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{"sheet":" Version history","index":0,"n_rows":18,"n_cols":3,"rows_kept":18,"cut":false,"hidden":false,"merged":[[0,0,0,2],[8,0,9,0],[8,1,9,1]]}
[" Version history"]
[]
["Version","Date","Description"]
["1.0","6 Feb. 2023","New document published."]
["1.1","20 March 2023","Updated version containing the processing rules and error codes for requesting a credit register extract, and some technical specifications."]
["1.2","9 June 2023","An updated version including new error situations and technical specifications."]
["1.3","4 Jan. 2024","An updated version including new error situations and technical specifications."]
["1.4","13 March 2024","An updated version including new error situations and technical specifications."]
["1.5","29 Jan. 2025","An updated version including new error situation: Leasing contracts concluded with consumers are reported to the Positive credit register. Leasing contracts concluded with natural persons other than consumers may not be reported to the register."]
[null,null,"If the loan type is ‘leasing’ and if ‘Other than consumer credit’ has been submitted for Loan as referred to in Consumer Protection Act, an error message C40 is generated. The change will take effect on 29 Jan. 2025 (New loans API & Changes to loans API)"]
["1.6","24 Apr. 2025","An updated version with new error situations. The processing rules added concern the checking of the purpose of use of a lump-sum loan based on code value 'Loan as referred to in Consumer Protection Act' reported for the loan:\n\nIf the loan type is ‘leasing’ and if ‘Other than consumer credit’ has been submitted for Loan as referred to in Consumer Protection Act, the loan’s allowed purposes of use are:\n- Other loan (OtherLoan) - Use is not allowed in the first stage of the register.\n- Loan for operation of business (LoanForBusinessActivities) - Use is not allowed in the first stage of the register.\n- Guarantee receivable for a student loan (GuaranteeReceivable)\n\nIf some other loan type has been reported, an error message C40 is generated. \n\nThe change will take effect on 23 Apr. 2025 (New loans API & Changes to loans API)\n_________________________________________________________________________\n\nIf the value reported for Loan as referred to in Consumer Protection Act is 'Consumer credit (chapter 7)' or 'Consumer credit linked to residential property (chapter 7 a)', then the allowed purposes of use are:\n- Home loan (HomeLoan)\n- Home loan for first home (HomeLoanForFirstHome)\n- Home loan for leisure house (HomeLoanForLeisureHouse)\n- Home loan for investment purposes (HomeLoanForInvestmentPurposes)\n- Student loan (StudentLoan)\n- Consumer credit for the purchase of a vehicle or craft (LoanForPurchaseOfVehicleOrCraft)\n- Other consumer credit (OtherConsumerCredit)\n\nIf some other value has been reported as the purpose of use, an error message C40 is generated. \n\nThe change will take effect on 23 Apr. 2025 (New loans API & Changes to loans API)"]
["1.7","18 June 2025","An update version including new processing rules for end of loan contract API. Processing rules are related to report types cancellation of a loan and error correction. The changes to the processing rules have been communicated 18.12.2024.\n\nIf the credit has previously been reported cancelled and the value \"cancellation of credit\" has been reported for the report type, error message E17 is generated.\n\nIf the value \"new report\" or \"cancellation of a loan\" for the report type and the value false for Loan contract has been terminated has been reported, error message E14 is generated. \n\nThe changes will take effect on 18.6.2025."]
["2.0","1 Dec. 2025","An updated version with new error situations regarding stage 2 of the register. The processing rules added concern the borrower’s Business ID and the right to report certain purposes of use for credit register extracts. "]
["2.1.","1 Apr. 2026","An updated version including new processing rules to Changes to loan contract information, Payment trasactions and Delayed amount APIs. \nThe changes to the processing rules have been communicated 2.12.2025.   \nChanges are following: \n\nChanges to loans API\nFollowing error messages related to the reporting Amount of loan balance for a running account loan have been added to the processing rules:\nD00 Balance cannot be negative.\nC11 Balance is in an incorrect format. \nB01 Balance is missing. This data element is required if BalanceDate is specified.\n\nas well as error messages related to the Value date for the amount of loan balance:\nB01 Balance is missing. This data element is required if BalanceDate is specified.\nC20 BalanceDate is in an incorrect format.\nD20 BalanceDate may not be earlier than 1 January 1900. \nD22 BalanceDate may not be in the future. \n\nNew processing rule and error messages related to loan type:\nD50 LoanType can be Guarantee receivable for a student loan only if the batch owner is Kela.\n\nLump-sum loan – New processing rule and error message for the loan's purpose of use:\nD50 PurposeOfUse may be Guarantee Receivable only if the Loan Type is Guarantee Receivable.\n\nNew processing rules will take effect April 1, 2026."]
