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feat: institutional-grade financial math engine (5 features)#31

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HeetRanpura wants to merge 1 commit intoadvikdivekar:mainfrom
HeetRanpura:feat/institutional-financial-math
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feat: institutional-grade financial math engine (5 features)#31
HeetRanpura wants to merge 1 commit intoadvikdivekar:mainfrom
HeetRanpura:feat/institutional-financial-math

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  1. Dynamic GST Slab Auto-Classifier (0%/1%/5%)
  2. District-Level Stamp Duty with Female Buyer Concession
  3. Bank FOIR Underwriting Check (RBI 50% limit)
  4. Hidden Fee Aggregator (bank fees, legal, property tax)
  5. Property Age & Structural Depreciation Factor

1. Dynamic GST Slab Auto-Classifier (0%/1%/5%)
2. District-Level Stamp Duty with Female Buyer Concession
3. Bank FOIR Underwriting Check (RBI 50% limit)
4. Hidden Fee Aggregator (bank fees, legal, property tax)
5. Property Age & Structural Depreciation Factor

All 5 features are tightly coupled through shared schemas and
calculation pipeline. Splitting into separate PRs would cause
merge conflicts since they all modify the same core files.
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