Database – System Loan Defaults (defaults_system_loan)

This holds tenant-wide default options for new loans.

Column

Data Type

Column Info

Value Notes

Other

id

int(11)

The id of the entity

loan_class

char(30)

The classification for the loan

loan.class.*

loan_type

char(30)

Loan type code for associated loans

loan.type.*

is_primary

tinyint(1)

Whether or not it is the primary loan type for the specefied loan class.

1 - yes, 0 - no

grace_days

int(11)

Number of days a payment can be late before charging a late fee

late_fee_type

char(30)

late fee type

loan.lateFee.*

late_fee_amount

decimal(11,2)

Dollar amount for a late fee

late_fee_percent

decimal(11,2)

Percentage for late fee

late_fee_calc

char(30)

Calculation type for the late fee

loan.lateFeeCalc.*

card_fee_amount

decimal(11,2)

servicing fee amount

card_fee_type

char(30)

card fee type

loan.cardfee.types.*

card_fee_percent

decimal(11,2)

Card fee percentage

agent

int(11)

agent id of who made it

source_company

int(11)

Associated source company id

payment_type_default

int(11)

The default payment type, as determined by either your company-wide settings or Rules Applied on a specific loan.

loan_status

int(11)

associated loan status id

loan_sub_status

int(11)

loan sub status id

ebilling

tinyint(1)

Whether or not is signed up for ebilling

1 - yes, 0 - no

ecoa_code

char(30)

Borrower ECOA code

loan.ecoacodes.*

co_ecoa_code

char(30)

Co-Borrower ECOA code

loan.ecoacodes.*

portfolio

text

loan portfolio

credit_status

char(30)

Credit Status

loan.creditstatus.*

credit_bureau

char(30)

Credit Bureau

loan.creditburearu.*

reporting_type

char(30)

Reporting Type

loan.reportingtype.*

discount_split

tinyint(1)

Whether or not to split the discount

1 - yes, 0 - no

payment_frequency

char(30)

The frequency at which payments occur

loan.frequency.*

calc_type

char(30)

Calculation type to use for the loan

loan.calcType.*

days_in_year

char(30)

Days in the year used during calculations

loan.daysInYear.*

interest_application

char(50)

How interest is applied to the loan

loan.interestApplication.*

beg_end

char(20)

Determines if payments come due at the beginning of a period or the end of a period

loan.begend.*

first_period_days

char(40)

How to handle odd days in the first period

loan.firstPeriodDays.*

first_day_interest

tinyint(1)

Whether or not to charge interest on the first day

1 - yes, 0 - no

discount_calc

char(40)

How to calculate discount

loan.class.*

diy_alt

tinyint(1)

Days in Year (Alternate) for calculation

1 - yes, 0 - no

payment_date_app

char(30)

Method to apply payment date

loan.pmtdateapp.*

days_in_period

char(30)

Days in period info

smooth_payments

tinyint(1)

Whether or not to smooth payments

1 - yes, 0 - no

round_decimals

int(11)

Number of decimals to round to during calculation

last_as_final

tinyint(1)

Whether or not the last scheduled period is the final period

1 - yes, 0 - no

ndd_calc

char(30)

How to calculate the next due date

loan.nddCalc.*

end_interest

char(30)

Whether or not to charge interest after the original end date

loan.endinterest.*

fixed_term_pmt

tinyint(1)

Whether or not is fixed term payment

1 - yes, 0 - no

latefee_percent_base

char(40)

Late fee percentage base

loan.latefeepercentbase.*

schedule_template

int(11)

The ID of the schedule template to use

curtailment_template

int(11)

The ID of the curtailment template to use

fees_paid_by

char(30)

Fees paid by calculation

loan.feesPaidBy.*

use_interest_tiers

tinyint(1)

Whether or not to use tiered interest

1 - yes, 0 - no

loan_rate_type

char(30)

The interest rate calculation type

loan.rateType.annually

apr_force_single_freq

tinyint(1)

Whether or not the APR is forced to Single Frequency

1 - yes, 0 - no

due_date_on_last_dom

tinyint(1)

Due date on last day of month

1 - yes, 0 - no

due_dates_on_business_days

varchar(40)

How to restrict due dates to business days only

loan.businessduedates.*

autopay_enabled

tinyint(1)

Whether or not autopay is enabled

1 - yes, 0 - no

merchant_processor_group_id

int(11)

deleted

tinyint(1)

Whether or not the entity was deleted

1 - yes, 0 - no

lastUpdated

timestamp

Timestamp of when the entity was last updated

max_interest_amount

decimal (11,2)

This is the maximum interest amount on a loan.

merchant_processor_group_id

This is the ID of the merchant processor group.

finance_charge_as_mia

tinyint(1)

This is where you can keep track of the finance charge as the maximum interest accrual. This is where you can set the maximum interest accrual to the finance charge.

1 -yes

0 - no


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