["2.1.",null,"The changes to the processing rules have been communicated 2.12.2025.\n\nPayment transactions API\nFollowing error messages related to the reporting Date of payment for a lump-sum loan have been added to the processing rules: \nB01 PaymentDate is missing.This is a required data element if one of the following data elements is reported:\n-AmortizationPaid \n-InterestPaid \n-OtherExpenses  \nC20 PaymentDate is in an incorrect format.\nB11 The value for AmortizationPaid, InterestPaid or OtherExpenses is missing.One of these data elements is required if the payment date is given in the report.\n-AmortizationPaid \n-InterestPaid \n-OtherExpenses \n\nNew processing rules will take effect April 1, 2026."]
["2.1.",null,"The changes to the processing rules have been communicated 2.12.2025.\n\nDelayed amounts API\nFollowing error messages related to the reporting Original due date of the delayed instalment have been added:\nD22 OriginalDueDate may not be earlier than 60 days from today.\nD22 OriginalDueDate may not be earlier than the date when the loan contract was signed.\n\nThe blue font indicates the processing rules that will come into effect in production environment in the future.\n\nNew processing rules will take effect April 1, 2026."]
["2.1.",null,"The changes to the processing rules have been communicated 2.12.2025.\n\nNew loans API:\nNew processing rule and error messages related to loan type:\nD50 LoanType can be Guarantee receivable for a student loan only if the batch owner is Kela.\n\nLump-sum loan – New processing rule and error message for the loan's purpose of use:\nD50 PurposeOfUse may be Guarantee Receivable only if the Loan Type is Guarantee Receivable.\n\nNew processing rules and error messages for loan number:\nE00 The loan number is already in the register. IsTransferredToAnotherLender is false.\nE00 The loan number is already in the register. IsTransferredFromAnotherLender is false.\nE00 The loan number is already in the register. The IdCode is incorrect.\n\nNew processing rules will take effect April 1, 2026.\n"]
["2.1.",null,"The changes to the processing rules have been communicated 27.2.2026.\n\nUpdated new processing rule and error message for the New loan API:\n\nLoan type:\nC40 LoanType must be the same as in the loan contract information saved in the register. \n\nNew processing rules will take effect April 1, 2026."]

{"sheet":"How to read the table","index":1,"n_rows":2,"n_cols":1,"rows_kept":2,"cut":false,"hidden":false,"merged":[]}
["Instructions on how to read the processing rules and error codes"]
["The processing rules and error codes related to different APIs are presented on their own tabs as follows:\n\n1. Data content of a batch\n2. New loans API\n3. Changes to loans API\n4. Payment transactions API\n5. Delayed amounts API\n6. End of loan contract API\n7. Checking loan data API\n8. API for requesting a credit register extract\n\nColumn A contains a keyword that helps the user to navigate in the table.\n\nColumn B contains a rule associated with the data field, indicating whether the field is required or optional.\n\nColumn C contains the processing rules associated with the data field, each on its own line.\n\nColumn D contains an error code generated in the case of an error.\n\nColumn E contains an error description.\n\nThe Incomes Register Unit reserves the right to make changes."]

{"sheet":"1 Batch content","index":2,"n_rows":28,"n_cols":5,"rows_kept":28,"cut":false,"hidden":false,"merged":[]}
["Keyword","P = Required\nV = Optional\nE = Conditional","Processing rule","Error code","Error description"]
["Undefined error",null,"If an undefined error occurs as the batch is being delivered, an error message is generated.\n","A00","A system error occurred. Please try again later."]
