Loan Save / Loan Creation Version 1
POST Loan Save
This is the API for creating or saving loans. The Loan Save Api receives the loan once it has been generated at LOS and uses it to build the customer's loan portfolio for SynoFin LMS.
URL: {{base_url}}/loan-management/v1/loan/save
Run in Postman: GET Loan Collaterals
Request:
Schema
| Attributes |
Type | Description | Default Value / Master Value | Mandatory | |||
| loan_application |
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| dpd |
integer($int32) | Dpd represents Due Past Days | It should always be a round number | No | |||
| email |
string | Email represents applicant mail id | No | ||||
| address |
string | applicant address | No | ||||
| currency |
integer($int32) | The system or type of money that a particular country uses | No | ||||
| tenure |
integer($int32) minimum: 1 |
The tenure in your loan is the time period between the disbursal of your loan and the last EMI payment that you make. | Yes | ||||
| foir |
number($double) | Fixed Obligation to Income Ratio | |||||
| gender |
string | Applicant gender | Fetched From Masters | ||||
| industry |
string | Type of industry | master values (lists) | ||||
| customer
|
dob |
If DOB IS NULL THEN DOI ELSE DOB | Yes | ||||
| remarks |
No | ||||||
| obligations |
No | ||||||
| email |
string | No | |||||
| address |
line1 |
No | |||||
| line2 |
No | ||||||
| pincode |
No | ||||||
| city |
No | ||||||
| state |
No | ||||||
| country |
No | ||||||
| type |
No | ||||||
| residence_type |
No | ||||||
| documents |
description |
string | No | ||||
| document_url |
string | S3 bucket url | No | ||||
| is_verified |
string | Document Identification number | No | ||||
| applicant_type |
boolean | whether document is verified | No | ||||
| customer_name |
string | No | |||||
| other_document_name |
string | No | |||||
| document_type |
string | Yes (If, Document is uploaded) | |||||
| document_status |
string | No | |||||
| document_state |
string | No | |||||
| receiving_date |
string($date-time) | No | |||||
| document_file |
string | No | |||||
| document_format |
string | No | |||||
| loan_id |
integer($int64) | No | |||||
| document_stage |
string | No | |||||
| disbursal_stage |
string | No | |||||
| document_department |
string | No | |||||
| religion |
string | No | |||||
| caste |
string | No | |||||
| crif |
string | No | |||||
| industry |
string | master values (lists) | No | ||||
| website |
string | No | |||||
| first_name |
string | Yes | |||||
| last_name |
string | Yes | |||||
| middle_name |
string | No | |||||
| gender_id |
integer | IF ID_Title = '1' Then 'Male' IF ID_Title = '2' Then 'Female' Else 'Others' | No | ||||
| category_id |
string | its represent category like General, OBC, SC/ST of a customer | No | ||||
| place_of_birth |
string | place of birth of the customer | No | ||||
| marital_status_id |
string | marital status of the customer | Yes | ||||
| country_code |
string | phone country code of the customer | No | ||||
| contact_person_name |
string | name of the contact person of the customer | No | ||||
| contact_person_mobile |
string | mobile no. of the contact person of the customer | No | ||||
| contact_person_email |
string | email of the contact person of the customer | No | ||||
| preferred_address |
string | No | |||||
| phone_number |
type |
string | Type of Phone number | Yes | |||
| phone |
string | Phone Number | Yes | ||||
| code |
string | Country code | No | ||||
| extn |
string | Phone Extension | No | ||||
| is_whatsapp_no |
boolean | whether it is whatsapp number or not | No | ||||
| related_people | age |
integer($int32) | Age of the person related to customer | No | |||
| dependants |
integer($int32) | No | |||||
| remarks |
string | No | |||||
| name |
string | Name | No | ||||
| address |
line1 | No | |||||
| type | No | ||||||
| dob |
string($date-time) | No | |||||
| degree_id |
string | No | |||||
| phone_number |
type | string | Type of Phone number | Yes | |||
| phone | string | Phone Number | Yes | ||||
| code | string | Country code | No | ||||
| extn | string | Phone Extension | No | ||||
| is_whatsapp_no | boolean | whether it is whatsapp number or not | No | ||||
| occupation_id |
string | Occupation | No | ||||
| same_occupation |
boolean | Whether same occupation as customer | No | ||||
| living_with_him |
boolean | Is related people living with thw customer | No | ||||
| medical_condition |
string | Medical condition | No | ||||
| maiden_name |
string | the original surname of a married woman who uses her husband's surname name after marriage. | No | ||||
| people_type |
string | No | |||||
| relation_id |
string | Relation With customer | No | ||||
| education_qualification_id |
string | Education Qualification | No | ||||
| customer_id |
No | ||||||
| preferred_language |
No | ||||||
| bank_details |
branch_name |
string | name of bank branch | No | |||
| account_number |
string | Account Number | No | ||||
| id |
integer($int64) | No | |||||
| bank_name |
string | Bank Name | No | ||||
| is_repayment_account |
boolean | whether the bank account is repayment account | No | ||||
| is_default_account |
boolean | No | |||||
| branch_ifsc |
string | Branch IFSC Code | No | ||||
| bank_document |
[...] | Bank Related Dcouments | No | ||||
| nach_detail |
NachDetailRootRequestDTO{...} | No | |||||
| umrn_no |
string | No | |||||
| customer_name |
String | Name of Customer | No | ||||
| branch_code |
Strinf | Account Branch Code | No | ||||
| account_type |
string | Type of Account | No | ||||
| business_details |
landmark |
string | landmark | ||||
| phone |
string | ||||||
| msme |
boolean | Ministry of Micro, Small & Medium Enterprises | FALSE | ||||
| ownership |
string | ||||||
| state |
string | ownership of the business | |||||
| district |
integer($int64) | code of the state | |||||
| city |
integer($int64) | code of the district | |||||
| earner |
integer($int64) | code of the city | |||||
| company_or_firm_name |
boolean | check for identify the applicant is the earner or not | |||||
| gross_monthly_income |
string | name of the company or firm of the customer | |||||
