Accept loan contract
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Last updated
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In this example, we will review how to accept a loan contract. Note that to accept the loan contract, you must provide the contract headerId parameter. You can fetch the headerId parameter by searching for existing loan contracts.
The loan contract with the ID-1664282474 header ID.
...contracts/ID-1664282474/accept
Accepting a loan contract might be an optional step. When setting up a loan product, you can choose if the loan contract must be accepted manually. See more about the .
To accept a loan contract, make the following call.
https://loan-api.sandbox.tuumplatform.com/api/v2/contracts/{headerId}/accept
See more information about the accept loan contract endpoint in the Tuum developer portal.
Below is an example request of the API call for accepting a loan contract.
https://loan-api.sandbox.tuumplatform.com/api/v2/contracts/ID-1664282474/acceptcurl -L -X POST 'https://loan-api.sandbox.tuumplatform.com/api/v2/contracts/ID-1664282474/accept' \
-H 'x-channel-code: system' \
-H 'x-auth-token: eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJleHBpcnlEVGltZSI6IjIwMjMtMDctMDRUMTY6MDA6MDYiLCJyb2xlcyI6WyJBRE1JTiJdLCJuYW1lIjoiSm9obiBPZmZpY2VyIiwiZW1wbG95ZWVJZCI6IjEiLCJ0ZW5hbnRDb2RlIjoiTUIiLCJleHAiOjE2ODg0ODY0MDZ9.UlsP2k_CvOfa7gYPSq-UxWDkGzKeGpiBGwG7DXkY2wk' \
-d ''Below you find an example response body to the API call above.
{
"errors": null,
"validationErrors": null,
"data": {
"personId": "ID-3392",
"coPersonId": null,
"headerId": "ID-1664282474",
"contractNumber": "BL1000",
"loanTypeCode": "BALLOON_LOAN",
"loanGroupCode": "UNSECURED_LOAN",
"hasCollateral": false,
"repaymentMethod": "RECEIVABLE",
"monthlyRepaymentType": "RECEIVABLE",
"referenceNumber": "500115",
"tenantCode": "MB",
"countryCode": "GB",
"channelCode": "BACKOFFICE",
"firstVersionId": "ID-1664282484",
"activeVersionId": "ID-1664282484",
"draftVersionId": null,
"offerId": "ID-1664282483",
"offeredMoney": {
"amount": 20000.00,
"currencyCode": "GBP"
},
"applicationId": null,
"applicationScore": null,
"preparationDate": "2023-07-04",
"activationDate": null,
"endDate": "2024-08-01",
"statusCode": "ACCEPTED",
"period": 12,
"purpose": "business",
"servicingAccountId": null,
"overdraftAccountId": null,
"limitUsageDate": "2024-08-01",
"previousInvoiceDate": null,
"nextInvoiceDate": null,
"nextInvoiceDueDate": null,
"firstVersion": {
"versionId": "ID-1664282484",
"headerId": "ID-1664282474",
"limitMoney": {
"amount": 20000.00,
"currencyCode": "GBP"
},
"annuityMoney": {
"amount": 117.16,
"currencyCode": "GBP"
},
"contractFeeMoney": {
"amount": 0.00,
"currencyCode": "GBP"
},
"netMoney": {
"amount": 20000.00,
"currencyCode": "GBP"
},
"contractMoney": {
"amount": 20000.00,
"currencyCode": "GBP"
},
"preparationDate": "2023-07-04",
"signingDate": null,
"activationDate": null,
"startDate": "2023-07-04",
"stopDate": null,
"endDate": "2024-08-01",
"limitUsageDate": "2024-08-01",
"statusCode": "ACCEPTED",
"period": 12,
"apr": 5.11,
"interestRate": 5,
"invoiceDay": null,
"invoiceDueDay": null,
"scheduleTypeCode": "BALLOON",
"scheduleReGenerationRule": "FIXED_PAYMENT_LENGTH",
"versionNumber": 1,
"changeTypeCode": "NEW_CONTRACT",
"countryCode": null,
"tenantCode": null,
"minimalWithdrawalTypeCode": null,
"minimalWithdrawalAmount": null,
"invoiceDayOfMonth": null,
"monthlyRepaymentMoney": {
"amount": 117.16,
"currencyCode": "GBP"
},
"monthlyRepaymentRate": null,
"schedule": [
{
"scheduleLineId": "ID-1664286322",
"versionId": "ID-1664282484",
"componentTypeCode": "INT",
"initialBalanceMoney": {
"amount": null,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 161.64,
