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Automatic Processing of Overpayments for Consumer Loans (Enhanced) ( RELNBANK_CML_600_CLOP )

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Automatic Processing of Overpayments for Consumer Loans (Enhanced)

Use

As of SAP ECC Enterprise Extension Financial Services 6.0 (EA-FS 600), the following enhancements apply for this function:

• The function can be used to process loans for which more than one payoff exists. To do this, the system selects the payoff that corresponds the closest with the incoming overpayment in term of the tolerances and the tolerance sequence that you have defined in the IMG activity Determine Tolerances.

• The function can be used to process loans for which more than one overpayment exists. To do this, the system searches for an existing payoff amount that corresponds with the total for overpayments with the same payment date.

• You can determine the following at product level for this function:

• You can determine whether the system retains the term of a loan and adjusts the payment installment amount, or reduces the term and retains the payment installment amount when you create a partial payoff for a loan based on the product.

You do this by making the settings required in the new product attribute Retain the Term of the Loan in the Event of a Partial Payoff.

• You can now determine the upper limit amount to which the system creates an automatic payoff from an overpayment as a number of installment payments too.

You do this by making the required settings in the new product attribute Upper Limit as a Number of Payment Installments.

You can find the settings for the product in the SAP Easy Access Menuunder Loans Management -> Current Settings. For more information, see Products for Consumer Loans (Enhanced)

Effects on Customizing

If you want this function to automatically process loans for which more than one overpayment exists, you must determine the tolerance sequence for the system in the IMG activity SIMG.MASCH_UEBER_TOLERANZ Determine Tolerances.

Further Information

For more information about the other necessary settings, see the documentation for the individual IMG activity and the SAP Library under Loans Management -> Accounting -> Payment Postprocessing -> Automatic Processing of Overpayments for Consumer Loans.

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