Domain Object List

Name

Description

AccountDetails

Object for capturing account details

Ack

Acknowledgement response for any Async request.

ActionRequired

Details about additional actions expected from the user by the lender

AdditionalIdentifier

Additional identifier details for borrower/guarantor/applicant etc as the case might be

Address

Details about the Address of the Borrower

Applicant

This object captures the details of the person who is applying for the loan. Applicants can be different from the borrower.

Borrower

Details about the Borrower, this identifies with verification status etc.

Charge

Details about the penalty and processing charges for the loan

ChosenDisbursement

Object capturing the chosen disbursement plan and disbursement account for the loan

ChosenRepayment

Object capturing the chosen repayment plan and active payment method for the loan

Collateral

Security against which the loan is requested by the Borrower

Collaterals

Collateral details presented by the user for the loan application. Beyond the scope of MVP, added this for future use-cases.

Consent

Consent details needed for raising a consent request

ContactDetails

This object captures the contact details of the borrower/guarantor/applicant etc as the case might be

Disbursement

Object capturing the disbursement plans and the disbursement account choices available

Dispute

Object capturing the details of dispute and the suggested resolutions by the lender

Documents

All the data presented by the user to be used for granting loan will be classified as documents. Example - GST Invoices, Bank History, GST Summary, Swiggy Restaurant History

Guarantors

Guarantors for the loan application. Beyond the scope of MVP, added this for future use-cases.
All the data presented by the user to be used for granting loan will be classified as documents. Example - GST Invoices, Bank History, GST Summary, Swiggy Restaurant History

Lender

This object captures the details of the lender

LoanApplication

Details of the loan application which is composed of borrower, collateral etc.

LoanTenure

Details about the tenure of the loan including duration and units

LoanTerms

Details of the loan like amount sanctioned, interest, tenure etc

LoanTermsHistory

Details about how the loan parameters - amount, interest rate, tenure has changed over the course of loan

Metadata

Metadata about each API request

Offer

Offer will have the offer details like interest rate, tenure, minAmount, maxAmount etc

Party

Object for capturing the details of the parties who are associated with the collaterals

Payment

Object capturing the details of any kind of payment related to a loan

PaymentMethod

Object capturing the details of payment method. Each method would have different set of attributes depending on the type

PaymentPlan

Details about the payment plans provided by the lender. Can be a disbursement plan or a repayment plan

Reference

Object used for making pointing to a different entity in the request/response. For example: if the lender wants to refer a document from the Collateral section, this object should be populated with details of the document object `in payload

RejectionDetails

If a lender rejects a loanRequest, it needs to send standardized rejection codes and user messages.

Response

Object which indicates the successful completion of Request. If there are any business errors, they are captured inside response

Transaction

Object capturing the details of individual transactions carried out on the loan. Includes both disbursement and repayment.

Valuation

Valuation details for the collateral. For example, in case of home loans, it will capture how much the home is valued at.


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