| total_work_experience |
integer($int64) | gross monthly income of customer | |||||
| major_occupation |
integer($int32) | total work of the customer in the business | |||||
| full_address |
boolean | check whether the business is the major occupation of the customer or not | |||||
| preferred_communication |
string | full address of the businees | |||||
| pin_code |
boolean | preferred communication | |||||
| total_expense |
string | pincode of the business address | |||||
| udyog_aadhar |
number($double) | total expense of the business | |||||
| loan_net_worth |
string | Udyog Aadhaar Memorandum (UAM) is a single-page registration form under which, as an MSME registration, you can self-certify your entity's existence, bank details, promoter/ owner's Aadhaar details and other needed details | |||||
| designation |
number($double) | what is the net worth of the loan | |||||
| monthly_purchase |
number($double) | amount of purchase in a month | |||||
| monthly_sale |
number($double) | monthly sale of in the business | |||||
| total_year_of_operation |
integer($int32) | year of operation in business | |||||
| occupation_type |
string | type of occupation | |||||
| institution_details |
[...] | it contains instituition details of the customer like employerName, institution_name,registration_number etc | |||||
| customer_type |
string | It holds the info about the type like applicant, coapplicant, guarantor the customer belongs to | |||||
| relationship_with_applicant |
string | applicant releation with the customer | |||||
| customer_relationship_id |
string | it is the customer id from los | |||||
| is_individual |
boolean | ||||||
| constitution_type |
string | it holds the constitution type details like proprietorship, partnership of a customer |
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| authorized_signatory |
string | ||||||
| bureau_score |
string | bureau score of a customer | |||||
| registration_number |
string | ||||||
| registration_type |
string | ||||||
| sub_industry |
string | it contains the sub industry info of the customer | |||||
| partnership_percentage |
integer($int32) | ||||||
| msme_flag |
boolean | ||||||
| msme_subtype |
string | ||||||
| customer_category |
string | it holds the info about customer category line indivisual or non-indivisual | |||||
| commercial_bureau_score |
number($double) | it contains the commercial bureau score | |||||
| kyc_risk_categorization |
string | ||||||
| nach_detail |
NachDetailRootRequestDTO{...} | it contails info about nach deails like umrn no, mandate id, status etc | |||||
| payment |
PaymentToRequestDTO{...} | It contains the payment info like account number, bank name , ifsc etc | |||||
| insurance_data |
[...] | it contains insurence info of the customer | |||||
| equifax |
integer($int32) | it represents the equifax score of the customer | |||||
| education_qualification |
string | it represents education qualification of the cutome | |||||
| graduate |
number($double) | total expense of the customer | |||||
| total_expense |
string | global id of the customer which is common in all bank and nbfc for a particular customer | |||||
| global_customer_id |
integer($int32) | number of dependent of the customer | |||||
| number_of_dependents |
string | A guardian may also be called a conservator when the role includes managing the finances of the child or adult. | |||||
| guardian_name |
integer($int32) | from how many number of year customer live in the current city | |||||
| living_since_current_city |
integer($int32) | number of month living at the current address | |||||
| months_at_current_address |
integer($int32) | number of months living at the current city | |||||
| months_at_current_city |
integer($int32) | number of years living at current address | |||||
| repayment_contribution_amount |
integer($int32) | number of years living at current city | |||||
| repayment_contribution_percentage |
number($double) | the amount of earnings remaining after all direct costs have been subtracted from revenue from the repayment amount | |||||
| repayment_mode |
number($double) | the percentage amount of earnings remaining after all direct costs have been subtracted from revenue from the repayment amount | |||||
| isSubvention |
string | it represents the repayment mode of the EMI | FALSE | ||||
| irr |
number($double) | The internal rate of return (IRR) is a metric used in financial analysis to estimate the profitability of potential investments. | null | ||||
| source_application_number |
string | Source application number generate in LOS | null | Yes | |||
| product_id |
string | Type of product | null | Yes | |||
| branch_id |
string | Bank branch id master values (branch) |
0 | ||||
| dealer_id |
string | Dealer Id master values (dealer) |
null | ||||
| loan_application_id |
integer($int64) | System auto generated | auto_increament | ||||
| interest_rate |
number($double) | Interest Rate | 0 | Yes | |||
| installment_frequency |
string | Instalment Frequency means the period You have nominated to pay, this being monthly or yearly in advance. | null | ||||
| sanctioned_amount |
number($double) | The amount made available by the Lender for disbursal to the Borrower as Loan | Yes | ||||
| disbursed_amount |
number($double) | The agreed-upon amount is actually paid into the borrower's account and is available for use | Yes | ||||
| paid_amount |
number($double) | Paid amount | |||||
| original_tenure |
integer($int32) | Original tenure value | |||||
| current_tenure |
integer($int32) | Current tenure value | |||||
| installment_computed_on |
string | Installment computed on | |||||
| sanction_date |
string($date-time) | An official document issued by a lending organisation to customers stating that their loan is approved. | Yes | ||||
| ltv_ratio |
number($double) | Determines the maximum amount of a secured loan based on the market value of the asset pledged as collateral | |||||
| tax_identification_number |
string | A Taxpayer Identification Number is an identifying number used for tax purposes in the United States and in other countries under the Common Reporting Standard. | |||||
