- Cash Credit/KCC
+   *  are Overdraft-only, Gold Loan offers both, everything else is Term Loan-only. */
+  get newAppProductTypeOptions(): ProductType[] {
+    return allowedProductTypes(this.newApp.productCode);
+  }
+
+  /** Switching Product can change which Product Types are even valid -- reset to that product's
+   *  default rather than leaving a stale selection (e.g. "Overdraft" left over from Gold Loan)
+   *  on a product that doesn't offer it. */
+  onProductChange(): void {
+    this.newApp.productType = defaultProductType(this.newApp.productCode);
+  }
+
   /** Existing-customer search (real Fineract clients, unlike the rest of this mock pipeline). */
   existingClientSearchText = '';
   existingClientSearchResults: any[] = [];
@@ -513,6 +533,7 @@ export class LoanPipelineComponent implements OnInit {
         branchName: branch.name,
         productCode: product.code,
         productName: product.name,
+        productType: this.newApp.productType,
         secured: product.secured,
         requestedAmount: this.newApp.requestedAmount,
         tenureMonths: this.newApp.tenureMonths || product.minTenure,
@@ -530,6 +551,7 @@ export class LoanPipelineComponent implements OnInit {
       clientId: null,
       branchCode: this.isHeadOffice ? this.branches[0].code : this.ownBranchCode || this.branches[0].code,
       productCode: this.products[0].code,
+      productType: defaultProductType(this.products[0].code),
       requestedAmount: null,
       tenureMonths: null
     };