["JSON structure error",null,"If the JSON structure of the batch or reports is invalid and does not match the API schema message, an error message is generated.\n","A10","The JSON file is incorrectly formed. The file must conform to the API schema."]
["Internal system error",null,"If an internal system error occurs as the batch is being delivered, an error message is generated.\n\n","A20","A system error occurred. Please try again later."]
["Batch size",null,"The batch size limitations are defined in the general instructions for application developers (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the batch is larger than the maximum size allowed, an error message is generated.\n","A30","The batch size is too large."]
["Batch size",null,"A batch can contain at most 10,000 reports.\n\nIf the batch contains more than 10,000 reports, an error message is generated.","D31","Batch cannot contain more than 10,000 elements."]
["General - Unknown data field",null,"Only data fields mentioned in the API description may be reported in the API. If a report includes a data field that is not mentioned in the API description, an error is generated.","B02","X is an unknown data field. "]
["Target environment","P","The target environment is required data. Permissible code values:\n- Test environment (Test)\n- Production environment (Production)\n\nIf some other value has been reported for the target environment, an error message is generated.\n","C40","The code value for TargetEnvironment is invalid.\n\n"]
["Target environment",null,"If no target environment has been reported, an error message is generated.\n","B00","TargetEnvironment is missing. This is a required data element."]
["Batch reference","P","The batch reference is required data. The batch reference must be unique. \n\nIf the lender has previously used the same batch reference and it is found in the register, an error message is generated.\n","E00","The BatchReference is already in the register. The data element must be unique.\n\n"]
["Batch reference",null,"If no batch reference has been reported, an error message is generated.\n","B00","BatchReference is missing. This is a required data element.\n"]
["Batch reference",null,"The characters allowed in string-type data are defined in the document Reporting data on loan contracts – API description (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the format of Batch reference is invalid, an error message is generated.\n","C30","BatchReference contains forbidden characters. Check the allowed characters in the API description.\n\n"]
["Batch reference",null,"If the batch reference contains more than 64 characters, an error message is generated.\n","D11","BatchReference is too long. The maximum number of characters is 64.\n\n"]
["Batch owner – Type of ID code","P","The type of batch owner ID code is required data. Permissible code values:\n- Business ID (BusinessId)\n- Foreign business ID (ForeignBusinessId)\n\nIf some other value has been reported for the type of batch owner ID code, such as a personal identity code, an error message is generated.\n","C40","The code value for IdCodeType is invalid."]
["Batch owner – Type of ID code",null,"If the type of batch owner ID code has not been reported, an error message is generated.\n","B00","IdCodeType is missing. This is a required data element.\n"]
["Batch owner – ID code","P","The batch owner’s ID code must match the certificate identifier.\n\nIf the batch owner’s ID code is not the same as the certificate identifier, an error message is generated.\n","F01","The certificate identifier must be the same as the owner’s IdCode.\n\n\n\n"]
["Batch owner – ID code",null,"The batch owner’s API access right is checked as the batch is being delivered.\n\nIf the batch owner does not have access right, an error message is generated.\n","F00","Owner does not have API user rights. "]
["Batch owner – ID code",null,"If the batch owner’s ID code has not been reported, an error message is generated.\n","B00","IdCode is missing. This is a required data element."]
["Batch owner – ID code",null,"If the certificate contains a country code that does not match the combination of business ID and country code in the register, an error message is generated.\n","E01","The combination of the business ID and country code contained in the certificate is not found in the register. \n\n"]
["Batch owner – ID code",null,"The characters allowed in string-type data are defined in the document Reporting data on loan contracts – API description (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the format of Foreign business ID is invalid, an error message is generated.\n","C30","IdCode contains forbidden characters. Check the allowed characters in the API description.\n\n"]
["Batch owner – ID code",null,"If the foreign business ID contains more than 64 characters, an error message is generated.\n","D11","IdCode is too long. The maximum number of characters is 64."]