"currencyCode": "GBP"
},
"paymentDate": "2023-09-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286323",
"versionId": "ID-1664282484",
"componentTypeCode": "PRI",
"initialBalanceMoney": {
"amount": 20000.00,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 34.97,
"currencyCode": "GBP"
},
"paymentDate": "2023-10-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286324",
"versionId": "ID-1664282484",
"componentTypeCode": "INT",
"initialBalanceMoney": {
"amount": null,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 82.19,
"currencyCode": "GBP"
},
"paymentDate": "2023-10-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286325",
"versionId": "ID-1664282484",
"componentTypeCode": "PRI",
"initialBalanceMoney": {
"amount": 19965.03,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 32.38,
"currencyCode": "GBP"
},
"paymentDate": "2023-11-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286326",
"versionId": "ID-1664282484",
"componentTypeCode": "INT",
"initialBalanceMoney": {
"amount": null,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 84.78,
"currencyCode": "GBP"
},
"paymentDate": "2023-11-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286327",
"versionId": "ID-1664282484",
"componentTypeCode": "PRI",
"initialBalanceMoney": {
"amount": 19932.65,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 35.24,
"currencyCode": "GBP"
},
"paymentDate": "2023-12-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286328",
"versionId": "ID-1664282484",
"componentTypeCode": "INT",
"initialBalanceMoney": {
"amount": null,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 81.92,
"currencyCode": "GBP"
},
"paymentDate": "2023-12-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286329",
"versionId": "ID-1664282484",
"componentTypeCode": "PRI",
"initialBalanceMoney": {
"amount": 19897.41,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 32.66,
"currencyCode": "GBP"
},
"paymentDate": "2024-01-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286330",
"versionId": "ID-1664282484",
"componentTypeCode": "INT",
"initialBalanceMoney": {
"amount": null,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 84.50,
"currencyCode": "GBP"
},
"paymentDate": "2024-01-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286331",
"versionId": "ID-1664282484",
"componentTypeCode": "PRI",
"initialBalanceMoney": {
"amount": 19864.75,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 32.80,
"currencyCode": "GBP"
},
"paymentDate": "2024-02-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286332",
"versionId": "ID-1664282484",
"componentTypeCode": "INT",
"initialBalanceMoney": {
"amount": null,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 84.36,
"currencyCode": "GBP"
},
"paymentDate": "2024-02-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286333",
"versionId": "ID-1664282484",
"componentTypeCode": "PRI",
"initialBalanceMoney": {
"amount": 19831.95,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 38.38,
"currencyCode": "GBP"
},
"paymentDate": "2024-03-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286334",
"versionId": "ID-1664282484",
"componentTypeCode": "INT",
"initialBalanceMoney": {
"amount": null,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 78.78,
"currencyCode": "GBP"
},
"paymentDate": "2024-03-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286335",
"versionId": "ID-1664282484",
"componentTypeCode": "PRI",
"initialBalanceMoney": {
"amount": 19793.57,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 33.11,
"currencyCode": "GBP"
},
"paymentDate": "2024-04-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286336",
"versionId": "ID-1664282484",
"componentTypeCode": "INT",
