Loan Management

Consumer Loan
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Table of content
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2014 SAP SE or an SAP affiliate company. All rights reserved.
Page 1 of 34
Table of content
1 Consumer Loan
1.1 Editing a Consumer Loan
1.1.1 Creating a Model Calculation
1.1.2 Creating a Consumer Loan
1.1.3 Disbursing a Consumer Loan
1.1.4 Rescinding a Consumer Loan
1.1.5 Entering a Reduction
1.1.6 Changing the Installment Plan
1.1.7 Discharging a Consumer Loan
1.1.8 Editing Credit Life Insurance
1.1.9 Rescinding or Giving Notice on Credit Life Insurance
1.1.10 Entering an Insurance Case
1.1.11 Setting Condition-Determining Parameters
1.2 Changing a Consumer Loan
1.3 Displaying a Consumer Loan
2 Consumer Loan
2.1 Changing the User Interface for Contract
2.2 Products and Conditions
2.2.1 Product
2.2.1.1 Creating a Product
2.2.1.2 Changing a Product
2.2.1.3 Displaying a Product
2.2.1.4 Product Comparison
2.2.1.5 Deleting a Product
2.2.1.6 Editing Product Attributes
2.2.2 Condition Table
2.2.2.1 Creating a Condition Table
2.2.2.2 Changing a Condition Table
2.2.2.3 Displaying a Condition Table
2.2.2.4 Example Condition Table: Installment Loan
2.2.3 Condition Assignment
2.2.3.1 Editing a Condition Assignment
2.2.3.2 Example Condition Table and Condition Assignment - Consumer Loan
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2 Consumer Loan
Definition
The product category Consumer Loans (340) classifies small, short-term loans granted to private individuals for the financing of consumer goods such as
cars, televisions and furniture. You can use product types and products to map these loans according to your own company-specific requirements.
Note
You can only post loans from this category to customer accounts. This means that there must be a customer account for the loan partner in Financial
Accounting .
You can only use this product category for loans given.
Structure
Consumer loans can have the following statuses in Loans Management.
No status
You can store a loan without status, in other words, as a model calculation.
For more information, see Model Calculation .
Application
Contract offer
Contract
A loan from the category Consumer Loan (340) consists of the following parts:
Model calculation
The model calculation comprises data for the following areas:
Capital Amounts
Interest
Installment
Term
Credit life insurance
Condition-determining parameters
The model calculation is used as a basis for a loan contract. The values from the model calculation are proposed or pre-defined by the underlying
product and the model calculation assigned to it. For more information, see Product , Condition Table and Condition Assignment .
You can create up to 99 model calculations per business partner. A model calculation can cover several alternative versions that you can
compare. You can use a model calculation as the basis for more than one loan.
You can define the fields covered by the model calculation yourself. For more information, see Changing the Contract Interface .
Model Comparison
The model comparison contains the existing versions of a model calculation and compares these clearly in a table. You can print out the model
comparison and give it to the interested party to take home with them. The interested party can compare the data in the different versions, such as the
installment amount, term, and effective interest and can decide for one of the versions. You use this version as the basis for the contract.
Installment Plan
Every time you execute a model calculation, whether you are creating a model calculation, changing the installment plan, or executing certain business
operations, the system recalculates the installment plan for the loan. This contains the data for the regular repayment of a loan:
Amount of the regular payment installments
Number of payment installments
Date of the installment payment (which day of the month)
Due date of the next installment due
Settlement installment (Amount of the final installment to be paid)
End date for the loan term
Term of the loan in months
Original term in months
Maximum term permitted in months
You can make specific changes to the installment plan if the borrower would like to increase or decrease the payment installment or change the
day on which the installment is paid, for example. For more information, see Changing the installment plan .
Contract
The Contract tab page is relevant once the loan has reached status Application .
The contract comprises the following data:
Contract header
Partly from the model calculation and the installment plan:
The underlying product
The amount of the premium for credit life insurance
The amount of the contract conclusion charge
Total loan amount
Net loan amount
Nominal interest rate
Effective interest rate
Contract parameters 1, 2 and 3 that you have defined to meet your company-specific requirements.
For more information, see Changing the contract interface .
Attachments to the contract
Main Borrower
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Settlement
Disbursement
Document Folder
Insurance
Supplementary collateral
Other Partners
The credit life insurance (CLI) is an attachment to the loan contract. You will find it on the Attachments section of the Contract tab page. The borrower
can conclude a credit life insurance contract in connection with the loan contract. A credit life insurance secures the remaining debt of the loan amount
in the event of the death of the borrower (or other persons, if appropriate). The borrower can also insure for cases of occupational disability and/or
unemployment.
The settings in the underlying product specify whether or not a CLI is possible and/or obligatory.
Integration
You define the product types that are based on this product category and make the basic settings for the loans in this product category in the implementation
guide (IMG) for Loans Management .
In the SAP Easy Access screen, under Current Settings , you define the products that you assign to the product types and the condition tables that you
assign to the products. For more information, see Current Settings
1.1 Editing a Consumer Loan

Use
You use this function to process a loan in the category Consumer Loan (340).
Note
Accounting .
Prerequisites
You will find more information in the Prerequisites section of the respective subfunctions.
Scope of Functions
This function covers the following subfunctions:
Creating a Consumer Loan
When you choose the function Edit Consumer Loan in the SAP Easy Access menu, the Create Consumer Loan screen appears. You can execute
the following functions in this screen:
Create Model Calculation
Discharge Consumer Loan
Find Model Calculation
Find Loan
Change Consumer Loan
If you display a model calculation you can execute the Create Consumer Loan function.
When you display a loan, choose
Edit Change
and the Change Consumer Loan appears. You can execute the following functions in this
screen:
Disburse a Consumer Loan
Change Installment Plan
Enter Reduction
Rescind Consumer Loan
Edit Credit Life Insurance
Rescind/Give Notice on Credit Life Insurance
Enter an Insurance Case
Reset contract status
You can use this function if you have incorrectly saved a loan with Contract status.
Display Consumer Loan
Every time you save your changes to a loan, the Display Consumer Loan screen appears. To continue processing the loan, choose
Edit Change
and the Change Consumer Loan appears.
You can use the following functions:
Create Correspondence
Change Credit Standing
Display Financial Data
Change Organization
Display Account Statement
You can set an interest on arrears lock for each flow in the account statement, for example. To do this, select the whole line and choose
Extras
IOA Lock
Set.
Display Cash Flow
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Display Processing Characteristics

Display Business Operations
Display Change Documents
Display release history
Display Object Links
Display Finance Object
Set Condition-Determining Parameters
Activities
To call a loan for processing, proceed as follows:
1. In the SAP Easy Access menu chose
Accounting Bank Applications
Loans Management
2. Enter the company code and choose
Loan Find Loan
.
A dialog box appears in which you can enter your search criteria.
3. Enter the search criteria and select the loan by selecting the row and choose Copy .
New Business
Consumer Loan
Edit
Note
If you know the loan number, once you have entered the company code you can use the context menu in the loan number field (right mouse button)
to enter the number and call the loan directly.
The system displays the loan in display mode.
4. Choose
Edit DisplayChange
and the Change Consumer Loan screen appears.
1.1.1 Creating a Model Calculation

Use
You create a model calculation as the basis for a loan contract. You can create up to 99 model calculations per business partner. A model calculation can
cover several alternative versions that you can compare. If the interested party returns to the branch to transfer the model calculation into an application,
contract offer or contract after you have entered the model calculation in the system, you can find the model calculation on the basis of the business partner,
for example by searching for the name and first name or the business partner number.If you transfer the model calculation into a contract, the version of the
model calculation selected becomes part of the contract. You can use the same model calculation to create several applications, offers and contracts.
For more information see the Structure section in Consumer Loan
Prerequisites
In the IMG activity Define Product Types you need to have defined at least one product type, based on the product category Consumer Loan (340).
You need to have created at least one product that is activated, valid and assigned to the product type.
You define Products in the SAP Easy Access screen under Current Settings .
You need to have created at least one condition table that is activated, valid and assigned to the product.
You define Condition Tables in the SAP Easy Access screen under Current Settings .
Procedure
1.
2.
3.
4.
In the SAP Easy Access menu, choose

Loans Management New Business
Consumer Loan Edit.
Enter the company code and choose
Loans
Create.
Specify the product on which you want to base the loan.
Specify an existing business partner for the interested party. If a suitable business partner does not exist, create one using the input help.
Note
If you create a business partner, ensure that you have selected a product first. You do not have to make any additions to the business partner later
on.
If you already know the business partner number, you can enter this using the context menu for the Partner field.
5.
6.
7.
8.
Enter the loan amount required by the interested party.

