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Capitalization of Overdue Items for Consumer Loans (New) ( RELNBANK_CML_500_CLCOI )

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Short text

Capitalization of Overdue Items for Consumer Loans (New)

Use

As of SAP ECC 5.00, Financial Services (EA-FS 500) you can use the new capitalization of overdue items function in the business operations workplace to spread overdue items, and in some cases future payments, for a loan belonging to the category Consumer Loans (340), from a key date over the rest of the loan term. To do this, the contract capital and the remaining capital are increased by the overdue items for the loan, together with the future payments that the borrower is unable to pay. In doing so, the system clears the items that are included in the capitalization of overdue items.

You will find more information about the new function for loans belonging to the category Consumer Loan (340) under Product Category Consumer Loans (340) (New).

Effects on Existing Data

Effects on Data Transfer

Effects on System Administration

Effects on Customizing

To be able to use this function you need to have executed the following IMG activities in Customizing for Loans Management:

Capitalization of overdue items

• To use the Capitalization of Overdue Items function for a certain product type, you have activated this for the product type in the IMG activity Define Product Types.

• To enable the system to process the flows for the Capitalization of Overdue Items correctly, you have defined the flow types, and the offsetting flow types, for the flows for capitalization of overdue items under Define Flow Types.

• Charge for capitalization of overdue items

• Flow for capitalization of overdue items (flow category AC)

• Flows for CLI extra charge and CLI reimbursement

You have created the flow types for additional charges, so that you can add them to the additional flows, if required.

• You have assigned offsetting flow types to the flow types in the IMG activity Assign Offsetting Flows, so that the system can clear the open items and future payments with the capitalization amount. To do this, you have used the relationship category Clear by Capitalization of Overdue Items (111).

• In the IMG activity Define Account Determination (under Functions), you have defined the account determination for the flow types for further processing of the amounts.

• In the IMG activity Define Condition Groups you have made the following settings in the Assign Flow Types to Condition Groups per Application screen:

• You have assigned the flow types for the capitalization of overdue items (capitalization charge, CLI extra charge and CLI reimbursement) to the application subfunction Capitalization of Overdue Items Additional Flows (511).

• You have assigned the flow types that you use for manual additional flows to the application subfunction Capitalization of Overdue Items Manual Additional Flows (512)

• You have assigned the flow type for the capitalization charge to the application subfunction Charge for Capitalization of Overdue Items (513)

• You have assigned a disbursement flow for the capitalization of overdue items to the application subfunction Capitalization of Overdue Items Disbursement Flow (514)

• You have assigned the flow type for the CLI reimbursement to the application subfunction Capitalization of Overdue Items CLI Reimbursement (515)

• You have assigned the flow type for the CLI extra charge to the application subfunction Capitalization of Overdue Items CLI Extra Charge (516)

• In the IMG activity Define Condition Groups, you have assigned the condition type for capital increases to the application subfunction Capitalization of Overdue Items (510) in the Assign Condition Types to Condition Groups per Application screen.

• In the IMG activity Define General Control Data (under Capitalization of Overdue Items) you have determined which tab pages are to be available in the application.

• In the IMG activity Define Basic Settings (under Capitalization of Overdue Items) you have defined the predefined values and settings that take effect, depending on the product type used.

• In the IMG activity Define Reasons for Capitalization (under Capitalization of Overdue Items) you have defined the reasons for the capitalization of overdue items to be entered by the user.

• In the IMG activity Define Postprocessing Reasons (under Capitalization of Overdue Items) you have defined the reasons for postprocessing, to be entered by the user.

Release

If you want to use the release function within the capitalization of overdue items function, you must make the appropriate settings for the capitalization in the activities Maintain Active Indicators, Define Release Status Parameters, and Maintain Workflow Settings in the Release section.

Correspondence

If you want to use the correspondence function within the capitalization of overdue items function, you need to carry out the IMG activities under Correspondence with Correspondence Tool (SAP Smart Forms) in Customizing for Loans Management.

In the IMG activity Define External Flow Types you have replaced the flow types relevant for the capitalization of overdue items, such as processing charges, with external flow types and leave the Report Category field empty.

Further Information

You will find more information in the documentation for the individual IMG activities, and in the SAP Library by choosing Financials → SAP Banking → Loans Management → Position Management → Business Operations → Capitalization of Overdue Items for Consumer Loans.

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This documentation is copyright by SAP AG.

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