Technical Name of Business Function |
EAFS_CML_CL_EXT |
Type of Business Function |
Enterprise Business Function |
Available From |
SAP enhancement package 6 for SAP ERP 6.0 |
Technical Usage |
Financial Services |
Application Component |
Loans Management (FS-CML) |
Required Business Function |
Not relevant |
You can use this business function to improve the management of the loan contracts at your bank/financial institution. The features offered can help you to facilitate the processes for the following:
Freezing the exact payoff amount in the Notice business operation
Processing of delinquent loans
Position Management — new single point of access
Clearing process in Notice operation
Release function for disbursement data (new)
Repayment schedules for partial payoff
Preparation of new auto debit
Business Benefits
The following are the business benefits of this business function:
Ease of operations in position management due to single point of access with lesser navigation
New release process that is specific to critical disbursement data
Automation of further clearing process in Notice operation
Option to set up lock on incoming payment in contract master data and from the Payoff business operation
Freezing of exact payoff amount in Discharge business operation and avoidance of overpayment
Enhanced repayment options in partial payoffs
Enhanced follow-up processing for delinquent loans; enablement of Notice and Capitalization of Overdue Items for loans with zero remaining capital
Automation of auto debit process in returned debit memo instances
Technical Benefits
The technical benefit of this business function is a lower total cost of ownership.
Payment Lock for Loan Discharge
This feature is integrated in the Loans Discharge function.
Position Management for Consumer Loans
This feature is integrated on the editing screen for Consumer Loans.
New Method and Product Attribute for the Release Process for Disbursement Data
These additions are integrated in the release process for loan disbursement data.
Automation of Further Clearing Process in Notice Operation
This feature is integrated in the Notice function.
Incoming Payment Distribution Lock
This feature is integrated in the Payoff function on the Administrative Data tab page.
Manual Adjustment of Partial Payoff
This feature is integrated in the Partial Payoff function.
Preparation of New Auto Debit
This feature is integrated in the Payment Postprocessing function.
You have installed the following components as of the version mentioned:
Type of Component |
Component |
Required for the Following Features Only |
---|---|---|
Software Component |
EA-FINSERV 606 |
This feature enables you to prevent auto debits from being executed for a loan after it has been discharged. 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 and thus an overpayment from being made.
This feature enables you to display and edit information about individual open items and planned items that have been posted based on the payment date, which is based on the key 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 items 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.
This feature has been updated with a new method for the Business Add-In Consumer Loan: Master Data. This enables you to define additional criteria for the release process for loan disbursement data. 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.
This feature enables you to continue processing the remaining open items for the Consumer Loan product category after notice has been given. The feature uses the limit amounts you have defined in Customizing and is available for waivers and write-offs.
This feature enables you to prevent automatic clearing of posted incoming payments or overpayments with open items for the Consumer Loan product category.
This feature enables you to manually adjust the new number of installments or the new installment amount for a partial payoff for the Consumer Loan product category. If you adjust the first, the system adjusts the latter and the reverse applies.
This feature enables you to remove the payment lock manually from FI documents for open items resulting from returned debit memos. You can thus collect automatically any open items and any internal or external charges.
For more information, see SAP Library for SAP ERP on SAP Help Portal at