| loan_amount |
number($double) | Loan amount describes the total that one is authorized to borrow | |||||
| loan_tenure |
integer($int32) | The tenure in your loan is the time period between the disbursal of your loan and the last EMI payment that you make. | |||||
| installments_paid |
integer($int32) | Instalment payments refer to a customer paying a bill in small portions throughout a fixed period of time. Instalment payments are a payment plan arranged between the buyer and the seller. | null | ||||
| loan_marking |
[...] | ||||||
| installment_amount |
number($double) | An installment loan is an agreement in which a loan is repaid over time through periodic payments. | null | ||||
| principal_outstanding |
number($double) | Outstanding principal refers to the remaining amount of the original loan, plus any capitalized interest. | 0 | ||||
| customer_name |
string | Applicant name | |||||
| phone_no |
string | Applicant phone number | |||||
| is_whatsapp_no |
boolean | Applicant whatsapp number is store | FALSE | ||||
| advance_installment_count |
integer($int32) | The thing being in case of advance emi, you downpay extra installment counts | |||||
| advance_installment_amount |
number($double) | Advance installment amount | |||||
| total_installments |
integer($int32) | Number of total installments | null | ||||
| is_priority_sector_lending_applicable |
boolean | Priority sector lending is lending to those sectors of the economy which may not otherwise receive timely and adequate credit. This role is assigned by the Reserve Bank of India to the banks for providing a specified portion of the bank lending to few specific sectors like agriculture and allied activities, micro- and small enterprises, education, housing for the poor, and other low-income groups and weaker sections. | FALSE | ||||
| principle_outstanding |
number($double) | Outstanding principal refers to the remaining amount of the original loan, plus any capitalized interest. | 0 | ||||
| total_overdue |
number($double) | Loan overdue refers to the loan amount that a customer fails to repay on time. | |||||
| emi_due |
number($double) | Emi got due | 0 | ||||
| other_charges |
number($double) | Other charges | 0 | ||||
| disbursed_by |
string | Loan disbursed by | Yes | ||||
| source_application_identifier |
string | Unique identifier number | Yes | ||||
| product |
string | Lending products are any of the wide variety of bilateral credit products that are offered by private or public banking firms and institutions. | Product values store in master | ||||
| scheme |
string | A loan granted to a beneficiary by the Finance Partner that is aimed at financing a set of several pre-determined Projects under the Facility. | Scheme value store in master | Yes | |||
| loan_type |
string | Type of Loan | |||||
| loan_application_number |
string | Loan Application number to identify loan | |||||
| balance_principal |
number($double) | The principal balance of your loan is the original amount you borrowed | 0 | ||||
| interest_rate_monthly |
number($double) | Interest rate monthly | 0 | ||||
| customer_relationship_id |
string | Applicant global id | |||||
| customer_category |
string | Applicant category | |||||
| no_of_disbursement |
integer($int32) | Number of disbursement | |||||
| customer_id |
integer($int64) | Applicant Id | |||||
| product_code |
string | Product code | |||||
| scheme_code |
string | Scheme code | |||||
| loan_application_type |
string | Loan application type | |||||
| branch_code |
string | Branch code | |||||
| cibil_score |
integer($int32) | CIBIL Score is a three-digit numeric summary of your credit history. The score is derived using the credit history found in the CIBIL Report | |||||
| lending_rate |
number($double) | Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. | |||||
| scheme_lending_rate |
number($double) | ||||||
| branch_state |
string | Branch State | |||||
| branch_city |
string | Branch City | |||||
| emi_amount |
number($double) | Emi Amount | |||||
| customer_number |
string | Applicant number | |||||
| branch_zone |
string | Branch zone | |||||
| utilized_limit |
number($double) | Utilized Limit | |||||
| dsa_name |
string | Direct Selling Agent. DSA's job is to find potential customers for the bank or the NBFC they represent. | |||||
| unrealized_limit_amount |
number($double) | Unrealised limit amount | |||||
| applied_amount |
number($double) | Actual applied amount by applicant for loan | |||||
| branch_manager |
string | Branch manager | |||||
| sourcing_channel |
string | Sourcing channel | |||||
| risk_category |
string | Risk category | |||||
| sourcing_channel_type |
string | Sourcing channel type | |||||
| pd_location |
string | Pending Revolving Loans means, at any time, the aggregate principal amount of all Revolving Loans requested in any Notice of Borrowing received by the Agent . | |||||
| account_classification |
string | Account classification | Data Fetched From Masters | ||||
| drawing_power |
number | Drawing power is the limit upon which every borrower can withdraw the money within the cash credit limit. | |||||
| lien_mark |
string | Lien marking is the right given to the lender over a security to recover the money in case the credit given to the borrower is not repaid as per the terms agreed to. | |||||
| lien_amount |
number($double) | he amount of money that gets locked by the bank for a fixed period of time. | |||||
| tos |
number($double) | It is a type of document stating details about what a service provider is responsible for as well as user obligations that must be adhered to for continuation of the service. | |||||
| debit_freeze |
string | Frozen accounts do not permit any debit transactions. When an account is frozen, account holders cannot make any withdrawals, purchases, or transfers, but they may be able to continue to make deposits and transfer into it | |||||
| total_freeze |
string | ||||||
| pemi_count |
integer($int32) | It is field to count to mantain the pre-emi count | |||||
| loan_net_worth |
