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Deferral for Consumer Loans (New) ( RELNBANK_CML_500_CLDEFER )

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Short text

Deferral for Consumer Loans (New)

Use

As of SAP ECC 5.00, Financial Services (EA-FS 500) you can use the new deferral function in the business operations workplace to defer overdue items and, if necessary, future payments for a loan belonging to the category Consumer Loans (340). In doing so, you transfer the overdue items of the loan, and the future payments that the borrower is unable to pay, into a deferral arrangement. This contains a payment plan that is independent of the normal installment plan for the loan.

You will find more information about the new function for loans belonging to the category Consumer Loans (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:

Deferral

• To use the deferral 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 deferral correctly, you have defined the flow types, and the offsetting flow types for the flows for deferral, under Define Flow Types.

• Deferral repayment (flow category DETT)

• Deferral interest (flow category DETZ)

• Deferral charge (flow category TB)

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 deferral amounts. In doing so, you used the relationship category Cleared by Deferral (110).

• 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 need to have made the following settings in the Assign Flow Types to Condition Groups per Application screen:

• You have assigned the flow types for the deferral (deferral repayment, deferral interest and deferral charge) to the application subfunction Deferral Other Flows (501)

• You have assigned the flow types that you use for manual additional flows to the application subfunction Deferral Manual Other Flows (502)

• You have assigned the flow type for the deferral interest to the application subfunction Deferral Interest (503)

• You have assigned the flow type for the deferral repayment to the application subfunction Deferral Repayment (504)

• You have assigned the flow type for the deferral charge to the application subfunction Deferral Charge (505)

• In the IMG activity Define General Control Data (under Deferral) you have determined the tab pages that will be available in the application.

• In the IMG activity Define Basic Settings (under Deferral) you have determined the predefined values and settings that take effect for each product type.

• In the IMG activity Define Reasons for Deferral (under Deferral) you have defined the reasons for the deferral to be entered by the user.

• In the IMG activity Define Postprocessing Reasons (under Deferral) you have defined the postprocessing reasons to be entered by the user.

Release

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

Correspondence

If you want to use the correspondence function within the notice 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 need to have replaced the flow types relevant for deferral, such as processing charges, with external flow types, and left the field Report Category 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 → Deferral for Consumer Loans.

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Length: 6975 Date: 20240426 Time: 145209     sap01-206 ( 102 ms )