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Amending
Transaction TRTAME
This transaction enables the user to increase the Loan amount, amend the validity of the loan or to amend any loan details.
The user can select whether interest shall be capitalized, to be charged at the time of amendment or at maturity of the loan.
In case of an amendment of the loan, the following options are available via the checkbox “Interest Option”:
- Settle until today - This is the default setting and the only available option in case of a complete repayment. The interest is calculated until the current date (today).
- Capitalize interest until today - Only the “Amount Repaid” is paid back. The already accrued interest are calculated until today and are added to the credit. For this reason, the “Amount Repaid” of the credit is reduced by the interest accrued until today.
- Settle at due date - Interest will only be calculated, if the due date has been reached. If the due date has not been reached yet, only the “Amount Repaid” will be booked out.
- Capitalize interest and fees - Only the “Amount Repaid” is paid back. The already accrued interest are calculated until today and are added to the credit. Already accrued fees which are stored in the fee pool are also added to the credit. For this reason, the “Amount Repaid” of the credit is reduced by the interest and fees accrued until today.
- Capitalize fees - No interest will be calculated, but the currently settled fees are added to the credit and interest has to be paid from now on.
- Repay interest first, then capital - From today on, interest will be charged. The “Amount Repaid” is the available amount, from which the interest is being paid of. In all other cases, the “Amount Repaid” is the amount, by which the credit is settled. Interest and costs can be debited additionally, as the case may be.
Decrease of the loan will be handled in transaction Repaying a Loan (TRTSET).
Past Due
Once the loan goes to Past Due Loan stage, the loan amount cannot be changed. However, maturity date will be allowed to be extended. Also, all the past due related diaries will be set to done.
Requirements
An existing Loan contract which is open and not closed.
Loan may not be repaid in full.
For incoming allNETT / RIVO messages see Overview of Incoming messages - allNETT / RIVO.
Transaction Control
Fees
None
Commissions
Results of this Transaction
Diaries
For more information see TRNDIA Diaries.
| Action | Description | Diary | Follow-up Transaction | Comment |
|---|---|---|---|---|
| Replace | Repayment Notice of “Finance Type” | New Due Date - 5 Working Days | Repaying a Loan | If “New Due Date” is filled |
| Create or Replace | End of Rollover period | 2 Working Days before Interest Due Date | Amending | If “Roll-Over Financing” is newly set, the diary is created otherwise the existing diary is updated. The “Interest Due Date” must be earlier then the “New Due Date” |
| Replace | Past Due of “Finance Type” | Contract is at the Past Due stage (Maturity + Grace days if any) | Past Due Loan | If contract is not repaid before the maturity date. |
Updating/Storing of Amounts (CBS)
Liability (LIA)
If a contract is amended (maturity extended) after it went to past due status, its liability will be re-instated to 'Financing'.
Outgoing Correspondence
Details on creation of messages can be found under DOCEOT Messages. For outgoing allNETT / RIVO messages see Overview of Outgoing messages - allNETT / RIVO.