number($double) | Net worth is the difference between the asset and the liability of an individual or a company | |||||
| start_principle_recovery |
boolean | Start of the principle recovery or not | |||||
| caf_number |
string | Customer appllication form | TRUE | ||||
| no_of_cheque_bounce |
integer($int64) | Number of cheque bounce | |||||
| dealer_code |
string | It is a 14-digit numerical code provided by a bank with which your business has a current account. | |||||
| advance_interest |
number($double) | interest relating to a particular period of a loan, calculated or paid at the beginning of the period | |||||
| advance_emi |
number($double) | refers to the type of EMI payments where the first EMI payment is made in advance to the lender | |||||
| advance_emi_payment_mode |
string | Mod of advance emi payment mode | |||||
| advance_interest_payment_mode |
string | advance interest payment mode | |||||
| total_moratorium_count |
integer($int32) | count of total moratorium | |||||
| next_emi_amount |
number($double) | amount of the next emi | |||||
| grace_period |
integer($int32) | Grace period is a feature provided by banks or insurance companies so that customers can delay payment for a certain period of time after the due date | |||||
| delinquency |
integer($int32) | Delinquency means that you are behind on payments. | |||||
| moratorium_period |
integer($int32) | A moratorium period is a duration when the borrower doesn't have to make the home loan EMI payments | |||||
| advance_amount_recovery_type |
string | ||||||
| total_nach_bounce_count |
integer($int32) | count of the nach boune | |||||
| total_count_of_repayment |
integer($int32) | total count of repayment | |||||
| whatsapp_no |
string | whatsapp number | |||||
| aggregated_ltv |
number($double) | he ratio, in which the numerator is equal to the Aggregate Principal Balance and the denominator is equal to the Appraised Value of the Properties | |||||
| overline_amount |
number($double) | A loan amount in excess of a financial institution's legal lending limit to any one borrower in which the institution has enlisted the services of another lender to participate in the loan. | |||||
| total_number_of_bounce_count |
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| moratorium_type |
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| moratorium_months |
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| installment_plan |
string | Hire-purchase Plan, in business, credit that is granted on condition of its repayment at regular intervals, or installments, over a specified period of time until paid in full | |||||
| installment_mode |
string | mode of installment paid | |||||
| disbursal_status |
string | status of disbursal | |||||
| credit_manager_id |
integer($int32) | id of credit manager | |||||
| sourcing_rm |
integer($int32) | sourcing rm | |||||
| loan_status |
string | status of loan | |||||
| sourcing_rm_name |
string | name of sourcing rm | |||||
| sourcing_supervisor |
string | ||||||
| subvention_details |
SubventionDetails{...} | ||||||
| loan_documents | description |
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| document_url |
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| document_value |
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| is_verified |
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| applicant_type |
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| customer_name |
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| other_document_name |
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| document_type |
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| document_status |
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| document_state |
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| receiving_date |
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| document_file |
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| document_format |
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| loan_id |
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| document_stage |
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| disbursal_stage |
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| document_department |
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| collateral | description |
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| address |
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| pincode |
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| remarks |
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| identifier |
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| longitude |
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| latitude |
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| capacity |
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| status |
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| marking |
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| country |
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| region |
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| state |
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| city |
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| district |
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| taluka |
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| village |
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| collateral_id |
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| cersai_score |
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| loan_id |
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| is_building_constructed |
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| built_up_area |
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| carpet_area |
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| age_of_property |
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| residual_age_of_property |
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| plot_number |
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| seller_name |
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| present_registered_owner |