Enter either the required amount or the number of payment installments.
Enter a note to payee and the day of the month on which the installment payment is to be made.
If the loan is to be secured by a credit life insurance policy, add the data for the credit life insurance and specify whether in addition to the event of death
the policy is also to cover occupational disability and/or unemployment.
The main loan partner is always one of the persons insured. The system proposes the data for the insurance policy from the Business Partner.
If you want to conclude the insurance policy for other persons, you only need to enter the gender and date of birth of these persons at this point. Only
when you create a loan from the model calculation (status Application, Contract Offer or Contract ) do you need to assign or create a suitable
business partner.
If the business partner for the borrower is a group of two persons, such as a married couple, the system proposes the data for both persons from the
business partner. Only when you create a loan from the model calculation (status Application, Contract Offer or Contract ) do you need to specify
which of the two is the insured party.
For more information, see Processing credit life insurance .
If the borrower does not require a life insurance policy, make sure that there is no tick in the CLI column for the loan.
Note
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Some products do not specify a credit life insurance policy so you cannot enter a credit life insurance policy when you create the model calculation.
Some products require a credit life insurance policy so you must enter this when you create a model calculation.
9. Choose Execute Model Calculation .
If you have not entered or confirmed the Condition-Determining Parameters within this log-on in the system, a dialog box appears in which you enter
your organization unit and sales channel and choose Continue .
You can create several versions of the model calculation by changing one or more parameters and choosing Carry Out Model Calculation again. The
last model calculation to be carried out each time is always the current version.
10. Save your entries .
Result
You have created a model calculation for the interested party.
You can print out the versions of the model calculation and give it to the interested party to take home with them.
You can use the model calculation as a basis for an application, a contract offer or a contract, depending on the status transfers permitted in your system.
1.1.2 Creating a Consumer Loan

Use
You can create a loan in the following statuses:
Application
The interested party has applied for a loan at your company.
Contract offer
Your company has offered the interested party a loan contract.
Contract
The interested party has accepted the offer. A legally binding loan contract now exists.
Recommendation
SAP recommends that you only enter the loan in status Contract once the interested party has signed the contract offer.
Prerequisites
In the Customizing settings for Loans Management you need to define the possible status transfers in the IMG activity Company Code-Dependent
Settings for Product Type .
At least one model calculation for the business partner must exist in the system.
You need to have fulfilled the following prerequisites to be able to save the loan in status Contract .
The status of the attachments on the Contract tab page must be green , yellow , or deactivated .
For more information on the attachment Credit Life Insurance , see Processing Credit Life Insurance .
The business partner for the borrower must be created completely for a role from the main borrower role category (TR100).
Procedure
1. In the SAP Easy Access menu, choose
Consumer Loan Change.
Loans
Find Model Calculation
.
The Business Partner Search screen appears.
3. Enter the search criteria and select the business partner.
The system displays all the existing model calculations for the business partner.
4. Select a model calculation and choose Continue .
You can compare the existing versions of the model calculation and create additional versions.
5. Choose the model calculation that is to be used as the basis for the loan by double-clicking on the relevant row.
A green tick appears next to the row in the Selected column.
6. In the Status field, select the value Application, Contract Offer or Contract and choose
Loan Save
.
The system saves the loan and changes to the display mode.
Result
You have created a loan for the business partner in the status Application , Contract Offer or Contract .
You can generate and print out correspondence for the loan, such as a contract offer.
You can change the status of the loan by calling up the loan, changing the values in the Status field and saving your entries. The possible status
transfers depend on the settings in your system.
1.1.3 Disbursing a Consumer Loan

Use
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You use this function to disburse a loan from category Consumer Loan (340) within the function Change Consumer Loan .
Integration
In the context of managing loans given, the disbursement function only represents the entry of the planned outgoing payment in accounting. For the money to
actually be paid out by your company, you need to take the following steps once the disbursement has been entered:
Post Disbursement
You can still change the disbursement before you post it.
You post the disbursement by executing the functions Post Planned Records or Post Individual Loan under Accounting .
You post the drawing amounts to customer accounts. (This means the a customer account exists for the borrower in FI Financial Accounting .)
You do not post the credit life insurance single premium to a customer account but to a general ledger account.
Create payment
You transfer the drawing amount to the recipients bank account by executing the Automatic Payment Transactions - Customer under Accounting .
For more information, see Creating Payments
Note
Ensure that you process a disbursement using the payment program as soon as possible after it has been posted.
Prerequisites
You need to have completed the following activities in Customizing for Loans Management :
In the IMG activity Define Product Types you can determine whether the system calculates the interest proportionally for each disbursement
(interest per disbursement), or according to the status of the current interest calculation capital (balance method) for partial disbursements within
the same period (interest period).
If you determine that the balance method is used, the system no longer generates interest flows for posted interest periods in which partial
disbursements have been entered.
In the IMG activity Company Code-Dependent Settings for Product Type , you can determine whether the system includes the disbursement date
in the calculation of the interest value date. You can also specify the payment method the system should use to make the postings to the
customer account.
In the IMG activity Define Flow Types, you must have defined the value 1 (automatic posting) in the Posting Control field for the flow types for
the drawing amounts and the contract conclusion charge.
In the IMG activity Define Flow Types you need to define the value 2 (Withholding Amount) in the field Withhold.disb. for the flow type for the
CLI single premium and the contract conclusion charge so that the system saves, posts and clears these automatically.
In the IMG activity Define Condition Groups , under Assign Flow Types to Condition Groups per Application , you must have assigned a
single flow type for disbursement with application subfunction 1 ( Disbursement: Settlement ), and the payment transaction ID 1 ( customer
account posted ), to the corresponding condition group.
You can assign additional flow types for application subfunction 1 ( Disbursement: Settlement ) for the CLI single premium (credit life insurance)
to the same condition group but these must have the payment transaction ID 0 (customer account not posted).
In the IMG activity Define Document Group you define document groups.
In the settings for the underlying product you can specify that the borrower must provide documents from this document group, such as salary
statements, so that the system can disburse the loan. You define Products in the SAP Easy Access screen under Current Settings .
In the IMG activity Define Plausibility Checks you must not set the Partner indicator for the corresponding product type.
In the Business Partner you must set the Alternative Payer in Document indicator on the Payment Transactions tab page for the borrower in the role
of Business Partner with Company Code (FTB000), so that you can enter a different recipient from the main borrower for the disbursement.
A loan from category Consumer Loans (340) must exist in the system with status Contract .
Features
You can disburse a loan completely (full disbursement) or in more than one partial disbursement. You enter one or more drawing amounts that together
do not exceed the total of the Net Payment Amount .
Note
If you enter a disbursement with an earlier payment date than the date of the most recent existing disbursement, the system deletes this
automatically.
The system always creates exactly one drawing per disbursement. However, the system does not create a drawing for the single premium of a credit life
insurance policy forming part of the loan but posts this to a general ledger account.
As soon as you have saved the first disbursement, the system calculates the interest and repayments for the full term of the loan.
Activities
1. In the Change Consumer Loan function, choose the Contract tab page.
2. In the Attachments section, choose the function Change Attachment in the Disbursement row.
The Disbursements screen appears.
3. Change or adopt the values proposed.
If you want to enter more than one disbursement, you can insert additional rows and add the required disbursement date, the disbursement amount and
other data.
If the payment amount of the disbursement (or a part of it) is not to be paid out to the main borrower but to a third party, insert an additional row and
enter the business partner required as well as the payment date and the drawing amount.
4. Choose Continue .
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1.1.4 Rescinding a Consumer Loan

Use
You use this function to rescind a loan from category Consumer Loan (340) within the function Change Consumer Loan .
Rescinding a loan contract renders it ineffective. The borrower does not incur any costs.
The business operation Rescission can have the following statuses:
Created
The contract is only flagged for rescission at first.
The system only executes the business operation when the borrower has paid back the rescission balance on time.
Completed
The receivable is cleared directly by bank collection or the borrower has already repaid the rescission balance.
Integration
This function is related to the following functions:
Payoff for Consumer Loans
The rescission is only possible within the rescission period. If the rescission period has passed and your company has not recognized the rescission,
taking any goodwill agreements into consideration , you can suggest that the borrower pay off the loan. You will find this function in the Workplace for
Business Operations .
A payoff terminates a loan contract prematurely. The borrower incurs costs, such as interest, charges and a prepayment penalty.
Delete Rescission Indicator in Consumer Loan
If the borrower has not transferred the money on time, this function resets the rescission entered.
Automatic Processing of Overpayments for Consumer Loans
If the borrower has transferred the rescission balance on time, this function triggers the execution of the rescission created and clears the receivable
from the rescission with the transfer.
Prerequisites
If you want to use the release function in connection with the rescission, you must set up the release for the release object VDARL ( Loan Master Data
) and for the corresponding product type in the Customizing settings for Loans Management . For more information, see Release .
You need to have defined the Rescission Period in Days and the Payoff Period in Days for the underlying product under
Business Operations
Business Operation: Rescind Contract
. For more information, see Product .
A loan from category Consumer Loan (340) must exist in the system.
Scope of Functions
You can rescind a loan with status application and contract offer at any time, since in these cases a legally binding loan contract has not yet been
concluded. You only need to enter a reason for non-acceptance.
You can only rescind a loan with status Contract within the rescission period. The rescission period is specified by the underlying product.
If the rescission period has passed, the rescission must be released by an employee with the appropriate authorization.
If the loan has already been partially or fully disbursed on the date when the rescission is declared, the rescission balance must be repaid within the
payoff period, either by bank collection from the checking account of the borrower or by a bank transfer made by the borrower. The payoff period is
defined in the underlying product.
If the payment method entered for the rescission balance is Direct Payer, when you enter the rescission the system only creates it with status
Created . This means it sets the rescission indicator for this loan. As long as a loan is displayed with this indicator, the system excludes this
from the debit position run (function Post planned records or Post individual loan ). The borrower must now repay the rescission balance within the
payoff period.
If the payoff amount is not received on time, the rescission is no longer effective and the loan contract is still valid. The report Delete
Rescission Indicator in Consumer Loan , which is run daily, checks whether the payoff amount has been paid. It also deletes the rescission
indicator in the loan.
If the payoff amount has been made on time, an overpayment is created in the loan. This is recognized by the Automatic Processing of
Overpayments for Consumer Loans , which is also run daily. The report triggers the execution of the cancellation and clears the cancellation
balance with the overpayment.
If the payment method of the payoff is not Direct Payer , when you enter a rescission the system executes it immediately and clears the
receivable by bank collection, using the payment method and the bank details entered for the loan.
The system executes a rescission by completing the following steps:
It rescinds the credit life insurance, if this exists.
The credit life insurance is also rescinded with the loan contract, since the purpose of this transaction, to secure the loan, no longer applies.
It reverses the disbursement and creates a receivable.
It reverses any payment installments already posted.
It converts the payments paid up unto that point by the borrower into overpayments and takes these into consideration when calculating the
rescission balance.
It clears the rescission balance either by bank collection or by the overpayment.
It saves the loan in status Contract Withdrawal .
Activities
1. In the function Change Consumer Loan choose
Edit
Rescind Loan
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2. Enter the required data and choose Check Run.

