Loantranche
In some cases organizations may approve loans but not disburse the full amount initially. They would like to spread the disbursement (and risk) over time. Likewise for the client, they may not need the full loan amount up front. They may want to have a loan to buy some equipment for their business but will make one purchase today and another purchase in a few months. In these cases, they don't need the full amount and wouldn't want to pay interest on cash they don't need yet. A solution for this matter is the usage of disbursement in tranches. This class holds the information required for one of this tranche.
The amount this tranche has available for disburse
disbursementDetails object
The disbursement details regarding a loan tranche.
The key of the disbursement transaction logged when this tranche was disbursed. This field will be null until the tranche disbursement
The date when this tranche is supposed to be disbursed (as Organization Time)
2016-09-06T13:37:50+03:00The encoded key of the transaction details , auto generated, unique.
fees object[]
Fees that are associated with this tranche
The amount of the custom fee.
The encoded key of the custom predefined fee, auto generated, unique.
fee object
The response representation of the PredefinedFee. Represents a fee with a defined name and a fixed value.
accountingRules object[]
A list of accounting rules defined for this fee. If null, product default rules are selected.
The encoded key of the accounting rule, auto generated, unique.
General Ledger Financial Resources used to setup the product accounting rules and determine the credit and debit accounts when logging journal entries
Possible values: [PORTFOLIO_CONTROL, FUND_SOURCE, WRITE_OFF_EXPENSE, INTEREST_INCOME, PAYMENT_HOLIDAY_INTEREST_INCOME, TAXES_PAYABLE, FEE_INCOME, PENALTY_INCOME, NEGATIVE_INTEREST_PAYABLE_RECEIVABLE, NEGATIVE_INTEREST_PAYABLE, INTEREST_RECEIVABLE, PAYMENT_HOLIDAY_INTEREST_RECEIVABLE, FEE_RECEIVABLE, PENALTY_RECEIVABLE, TAXES_RECEIVABLE, DEFERRED_INTERESTS_INCOME, DEFERRED_FEE_INCOME, DEFERRED_TAXES, DEPOSIT_REFERENCE, SAVINGS_CONTROL, INTEREST_EXPENSE, INTEREST_PAYABLE, NEGATIVE_INTEREST_INCOME, NEGATIVE_INTEREST_RECEIVABLE, OVERDRAFT_PORTFOLIO_CONTROL, OVERDRAFT_INTEREST_INCOME, OVERDRAFT_WRITE_OFF_EXPENSE, OVERDRAFT_INTEREST_RECEIVABLE, INTER_BRANCH_TRANSFER, INTEREST_FROM_ARREARS_INCOME, INTEREST_FROM_ARREARS_RECEIVABLE, INTEREST_FROM_ARREARS_WRITE_OFF_EXPENSE, PROFIT_EXPENSE, PROFIT_PAYABLE, MUDARIB_SHARE, DISTRIBUTABLE_PROFIT, INTEREST_FROM_FEES_INCOME, INTEREST_FROM_FEES_RECEIVABLE, INTEREST_FROM_FEES_WRITE_OFF_EXPENSE, CREDIT_BALANCE_PAYABLE, UNAPPLIED_FUNDS]
The encoded key of the account that is mapped to the financialResource
The key of the transaction rule that uses this rule
amortizationSettings object
The settings for defining period intervals.
Type of amortization profile used for fee
Possible values: [NONE, SUM_OF_YEARS_DIGITS, STRAIGHT_LINE, EFFECTIVE_INTEREST_RATE]
The encoded key of the period interval settings, auto generated, unique.