["Batch owner – Country code","E","If no country code has been reported, an error message is generated.\n","B01 ","CountryCode is missing. This data element is required if Type of ID code is Foreign business ID.\n"]
["Batch owner – Country code",null,"If the country code contains more than 2 characters, an error message is generated.\n","D11","CountryCode is too long. The maximum number of characters is 2."]
["Batch owner – Country code",null,"If the country code contains less than 2 characters, an error message is generated.\n","D10","CountryCode is too short. The minimum number of characters is 2."]
["Batch owner – Country code",null,"If the type of batch owner’s ID code is other than ‘foreign business ID’, the country code must match the country code in the certificate.\n\nIf the batch owner’s country code is not the same as the country code in the certificate, an error message is generated.\n","F01","CountryCode of the owner must be the same as the country code in the certificate. \n"]
["Batch – Contains various types of reports related to loans",null,"Each API may be used only to submit reports related to the API in question.\n\nIf the batch contains various types of reports related to loans (new loan, change to loan contract information, payment transaction, delayed amount or end of a loan contract), an error message is generated.\n","B02","X is an unknown data field."]
["Processing response – Batch reference of requested item ","P","The batch reference of requested item is required data.\n\nIf no batch reference has been reported for the requested item, an error message is generated.\n","B00","BatchReference is missing. This is a required data element."]
["Processing response – Batch reference of requested item ",null,"If no batch is found in the register with the batch reference of requested item, an error message is generated.\n","E01","No batch was found with the BatchReference."]

{"sheet":"2 New loans API","index":3,"n_rows":213,"n_cols":5,"rows_kept":213,"cut":false,"hidden":false,"merged":[]}
["Keyword","P = Required\nV = Optional\nE = Conditional","Processing rule","Error code","Error description"]
["General – Report on a new loan – Minimum number of subelements",null,"At least one new loan must be reported in the batch. The maximum size of the batch can be checked in the general instructions for application developers. \n\nIf not a single report on a new loan is included in the batch, an error message is generated.\n","D30","Loans must contain at least 1 element.\n\n\n"]
["General - Unknown data field",null,"Only data fields mentioned in the API description may be reported in the API. If a report includes a data field that is not mentioned in the API description, an error is generated.","B02","X is an unknown data field. "]
["Report reference","P","The report reference is required data. Each report reference in the batch must be unique.\n\nIf no report reference has been given, an error message is generated.\n","B00","ReportReference is missing. This is a required data element."]
["Report reference",null,"If the batch contains several reports with the same report reference, an error message is generated.\n","E00","You cannot give the same ReportReference in the batch more than once."]
["Report reference",null,"The characters allowed in string-type data are defined in the document Reporting data on loan contracts – API description (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the format of Report reference is invalid, an error message is generated.\n","C30","ReportReference contains forbidden characters. Check the allowed characters in the API description."]
["Report reference",null,"If the report reference contains more than 64 characters, an error message is generated.\n","D11","ReportReference is too long. The maximum number of characters is 64."]
["Type of loan number","P","The type of loan number is required data. Permissible code values:\n- IBAN number (Iban)\n- BBAN number (Bban)\n- Other loan number (Other)\n\nIf some other value has been reported for the type of loan number, an error message is generated.\n","C40","The code value for Type is invalid. "]
["Type of loan number",null,"If the type of loan number has not been reported, an error message is generated.\n","B00","Type is missing. This is a required data element. \n"]
["Loan number ","P","The loan number is required data.\n\nIf the lender has previously used the same loan number and it exists in the system either as active or cancelled, an error message is generated.","E00","The loan number is already in the register. The data element must be unique."]
[null,null,"If the lender has previously used the same loan number and it exists in the system as terminated but information about transferring the loan to another lender is missing from the loan, an error message is generated.","E00","The loan number is already in the register. IsTransferredToAnotherLender is false."]
[null,null,"If the lender has previously used the same loan number and it exists in the system as terminated but information about the loan transferring from another lender is missing from the report, an error message is generated.","E00","The loan number is already in the register. IsTransferredFromAnotherLender is false."]