The check run determines in advance whether a cancellation is possible and calculates the rescission balance amount.
3. If you want to create or execute the rescission, choose Execute .
1.1.5 Entering a Reduction

Use
You use this function to execute a reduction for loans in the category Consumer Loans (340). You use this function if the loan contract has been created,
meaning the loan has status Contract, and the borrower wants to waive a part of the loan amount.
If the loan contract has not yet come into being, meaning the loan still has status Application or Contract Offer, you carry out a new model calculation for
the loan with the corresponding smaller net loan amount and use this as the basis for the contract.
Prerequisites
You need to have completed the following IMG activities in the Customizing settings for Loans Management :
Under Define Condition Types you must define at least one condition type for capital reduction and assign it the calculation category KAMI.
In the IMG activity Define Condition Groups you must assign this condition type to the condition group that is assigned to the corresponding product
type.
Procedure
Edit Enter Reduction
.
The Contract Withdrawal or Reduction: Basic Data for Reduction screen appears.
2. Enter the date for the reduction and the reduction amount.
Result
You have executed a capital reduction. The disbursement obligation has been reduced. The original contract capital has not changed however.
1.1.6 Changing the Installment Plan

Use
You use this function to change the installment plan of a loan in the category Consumer Loan (340).
Prerequisites
A loan from category Consumer Loans (340) must exist in the system with status Contract .
Note
If you change the installment plan for a loan, the system includes the settings that you made in the underlying product, such as the settings for the
installment amount and term. You define Products in the SAP Easy Access screen under Current Settings .
Procedure
Edit Change Installment Plan
.
The Change Installment Plan screen appears.
2. You can change the following data:
Either the new amount of the payment installment or the new number of installments
The day of the installment payment
3. Enter the key date for the change to the installment plan.
4. Choose Carry Out Model Calculation .
The system calculates and enters or rounds the following values:
Amount of the payment installment or number of installments
End of term
Term
5. If you accept the values, choose Adopt Change in Installment Plan .
If you do not want to adopt the change, choose Reverse Change in Installment Plan and Cancel .
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Result
You have changed the installment plan on a key date.
The system adjusts the financial data and the cash flow.
You can delete a change to the installment plan with a key date in the future and which you therefore have not executed yet.
Note
If the term of the loan contract has been extended by the change in the installment plan, this is regarded as a risk-increasing measure for the loan.
1.1.7 Discharging a Consumer Loan

Use
You use this function within the Create Consumer Loan function to copy one or more loans from the category Consumer Loans (340) into a new loan, and if
required, to add an additional loan amount. The function is useful in the following cases:
A borrower currently has several loan contracts with your company, and wants to group them together in a single loan.
A borrower currently has a loan contract with your company, and wants to extend this by increasing the amount borrowed.
A borrower currently has several loan contracts with your company, and wants to group them together in a single loan, and increase the amount
borrowed.
Prerequisites
Discharge
In the IMG for Loans Management you need to execute the IMG activity Define Bank Numbers for Discharge of Loan under
Functions
Business
Operations
Disbursement in Workplace for Business Operations
Disbursement for Consumer Loans
.
You need to have set up the business operation category Payoff in Customizing for Loans Management . For more information about the business
operation category Payoff, see Payoff for Consumer Loans .
At least one loan from category Consumer Loans (340) must exist in the system that has been fully disbursed.
Interest on Arrears
If you want the system to calculate and post the interest on arrears due for the loan to be discharged on the discharge key date when you execute this
function, you need to have completed the following settings in Customizing for Loans Management .
You need to have set up the business operation category Interest on Arrears . For more information on the business operation category Interest on
Arrears , see Interest on Arrears .
In the IMG Activity Define Condition Groups in the Assign Flow Types to Condition Groups per Application view , you need to have assigned the flow
types for interest on arrears to the application subfunction Payoff Flow Types (401).
In the IMG activity Activate Interest on Arrears Calculation per Business Operation Category you need to have activated the calculation of interest on
arrears for the business operation category Payoff .
Procedure
Consumer Loan Edit.
Edit Discharge Loan
.
The Discharge Loan screen appears.
3. Enter the key date for the discharge and the loan number of the loan to be discharged.
If you want to discharge more than one loan, choose Append Row and enter the key date and the loan number.
You can enter different key dates for the loans to be discharged.
4. Enter the additional loan request if applicable and choose Update.
The system determines the amount that the borrower must pay if he were to repay the loan or loans to be discharged on the key date.
If applicable, it adds to this the amount of the additional loan request and so calculates the net loan amount for the new loan to be created.
5. Choose Continue.
The system transfers the amount as Net Loan into the new model calculation to be executed.
6. Carry out the steps in the Create Model Calculation function from step 3.
7. Execute the steps for the Create Consumer Loan function.
Result
You have replaced one or more loans with a new loan.
The system executes the Payoff function for the loans that you have discharged internally as part of this function.
When you disburse the new loan, the system uses a part of the disbursement amount to payoff the discharged loans.
1.1.8 Editing Credit Life Insurance
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Use
You use this function to create or change a credit life insurance policy used to secure a loan from the product category Consumer Loans (340).
You can adjust an existing credit life insurance if one of the following values changes:
Amount insured
Development of the insurance contract
Age and/or gender person insured
Insurance rate
Integration
You usually create a credit life insurance together with the model calculation for a loan. You will find more information under Model Calculation . If you
want to create this later, you can do so using this function.
If you want to rescind or give notice on a credit life insurance, use the function Rescind/Give Notice on Credit Life Insurance .
If the values listed above change as a result of a business operation, the system adjusts the credit life insurance automatically. This happens in the
following cases:
Payoff for Consumer Loans (If this has been set up in Customizing.)
Give Notice on Consumer Loan
Capitalization of Overdue Items (If this has been set up in Customizing.)
If an insurance case arises, you can enter this in the system using the Enter Insurance Case function.
Prerequisites
Define Rates for Credit Life Insurance
Define Occupational Groups for Credit Life Insurance
Note
You can influence the calculation of credit life insurance in the Customizing settings for Loans Management using the BAdIs Calculation of
Credit Life Insurance Single Premium and Calculation of Credit Life Insurance Reimbursement Amount .
You can specify which insurance rates are relevant for the loan in the product on which the loan is based. You define Products in the SAP Easy
Access screen under Current Settings .
At least one loan from product category Consumer Loans (340) must exist in the system, which either contains a credit life insurance or is based on a
product that allows for the creation of credit life insurance.
Scope of Functions
To call the function, choose the Contract tab page in the Change Consumer Loan function. In the Insurance row of the Attachments section, choose
Change Attachment .
You can do the following:
Create Credit Life Insurance
1. The system proposes the data for the main borrower from the business partner.
2. Enter the insurance rate and the occupation.
3. Select the row of the insured person and choose Calculate CLI .
4. Choose Copy CLI
5. Save your entries.
Enter Other Persons to Be Insured
1. Choose Include Persons to Be Insured .
2. Enter the data for the person in the new row.
3. Choose Select/Enter Partner to select an existing business partner or to enter a new one.
4. Choose Calculate CLI.
5. Choose Copy CLI
If you want to create a loan from a model calculation and have entered additional insured persons with only date of birth and gender previously,
you must now assign a suitable business partner to each person or create a new business partner.
Remove an Insured Person from the Credit Life Insurance
1. Select the corresponding row and choose Delete Row .
2. Choose Calculate CLI.
3. Choose Copy CLI
Note
You cannot remove the main loan partner from the credit life insurance.
Display History of Credit Life Insurance
Choose History .
The system displays all the existing and terminated insurance policies for the loan.
Choose Display Change Documents.
The system displays details of who changed the data for the credit life insurance for this loan and when.
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Change Insurance Rate or Occupation

1. Change the insurance rate or occupation in the appropriate row.
2. Select the row of the insured person and choose Calculate CLI .
3. Choose Copy CLI
1.1.9 Rescinding or Giving Notice on Credit Life Insurance

