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EAFS_CML_CL_EXT: Consumer Loan Enhancement - Retrofit of PB Development (Reversible) ( RELNEAFS_606_CML_CL_EXT )
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Short text
EAFS_CML_CL_EXT: Consumer Loan Enhancement - Retrofit of PB Development (Reversible)
Use
As of SAP enhancement package 6 for SAP ERP 6.0, Enterprise Extension Financial Services (EA-FS 606), you can use the business function Consumer Loan Enhancement - Retrofit of PB Development (Reversible) to implement the new functions described below.
Loan Discharge (Enhanced)
If you create a new consumer loan as part of the Discharge Loan function, save the loan discharge with contract status, but have not posted the payoff yet, the system prevents automatic postings that generate overpayments from being posted to the old loan contract . If open items are to be collected by auto debit and included in the calculation of the discharge amount when the discharge contract is saved, the system sets a payment lock automatically. This payment lock stops the auto debit from being executed for these items, which prevents overpayments from being created. When you save the discharge contract, the system automatically changes the posting control key to Online Posting for all automatic debit positions of planned records whose due date is later than the discharge date. This prevents the planned records from being debit posted.
For more information, see SAP Library under Financials → SAP Banking → Loans Management → New Business → Consumer Loans → Editing a Consumer Loan → Discharging Consumer Loan.
Editing Consumer Loans (Enhanced)
The new Position Management function is available for loan contracts with the Consumer Loan product category. You use this function to display information about individual open items that have been posted. You can also edit these posted open items. The system selects and displays the open items based on the payment date, which is based on the key date. The key date is filled with the current date. You can set this to a later date in the Customizing settings. If the key date is in the future, then the system also displays the planned records up to this date. In addition, overdue items and overpayments are displayed as separate debit, future payment, and credit totals. These totals are also displayed with the debit-credit balance, which you can calculate for the one part of the items that you have selected. Interest on arrears that has not yet been posted is calculated for the current arrears and displayed as a separate total amount. If the key date is in the future, interest on arrears is also calculated for the planned records.
Note:
On the Consumer Loan screen, you can display the current
overdue items and overpayments/credit balance for the consumer loan contract. To display the debit-credit balance, you use the existing Financial Data pushbutton.
You can also navigate to the following functions:
- Business Operations: You can create, edit or display business operations. Also, in Workplace for Business Operations, you can navigate to the following business operations:
- Single postings
- Charges
- Payoff: You can now specify the end of term date, or a date later than the end of term date of the contract, as the key date.
- Waivers/Write-offs
- Deferral
- Capitalization of Overdue Items:You can now specify the contract end of term plus one day, or a date later than this, as the key date for the capitalization of overdue items.
- Interest on Arrears
- Manual Payment Postprocessing: You can manually process payments that are posted to the loan contract as an overpayment.
- Edit Payment Data: The entries for each selected open item are enhanced with the following corresponding payment transaction data from FI documents, which you can change here if necessary.
- Payment method
- Payment lock
- Bank details
For more information, see the documentation for the individual Customizing activities and SAP Library under Loans Management → Position Management.
Release Disbursement Data (New)
Changes to certain disbursement data are subject to the release procedure and are controlled by the existing Loan Master Data (VDARL)release object . To define the disbursement data that is to be subject to the release procedure, you can use a new method for the BAdI Consumer Loan: Master Data. For example, if the consumer loan has Contract Offer or Contractstatus, any changes to the amount, bank key, or account numbercan be subject to release.
The new Warning When Disbursement Changed product attribute outputs a warning when the disbursement data defined in the BAdI is changed, which then triggers the release workflow. You release the data in the Business Workplace. The system then displays a work item with text describing the change. If you want to display or change the loan contract data, you can select this item. If you want to post the disbursement, you must first release the change to the disbursement data.
Effects on Customizing
In the Customizing activity Maintain Active Indicators, define the Loan Master Data (VDARL) release object and make the relevant settings under Define Release Status Parameters and Maintain Workflow Settings. The Loan Master Data (VDARL) release object continues to be valid for the disbursement data.
