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Calculate LTV

Loan-to-value calculation — submit financing and collateral data, receive LTV ratio

Calculate LTV

Loan-to-value calculation adapter. Accepts financing and collateral data and returns the calculated LTV ratio. Called once per application during credit evaluation.

Endpoint:

  • POST /ltv/calculate — Calculate loan-to-value ratio

Calculate LTV

POST /ltv/calculate — Submit financing and collateral data to compute LTV.

Request body — CalculateLtvRequest:

  • financing (required): Array of financing elements (narrowed from standard-model Financing), each preserving:
    • basicEntityInformation.id: Agreement identifier
    • agreementKind: LOAN or CREDIT
    • specificAccountTypeInfo.initialLoanInformation.loanAmount: MonetaryValue (amount + currency)
    • basicAccountInformation.accountBalance: Balance for existing accounts
  • collateralObjects (required): Array of collateral objects (narrowed from standard-model CollateralObjects), each preserving:
    • basicEntityInformation.id: Collateral object identifier
    • agreementKind: COLLATERAL_OBJECT
    • basicCollateralObjectInformation.type: Collateral type enum (e.g. REAL_ESTATE)
    • basicCollateralObjectInformation.collateralValuation: Market valuation with marketValueType, value (MonetaryValue), and reductionFactorPercent

Response — CalculateLtvResponse:

  • ltv (required): Loan-to-value ratio as a percentage (e.g. 59.52)