Use
If the borrower wants to withdraw from a credit life insurance policy that he has concluded in connection with a loan contract from the category Consumer
Loans (340) , you can cancel or give notice on the policy.
Note
If the credit life insurance was seen as absolutely necessary when the loan contract from the underlying product was concluded, you can only rescind or
give notice on the credit life insurance together with the actual loan contract.
The rescission is only possible within the rescission period. If the rescission period has passed and your company has not recognized the rescission, taking
any goodwill agreements into consideration, you can suggest that the borrower give notice of rescission of the credit life insurance.
Rescinding the insurance contract renders it ineffective. The borrower does not incur any costs.
Giving notice of cancellation allows the borrower to terminate the insurance contract prematurely. The borrower incurs costs, such as charges and the
proportion of the CLI single premium calculated on the basis of pro rata temporis for the time between the full disbursement of the loan and the key date of the
notice.
Prerequisites
You need to define the Rescission Period and the Notice Period in the IMG activity Define Rates for Credit Life Insurance in the Customizing for
Loans Management .
If you want to use the release function in connection with the rescission, you must set up the release for the release object VDARL ( Loan Master Data
) in the Customizing settings for Loans Management . For more information, see Release .
Procedure
Edit Rescind / Give Notice on CLI.
The Rescind / Give Notice on CLI screen appears. The rescission is pre-selected.
2. Enter the Declaration Date and choose Proposal or Enter to have the system calculate the proposal.
If the loan has not been disbursed, you can rescind the credit life insurance at any time.
If the loan has been disbursed, the system checks whether the date is within the rescission period and displays the result in the text field.
If the rescission is possible the rescission stays selected. The system also specifies from which date it would be possible to give notice instead
of rescinding the contract.
If the rescission is not possible or is subject to the release procedure, the system proposes giving notice on the calculated notice date and
displays the CLI rebate amount. If you choose Rescission despite this, the system forwards this as a work item for Release .
3. Execute the rescission or the notice by choosing Execute .
The system displays a message and switches to display mode.
Result
You have rescinded or given notice on the credit life insurance. You can enter a life insurance policy for the same loan again. For more information, see
Processing Credit Life Insurance .
1.1.10 Entering an Insurance Case

Use
If an insurance case arises you can use this function within the Change Consumer Loan function to enter it in the system.
Procedure
Edit Insurance Case
.
The Select Person in Insurance Case dialog box appears.
2. Select the person concerned and choose Continue .
The Enter Insurance Case screen appears.
3. Enter the date on which the case occurred, specify the type of risk concerned and choose Continue .
The system saves the data and changes to the display mode.

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Use
The system requires the condition-determining parameters to be able to determine the valid condition table when executing a model calculation. Every time
you set the condition-determining parameters these are valid for all model calculations executed subsequently.
Integration
These parameters are part of the condition assignment .
Prerequisites
In the Customizing for Loans Management you need to perform the IMG activities Define Organizational Units and Define Sales Channels under
Data Condition-Determining Parameters
.
Master
Scope of Functions
You can define these parameters as follows:
As set/get parameters in your user profile
Choose
System Own Data Parameters
and enter the values required for the following parameter IDs:
FVD_ORGUNIT (Organizational Unit)
FVD_DISTRIB_CHANNEL (Sales Channel)
The parameters are always valid after you have logged on to the system until you change them.
When executing a model calculation
If you have not set the parameters as set/get parameters, the system requires you to set the parameters each time you log onto the system, when you
carry out the first model calculation.
These parameters are valid until you change them or log off from the system.
Within the functions Create, Change and Display Consumer Loan
You can change the parameters at anytime within these functions.
These parameters are valid until you change them again or log off from the system.
1.2 Changing a Consumer Loan

Use
You use this function to change an existing loan in the category Consumer Loan (340).
Note
Accounting.
Integration
This function is part of the Edit Consumer Loan function.
Prerequisites
At least one loan from the category Consumer Loan (340) or one model calculation must exist in the system.
Scope of Functions
Create Consumer Loan
If you call a model calculation you can execute this function.
Change a Consumer Loan
If you call a loan you can execute the following functions.
Disburse a Consumer Loan
Change Installment Plan
Enter Reduction
Process Credit Life Insurance
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Enter an Insurance Case
Every time you save your changes to a loan, the Display Consumer Loan screen appears. To continue processing the loan, choose
DisplayChange
and the Change Consumer Loan appears.
You can use the following functions:
Change Credit Standing
Display Finance Data
Change Organization
Display Cash Flow
Display/Print Payment Plan
Display Release History
Edit
Activities
To call a loan in change mode, proceed as follows:
Consumer Loan
Loan Find Loan
.
Change.
Note
If you know the loan number, once you have entered the company code you can enter the number in the loan number field and choose enter.
1.3 Displaying a Consumer Loan

Use
You use this function to have the system display a loan from the product category Consumer Loan (340) or a model calculation.
Integration
This function is part of the Edit Consumer Loan function.
Prerequisites
At least one loan from the category Consumer Loan (340) or one model calculation must exist in the system.
Scope of Functions
Display Model Calculation
Display Loan Attachments
Display Credit Standing
Display Finance Data
Display Organization
Display Cash Flow
Display Release History
Activities
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To call a loan in display mode, proceed as follows:

Consumer Loan
Loan Find Loan
.
Display.
Note
If you know the loan number, once you have entered the company code you can enter it in the loan number field and choose enter.
2 Consumer Loan
Definition
The product category Consumer Loans (340) classifies small, short-term loans granted to private individuals for the financing of consumer goods such as
cars, televisions and furniture. You can use product types and products to map these loans according to your own company-specific requirements.
Note
Accounting .
Structure
Consumer loans can have the following statuses in Loans Management.
No status
You can store a loan without status, in other words, as a model calculation.
For more information, see Model Calculation .
Application
Contract offer
Contract
A loan from the category Consumer Loan (340) consists of the following parts:
Model calculation
The model calculation comprises data for the following areas:
Capital Amounts
Interest
Installment
Term
Condition-determining parameters
The model calculation is used as a basis for a loan contract. The values from the model calculation are proposed or pre-defined by the underlying
product and the model calculation assigned to it. For more information, see Product , Condition Table and Condition Assignment .
You can create up to 99 model calculations per business partner. A model calculation can cover several alternative versions that you can
compare. You can use a model calculation as the basis for more than one loan.
You can define the fields covered by the model calculation yourself. For more information, see Changing the Contract Interface .
Model Comparison
The model comparison contains the existing versions of a model calculation and compares these clearly in a table. You can print out the model
comparison and give it to the interested party to take home with them. The interested party can compare the data in the different versions, such as the
installment amount, term, and effective interest and can decide for one of the versions. You use this version as the basis for the contract.
Installment Plan
Every time you execute a model calculation, whether you are creating a model calculation, changing the installment plan, or executing certain business
operations, the system recalculates the installment plan for the loan. This contains the data for the regular repayment of a loan:
Number of payment installments
Date of the installment payment (which day of the month)
Due date of the next installment due
Settlement installment (Amount of the final installment to be paid)
Term of the loan in months
Original term in months
Maximum term permitted in months
You can make specific changes to the installment plan if the borrower would like to increase or decrease the payment installment or change the
day on which the installment is paid, for example. For more information, see Changing the installment plan .
Contract
The Contract tab page is relevant once the loan has reached status Application .
The contract comprises the following data:
Contract header
Partly from the model calculation and the installment plan:
The underlying product
The amount of the premium for credit life insurance
The amount of the contract conclusion charge
Total loan amount
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Total loan amount

Net loan amount
Nominal interest rate
Contract parameters 1, 2 and 3 that you have defined to meet your company-specific requirements.
For more information, see Changing the contract interface .
Attachments to the contract
Main Borrower
Settlement
Disbursement
Document Folder
Insurance
Supplementary collateral
Other Partners
The credit life insurance (CLI) is an attachment to the loan contract. You will find it on the Attachments section of the Contract tab page. The borrower
can conclude a credit life insurance contract in connection with the loan contract. A credit life insurance secures the remaining debt of the loan amount
in the event of the death of the borrower (or other persons, if appropriate). The borrower can also insure for cases of occupational disability and/or
unemployment.
The settings in the underlying product specify whether or not a CLI is possible and/or obligatory.
Integration
You define the product types that are based on this product category and make the basic settings for the loans in this product category in the implementation
guide (IMG) for Loans Management .
In the SAP Easy Access screen, under Current Settings , you define the products that you assign to the product types and the condition tables that you
assign to the products. For more information, see Current Settings
2.1 Changing the User Interface for Contract

Use
You use this function to make all of the fundamental settings for the processing of loans. You can use the same functions as those under Displaying a
Consumer Loan and the additional functions described in the Scope of Functions section.
Prerequisites
You determine which fields the system ALV Grid Control offers in the column set on the Model Calculation tab page in the IMG for Loans
Management under
Transaction Management Define Condition Types
. The system only displays those that are filled with a value for the loan
in question.
The fields offered in the column set in the ALV Grid Control on the Contract tab page are determined by the system. There are numerous fields from
the contract master data.
The field descriptions depend upon your condition types. You can adjust the descriptions in the IMG for Loans Management under
Master Data
Basic Settings
Define Indicators for Interface Fields
.
The original descriptions of the fields are in the corresponding ABAP dictionary table.
You can also adjust the description of the user fields under
Master Data User Fields
. If, however, you have defined a description for this field in
the IMG activity Define Indicators for Interface Fields , the system uses this description preferentially.
Scope of Functions
You can determine which fields the system displays in the functions Create, Change , and Display Consumer Loan in all ALV Grid Controls, and the
width of the individual columns for all users. These settings have priority over the settings made by the users themselves.
For more information, see SAP List Viewer (ALV) Grid Control (BC-SRV-ALV) .
Model calculation and model comparison:
On the Model Calculation or Model Comparison tab page, in the respective ALV Grid Control, choose the functions under Layout Settings .
Contract
Within the
Consumer Loans Administration function choose Administration Process Layouts for Contract Fields.
Three rows are available. You can decide which fields are to be displayed in each row. SAP recommends that you arrange the fields by
subject, for example by conditions or contract master data.
You can create and change several layouts, containing the fields from a field set, for each row.To do this select the relevant row and choose
Change Layout .
You can have the system display the user-specific layouts that exist in the system.
You can determine the fields offered by the system depending on the status of the loan.
Call a loan with the required status and choose A
dministration Edit Layouts for Contract Fields
When a loan is processed the system displays the fields according to the status of the loan when it is called. The selection of displayed
fields only changes when the loan is saved in another status.
You call the loan by choosing
status Application .
Consumer Loan
Edit
. The loan has the status Application . The field selection corresponds to the
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Enter Contract in the Status field. The field selection still corresponds to the status Application .
Save the loan in status Contract . The field selection corresponds to the status Contract .
The following table contains an overview of which of the layouts supplied by SAP you can adjust for all users (within this function) and at a user-specific
level (in the functions Edit, Change and Display Consumer Loan ):
Layout
All users
User-specific
Attachments
Check list
Contract parameter 1
Disbursement
Discharge
Model calculation parameters
Model calculation columns
Model calculation rows
Product
You can transport your ALV Layouts into other SAP systems. Choose
Administration Transport ALV Layouts
.
You can display all the model calculations that exist in the system, and delete individual model calculations. Choose
Administration Display
Existing Model Calculations
.
You can have the system display all of the conditions of a loan in a technical view, including those that are not visible in the function Create Consumer
Loan. Choose
Administration Display Loan Conditions
.
2.2 Products and Conditions