"initialBalanceMoney": {
"amount": null,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 84.05,
"currencyCode": "GBP"
},
"paymentDate": "2024-04-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286337",
"versionId": "ID-1664282484",
"componentTypeCode": "PRI",
"initialBalanceMoney": {
"amount": 19760.46,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 35.95,
"currencyCode": "GBP"
},
"paymentDate": "2024-05-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286338",
"versionId": "ID-1664282484",
"componentTypeCode": "INT",
"initialBalanceMoney": {
"amount": null,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 81.21,
"currencyCode": "GBP"
},
"paymentDate": "2024-05-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286339",
"versionId": "ID-1664282484",
"componentTypeCode": "PRI",
"initialBalanceMoney": {
"amount": 19724.51,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 33.40,
"currencyCode": "GBP"
},
"paymentDate": "2024-06-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286340",
"versionId": "ID-1664282484",
"componentTypeCode": "INT",
"initialBalanceMoney": {
"amount": null,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 83.76,
"currencyCode": "GBP"
},
"paymentDate": "2024-06-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286341",
"versionId": "ID-1664282484",
"componentTypeCode": "PRI",
"initialBalanceMoney": {
"amount": 19691.11,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 36.24,
"currencyCode": "GBP"
},
"paymentDate": "2024-07-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286342",
"versionId": "ID-1664282484",
"componentTypeCode": "INT",
"initialBalanceMoney": {
"amount": null,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 80.92,
"currencyCode": "GBP"
},
"paymentDate": "2024-07-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286343",
"versionId": "ID-1664282484",
"componentTypeCode": "PRI",
"initialBalanceMoney": {
"amount": 19654.87,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 19654.87,
"currencyCode": "GBP"
},
"paymentDate": "2024-08-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
},
{
"scheduleLineId": "ID-1664286344",
"versionId": "ID-1664282484",
"componentTypeCode": "INT",
"initialBalanceMoney": {
"amount": null,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 83.47,
"currencyCode": "GBP"
},
"paymentDate": "2024-08-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
"amount": null,
"currencyCode": "GBP"
},
"receivableId": null,
"receivableTypeCode": null
}
],
"components": [
{
"componentId": "ID-1664282716",
"versionId": "ID-1664282484",
"headerId": "ID-1664282474",
"initialMoney": {
"amount": 0.00,
"currencyCode": "GBP"
},
"balanceMoney": {
"amount": 0.00,
"currencyCode": "GBP"
},
"invoicedBalanceMoney": {
"amount": null,
"currencyCode": "GBP"
},
"debtMoney": {
"amount": 0.00,
"currencyCode": "GBP"
},
"debtStartDate": null,
"calculationMethod": {
"daysInMonth": "ACT",
"daysInYear": 365
},
"rateBaseCode": null,
"rate": 5,
"accruedUntilDate": null,
"scheduleTypeCode": "BALLOON",
"scheduleDefinitionTypeCode": "AUTOMATIC",
"scheduleStartDate": "2023-07-04",
"paymentInterval": 1,
"paymentDay": null,
"regularMoney": {
"amount": null,
"currencyCode": "GBP"
},
"baseInvalidFromDate": null,
"componentTypeCode": "INT",
"componentType": {
"componentTypeCode": "INT",
"name": "Interest",
"interestLike": true,
"feeLike": false,
"penalty": false,
"basePositionCode": null,
"baseComponentTypeCode": null,
"holdsBalance": false,
"separateRepaymentOrders": true,
"processingOrder": null,
"feeIncomeRule": null,
"deferredAccrualTypeCode": null,
"defaultAmountType": null,
"defaultAmount": null,
"defaultRate": null,
"periodicFeeRule": false,
"excludedFromMinCalc": false,