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| tct_no |
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| lot_no |
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| percentage_share |
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| is_property_registered_in_favour_of_borrower |
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| registration_number |
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| agreement_value |
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| amenities_agreement_value |
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| owner_name |
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| ownership_percentage_share |
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| policy_note_number |
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| insurance_company_name |
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| insurance_term |
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| coverage_amount |
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| premium_amount |
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| insurance_deviation_details |
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| cersai_txn_ref_no |
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| cersai_security_interest_id |
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| cersai_no_of_borrowers |
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| cersai_no_of_documents |
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| cersai_no_of_third_parties |
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| country_string |
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| region_string |
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| state_string |
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| city_string |
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| district_string |
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| taluka_string |
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| village_string |
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| karat_value |
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| gross_weight |
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| net_weight |
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| rf_id |
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| collateral_product |
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| installer_name |
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| installer_gstno |
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| installer_address |
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| installer_city |
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| installer_state |
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| installer_pincode |
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| installer_district |
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| installer_id |
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| cost_of_asset |
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| pv_module_model |
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| pv_module_make |
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| inverter_model |
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| inverter_make |
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| asset_type |
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| vehicle_type |
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| manufacturer |
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| product |
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| model |
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| chasis_no |
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| dealer_name |
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| dealer_address |
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| dealer_city |
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| dealer_state |
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| dealer_pincode |
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| policy_cover_note_number |
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| insurance_company |
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| start_date_disburse_date |
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| coverage_type |
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| ownership_status |
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| installer_address_json |
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| vehicle_registration_no |
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| engine_no |
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| global_collateral_identifier |
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| property_information |
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| land_type |
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| land_area |
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| collateral_type |
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| collateral_subtype |
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| repossession_status |
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| property_type |
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| nature_of_property |
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| property_classification |
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| property_ownership |
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| property_purpose |
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| market_value |
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| address_type |
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| current_usage |
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| agreement_type |
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| sale_deed_date |
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| ownership_dates |
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| disbursal_date |
