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Function documentationMaintenance of a Collateral

 

In the item details of a banking customer quote, you can analyze the collateral constellation for a subjected real estate property of the business partner:

  • You can read the existing collateral constellations for the business partner from a connected collateral-managing system. You do this to determine if the existing constellation has some free collateral value that can be used for the current banking customer quote (loan).

  • You can calculate the collateral constellation to identify if the coverage gap is met.

  • You can create collateral details (collateral agreement, charge, and scope) and then calculate the collateral constellation to identify if a coverage gap is met, and store the calculation parameters for the collateral constellation in the banking customer quote.

    Note Note

    To use these functions, ensure that your collateral-managing system meets the requirements needed to transfer the required data.

    End of the note.

The retail loan item in the banking customer quote contains the following assignment blocks for collateral management:

  • Individual valuable

  • Collateral details

  • Calculated collateral constellation

Prerequisites

You have activated the business function CRM-FS, Guided Loan Origination Process (CRM_FS_NBRNWL_1).

  • Your collateral-managing system meets the requirements needed to run the described functions.

  • You have made the settings for collateral management in Customizing for Account Origination under Start of the navigation path Banking Customer Quote Next navigation step Collateral Management Next navigation step Assignment of Asset Types to Collateral Agreement Types End of the navigation path.

Activities

In the Individual Valuable assignment block, you can do the following:

  • You can create individual valuables to be maintained in a collateral-managing system. To do so, you select the relevant category and type supported by the related collateral agreement. Possible categories are real estate or ground vehicle, for example.

    The individual valuable details are displayed with the following fields:

    • Item number

    • Object ID

      Note Note

      The object ID is read from the collateral management system (FS-CMS) only. When you create a new individual valuable, you cannot save an object ID for your individual valuable.

      End of the note.

    • Category

    • Type

    • Market value

    • Currency

    You can click the item number to display the detail page of the individual valuable and the owner details.

  • You can create an individual valuable and link it to a charge in the collateral constellation.

    To do so, you select the relevant category of the individual valuable. Depending on the chosen category, different detail fields are available:

    When you select the category Real Estate, the following parameters are available: type, area measure and its unit, volume measure and its unit, description, and market value.

    When you select the category Ground Vehicle , the following parameters are available: type, vehicle ID, registration number, description, and market value.

    In the Owner Details of the individual valuable, the same business partner is displayed as maintained in the banking customer quote. You can change this assignment by adding new business partners or by deleting existing business partners. An individual valuable must have at least one owner party.

  • You can edit and delete the individual valuable items that have been created in the CRM system.

In the Collateral Details assignment block, you can do the following:

  • You can read a collateral constellation from a collateral-managing system.

    The collateral constellation details are displayed in the following views:

    • Collateral agreement

    • Scope

    • Charge

    The Collateral Agreement details contain the following fields:

    • Item number

    • ID

      Note Note

      The collateral agreement ID is read from the collateral-managing system only. When you create a new collateral agreement, you cannot store an ID for your collateral agreement.

      End of the note.

    • Category

    • Type

    • Description

    • Valid-from/valid-to

    • Agreement amount

    • Collateral value

    • Unit

    The Scope details contain the following fields:

    • RBL ID (receivable ID)

      The receivable ID is the banking customer quote itself.

    • RBL Type (receivable type)

      For scope items created in CRM, the receivable type Offer is available. The receivable type Contract is displayed only for those scopes that are retrieved from a collateral-managing system.

    • CAG ID (collateral agreement ID)

    • CAG Item No. (collateral agreement item number)

    • Valid-to/ Valid-from

    • Portion ID

    • Coverage amount

    • Coverage percentage

    • Free collateral value

    • Unit

    The Charge details contain the following fields:

    • Item number

    • Charge amount

    • Collateral val. ID

    • Individual valuable ID

    • Safety discount percentage

    • Lending rate percentage

    • Linked CAG (linked collateral agreement)

    • Linked individual valuable

    • Market value

    • Unit

    Note Note

    You define the safety discount and the lending rate at asset type level in Customizing (Define Asset Type step in Customizing activity Assignment of Asset Types to Collateral Agreement Types). When you link the individual valuable to the charge, the defined safety discount and lending rate are shown in the Charge details.

    End of the note.

  • You can create a collateral agreement. To do so, enter the following parameters: category, type, description, agreement amount, valid-from/valid-to.

    In the Collateral Giver Details of the collateral agreement, you can create the required business partner. A collateral agreement must have at least one collateral giver.

  • You can create exactly one scope for the collateral constellation. To do so, enter the following parameters: receivable, information about the related collateral agreement, coverage amount or coverage percentage.

  • You can create a charge for the collateral agreement. To do so, assign the following parameters: item number for the related collateral agreement, item number for the related individual valuable, and a charge amount.

  • You can edit and delete the collateral agreement, scope, and charge items that have been created in the CRM system.

In the Calculated Collateral Constellation assignment block, you can calculate collateral constellations by doing the following:

  • You select the relevant collateral agreement for the calculation by selecting a row in the Collateral Agreement view of the Collateral Details assignment block.

  • You calculate the collateral constellation by choosing the Calculate Constellation button in the Calculated Collateral Constellation assignment block. The calculation result is displayed in the Calculated Collateral Constellation assignment block.

  • You return to the banking customer quote overview page and save the banking customer quote so that the new collateral constellation parameters are stored in the banking customer quote.

After you have saved the banking customer quote, the calculation relevant parameters are displayed in the collateral agreements, charge and scope view of the Collateral Constellation assignment block.

The collateral constellation read from the collateral-managing system is not persisted in SAP CRM and therefore it will not be displayed once the banking customer quote is saved. If you want to view this constellation again, then you must recalculate the collateral constellation.