[null,null,"If the lender has previously used the same loan number and it exists in the system as terminated but the borrower's ID code does not match the ID code in the system, an error message is generated.","E00","The loan number is already in the register. The IdCode is incorrect."]
["Loan number ",null,"If no loan number has been reported, an error message is generated.\n","B00","Number is missing. This is a required data element.\n"]
["Loan number ",null,"The characters allowed in string-type data are defined in the document Reporting data on loan contracts – API description (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the format of Loan number is invalid, an error message is generated.\n","C30","Number contains forbidden characters. Check the allowed characters in the API description."]
["Loan number ",null,"If the loan number contains more than 64 characters, an error message is generated.\n","D11","Number is too long. The maximum number of characters is 64"]
["Lender is a peer-to-peer loan broker   ","E","Information that the lender is a peer-to-peer loan broker is a required data element if the date of conclusion is the same or later than the date of rollout (1 February 2024). If the date of conclusion is earlier than 1 February 2024, the data element is optional.\n\nIf the date of conclusion is earlier than 1 February 2024, the value reported in the field can be ‘true’, ‘false’ or ‘null’.\n\nIf the date of conclusion is 1 February 2024 or after, the value reported in the field must be ‘true’ or ‘false’.\n\nIf the date of conclusion is 1 February 2024 or after but the data element has not been reported, an error message is generated.\n","B01","IsPeerToPeerLoanBroker is missing. This data element is required if the date of contract conclusion is the same or later than the date of the Positive credit register rollout (1 February 2024)."]
["Lender is a peer-to-peer loan broker   ",null,"If the format of Lender is a peer-to-peer loan broker is invalid, an error message is generated.\n","C00","The data element IsPeerToPeerLoanBroker is in an incorrect format."]
["Lender’s name for marketing purposes       ","P","The lender’s name for marketing purposes is a required data element.\n\nIf the lender’s name for marketing purposes has not been reported, an error message is generated.\n","B00","LenderMarketingName is missing. This is a required data element."]
["Lender’s name for marketing purposes       ",null,"The characters allowed in string-type data are defined in the document Reporting data on loan contracts – API description (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the format of Lender’s name for marketing purposes is invalid, an error message is generated.\n","C30","LenderMarketingName contains forbidden characters. Check the allowed characters in the API description."]
["Lender’s name for marketing purposes       ",null,"If the lender’s name for marketing purposes contains more than 64 characters, an error message is generated.\n","D11","LenderMarketingName is too long. The maximum number of characters is 64."]
["Number of debtors ","P","The number of debtors is required data. The number must be an integer and equal to or more than 1. The number of debtors includes both debtors who have a Finnish personal identity code and debtors who do not have a Finnish personal identity code.\n\nIf the number of debtors has not been reported, an error message is generated.\n","B00","BorrowersCount is missing. This is a required data element."]
["Number of debtors ",null,"If the number of debtors is negative or 0, an error message is generated.\n","D00","The value for BorrowersCount must be at least 1."]
["Number of debtors ",null,"The number of debtors may not be smaller than the number of personal identity codes reported as borrowers. \n\nIf the number of debtors is smaller than the number of personal identity codes reported as borrowers, an error message is generated.\n","E40","BorrowersCount may not be smaller than the number of elements in Borrowers. \n"]
["Number of debtors ",null,"If the format of Number of debtors is invalid, an error message is generated.\n","C10","BorrowersCount is in an incorrect format. "]
["Date of conclusion ","E","The date of conclusion is required data if the report is generated on or after 1 April 2026.\n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC. The date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the report is generated on or after 1 April 2026 but the date of conclusion is not reported, an error message is generated.\n","B01","ContractDate is missing. This is a required data element if the report has been generated on or after 1 April 2026."]
["Date of conclusion ",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the date of conclusion is earlier than 1 January 1900, an error message is generated.\n","D20","ContractDate may not be earlier than 1 January 1900. "]
["Date of conclusion ",null,"If the format of Date of conclusion is invalid, an error message is generated.\n","C20","ContractDate is in an incorrect format. \n"]
["Currency code","P","The currency code is required data. The currency must be reported as a 3-letter code according to ISO 4217 (e.g. EUR or USD).\n\nIf no currency code has been reported, an error message is generated.\n","B00","CurrencyCode is missing. This is a required data element."]
