Loan Action : Rescheduling

Rescheduling

The Synofin API's Loan Rescheduling Action is linked to various rescheduling that a user may initiate in accordance with their requirements. This feature involves different step which are :

GET Rescheduling

This API is used for retrieving all the Rescheduling details for the specified Loan Id.

URL: {{base_url}}/loan-management/v1/service-request/status

Request

Request Type: GET

Authorization: Bearer Token

Query Parameter

Key	Data Type	Value
request*	String	Fixed = rescheduling
loanId*	Integer	-

* required Param

Response: 200

{
"response": true,
"data": true,
"error": null
}

Fetch Data for Rescheduling

Upon fetching the SynoFin Rescheduling API. The user can choose the Rescheduling they must carry out in order to fulfil their demand at this point.
Consequently, we use following APIs to retrieve the Data for the selected Rescheduling for the specified Loan Id.

POST Data For Loan Action

To obtain data for Rescheduling, utilise this API.

URL: {{base_url}}/loan-modification/v1/service-request/getDataForLoanActions

Request Type: POST

Authorization: Bearer Token

Query Parameter

No parameter

Loan Actions - Rescheduling	Request Body	Response: 200
Installment Change	{ "loan_id": "integer", "request_id": "installment_change" }	{ "response": true, "data": { "installment_plan": "Installment", "frequency": "string", "anchor_type": " ", "anchor_rate": 0, "spread": 0, "excess_amount": 0, "adjusted_charges": [], "adjusted_installments": [], "effective_date": "2024-02-14", "current_due_day": 0, "installment_amount": 0, "balance_installment_amount": 0, "total_tenure": 0, "tenure_remaining": 0, "repayment_start_date": "2024-02-03", "capitalize_overdue_installment": 0, "capitalize_overdue_charges": 0, "total_capitalize_amount": 0 }, "error": null }
Part Payment	{ "loan_id": "integer", "request_id": "part_payment" }	{ "response": true, "data": { "installment_plan": "Installment", "frequency": "string", "anchor_type": " ", "anchor_rate": 0, "spread": 0, "excess_amount": 0, "adjusted_charges": [], "adjusted_installments": [], "effective_date": "2024-02-14", "current_due_day": 0, "installment_amount": 0, "balance_installment_amount": 0, "total_tenure": 0, "tenure_remaining": 0, "repayment_start_date": "2023-05-03", "capitalize_overdue_installment": 0, "capitalize_overdue_charges": 0, "total_capitalize_amount": 0 }, "error": null }
Loan Down Sizing	{ "loan_id": "integer", "request_id": "loan_downsizing" }	{ "response": true, "data": { "installment_plan": "Installment", "frequency": "string", "anchor_type": " ", "anchor_rate": 0, "spread": 0, "excess_amount": 0, "adjusted_charges": [], "adjusted_installments": [], "payables": [], "effective_date": "2024-02-14", "current_due_day": 0, "installment_amount": 0, "balance_installment_amount": 0, "total_tenure": 0, "tenure_remaining": 0, "repayment_start_date": "2023-05-03", "capitalize_overdue_installment": 0, "capitalize_overdue_charges": 0, "total_capitalize_amount": 0 }, "error": null }
Rate Change	{ "loan_id": "integer", "request_id": "rate_change" }	{ "response": true, "data": { "installment_plan": "Installment", "frequency": "string", "anchor_type": " ", "anchor_rate": 0, "spread": 0, "excess_amount": 0, "adjusted_charges": [], "adjusted_installments": [], "effective_date": "2024-02-14", "current_due_day": 0, "installment_amount": 0, "balance_installment_amount": 0, "total_tenure": 0, "tenure_remaining": 0, "repayment_start_date": "2023-05-03", "capitalize_overdue_installment": 0, "capitalize_overdue_charges": 0, "total_capitalize_amount": 0 }, "error": null }
Tenure Change	{ "loan_id": "integer", "request_id": "tenure_change" }	{ "response": true, "data": { "installment_plan": "Installment", "frequency": "string", "anchor_type": " ", "anchor_rate": 0, "spread": 0, "excess_amount": 0, "adjusted_charges": [], "adjusted_installments": [], "effective_date": "2024-02-14", "current_due_day": 0, "installment_amount": 0, "balance_installment_amount": 0, "total_tenure": 0, "tenure_remaining": 0, "repayment_start_date": "2023-05-03", "capitalize_overdue_installment": 0, "capitalize_overdue_charges": 0, "total_capitalize_amount": 0 }, "error": null }
Due Date Change	{ "loan_id": "integer", "request_id": "due_date_change" }	{ "response": true, "data": { "installment_plan": "Installment", "frequency": "string", "anchor_type": " ", "anchor_rate": 0, "spread": 0, "excess_amount": 0, "adjusted_charges": [], "adjusted_installments": [], "effective_date": "2024-02-14", "current_due_day": 0, "installment_amount": 0, "balance_installment_amount": 0, "total_tenure": 0, "tenure_remaining": 0, "repayment_start_date": "2023-05-03", "capitalize_overdue_installment": 0, "capitalize_overdue_charges": 0, "total_capitalize_amount": 0 }, "error": null }
Moratorium	{ "loan_id": "integer", "request_id": "moratorium" }	{ "response": true, "data": { "installment_plan": "Installment", "frequency": "string", "anchor_type": " ", "anchor_rate": 0, "spread": 0, "excess_amount": 0, "adjusted_charges": [], "adjusted_installments": [], "effective_date": "2024-02-14", "current_due_day": 0, "installment_amount": 0, "balance_installment_amount": 0, "total_tenure": 0, "tenure_remaining": 0, "repayment_start_date": "2023-05-03", "capitalize_overdue_installment": 0, "capitalize_overdue_charges": 0, "total_capitalize_amount": 0 }, "error": null }