You use this function to specify additional, individual default values for loan offers for the following product categories so that you can offer your customers
various standardized loan products.
Consumer Loan (340)
Installment Loans (360)
Note
Within Loan Origination you can use products and condition tables for additional product categories. For more information, see Products and
Conditions for Loan Origination .
You do this by creating products and condition tables and assigning one or more condition table to a product. For more information, see:
Product
Creating a Product
Changing a Product
Displaying a Product
Product Comparison
Deleting a Product
Editing Product Attributes
Condition Table
Creating a Condition Table
Change Condition Table
Displaying a Condition Table
Example Condition Tables: Installment Loans
Condition Assignment
Editing a Condition Assignment
Example Condition Table and Condition Assignment Consumer Loan
2.2.1 Product
Definition
A product serves as the basis for a loan contract. It is based on generally accepted market units and technical requirements.
You can map products in the SAP system to reflect the way they are positioned on the market. You can attach technical conditions to a product, such as an
authorization check.
A product has the following properties:
It is available across all company codes in the system
It can exist in the form of different versions
It contains a status management function
It is protected by an authorization check
It is incorporated in the release procedure
It is defined by attributes
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Use
You can use the product in the loans management area of your company to define basic settings for the loan products you offer to customers and interested
parties. Loan contracts are then based on these pre-defined products.
The default values for the contracts are determined by the attributes for the products and the condition table assigned to the product.
You can only use the product functions for loans that are based on the following product categories:
Consumer Loan (340)
Within Loan Origination you can use products and condition tables for additional product categories. For more information, see Products and Conditions for
Loan Origination .
Structure
Data
In addition to the general data that applies to all versions, such as the authorization group or the product type, you also define data for the version, such as the
validity period of the version. Additional version data is also displayed, such as the version number or the date of the last version to be changed.
A product is assigned to one product type and serves as the foundation for contracts based on the assigned product type. You can assign more than one
product to a product type.
Attributes
You can use the attributes to assign maximum and minimum limits, conditions and default values. This reduces the number of decisions the loan officer has
to make when creating a contract, making the whole process quicker and easier.
You can determine that the system only starts a release procedure if the values entered for a contract do not comply with the profile of the product on which
the contract is based. In this case, a loan officer can activate a contract without going through the release procedure, if the values for the contract lie within
those determined for the selected product.
The attributes of a product are arranged in a tree structure hierarchically.
Product Version Status
A product always has at least one product version. When you create a product, you create the first version of this product. You can create additional versions
for a product.
A product version can pass through several different statuses; it is saved and/or flagged for activation and is then activated .
You can only create a new product version using the last saved version.
The product version is linked to a staggered release procedure based on the principle of multiple control. For more information, see Release .
The following statuses are possible:
Status Parked/New Product
When you create a product the system saves the data entered and creates the first version of the product.
You can change the product, in other words the first product version, without having to create a new version. You can also delete the product if necessary.
You cannot create a loan contract for a product in this status.
Status Parked/New Version
When you create a new product version the system saves the changed data.
You can still change the product version without having to create a new version. You can also delete the product version if necessary.
You cannot create a loan contract for a product version in this status.
Status Flagged for Activation
When you create a new parked product version or change a product version you can flag this version for activation. The system checks whether the validity
period of the version overlaps with active versions and if so it outputs a warning message.
You can still make changes to this product version, with the exception of the product type, without having to create a new version. You can no longer delete
product versions with this status.
You cannot create a loan contract for a product version in this status.
If the release function is activated, you forward the product version to the inbox of the Business Workplace using the Flagged for Activation function. From
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there, it is released. Once the product version has been released it has the status Active .
Status Active
You can activate a product version if it has one of the following statuses:
Parked/New Product (by choosing Flag for Activation Activate )
Parked/New Version (by choosing Flag for Activation Activate )
Flagged for Activation (using the Activate function)
Inactive (using Reactivate )
Flagged for Archiving (using Reactivate )
You can only change the product version by creating a new version. Once a product version has this status you can no longer change it. However, you can
deactivate it.
If a product version has the status Active and the start of the loan contract is within the validity period of the product version you can create loan contracts
for the product.
Status Inactive
You can deactivate a product version that has the status Active .
You can only delete the product version in this status if there are no loan contracts based on this product and no condition tables are assigned to the product.
You can no longer create a loan contract for a product version in this status. Existing loan contracts that are based on this product version can no longer refer
to this product version, so you can no longer process these loan contracts.
If you want to continue processing existing loan contracts based on a product version but want to prevent new loan contracts from being created on the basis
of this product version, you can simply limit the validity period of the active version, thus avoiding setting the version to Inactive . This allows you to continue
processing the existing loan contracts.
You can use the Reactivate function to return the product version to status Active .
Status Flagged for Archiving
You can flag a product version for archiving if it has the status Inactive , no more loan contracts are based on it, and no condition tables are assigned to it.
You can delete product versions with this status.
You can no longer create a loan contract for a product version in this status.
You can use the Reactivate function to return the product version to status Active .
Integration
You use condition assignments to assign one or more condition tables to a product. By assigning condition tables to your products, you apply interest and
charge conditions to them. These are used by the system when you create a contract or perform business operations.
See also
Creating a Product
Changing a product
Displaying a Product
Product Comparison
Deleting a Product
Editing Product Attributes
2.2.1.1 Creating a Product

Use
You create a product so that you can use this as a basis for loans contracts. A product can have one or more versions. You use these to represent the
development of a product over time. When creating a new product, you can use any version of an existing product as a template.
Note
You can only use this function for loans that are based on the following product categories:
Consumer Loan (340)
Installment Loan (360)
Note
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Prerequisites
You need to have completed the following IMG activities in Customizing:
In the IMG activity Define Product Types you have created the product type for which you want to create a product.
You can also specify whether the system is to check changes to a loan from this product type against the product.
Under Define Prefix you have defined a prefix for creating the internal product ID, and the attribute ID.
If you want to assign customer attributes, you need to have assigned these under Product Category-Specific Settings for each product category . You
can also determine the basic settings for the attributes here.
Procedure
1. In the SAP Easy Access menu choose
Accounting
Installment Loan Products and Conditions
Product
Bank Applications
Create
.
Loans Management
Current Settings
Consumer Loan or
Note
For more information about the paths that you need to use for processing products, condition tables, and condition assignments within Loan
Origination , see Products and Conditions for Loan Origination .
2. You have to enter a technical name for the new product.
If you want to copy an existing product, specify the reference product and the product version that you want to copy.
3. Choose
Product Create
The validity period is set by default in this screen as follows, but you can change it if you need to:
Valid from : Current date
Valid to : 12/31/9999
Enter the required data and choose Attribute Overview.
Note
The system can only offer the product description in the input help when you change, display or delete a product if you have entered the description
in the logon language.
In order to create a product description in a different language you have to log on to the system in the respective language and enter the product
description in the logon language.
The attribute hierarchy is displayed with all the available attributes. You can edit the attributes in the following way:
Activate or deactivate the attribute for the product
Activate or deactivate the changeability of an attribute in the contract
Determine the properties of an attribute
For more information, see Editing Product Attributes .
4. Choose Save.
Result
A version of the product is created with the status parked/new product .
You can flag the version for activation and/or activate it.
You can assign a condition table to the product by creating the corresponding condition assignment.
See also
Product
Condition Table
2.2.1.2 Changing a Product

Use
You can change the following data for a product or a product version:
Product description
The system can only offer the product description in the input help when you change, display or delete a product if you have entered the description in the
logon language.
In order to create a product description in a different language you have to log on to the system in the respective language and enter the product description in
the logon language.
Authorization group
Product type
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You can only change the product type for a product or a product version that have the status parked/new product and/or parked/new version .
Validity period
Status
The attributes based on the default values of the product category
You can create a new version based on an existing version of a product.
Consumer Loan (340)*
Loan Origination .
Prerequisites
At least one product must exist in the system.
Procedure
In the SAP Easy Access menu choose Accounting Bank Applications Loans Management Current Settings Consumer Loan or Installment
Loan Products and Conditions Product Change
For more information about the paths that you need to use for processing products, condition tables, and condition assignments within Loan Origination , see
Products and Conditions for Loan Origination .
Enter the technical name for the product and the version you want to change, and choose Change.
The current version is an active version that is valid on the current date.
The latest version is the last version that was saved.
If necessary, change the description, authorization group or product type for the product.
If necessary, change the validity period for the version if necessary, and choose Attribute Overview .
The attribute hierarchy is displayed with all the available attributes. You can edit the attributes in the following way:
Activate or deactivate the attribute for the product
Activate or deactivate the changeability of an attribute in the contract
Determine the properties of an attribute
For more information, see Editing attributes for a product .
Choose Save.
The system asks you if you want to save the changes you made in a new product version, or of you want to retain the version.
Choose retain or new version .
If the product version you have changed is an active version, then you need to create a new version.
Note that you can create only create a new product version using the last saved version.
Result
A version of the product is changed or recreated with the status parked/new product or parked/new version .
You can flag the version for activation and/or activate it.
You can assign a condition table to the product by creating the corresponding condition assignment.
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If the condition table is assigned to a product, this assignment is retained.
See also
Product
Condition Table
2.2.1.3 Displaying a Product