The BadI Consumer Loan: Master Data(FVD_MD_MODEL) has been enhanced with the method Check for Changes to Disbursement Data (CHECK_DISBURSEMENT_CHANGES). You use this method to define the disbursement data to be subject to the release procedure if it is changed.
The new Warning When Data Changed attribute is available in the disbursement data under Determine Attributes for Consumer Loans (340) and Display Attributes for Consumer Loans (340). If you want to trigger the release workflow when changes are made to the disbursement data, you must define this attribute.
For more information, see the documentation for the Customizing activities and SAP Library under
Loans Management → New Business → Consumer Loans → Editing a Consumer Loan → Disbursing a Consumer Loan and under Information System → Reports → Transaction → Release.
Notice (Enhanced)
After notice has been given, you can automatically continue processing the remaining open items for the Consumer Loan product category. Depending on the limit amounts you have defined in Customizing for each clearing category, the system clears the open items. The following clearing categories are available:
- Waiver
- Write-off
Incoming Payment Distribution Lock (Enhanced)
To prevent automatic clearing of posted incoming payments or overpayments with open items for the Consumer Loan product category, you can set an incoming payment distribution lock. Previously, it was only possible to prevent open items from being cleared automatically for this contract once the payoff was activated and posted. To do so, you set the lock in the Payoff function on the Administrative Data tab page. You can predefine this lock in Customizing under Payoff for Consumer Loans → Define Templates.
It is now possible to set the lock in the contract data of a consumer loan using the Change Credit Standing pushbutton. If you save the loan contract, the system prevents automatic clearing of open items for this contract. To set the lock, you can use the functions Incoming Bank Statement → Enter Manually or Incoming Bank Statement → Import. You must delete the lock manually.
For more information, see SAP Library under Loans Management → New Business → Consumer Loans → Editing a Consumer Loan → Discharging Consumer Loan.
Payoff (Enhanced)
You can manually adjust the following data for a partial payoff for the Consumer Loan product category:
- New number of installments
- New installment amount
If you change the number of installments, then the system automatically adjusts the installment amount and the clearing installment.
If you change the installment amount, then the system automatically adjusts the number of installments and the clearing installment.
For more information, see SAP Library under Loans Management → Position Management → Business Operations → Payoff for Consumer Loans → Payoff: Basic Data.
Prepare New Auto Debit (New)
To remove the payment lock manually from FI documents for open items that have been created due to returned debit memos, you can use the new Prepare New Auto Debitfunction for the Consumer Loans product category.
You can use the function to collect automatically any open items and any internal or external charges from returned debit memos created by the auto debit procedure.
To use the function, you must have defined the Accounting Document: Change/Display Default Values Document Type/Posting Key authorization object and generated the profile using the transaction PFCG.
Effects on Customizing
If you want to reverse documents, you must first define reversal reasons in the Customizing activity Define Reasons for Reversal.
If you want to execute returned debit memos using the electronic account statement, then you need to assign the external reversal reasons for the returned debit memos to the internal reversal reasons in the Customizing activity BAdI: Assignment of External Reversal Reasons.
For more information, see the documentation for the individual Customizing activities and SAP Library under Loans Management → Accounting → Payment Postprocessing → Prepare New Auto Debit.
Area Menu
The structure of the application menu for Loans Management has changed.
You find the new Prepare New Auto Debit function under Receivables / Payment Management → Payment Postprocessing.
Effects on Existing Data
Effects on Data Transfer
Effects on System Administration
Effects on Customizing
The structure of Customizing for Loans Management has changed.
Under Functions → Business Operations → Payoff/Notice → Notice for Consumer Loans,you find the following new Customizing activities for Notice:
Further Information
Addresses (Business Address Services) TXBHW - Original Tax Base Amount in Local Currency
This documentation is copyright by SAP AG.
Length: 14119 Date: 20240603 Time: 133303 sap01-206 ( 236 ms )
