Loan

Type: Information Object

Status: Active
Industry Sector: Financial Services
Sensitivity Level: Confidential
Personal Information: Sensitive PII

Description:
A credit facility issued by a financial institution to a borrower.

Accessed by Application(s):

• Core Banking System
• Credit Management Application
• Debt Collection Application
• Digital Banking Platform
• Loan Origination System
• Loan Servicing Application

 Yes

Attributes

Order	Name	Description	Type	Cardinality	Example value
1	Loan ID	Unique identifier for the loan	GUID	Mandatory
2	Customer ID	Reference to the borrower customer record	Reference	Mandatory
3	Collateral ID	Reference to any collateral securing the loan	Reference	Optional
4	Loan Type	Type of loan product	Enumeration	Mandatory	Personal Loan
5	Interest Rate Type	Whether the rate is fixed or variable	Enumeration	Mandatory	Fixed
6	Status	Current lifecycle status of the loan	Enumeration	Mandatory	Active
7	Principal Amount	Original amount lent to the borrower	Decimal	Mandatory
8	Interest Rate	Annual interest rate applied to the loan	Decimal	Mandatory
9	Disbursement Date	Date the loan funds were transferred to the borrower	Date	Mandatory
10	Maturity Date	Date on which the loan is fully due for repayment	Date	Mandatory
11	Outstanding Balance	Remaining principal balance on the loan	Decimal	Mandatory
12	Currency	Currency of the loan	Enumeration	Mandatory	EUR
13	Repayment Frequency	Frequency of scheduled repayment instalments	Enumeration	Mandatory	Monthly
14	Arrears Flag	Indicates whether the loan is currently in arrears	Boolean	Mandatory

 Yes
 
 Active
 Sensitive PII
 Confidential
 Financial Services
 A credit facility issued by a financial institution to a borrower.

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