Update a Loan Product (V2)

productId

Allow full term length for each tranche disbursement. Only available for PROGRESSIVE schedule type with multi-disbursement enabled.

Replace-all charge entries; omitting the array preserves associations AND flags; flags omitted on surviving entries are preserved, on new entries default false.

System-defined disbursement payee category; null clears.

BPI treatment; explicit null clears; omitted preserves. Refused for a schedule type that prices no broken period.

broken-period day-count convention — same choices as dayCountConvention (parity). Explicit null clears; omitted preserves. Declarative product configuration: stored as sent; the broken-period interest engine consumes it in a later phase.

Co-lending eligibility flag.

BPI-at-disbursement flag. Omitted preserves; explicit null is rejected — send false to disable. Refused for a schedule type that prices no broken period, and not yet consumed: no transaction or journal entry nets it from the proceeds.

APR-for-KFS flag. Omitted preserves; explicit null is rejected — send false to disable. Declarative: stored as sent; the APR/KFS engine consumes it in a later phase.

stable day-count convention name. Supplying it re-derives and updates the raw axes; explicit null clears ONLY the stored convention (axes untouched); omitted preserves. Updating either raw axis WITHOUT a convention in the same request clears the stored convention (drift prevention). Supplying both requires consistency.

product-level java.math.RoundingMode NAME (never an ordinal or any internal identifier). Null inherits tenant rounding. Declarative: persisted via the shared rounding profile; engine wiring consumes it in a later phase.

fixed nominal rate increment in percentage points per annum. Fixed-rate products only — must be null/omitted for floating products. Null = continuous.

first-repayment ceiling in days. Explicit null clears; omitted preserves; the combined final state must keep ceiling >= floor.

payment-formula variant. Omitted preserves; explicit null is rejected — send STANDARD_PMT to reset. PRECISE_PMT is stored as declarative configuration; the precise-PMT engine consumes it in a later phase.

principal increment anchored at minimumPrincipal. Explicit null clears the step (band returns to CONTINUOUS); omitted preserves. Requires the complete principal band when supplied; the default principal must sit on the grid.

Replace-all list of stable category-tag codes (code group LoanProductCategory).

Stable product-type code (code group LoanProductType); null clears.

replacement pinned-day set (monthly products only; exactly one day active). Explicit null clears the recurrence; omitted preserves. Changing repayment frequency away from monthly requires clearing repayOnDay in the same request.

residual (balloon) schedule eligibility flag. Declarative: stored as sent; the residual schedule engine consumes it in a later phase.

declarative input-mode selection (D-27). Omitted preserves; explicit null CLEARS the value back to "not configured" (nullable, no default). All five values are storable and none changes backend behaviour; changing the solver changes no other product field. The backend never derives Loan terms from scheduleSolver.

increment in NUMBER OF INSTALLMENTS over the repayment-count band (never a calendar duration). Explicit null clears; omitted preserves.