Flag for signaling if fee amortization should be continued or finished at account reschedule/refinance
Possible values: [END_AMORTIZATION_ON_THE_ORIGINAL_ACCOUNT, CONTINUE_AMORTIZATION_ON_THE_RESCHEDULED_REFINANCED_ACCOUNT]
Frequency settings of the fee amortization
Possible values: [ACCOUNT_INSTALLMENTS_DUE_DATES, ACCOUNT_INSTALLMENTS_DUE_DATES_DAILY_BOOKING, CUSTOM_INTERVAL]
Total number of intervals
Defines the options for an interval
Possible values: [PREDEFINED_INTERVALS, FULL_TERM]
Period count used in conjunction with periodUnit to determine the next date of the interval
Amortization unit to determine the interval between amortizations
Possible values: [DAYS, WEEKS, MONTHS, YEARS]
The amount of the fee
Mambu Function name used for the fee calculation
The amount from which the fee is calculated using percentageAmount
Possible values: [FLAT, LOAN_AMOUNT_PERCENTAGE, REPAYMENT_PRINCIPAL_AMOUNT_PERCENTAGE, LOAN_AMOUNT_PERCENTAGE_NUMBER_OF_INSTALLMENTS, FLAT_NUMBER_OF_INSTALLMENTS, IOF_PERCENTAGE_OF_DISBURSED_AMOUNT, IOF_PERCENTAGE_OF_INSTALLMENT_PRINCIPAL, IOF_PERCENTAGE_OF_LATE_INSTALLMENT_PRINCIPAL, MAMBU_FUNCTION, FEE_RATE_ON_OUTSTANDING_PRINCIPAL]
Shows when a fee should be applied; to be used with monthly deposit fees
Possible values: [MONTHLY_FROM_ACTIVATION, FIRST_OF_EVERY_MONTH]
Shows the creation date of the fee
2016-09-06T13:37:50+03:00The rate of the fee applied to parentSource
The encoded key of the predefined fee, auto generated, unique
The type of fee application when disbursement is applied
Possible values: [REQUIRED, OPTIONAL]
The id of the fee
Indicates if the fee can be included in penalty calculation
Indication if the fee bears interest
Shows the last modified date of the fee
2016-09-06T13:37:50+03:00The name of the fee
The amount of the fee in percents applied to percentSource
Method to allocate a fee to installments on the schedule
Possible values: [ON_INSTALLMENT, NO_ALLOCATION]
Indicates the state of the fee
Possible values: [ACTIVE, INACTIVE]
taxSettings object
Tax settings for a specific Predefined fee that overrides the tax settings of Loan Product
Marks a specific fee as non-taxable (taxes are not calculated for it).Feature is in the Early Stage. To be enabled by request.
Possible values: [DEFAULT, NON_TAXABLE, CUSTOM_TAX]
Shows the event that will trigger a fee
Possible values: [MANUAL, MANUAL_PLANNED, DISBURSEMENT, CAPITALIZED_DISBURSEMENT, UPFRONT_DISBURSEMENT, LATE_REPAYMENT, PAYMENT_DUE, PAYMENT_DUE_APPLIED_ON_DUE_DATES, ARBITRARY, IOF, EARLY_REPAYMENT_CHARGE, FEE_INCLUDED_IN_PMT]
The percentage of the custom fee.
The encoded key of the predefined fee
Index indicating the tranche number
{
"amount": 0,
"disbursementDetails": {
"disbursementTransactionKey": "string",
"expectedDisbursementDate": "2016-09-06T13:37:50+03:00"
},
"encodedKey": "string",
"fees": [
{
"amount": 0,
"encodedKey": "string",
"fee": {
"accountingRules": [
{
"encodedKey": "string",
"financialResource": "PORTFOLIO_CONTROL",
"glAccountKey": "string",
"transactionChannelKey": "string"
}
],
"amortizationSettings": {
"amortizationProfile": "NONE",
"encodedKey": "string",
"feeAmortizationUponRescheduleRefinanceOption": "END_AMORTIZATION_ON_THE_ORIGINAL_ACCOUNT",
"frequency": "ACCOUNT_INSTALLMENTS_DUE_DATES",
"intervalCount": 0,
"intervalType": "PREDEFINED_INTERVALS",
"periodCount": 0,
"periodUnit": "DAYS"
},
"amount": 0,
"amountCalculationFunctionName": "string",
"amountCalculationMethod": "FLAT",
"applyDateMethod": "MONTHLY_FROM_ACTIVATION",
"creationDate": "2016-09-06T13:37:50+03:00",
"defaultFeeRate": 0,
"encodedKey": "string",
"feeApplication": "REQUIRED",
"id": "string",
"includeInPenalty": true,
"interestBearing": true,
"lastModifiedDate": "2016-09-06T13:37:50+03:00",
"name": "string",
"percentageAmount": 0,
"scheduleAllocationMethod": "ON_INSTALLMENT",
"state": "ACTIVE",
"taxSettings": {
"taxableCalculationMethod": "DEFAULT"
},
"trigger": "MANUAL"
},
"percentage": 0,
"predefinedFeeEncodedKey": "string"
}
],
"trancheNumber": 0
}