["Currency code",null,"If the currency code is not found in the codeset, an error message is generated.\n","C40","The code value for CurrencyCode is invalid."]
["One-time service fees payable when a loan contract is concluded","V","In stage 2 of the register the data field has been changed to be technically optional. The one-time service fees must be reported as a decimal and be equal to or more than 0.\n\nIf the value reported for One-time service fees payable when a loan contract is concluded is less than 0, an error message is generated.\n","D00","OneTimeServiceFees cannot be negative. \n\n\n"]
["One-time service fees payable when a loan contract is concluded",null,"If the format of One-time service fees payable when a loan contract is concluded is invalid, an error message is generated.\n","C11","OneTimeServiceFees is in an incorrect format. \n\n"]
["Loan type ","P","The loan type is required data. Permissible code values:\n- Lump-sum loan (LumpSumLoan)\n- Running-account loan (RunningAccountLoan)\n- Leasing (Leasing)\n- Guarantee receivable for a student loan (GuaranteeReceivable)\n\nThe loan type can be ‘guarantee receivable for a student loan’ only if the batch owner is Kela. Kela may not report other types of loans.\n\nIf other than a permissible code value has been reported for loan type, an error message is generated.\n","C40","The code value for LoanType is invalid."]
[null,null,"If the lender reports the same loan back to the register with the same loan number less than 26 months after it was reported as terminated and transferred (e.g. due to an intra-group transfer), the loan type must be reported using the same code value as for the same loan previously reported as terminated.\n\nIf the loan type specified is different from the loan type stored in the loan details in the register, an error message is generated.","C40","LoanType must be the same as in the loan contract information saved in the register. "]
["Loan type ",null,"If no loan type has been reported, an error message is generated.\n","B00","LoanType is missing. This is a required data element."]
[null,null,"If the batch owner is not Kela but the reported loan type is ‘guarantee receivable for a student loan’, an error message is generated.","D50","LoanType can be Guarantee receivable for a student loan only if the batch owner is Kela."]
["Loan with collateral","E ","Loan with collateral is a required data element if the loan type is ‘lump-sum loan’, ‘running-account loan’ or ‘guarantee receivable for a student loan’.\n\nThe value entered in the field can be ‘true’ or ‘false’.\n\nIf the loan type is ‘lump-sum loan’, ‘running-account loan’ or ‘guarantee receivable for a student loan’ but no value has been reported for Loan with collateral, an error message is generated.\n","B00","The data element IsLoanWithCollateral is missing. This is a required data element."]
["Loan with collateral",null,"If the format of Loan with collateral is invalid, an error message is generated.\n","C00","The data element IsLoanWithCollateral is in an incorrect format."]
["Loan with collateral",null,"No value may be reported for Loan with collateral if the loan type is ‘leasing’.\n\nIf the loan type is ‘leasing’ and a value has been reported for Loan with collateral, an error message is generated.\n","B02","IsLoanWithCollateral is an unknown data field. \n"]
["Transferred from another lender \n","V","Information that the loan has been transferred from another lender is an optional data element. The value entered in the field can be ‘true’, ‘false’ or ‘null’.\n\nIf the format is invalid, an error message is generated.\n","C00","The data element IsTransferredFromAnotherLender is in an incorrect format."]
["Borrowers – General – Maximum number",null,"The list of borrowers must contain every borrower with a Finnish personal identity code. The maximum number of borrowers is 64.\n\nIf the list contains more than 64 borrowers, an error message is generated.\n","D31","You cannot report more than 64 borrowers."]
["Borrowers – General – Minimum number",null,"At least 1 borrower must be reported for each loan.\n\nIf not a single borrower has been reported for the loan (list with no elements), an error message is generated.\n","D30","Borrowers must contain at least 1 element.\n"]
["Borrowers – Type of ID code","P","The type of borrower ID code is required data. Permissible code value:\n- Personal identity code (PersonalIdentityCode)\n\nIf some other value has been reported for the type of borrower ID code, such as a Business ID or a foreign business ID, an error message is generated.\n","C40","The code value for IdCodeType is invalid."]
