FINERACT-2593: when loan product is null#5813

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mansi75 wants to merge 5 commits intoapache:developfrom

mansi75:FINERACT-2593-When-LoanProduct-is-null

Commits on Apr 29, 2026

FINERACT-2593: Fix inverted null guard and add self-defensive NPE protection in DelinquencyReadPlatformServiceImpl
mansi75
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FINERACT-2593: Fix inverted null guard and add self-defensive NPE protection in DelinquencyReadPlatformServiceImpl
mansi75
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FINERACT-2593: Address Copilot review — add DelinquencyEffectivePauseHelper mock, fix import formatting, add null-product regression tests, extend active-loan guard
mansi75
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FINERACT-2593: Add null guard in helper method and direct unit tests for calculateAvailableDisbursementAmountWithOverApplied
mansi75
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FINERACT-2593: Fix active-loan branch to call helper unconditionally when LoanProduct non-null
mansi75
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