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| cersai_security_interest_creation_date |
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| collateral_document |
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| insurance_start_date |
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| insurance_end_date |
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| valuation_date_of_asset |
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| property_usage |
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| credit_manager |
integer($int32) | Credit managers are responsible for overseeing the credit granting process for a company. | |||||
| sourcing_branch |
integer($int32) | sourcing branch | |||||
| branch |
string | branch | |||||
| disbursal_date |
string($date-time) | disbursal date | |||||
| days_convention |
string | A day-count convention is the system used on debt securities, such as bonds or swaps, to calculate the amount of accrued interest or the present value when the next coupon payment is less than a full coupon period away. | |||||
| recovery_type |
string | type of recovrery of loan | |||||
| recovery_subType |
string | there no many way of recovery money it comes under the recovery subtype | |||||
| next_installment_date |
string($date-time) | due date of next installment date | |||||
| maturity_date |
string($date-time) | date of the ideal closure of the loan | |||||
| asset_classification |
string | Asset classification, the system of assigning investments into groups or categories that have similar characteristics | |||||
| tenure_convention |
string | it is similar to tenure like convention type | |||||
| spdc_details |
[...] | ||||||
| disbursal_details |
disbursal_number |
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| remarks |
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| rate |
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| disbursed_amount |
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| enhanced_amount |
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| reduced_amount |
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| sanctioned_amount |
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| adjusted_amount |
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| net_disbursal_amount |
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| status |
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| disbursal_type |
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| payment_amount |
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| pending_amount |
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| disbursal_breakup |
breakup_number |
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| business_partner_name |
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| business_partner_type |
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| other_payables |
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| disbursal_amount |
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| paid_amount |
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| payment_status |
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| pending_amount |
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| bank_name |
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| ifsc_code |
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| account_number |
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| instrument_type |
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| disbursal_date |
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| linked_loan_details |
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| loan_charges |
original_amount |
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| paid_amount |
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| charge_id |
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| charge_rate |
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| tax_amount |
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| status |
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| receivable_payable |
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| is_tax_applicable |
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| pending_amount |
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| waived_amount |
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| source_id |
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| tax_type |
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| amount_without_tax |
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| charge_label |
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| due_date |
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| transaction_date |
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| receipts |
[...] | ||||||
| charges_receipt_mapping |
[...] | ||||||
| interest_start_date |
string($date-time) | date of the interest start | Yes | ||||
| repayment_start_date |
string($date-time) | Start date of overpayment is fully paid back. | |||||
| repayment_mode |
string | mode of the repayment | |||||
| agreement_date |
string($date-time) | Date of Agreement means the effective date of the agreement which shall not be sooner than the date on which the agreement is executed and acknowledged by both the mortgagor and mortgagee. | |||||
| login_date |
string($date-time) | date at which loan is created | |||||
| disbursal_maker_date |
string($date-time) | date of disbursal request making | |||||
| disbursal_author_date |
string($date-time) | date of disbursal approved date | |||||
| offer_amount |
integer($int32) | amout to be offer | |||||
| partial_tenure |
integer($int32) | partial tenure of tthe loan | |||||
| branch_hierarcy |
JsonNode{...} | ||||||
| state_head |
string | state head | |||||
| interviewer_details |
[...] | ||||||
| psl_applicable |
boolean | psl flag for check whether psl applicable or not | |||||
| is_repayment_contributed | boolean | flag to check whether repayment contribution is applied or not | |||||
| interest_until | integer($int64) | interest till full disbursal | |||||