POST Master Data for Rescheduling

To obtain Master data for Rescheduling, utilise this API.

URL: {{base_url}}/loan-management/v1/getMasterType

Request Type: POST

Authorization: Bearer Token

Query Parameter

No parameter

Loan Actions - Rescheduling	Request - Request Body	Response: 200
Installment Change	[ { "type": "reason", "parent": "service_request_id", "parent_id": "installment_change" } ]	{ "response": true, "data": [ { "reason": {} } ], "error": null }
Part Payment	[ { "type": "source_of_fund" }, { "type": "treatment_type" }, { "type": "reason", "parent": "service_request_id", "parent_id": "part_payment" } ]	{ "response": true, "data": [ { "reason": {}, "source_of_fund": {}, "treatment_type": {} } ], "error": null }
Rate Change	[ { "type": "rate_change_treatment_type" }, { "type": "reason", "parent": "service_request_id", "parent_id": "rate_change" } ]	{ "response": true, "data": [ { "reason": {}, "rate_change_treatment_type": {} } ], "error": null }
Tenure Change	[ { "type": "reason", "parent": "service_request_id", "parent_id": "tenure_change" } ]	{ "response": true, "data": [ { "reason": {} } ], "error": null }
Due Date Change	[ { "type": "new_due_day" }, { "type": "new_due_date" }, { "type": "due_date_change_treatment_type" }, { "type": "gap_days_interest_treatment" } ] } ]	{ "response": true, "data": [ { "new_due_date": {}, "due_date_change_treatment_type": {}, "gap_days_interest_treatment": {}, "new_due_day": {} } ], "error": null }
Moratorium	[ { "type": "moratorium_treatment" }, { "type": "moratorium_treatment_type" }, { "type": "reason", "parent": "service_request_id", "parent_id": "moratorium" } ]	{ "response": true, "data": [ { "moratorium_treatment": {}, "reason": {}, "moratorium_treatment_type": {} } ], "error": null }

Fetch Charges for Rescheduling

Whenever charges are required to be fetched or charges are applicable for certain loan actions, these APIs are utilised to get Rescheduling costs.

GET Charge for Rescheduling

To obtain data for Rescheduling charges, utilise this API.

URL: {{base_url}}/charges/v1/getChargeForServiceRequest

Request Type: GET

Authorization: Bearer Token

Loan Action - Rescheduling	Request - Query Parameter			Response : 200
Loan Action - Rescheduling	Key	Data Type	Value	Response : 200
Installment Change	serviceReqId*	String	Fixed :installment_change	{ "response": true, "data": { "charges": [] }, "error": null }
Installment Change	loanId*	Integer	-
Part Payment	serviceReqId*	String	Fixed :part_payment	{ "response": true, "data": { "charges": [] }, "error": null }
Part Payment	loanId*	Integer	-
Rate Change	serviceReqId*	String	Fixed :rate_change	{ "response": true, "data": { "charges": [] }, "error": null }
Rate Change	loanId*	Integer	-
Tenure Change	serviceReqId*	String	Fixed :tenure_change	"response": true, "data": { "charges": [] },
Tenure Change	loanId*	Integer	-	"response": true, "data": { "charges": [] },
Due Date Change	serviceReqId*	String	Fixed :due_date_change	"response": true, "data": { "charges": [] },
Due Date Change	loanId*	Integer	-	"response": true, "data": { "charges": [] },

*required parameter

Saving / Initiation Request for Loan Action (Rescheduling)

These are the APIs that are used to save loan rescheduling or initiate service requests initiated by maker so that the checker can review them and then determine what they want to accomplish and either Approve or Reject the Request.

Consequently, we use following APIs to save or intiated the Loan Rescheduling for the selected rescheduling for the specified Loan Id.

POST Save Service Request

To save data for Rescheduling, utilise this API.

