Fix loan valuation definition bypasses

tests/test_issue_12_review59_account.py

@@ -104,6 +104,30 @@ def test_import_historical_kb_does_not_replace_newer_current_balance(monkeypatch
     assert service.list_account_valuations(account, db_path=path)["count"] == 2
 
 
+def test_loan_import_preserves_transactions_and_current_cache_without_valuation_candidate(monkeypatch, tmp_path):
+    path = str(tmp_path / "ledger.sqlite3")
+    account = service.create_ledger_account("대출", type="loan", db_path=path)["account"]["id"]
+    monkeypatch.setattr(
+        imports_service,
+        "parse_kb_bank_pdf",
+        lambda *_: _parsed(
+            _fake_tx("2026-06-30", 700, kind="kb"),
+            "loan-kb",
+            {"final_balance": 700, "account_number_masked": ""},
+        ),
+    )
+
+    result = imports_service.import_kb_bank_pdf("ignored", "pw", account_id=account, db_path=path)
+    current = service.list_ledger_accounts(active_only=False, db_path=path)["accounts"][0]
+
+    assert result["success"] is True
+    assert result["inserted_count"] == 1
+    assert current["last_balance"] == 700
+    assert current["last_balance_basis_date"] == "2026-06-30"
+    assert service.list_ledger_transactions(account_id=account, db_path=path)["count"] == 1
+    assert service.list_account_valuations(account, db_path=path)["count"] == 0
+
+
 def test_import_historical_toss_bank_does_not_replace_newer_current_balance(monkeypatch, tmp_path):
     path = str(tmp_path / "ledger.sqlite3")
     account = service.create_ledger_account("Toss", institution="토스뱅크", last_balance=900, last_synced_at="2026-06-30", db_path=path, last_balance_basis_date="2026-06-30")["account"]["id"]