update docs

docs/thijooree/13-financing.md

@@ -0,0 +1,62 @@
+# Financing
+
+Aggregates financing products across banks — MIB promotional deals and BML loan details — in a single screen.
+
+---
+
+## Fragment — `FinancingFragment`
+
+Observes `HomeViewModel.financing` (MIB deals) and `HomeViewModel.bmlLoanDetails`.
+
+---
+
+## MIB Deals Section
+
+Displays current MIB promotional financing offers fetched from the MIB API. Each deal card shows:
+- Deal name / product title
+- Key terms (profit rate, tenure, minimum/maximum amount)
+- A **Learn More** action that opens the deal detail in an in-app WebView or external browser
+
+Data is loaded once on fragment creation and refreshed on pull-to-refresh.
+
+---
+
+## BML Loans Section
+
+Displays the user's active BML loan/financing accounts. Each card shows:
+- Loan product name
+- Outstanding balance
+- Next instalment amount and due date
+- Loan account number
+
+Data comes from `HomeViewModel.bmlLoanDetails`, which is fetched from the BML loans API using the active BML session.
+
+---
+
+## Card Limits Section (BML)
+
+`HomeViewModel.bmlLimits` provides credit card limit information for BML card accounts. Displayed alongside the loan section:
+- Card name
+- Total limit
+- Available limit
+- Used amount
+
+---
+
+## Pull-to-Refresh
+
+Refreshes both MIB deals and BML loan/limit data independently. Each section shows its own loading indicator.
+
+---
+
+## Empty State
+
+If no MIB session is active or no BML financing accounts exist, the respective section shows an empty-state message with a prompt to add the corresponding bank account.
+
+---
+
+ 
+
+---
+
+[← BML QR Pay](12-bml-qr-pay.md)     **Next →** [Settings](14-settings.md)