URL: {{base_url}}/loan-modification/v1/service-request/save

Request Type: POST

Authorization: Bearer Token

Query Parameter

No parameter

Loan Actions - Rescheduling	Request Body	Response: 200
Installment Change	{ "service_request_type": "installment_change", "service_request_subtype": "0", "loan_id": "0", "request_data": { "effective_date": "2023-04-15", "specify_installment_amount": "0", "reason": "0", "uploadFile": "", "keep_tenure_same": "No", "charges": [], "repayment_schedule_table": "", "remarks": "", "transaction_date": "2023-04-15" }, "service_request_id": "" }	{ "response": true, "data": { "result": null, "service_request_id": 0 }, "error": null }
Part Payment	{ "service_request_type": "part_payment", "service_request_subtype": "0", "loan_id": "0", "request_data": { "effective_date": "2023-04-15", "gross_pre_pay_amount": "0", "excess_amount": "0", "eligible_pre_pay_amount": "0", "source_of_fund": "string", "treatment_type": "string", "balance_installment": "", "installment_amount": 0, "reason": "0", "uploadFile": "", "adjusted_charges": [], "adjusted_installments": [], "charges": [], "repayment_schedule_table": "", "remarks": "", "chargeRate": "0", "transaction_date": "2023-04-15" }, "service_request_id": "" }	{ "response": true, "data": { "result": null, "service_request_id": 0 }, "error": null }
Loan Down Sizing	{ "service_request_type": "loan_downsizing", "service_request_subtype": "0", "loan_id": "0", "request_data": { "effective_date": "2023-04-15", "net_amount": "10000", "treatment_type": "string", "reason": "0", "uploadFile": "", "adjusted_charges": [], "adjusted_installments": [], "charges": [], "payables": [ { "charge_id": 453801, "type": "disbursal_amount", "outstanding_amount": 20000.0, "allocated_amount": 10000 } ], "remarks": "", "chargeRate": "0" }, "service_request_id": "" }	{ "response": true, "data": { "result": null, "service_request_id": 0 }, "error": null }
Partial Loan Cancellation	{ "service_request_type": "partial_loan_cancellation", "service_request_subtype": "0", "loan_id": "0", "request_data": { "effective_date": "2024-04-30", "loan_cancellation_amount": "10000", "loan_amount_after_partial_cancellation": "90000", "treatment_type": "", "reason": "0", "uploadFile": "", "adjusted_charges": [], "adjusted_installments": [], "charges": [], "payables": [], "remarks": "", "chargeRate": "0" }, "service_request_id": "" }	{ "response": true, "data": { "result": null, "status": "initiated", "service_request_id": 0, "unique_transaction_number": null }, "error": null }
Rate Change	{ "service_request_type": "rate_change", "service_request_subtype": "0", "loan_id": "0", "request_data": { "effective_date": "2023-04-15", "interest_rate": "0", "anchor_rate": "0", "spread": "0", "rate_change_treatment_type": "string", "uploadFile": "", "reason": "0", "charges": [], "repayment_schedule_table": "", "remarks": "", "transaction_date": "2023-04-15" }, "service_request_id": "" }	{ "response": true, "data": { "result": null, "service_request_id": 0 }, "error": null }
Tenure Change	{ "service_request_type": "tenure_change", "service_request_subtype": "0", "loan_id": "0", "request_data": { "effective_date": "2023-04-15", "installment_plan": "string", "frequency": "string", "specify_no_of_balance_installments": "0", "reason": "0", "uploadFile": "", "repayment_schedule_table": "", "charges": [], "remarks": "", "transaction_date": "2023-04-15" }, "service_request_id": "" }	{ "response": true, "data": { "result": null, "service_request_id": 0 }, "error": null }
Due Date Change	{ "service_request_type": "due_date_change", "service_request_subtype": "2", "loan_id": "0", "request_data": { "transaction_date": "2023-04-15", "effective_date": "2023-04-15", "current_due_day": 0, "new_due_day": "0", "new_due_date": "2023-05-05", "gap_interest_days": 0, "additional_charges": "", "gap_interest_amount": 0, "due_date_change_treatment_type": "string", "gap_days_interest_treatment": "", "uploadFile": "", "repayment_schedule_table": "", "charges": [], "remarks": "", "next_due_date": "2023-05-05", "interest_start_date": "2023-05-03", "is_gap": "no" }, "service_request_id": "" }	{ "response": true, "data": { "result": null, "service_request_id": 0 }, "error": null }
Moratorium	{ "service_request_type": "moratorium", "service_request_subtype": "0", "loan_id": "0", "request_data": { "transaction_date": "2023-04-15", "effective_date": "2023-04-15", "installment_plan": "string", "frequency": "string", "moratorium_treatment": "string", "moratorium_installments": 0, "additional_charges": "", "moratorium_treatment_type": "string", "installment_amount": 0, "reason": "0", "uploadFile": "", "repayment_schedule_table": "", "remarks": "" }, "service_request_id": "" }	{ "response": true, "data": { "result": null, "service_request_id": 0 }, "error": null }

Request Approval / Rejection

The request must now be approved at the Request page, where users may examine requests and take action.

Click on the link below for knowing more about how request work's

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