"feeSubtypeCodes": null,
"feeBookingRuleCode": null,
"feeRepaymentRuleCode": null,
"ratyCode": null,
"feeFixedOnOffer": false,
"createdAtPreparation": false
},
"rateTypeCode": "FIX",
"marginRate": null,
"baseRate": null,
"lastBaseRateChangeDate": null,
"nextBaseRateChangeDate": null,
"rateChangeDay": null,
"dailyRate": 0.0001369863
},
{
"componentId": "ID-1664282717",
"versionId": "ID-1664282484",
"headerId": "ID-1664282474",
"initialMoney": {
"amount": 20000.00,
"currencyCode": "GBP"
},
"balanceMoney": {
"amount": 0.00,
"currencyCode": "GBP"
},
"invoicedBalanceMoney": {
"amount": null,
"currencyCode": "GBP"
},
"debtMoney": {
"amount": 0.00,
"currencyCode": "GBP"
},
"debtStartDate": null,
"calculationMethod": null,
"rateBaseCode": null,
"rate": null,
"accruedUntilDate": null,
"scheduleTypeCode": "BALLOON",
"scheduleDefinitionTypeCode": "AUTOMATIC",
"scheduleStartDate": "2023-07-04",
"paymentInterval": 1,
"paymentDay": 1,
"regularMoney": {
"amount": null,
"currencyCode": "GBP"
},
"baseInvalidFromDate": null,
"componentTypeCode": "PRI",
"componentType": {
"componentTypeCode": "PRI",
"name": "Principal",
"interestLike": false,
"feeLike": false,
"penalty": false,
"basePositionCode": null,
"baseComponentTypeCode": null,
"holdsBalance": false,
"separateRepaymentOrders": true,
"processingOrder": null,
"feeIncomeRule": null,
"deferredAccrualTypeCode": null,
"defaultAmountType": null,
"defaultAmount": null,
"defaultRate": null,
"periodicFeeRule": false,
"excludedFromMinCalc": false,
"feeSubtypeCodes": null,
"feeBookingRuleCode": null,
"feeRepaymentRuleCode": null,
"ratyCode": null,
"feeFixedOnOffer": false,
"createdAtPreparation": false
},
"rateTypeCode": null,
"marginRate": null,
"baseRate": null,
"lastBaseRateChangeDate": null,
"nextBaseRateChangeDate": null,
"rateChangeDay": null,
"dailyRate": null
}
],
"paymentInstructions": [],
"initialLtv": null,
"currentLtv": null,
"paymentFreeMonths": null,
"reasonCode": null,
"solvencyLevelCode": null,
"creditScore": 100,
"saleChannelCode": null,
"penaltyGraceDays": 0,
"penaltyGraceMoney": {
"amount": 0.00,
"currencyCode": "GBP"
},
"campaignIds": [],
"amortisationPeriod": 300,
"dailyInterestRate": 0.0001369863
},
"activeVersion": {
"versionId": "ID-1664282484",
"headerId": "ID-1664282474",
"limitMoney": {
"amount": 20000.00,
"currencyCode": "GBP"
},
"annuityMoney": {
"amount": 117.16,
"currencyCode": "GBP"
},
"contractFeeMoney": {
"amount": 0.00,
"currencyCode": "GBP"
},
"netMoney": {
"amount": 20000.00,
"currencyCode": "GBP"
},
"contractMoney": {
"amount": 20000.00,
"currencyCode": "GBP"
},
"preparationDate": "2023-07-04",
"signingDate": null,
"activationDate": null,
"startDate": "2023-07-04",
"stopDate": null,
"endDate": "2024-08-01",
"limitUsageDate": "2024-08-01",
"statusCode": "ACCEPTED",
"period": 12,
"apr": 5.11,
"interestRate": 5,
"invoiceDay": null,
"invoiceDueDay": null,
"scheduleTypeCode": "BALLOON",
"scheduleReGenerationRule": "FIXED_PAYMENT_LENGTH",
"versionNumber": 1,
"changeTypeCode": "NEW_CONTRACT",
"countryCode": null,
"tenantCode": null,
"minimalWithdrawalTypeCode": null,
"minimalWithdrawalAmount": null,
"invoiceDayOfMonth": null,
"monthlyRepaymentMoney": {
"amount": 117.16,
"currencyCode": "GBP"
},
"monthlyRepaymentRate": null,
"schedule": [
{
"scheduleLineId": "ID-1664286322",
"versionId": "ID-1664282484",
"componentTypeCode": "INT",
"initialBalanceMoney": {
"amount": null,
"currencyCode": "GBP"
},
"paymentMoney": {
"amount": 161.64,
"currencyCode": "GBP"
},
"paymentDate": "2023-09-01",
"processed": false,
"source": null,
"invoiceId": null,
"invoiceNumber": null,
"totalReceivableUnpaidMoney": {
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}The loan contract status is changed to ACCEPTED.
