FINERACT-1234: Fix disbursement validation to respect over-applied loan product configuration

[P-ragati]

Description

Fix disbursement validation to correctly respect over-applied loan product configuration.

Previously, validation restricted disbursement strictly to the approved principal,
ignoring over-applied configuration.

This change:

• Supports both percentage-based and absolute over-applied limits
• Validates against total disbursed amount including capitalized income
• Centralizes validation logic to avoid duplication
• Maintains backward compatibility when configuration is absent

Checklist

• Code compiles successfully
• Changes are minimal and focused
• Logic reused via helper method

[Copilot]

Pull request overview

Updates loan disbursement validation to account for loan product “over-applied” configuration (percentage/absolute) and to validate using total disbursed + capitalized income.

Changes:

• Reworked compareDisbursedToApprovedOrProposedPrincipal() to compute a “max allowed” disbursement threshold using loan product over-applied settings.
• Updated validateOverMaximumAmount() to apply the same threshold logic and include capitalized income in comparisons.
• Adjusted exception messaging/arguments to report total (disbursed + capitalized income) vs the computed maximum.

---

💡 Add Copilot custom instructions for smarter, more guided reviews. Learn how to get started.

[vidakovic]

Please follow the rules for pull request title format: "FINERACT-1234: Your title here"... also: could you please squash the 3 commits into 1... I doubt that you want to keep all three for just a couple of changes in one file. Thanks

[adamsaghy]

@P-ragati Aleks was just giving you an example, he was not asking you to use FINERACT-1234 :D

Please make sure your changes are paired with a relevant JIRA story in https://issues.apache.org/jira/projects/FINERACT/issues/