Use
This function allows you to display, but not change, products that have been entered in the system.
Note
Consumer Loan (340)
Note
Prerequisites
A product must exist in the system.
Procedure
Accounting
Product
Bank Applications
Display
.
Loans Management
Current Settings
Consumer Loan or
Note
For more information about the paths that you need to use for processing products, condition tables and condition assignments within Loan
Origination, see Products and Conditions for Loan Origination .
2. Enter the technical name for the product and the version you want to display, and choose Product -> Display.
The current version is the version that is active at the time.
The latest version is the most recently created version.
You can see the administrative data for the product and the product version.
3. Choose Attribute Overview .
The attribute hierarchy is displayed with all the available attributes. For each attribute, you can see:
Whether the product attribute is activated or deactivated
Whether the changeability of an attribute is activated or deactivated in the contract
4. Click on the description of an attribute.
The existing values and properties for this attribute are displayed.
5. Choose Back .
See also
Product
Product Comparison
2.2.1.4 Product Comparison

Use
You use this function to compare the attributes of different product versions. You can compare the following:
two different versions of a product
one version of two different products
You can also display all the attributes and values for an individual version in a list.
Prerequisites
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You have created at least one product with two versions or two products.
Procedure
Accounting
Product
Bank Applications
Compare
.
Loans Management
Current Settings
Consumer Loan or
Note
For more information about the paths that you need to use for processing products, condition tables and condition assignments within Loan
Origination, see Products and Conditions for Loan Origination .
2. Enter the data required in the fields under Product Version 1 and Product Version 2 .
The system displays a list of the attributes where the values in the two versions differ from one another.
Note
If you want to display all of the attributes of one version, enter the data required in the fields under Product Version 1 .
The system does not compare versions but displays a list of all the attributes and values for the version you entered under Product Version 1 .
See also
Product
Creating a Product
2.2.1.5 Deleting a Product

Use
You can delete individual versions of a product or delete a product together with all its existing product versions.
Prerequisites
At least one product with one version must exist in the system, with one of the following statuses:
Parked/new product
Parked/new version
Parked/revised version
Inactive
You can only delete inactive versions in the following cases:
If no contracts exist in the system that are based on that particular product version
If no condition tables are assigned to the product
Flagged for archiving
Procedure
Accounting
Product
Bank Applications
Delete
.
Loans Management
Current Settings
Consumer Loan or
Note
2. Enter the technical name of the product you want to delete.
If you only want to delete a specific version of the product, enter the version. Choose Execute.
See also
Product
2.2.1.6 Editing Product Attributes

Activating or deactivating the attribute for the product
A red traffic light means that the attribute is not available for contracts.
A green traffic light means that the attribute is available for contracts, and you can assign values to the field attributes.
To switch between red and green, click on the traffic light for an attribute.
If you set a higher-level traffic light to red, all lower-level attributes in the attribute hierarchy are also set to red.
If you set a lower-level traffic light to green, all higher-level attributes in the attribute hierarchy are also set to green.
You cannot set required attributes to red.
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Activating or deactivating the changeability of an attribute in the contract

If the lock is open, the administrator can make changes in the contract to the default values derived from the product.
If the lock is closed, the administrator cannot make changes in the contract to the default values derived from the product.
To switch between open and closed, click on the lock for an attribute.
Caution
This information is not transferred from the product to the contract for this release. The administrator can always make changes.
Determining the properties of an attribute

1. Click on the description of an attribute.
The dialog box for the attribute appears.
2. Enter the values required depending on the attribute, for example the upper or lower limit values, or possible input help values for the corresponding field
in the contract.
The traffic light / lock combination determines the available options when creating a contract:
Open lock/green traffic light:
You can define default values for this attribute in the detail screen.
Closed lock/green traffic light:
You create fixed values.
Caution
This information is not transferred from the product to the contract for this release. The administrator can always make changes.
Red traffic light:
The field attribute is not available when you create contracts based on this product. You cannot make settings.
Required attribute:
You must enter fixed values, otherwise you cannot activate the product.
2.2.2 Condition Table

Definition
A condition table contains standard conditions, and is assigned to one or more products by way of condition assignment. The standard conditions contained in
the table are valid for all the contracts you create on the basis of the corresponding product.
A condition table has the following properties:
It
It
It
It
It
can exist in the form of different versions

contains a status management function
is protected by an authorization check
is incorporated in the release procedure
is defined by conditions
Use
You can use the condition table to determine conditions in the loans management area of your company. By assigning condition tables to your products, you
apply interest and charge conditions to them. These are used by the system when you create a contract or carry out business operations.
When you create contracts, the system transfers the conditions from the condition table to the contract. You can change these within the tolerance
limits defined in the table.
When you carry out business operations, the system uses the conditions from the condition table to calculate the interest and charges that apply for the
business operation.
Note
You can only use the condition table functions for loans that are based on the following product categories:
Consumer Loan (340)
Note
Structure
Data
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In addition to the general data that applies to all versions, such as the condition group or the authorization group, you also define data for the version,
such as the validity period of the version. Additional version data is also displayed, such as the version number or the version status.
Note
The condition table is assigned to a condition group that you have defined, and can only use condition types from this group as the basis for
conditions.
A condition table has one or more versions.
Conditions
The conditions for the condition table are based either on condition types or on flow types:
The system uses condition types to create contracts. Some possible conditions are:
Nominal Interest
Settlement Charge
Interest on Arrears
The system uses flow types to perform business operations. Some possible conditions are:
Deferral Interest
Deferral Charges
Charges for Capitalization of Overdue Items
A condition has one or more condition items.
Condition Items
You can use condition items to represent condition steps.
You can determine several condition steps for the nominal interest and the charge for concluding a contract, in conjunction with the amount of the loan
and/or the term, for example.
You can determine only one condition item for deferral interest and the charge for deferrals and capitalization of overdue items.
Status
A condition table can pass through several different statuses; it is saved and/or flagged for activation and can then be activated . You can also
create additional versions for a condition table, which you can also save and/or flag for activation and then activate.
Note
You determine a validity period for the version. Initially, a version is valid for an unlimited period of time, unless you specify a Valid to date.
When you create an additional version, the system sets the valid-to date for the previous version to the Valid from date of the new version minus
one calendar day.
The condition table is linked to a staggered release procedure based on the principle of multiple control. For more information, see Release .
Status New
When you create a condition table or a new version the system saves the data you enter.
You can still change the version without having to create a new version. You need to adjust the Valid from date of this version to the current date
or to a date in the future.
In this status the condition table is not considered when contracts are created or when a business operation is executed.
If the release procedure is activated, a version with status New has been flagged for activation so that it can be released, in other words
activated, by another employee in the Business Workplace .
You can still change the version in this status without having to create a new version. You need to adjust the Valid from date of this version to
the current date or to a date in the future.
Status Active
A version in status New has been activated or, if the release process is activated, it has been flagged for activation and released in the
Business Workplace .
You can no longer change this version. You can create a new version, however.
If the version has status Active , the condition table is assigned to a product and the condition assignment has been activated, the system takes
the condition table into account when new contracts are created or when a business operation is executed.
Status Deleted
You delete a version in status Active by creating and activating a new version for this version that has the same Valid from date as the
previous version.
Note
If the Valid to date of an activated version is the same as or is after the Valid from date of a new version, the system limits the validity period of
the old version so that the time periods do not overlap. However, both versions must have a different Valid from date.
Integration
You use a condition assignment to assign a condition table to one or more products .
See also:
Creating a Condition Table
Changing a Condition Table
Displaying a Condition Table
Example Condition Tables: Installment Loan