| Name of Message | Receiver | Message ID | SWIFT | TCO | DTA/DTE | Comment |
|---|---|---|---|---|---|---|
| Amendment | Financed party | TRTFIPL1 |
Release
Source in Transaction
Transaction Panels
Amendment
Shipment Details
Interest Details
Liability
Settlement Details
Settlement
Bookings
DTAEA Fields
DTALC Fields
Completion
Incoming Tag 72/79
Messages
Compliance
Attachments
Cash Cover
Fee Conditions
DTAG Fields
Interest Details
Amendment
Datafields
| Datafield | Description |
|---|---|
| Own Reference | cf Appendix A, Table TRD field OWNREF |
| Parent Reference | cf Appendix A, Table TRD field PNTREF |
| Provide Shipment Details | cf Appendix A, Table TRD field SHPFLG |
| % Financed | cf Appendix A, Table TRD field PCTFIN |
| Roll-Over Financing | cf Appendix A, Table TRD field ROLOVRFLG |
| Type of Financing | cf Appendix A, Table TRD field FINTYP |
| Special type of financing | cf Appendix A, Table TRD field FINSUBTYP |
| Type of risk | cf Appendix A, Table TRD field FINRSKTYP |
| Recourse Flag | cf Appendix A, Table TRD field FINRECFLG |
| Currency | cf Appendix A, Table CBB field CUR |
| Maximum Amount | cf Appendix A, Table CBB field AMT |
| Currency | cf Appendix A, Table CBB field CUR |
| Open Amount | cf Appendix A, Table CBB field AMT |
| Start Date Tenor | cf Appendix A, Table TRD field STTTENDAT |
| Maturity Date | cf Appendix A, Table TRD field MATDAT |
| Name | cf Appendix A, Table PTS field NAM |
| Reference for Address (Optional) | cf Appendix A, Table PTS field REF |
| Past Due Stage | cf Appendix A, Table TRD field PSTDUESTG |
| Currency | cf Appendix A, Table CBB field CUR |
| Amendment Amount | This field contains the amendment amount of the contract. |
| New Nominal Amount | This field contains the new nominal amount. This is calculated by adding the amendment amount to the old nominal amount. |
| Responsible User | cf Appendix A, Table TRD field OWNUSR |
Shipment Details
Datafields
| Datafield | Description |
|---|---|
| Shipment from | cf Appendix A, Table TRD field SHPFRO |
| Port of Loading | cf Appendix A, Table TRD field PORLOA |
| Port of Discharge | cf Appendix A, Table TRD field PORDIS |
| For Transportation to | cf Appendix A, Table TRD field SHPTO |
| Transport Document Type | cf Appendix A, Table TRD field TRPDOCTYP |
| Transport Document Number | cf Appendix A, Table TRD field TRPDOCNUM |
| Date of Transport Document | cf Appendix A, Table TRD field TRADAT |
| Mode of Transport | cf Appendix A, Table TRD field TRAMOD |
| Vessel Name | cf Appendix A, Table TRT field VESNAM |
| Identification of Goods | cf Appendix A, Table TRT field ROGGOD |
| Incoterm Version | cf Appendix A, Table TRD field INCTRMVER |
| Incoterm Code | cf Appendix A, Table TRD field INCTRMCOD |
Interest Details
Datafields
| Datafield | Description |
|---|---|
| Cash Base | cf Appendix A, Table TRD field CSHRAT |
| Liquidity costs | cf Appendix A, Table TRD field LQDRAT |
| Our margin | cf Appendix A, Table TRD field OWNRAT |
| Pastdue Margin | cf Appendix A, Table TRD field PDURAT |
| Interest Start Date | cf Appendix A, Table TRD field BEGINTDAT |
| Interest Due Date | cf Appendix A, Table TRD field ENDINTDAT |
| Grace Days | cf Appendix A, Table TRD field GRADAY |
| Roll-Over Financing | cf Appendix A, Table TRD field ROLOVRFLG |
| Cash Base | cf Appendix A, Table TRD field CSHRAT |
| Liquidity costs | cf Appendix A, Table TRD field LQDRAT |
| Our margin | cf Appendix A, Table TRD field OWNRAT |
| Fixed price for total maturity | Alternative fixed amount for the total term to maturity. (instead of an interest rate for 'Our margin') |
| Total interest rate | Sum of interest costs + liquidity costs + our margin The total interest rate used to calculate the commission. |
| Pastdue Margin | cf Appendix A, Table TRD field PDURAT |
| Pastdue Total Interest rate | Sum of ('Cash Base' + 'Liquidity Cost' + 'Past Due Margin'). The Total Interest rate used to calculate Past due commission. |
| Interest Start Date | cf Appendix A, Table TRD field BEGINTDAT |
| Interest Due Date | cf Appendix A, Table TRD field ENDINTDAT |
| Grace Days | cf Appendix A, Table TRD field GRADAY |
Compliance
DTAG Fields
Interest Details
