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POST
A restructuring replaces the Loan’s unpaid remainder, from on, by a stated schedule. The Loan reads restructured until it closes.
  • The remainder is what ending the Loan on on would cost: every matured period still owed with its penalty and late fee to the day, the elapsed interest, the fee the market holds owed, and the unmatured principal.
  • The schedule re-amortises the remainder’s principal over term_periods periods on the Loan’s own cadence from on, at the Loan’s rate or a stated one inside the version’s corridor, with the version’s restructuring_fee spread across them.
  • The unpaid charges are carried, not capitalised. The interest, fee, penalty and late fee the remainder holds, each with its tax, are spread over the new periods in equal shares and appear on each as carried. They are inside the payment and bear nothing: no interest is charged on them and no penalty accrues on them. Charging interest on unpaid interest is anatocismo, and the Platform never does it.
  • The replaced periods stay with what was paid of them and read settled from on. The arrears from the next day are the new schedule’s alone; money from on pays the new schedule.
The disclosure figure does not move.

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Path parameters

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string
required
The Tenancy acting.
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string
required
The Loan. Another Tenancy’s and one that never existed are both 404.

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Body

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string
required
The day the schedule takes over.
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integer
required
How many periods. One the version sells.
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string
Annual, as a decimal percentage, inside the version’s corridor. Absent keeps the Loan’s own.
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object
The version’s restructuring_fee, restated. The fee is always the version’s, stated or not; a different fee, or any fee under a version that declares none, is 422 term_refused.
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string
required
Your name for the act, in the one act namespace of the Tenancy.
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string
required
Whoever acted, your own reference.
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string
required
Why, in your words.
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object
Stored, echoed beside the fact, read by nothing.

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Response

201 with the whole Loan: state reads restructured; the event carries the new periods as segment, and rate and fee where stated. Retry 200.

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Refusals

A second restructuring replaces the first’s remainder. They are retracted last in, first out.