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Use
You create a condition table in order to assign this to a product. By assigning condition tables to your products, you apply interest and charge conditions to
them. These are used by the system when you create a contract or carry out business operations.
Consumer Loan (340)
Loan Origination .
Prerequisites
In order for the system to offer a choice of condition types and flow types when you process conditions, you need to have executed the following IMG
activities in Customizing for Loans Management :
You have determined the flow types that you want to make available in the condition tables under Determine Flow Types for Condition Tables .
You have determined the condition types that you want to make available in the condition tables under Determine Condition Types for Condition Tables for
the product category Consumer Loan .
You have determined the condition types that you want to make available in the condition tables under Determine Additional Properties for Installment Loans
for the product category Installment Loan .
If you have already selected condition types in the IMG activity Determine Condition Types for Condition Tables, then these are also marked as relevant
here.
Under Define Condition Groups Assign Condition Types to Condition Groups per Application you have assigned the condition types to the relevant
application subfunction for the product category.
Product category Consumer Loan :
600 Contract Creation Product Category Consumer Loan
Product category Installment Loan :
750 Creation of Installment Loan
Under Define Condition Groups Assign Flow Types to Condition Groups per Application you have assigned the flow types to the relevant application
subfunction for each product category.
Product category Consumer Loan :
503 Deferral Interest
505 Deferral Charge
513 Capitalization of Overdue Items Charge
570 Business Operation Interest on Arrears
Product category Installment Loan :
281 Dunning Charges
401 Payoff: Other Flows
513 Capitalization of Overdue Items Charge
610 Business Operation Charges
622 Extension: Additional Flows
632 Skip: Additional Flows
Procedure
Loan Products and Conditions Condition Table Create
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Enter the condition group to which you want to assign the condition table to be created, as well as a technical name and a description for the condition table.
You can still change the name of the condition table during processing and can also enter the name in other languages (see Maintaining Language-Dependent
Texts ).
If you want to copy an existing condition table, enter a template table and version from the same condition group.
Choose Enter .
The system creates a version 0001 with the status New , and a validity period from the creation date to 12/31/9999.
Select this version and choose Select Version: Detail .
The details screen for the version appears.
Copy the flow types or condition types you want to use for this version from the pool as conditions in Selected Flow/Condition Types . To do this, select the
flow type or condition type and choose Add Condition .
You can process these conditions.
Select a condition and choose Select Condition: Detail .
The Create Condition screen appears.
Enter the individual condition items.
Condition items always have the same currency as the condition table.
Choose Back .
The detail screen for the version appears again.
Repeat steps 6 to 8 to create the condition items for the remaining conditions.
Save your entries.
After you have successfully saved the data, the initial screen Create Condition Table appears once again.
Result
A version of the condition table is created with the status New .
If the release procedure is activated, you can flag the version for activation, otherwise you can activate it straight away.
You can assign the condition table to a product by creating the corresponding condition assignment.
A version of the condition table and the condition assignment must be valid and active at the time the condition table is determined for the system to be able
to consider the condition table (when creating a contract or performing a business operation).
See also
Condition Table
2.2.2.2 Changing a Condition Table

Use
You can do the following with a version of an existing condition table:
Change the validity period
Add conditions
Change conditions by adding, changing or deleting condition items
Delete conditions
Note
Note
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Prerequisites
At least one condition table with one version must exist in the system with the status New or Flagged for Activation .
Note
If you make changes to a Version that has the status Active , the system creates a new version with the values of the original version, and copies your
changes to the new version. This version then has the status New .
Procedure
Condition Table Change
.
Loans Management
Current Settings
Consumer Loan or
Note
The Change Condition Table screen appears.
2. Select the condition group to which the condition table is assigned and the technical name of the condition table.
The system displays the general data for the condition table and all the existing versions.
3. Select a condition table Version and choose Select Version: Detail .
On the right, you can see a pool with the available condition types and flow types for which no conditions have yet been created in the version. You do
not have to use all the conditions that are available on the basis of the condition group, however.
On the left, you can see the conditions that you have already created, with the condition types or flow types that were used.
4. Add, change or delete conditions:
Adding a condition
Copy the flow types or condition types you want to use for this version from the pool as conditions in Selected Flow/Condition Types . To do this,
select the flow type or condition type and choose Add Condition .
You can process these conditions.
Changing a condition
Select a condition and choose Select Condition: Detail .
The Change Condition screen appears.
Add, change or delete condition items.
Choose Back .
The detail screen for the version appears again.
Deleting conditions
Select a condition and choose Remove Condition .
The system removes the condition and places the underlying flow type or condition type in the pool for you to use again.
After you have successfully saved the data, the initial screen Create Condition Table appears once again.
Result
The version of the condition table has been changed and has the status new .
If the release procedure is in activated, you can flag the version for activation, otherwise you can activate it straight away.
If the condition table is assigned to a product, this assignment is retained.
Note
A version of the condition table and the condition assignment must be valid and active at the time the condition table is determined for the system to be
able to consider the condition table (when creating a contract or performing a business operation).
See also
Condition Table
2.2.2.3 Displaying a Condition Table

Use
This function allows you to display, but not change, the condition table that has been entered in the system.
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Note
Consumer Loan (340)
Note
Prerequisites
A condition table must exist in the system.
Procedure
Condition Table Display
.
Loans Management
Current Settings
Consumer Loan or
Note
The Display Condition Table screen appears.
2. Select the condition group to which the condition table is assigned and the technical name of the condition table.
The system displays the general data for the condition table and all the existing Versions .
3. Select a condition table Version and choose Select Version: Detail .
On the right, you can see a pool of available condition types and flow types for which no conditions have yet been created in the version.
On the left, you can see the conditions that you have already created, with the condition types or flow types that were used.
4. Select a condition and choose Select Condition: Detail .
The Display Condition screen appears.
You can display the individual condition items.
5. Display the other versions, conditions or condition items by choose Back twice and repeating steps 3 and 4.
See also
Condition Table
2.2.2.4 Example Condition Table: Installment Loan

The following is a general note about conditions and is a typical example of conditions tables for installment loans.
Each condition table for an installment loan must take one bill condition into consideration, regardless of the selected product, because the system
controls payments for installment loans using this bill condition.
Additionally, credit bureau conditions are necessary in the USA, to control the messages for the financial authorities.
Fixed Rate Installment Loans

A standard condition is to be set for the product Fixed Rate Installment Loan (FRIL). The standard condition is to be valid from 01/01/2005 and is valid for an
unlimited period of time. The payment installment is to be a set amount, of which the system calculates 4.5% for interest. The system settles the remainder of
the payment installment as a repayment of loan contract capital.
Do not specify amounts or percentages for the bill condition or the credit bureau condition.
The system levies fees for certain business operations.
The processing charge is to be lower for region 01 of the country US than that of all other regions of the country US , where the higher processing charge
is levied (no entry in Region field). The charge with the highest amount is to be valid in all other countries (no entries in the Country and Region fields).
Country- and region-specific settings such as these can be made for all conditions and flows.
Condition Table
Description
FRIL
Currency
USD
Version
0001
Valid from
01/01/2005
Valid to
12/31/9999
Condition
CTyp
Payment
101
FType
Amount
Percentage Rate
Reference Interest Ctr

Rate
Region
500
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Interest
108
Billing
116
Credit Bureau
118
4.5
Prepayment
Penalty
3136
Charge
113
10
US
Charge
113
18
US
Charge
113
22
Dunning Charge
3155
01
0.2
You can stagger amounts or percentages for conditions by specifying an effective from date as a date or a period number. In the following example the system
is calculating interest of 4.5%. From the 12 th period (after one year for a monthly frequency) the system calculates 5% interest, and from the 24th period (after
two years for a monthly frequency) the system calculates 5.2% interest.
Condition
CTyp
Percentage Rate
Interest
108
4.5
Effective from (Per)
Interest
108
5.0
12
Interest
108
5.2
24
Variable Rate Balloon Loan

A standard condition is to be set for the product Variable Rate Balloon Loan (VRBL) . It is to be valid from 01/01/2005 and is valid for an unlimited period of
time. Enter the amount of the balloon for this product. The fields Amount and Percentage Rate do not contain any entries, because the system calculates
the amount of payment installments from the installments, in the prior periods, and interest.
You must consider two conditions for the variable interest rate.
In the condition Interest Calculated you specify the reference interest rate, EURIBOR for example, and the percentage rate that the system adds to (for
the plus sign +) or subtracts from (for the minus sign -) this reference interest rate.
You can ensure that the interest rate remains within a certain range of the reference interest rate by specifing caps and floors for a period.
The condition Interest Rate Adjustment defines the dates of the interest rate adjustments and is not permitted to contain additional entries.
Condition Table
Description
VRBL
Currency
USD
Version
0001
Valid from
01/01/2005
Valid to
12/31/9999
Condition
CTyp
Amount
Payment
101
500
Final Installment (Balloon) 102

Interest
108
Interest Adjustment
109
Billing
116
Credit Bureau
118
Percentage Rate
Reference Interest Rate
+/- Sign
1.2
EURIBOR
5000
Adjustable Rate Installment Loan

For the product Adjustable Rate Installment Loan (ARIL) you need to consider the condition Payment Interest Adjustment without entering an amount or
interest rate. When adjusting the interest rate the system adjusts the payment installments automatically, so that the loan is repaid fully by the end of term.
Condition Table
Description
ARIL
Currency
USD
Version
0001
Valid from
01/01/2005
Valid to
12/31/9999
Condition
CTyp
Adjustable Rate
106
Interest
108
Interest Adjustment
109
Billing
116
Amount
Percentage Rate
+/- Sign
1.2
EURIBOR
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Credit Bureau
118
Variable Single Payment Installment Loan

No payments are due during the term for the product Variable Single Payment Installment Loan (VSPIL) . The system calculates the final installment from
the commitment capital and the variable interest at the end of term. Therefore you are not permitted to enter an amount or percentage rate for the final
installment.
Condition Table
Description
VSPIL
Currency
USD
Version
0001
Valid from
01/01/2005
Valid to
12/31/9999
Condition
CTyp
Final Installment
102
Interest
108
Interest Adjustment
109
Charge
113
Billing
116
Credit Bureau
118
Amount
Percentage Rate
+/- Sign
1.2
EURIBOR
0.8
Interest Only Installment Loan

