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open_loan uses stale property valuation — no live oracle check at loan origination #25

Description

@Escelit

Description:
open_loan fetches property.valuation from PropertyRegistry storage, which was set at the last call to update_valuation. There is no freshness check against the oracle at loan origination time. A property owner can:

  1. Have their property valued at 1 000 000 via oracle.
  2. Wait for the oracle price to drop to 600 000 (stale).
  3. Call open_loan using the inflated stored valuation, borrowing up to 700 000 (70 % of 1 000 000) against collateral worth only 600 000.

Expected behaviour:
open_loan should call OracleAdapter::get_price for the property asset and validate the stored valuation is within an acceptable range, or use the oracle price directly for LTV computation.

Labels: security, contracts, mortgage-pool, high-priority

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