For the product Interest Only Installment Loan (IOIL) the borrower regularly makes interest payment without making repayment payments. The final
installment is equal to the commitment capital, and you are therefore not permitted to specify an amount or percentage rate for the final installment.
Condition Table
Description
IOIL
Currency
USD
Version
0001
Valid from
01/01/2005
Valid to
12/31/9999
Condition
CTyp
Final Installment
102
Interest
Charge
Billing
116
Credit Bureau
118
Amount
Percentage Rate
+/- Sign
108
1.2
EURIBOR
113
0.5
2.2.3 Condition Assignment

Definition
A condition assignment assigns a condition table to a product. As a result, the standard conditions contained in the condition table apply for the assigned
product.
A condition assignment has the following properties:
It contains a status management function
It is protected by an authorization check
It is incorporated in the release procedure
Use
You can use condition assignment to assign condition tables to a product for each condition group. By assigning condition tables to your products, you apply
interest and charge conditions to them. These are used by the system when you create a contract or carry out business operations.
Note
You can only use the condition assignment functions for loans that are based on the following product categories:
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Note
Structure
Data
You create a condition assignment for a product.
You can enter data for the following assignments:
Data per assignment for creating a contract
In addition to the validity period you have to specify a condition table, a sales channel and an organizational unit.
Data per assignment for business operations
You need to enter the validity period and a condition table.
The system also displays administrative data for information purposes, such as the user to last make changes, or the date on which the condition
assignment was created.
Status
A condition assignment can pass through several different statuses; it is saved and/or flagged for activation and can then be activated . If the
release procedure is not activated, you can activate a condition assignment straight away.
The condition assignment is linked to a staggered release procedure based on the principle of multiple control. For more information, see Release .
Status New
The data entered was saved when the condition assignment was created.
You can still change and if necessary delete the condition assignment. If you delete it, the data is then deleted from the database.
If the release procedure is activated, a condition assignment with status New has been flagged for activation so that is can be released, in other
words activated, by another employee in the Business Workplace .
You can still change the condition assignment.
Status Active
A condition assignment in status New has been activated or if the release process is activated, it has been flagged for activation and released in
the Business Workplace.
You can no longer change the condition assignment but must create a new condition assignment if you need to change data. You can also delete
the condition assignment if you need too, however the assignment is only logically deleted and is not deleted from the database.
In status Active the condition table is considered when contracts are created or when a business operation is executed.
Status Flagged for Deletion
If the release procedure is activated, a condition assignment with status Active has been flagged for deletion so that is can be released, and so
deleted, by another employee in the Business Workplace .
Status Deleted
A condition assignment with status Active has been deleted. The data has only been deleted logically and has not been deleted from the
database.
Integration
Using condition assignments, you assign one or more condition tables to a product .
See also:
Editing a Condition Assignment
Example Condition Tables: Installment Loan
2.2.3.1 Editing a Condition Assignment

Use
You can use condition assignment to assign condition tables to a product for each condition group. By assigning condition tables to your products, you apply
interest and charge conditions to them. These are used by the system when you create a contract or carry out business operations.
Consumer Loan (340)
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Loan Origination .
Prerequisites
At least one product must exist in the system.
You have assigned a condition group to the product type assigned to the product in Customizing in the IMG activity Define Product Types .
You have created condition tables with different values and activated them.
Scope of Functions
You can create, change, display, save condition assignments. If the release procedure is activated you can flag the condition assignment for activation or
deletion, if not you can activate or delete the condition assignment directly.
Assignments for Creating a Contract
On the Assignment for Creating a Contract tab page you can assign different condition tables to a product, in combination with the organizational unit that
processes a loan and the sales channel through which a contract comes into being.
If the Valid to date of an activated condition assignment is the same as or is after the Valid from date of a new condition assignment and this condition
assignment contains the same product, the same organizational unit and the same sales channel, the system limits the validity period of the old condition
assignment so that the time periods do not overlap.
When you create contracts based on a product, the system determines the corresponding condition table and transfers the conditions it contains (such as the
nominal interest rate and the charge for concluding a contract) to the contract.
Assignments for Business Operations
On the Assignment for Business Operations tab page you can assign just one condition table to a product for a specific validity period, independent of the
organizational unit and the sales channel.
When you carry out business operations, the system uses the conditions from the condition table to calculate the interest and charges that apply for the
business operation.
You can only use a condition assignment to determine a condition table for a product if the condition assignment is active, and the date on which the condition
table is determined lies within the validity period for the condition assignment.
Likewise, the system only uses the values from the determined condition table if the table is activated, and the date on which it is determined lies within its
validity period.
The condition table that you assign to a product must be assigned to the same condition group as the product type to which the product is assigned.
If the condition assignment has the status New or Flagged for Activation , you can still change this assignment. This means you can assign a different
condition table and change the validity period, if necessary. If the condition assignment has status Active you can only create a new condition assignment.
Activities
Loan Products and Conditions Edit Condition Assignment
Specify the product for which you want to create or change the condition assignment and choose Enter .
The assignments for creating contracts and for business operations are displayed on the relevant tab pages.
If you want to create a new condition assignment, choose New Entry .
The system enters the validity period in the Process Assignment section for each tab page by default but you can change this if necessary.
Valid from : Current date + 1
Valid to : 12/31/9999
Enter the required data and save or activate your entries.
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If you want to edit an existing condition assignment, double-click on the condition assignment to select it.
You can make your changes, such as changes to the validity period or exchanging condition tables in the Process Assignment section for each tab page
You can flag a condition assignment for activation or deletion if the release procedure is activated in each case.
See also
Example Condition Table and Condition Assignment - Consumer Loan
Example Condition Tables: Installment Loans
2.2.3.2 Example Condition Table and Condition Assignment Consumer Loan

The standard conditions are to apply for the product Personal Loan . It is to be valid for an unlimited period from 01/01/2000. The nominal interest is to be
dependent on the amount and the term of the loan contract. A contract conclusion charge and processing charges for deferral or capitalization of overdue
items may be incurred.
The product personal loan is offered by branches of your bank and via the Internet. Depending on the sales channel used, different standard conditions will be
valid. In this case you create the condition tables Personal Loan Branch and Personal Loan Internet and assign both to the product Personal Loan .
Condition Table Personal Loan: Branch
Description
Personal Loan: Branch
Currency
Euro
Version
0001
Valid from
01/01/2000
Valid to
12/31/9999
Condition
CTyp
Nominal Interest
2201
Settlement Charge
FType
Loan Amount
Term
Interest
7.40%
48
7.50%
10 000
7.25%
10 000
48
7.35%
2212
Amount
2%
Deferral Charge
3161
15
Capitalization Charge
3162
15
Condition Table Personal Loan: Internet

Description
Personal Loan: Internet
Currency
Euro
Version
0001
Valid from
01/01/2000
Valid to
12/31/9999
Condition
CTyp
Nominal Interest
2201
Settlement Charge
FType
Loan Amount
Term
Interest
6.40%
48
6.50%
10 000
6.25%
10 000
48
6.35%
2212
Amount
1.5%
Deferral Charge
3161
15
Capitalization Charge
3162
15
Condition Assignments
Product
Organizational Unit
Sales Channel
Personal Loan
Team A
Branch
Personal Loan: Branch
Personal Loan
Team A
Internet
Personal Loan: Internet
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Condition Table
Page 34 of 34

Loan Management

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Consumer Loan

PDF download from SAP Help Portal:

1.1 Editing a Consumer Loan

Display Processing Characteristics

1.1.1 Creating a Model Calculation

In the SAP Easy Access menu, choose

Enter the loan amount required by the interested party.

1.1.2 Creating a Consumer Loan

1.1.3 Disbursing a Consumer Loan

1.1.4 Rescinding a Consumer Loan

2. Enter the required data and choose Check Run.

1.1.5 Entering a Reduction

1.1.6 Changing the Installment Plan

1.1.7 Discharging a Consumer Loan

1.1.8 Editing Credit Life Insurance

Change Insurance Rate or Occupation

1.1.9 Rescinding or Giving Notice on Credit Life Insurance

1.1.10 Entering an Insurance Case

1.1.11 Setting Condition-Determining Parameters

1.1.11 Setting Condition-Determining Parameters

1.2 Changing a Consumer Loan

Rescind/Give Notice on Credit Life Insurance

1.3 Displaying a Consumer Loan

To call a loan in display mode, proceed as follows:

Total loan amount

2.1 Changing the User Interface for Contract

Credit life insurance

Model calculation parameters

Model calculation columns

Model calculation rows

2.2 Products and Conditions

2.2.1.1 Creating a Product

2.2.1.2 Changing a Product

If the condition table is assigned to a product, this assignment is retained.

2.2.1.3 Displaying a Product

2.2.1.4 Product Comparison

2.2.1.5 Deleting a Product

2.2.1.6 Editing Product Attributes

Activating or deactivating the changeability of an attribute in the contract

Determining the properties of an attribute

2.2.2 Condition Table

can exist in the form of different versions

2.2.2.1 Creating a Condition Table

2.2.2.1 Creating a Condition Table

2.2.2.2 Changing a Condition Table

2.2.2.3 Displaying a Condition Table

2.2.2.4 Example Condition Table: Installment Loan

Fixed Rate Installment Loans

Reference Interest Ctr

Effective from (Per)

Variable Rate Balloon Loan

Final Installment (Balloon) 102

Reference Interest Rate

Adjustable Rate Installment Loan

Reference Interest Rate

Variable Single Payment Installment Loan

Reference Interest Rate

Interest Only Installment Loan

Reference Interest Rate

2.2.3 Condition Assignment

Consumer Loan (340)*

2.2.3.1 Editing a Condition Assignment

Installment Loan (360)

2.2.3.2 Example Condition Table and Condition Assignment Consumer Loan