["Borrowers – Type of ID code",null,"If the type of ID code is not reported, an error message is generated.\n","B00","IdCodeType is missing. This is a required data element."]
["Borrowers – ID code","P ","The borrower’s ID code is required data. The ID code must be in the personal identity code format and it must be found in the register. The same ID code can be reported as a borrower in the same loan only once.\n\nIf no ID code has been reported, an error message is generated.\n","B00","IdCode is missing. This is a required data element."]
["Borrowers – ID code",null,"The borrower’s ID code must consist of 11 characters.\n\nIf the ID code contains less than 11 characters, an error message is generated.\n","D10","IdCode is too short. The minimum number of characters is 11."]
["Borrowers – ID code",null,"If the format of ID code is invalid, an error message is generated.\n","E21","The identifier is invalid. "]
["Borrowers – ID code",null,"The allowed characters are:\n- letters ABCDEFHJKLMNPRSTUVWXY\n- numbers 0–9\n- symbols + and -\n\nIf the ID code contains characters that are not allowed, an error message is generated.\n","C50","The identifier contains characters that are not allowed. The allowed characters are letters ABCDEFHJKLMNPRSTUVWXY, numbers 0–9 and symbols + and -. \n"]
["Borrowers – ID code",null,"The ID code must be in the format DDMMYYXNNNC, where \n- DDMMYY = date of birth\n- X = sign indicating the century of birth (‘+’ = 1800-1899,  '-', Y, X, W, V, U = 1900-1999 or A, B, C, D, E, F = 2000-2099)\n- NNN = running number 002–899 (even for females, odd for males)\n- C = calculated control character, which is a number 0-9 or a capital letter A-Y (not G, I, O, Q).\n\nIf the format of the ID code is invalid, an error message is generated.\n","C50","The format of the identifier is invalid. The identifier must be in the format DDMMYYXNNNC."]
["Borrowers – ID code",null,"If the date of birth in the ID code is a date that does not exist (e.g. 300299), an error message is generated.\n","C50","The format of the identifier is invalid. The date of birth must be an actual date."]
["Borrowers – ID code",null,"Identifiers not found in the register will be checked with DVV.\n\nIf an identifier is not found in the register, an error is generated.\n\n","E20","IdCode not found in the register. Please submit your report again in one week."]
["Borrowers – ID code",null,"If an identifier is not found through a request submitted to DVV, an error is generated.\n\n","E21","The identifier is invalid."]
["Borrowers – ID code",null,"If the ID code has been reported as a borrower in the same loan more than once, an error message is generated.\n","E23","You cannot give the same borrower IdCode more than once. \n\n"]
["Borrowers - Borrower’s Business ID ","V","Borrower’s Business ID is optional data. The borrower’s Business ID must be in format 1234567-8. \n\nIf the format is invalid, an error message is generated.\n","C50","The format of the BorrowerBusinessId is invalid."]
["Borrowers - Borrower’s Business ID ",null,"If the same Business ID has been reported for more than one borrower, an error message is generated.\n","E25","The same borrower’s Business ID cannot be reported more than once."]
["Borrowers - Borrower’s Business ID - Consumer Protection Act",null,"The borrower’s Business ID may not be submitted if the value entered for Loan as referred to in Consumer Protection Act is one of the following: \n- Consumer credit (chapter 7) \n- Consumer credit linked to residential property (chapter 7 a)\n\nIf the borrower’s Business ID has been reported for a consumer credit, an error message is generated. \n","E26","The borrower’s Business ID may not be submitted if the loan is a consumer credit."]
["Payment plan in a debt arrangement","V","Information that the loan issued to the borrower is included in a payment plan in a debt arrangement is an optional data element. The value entered in the field can be ‘true’, ‘false’ or ‘null’.\n\nIf the format is invalid, an error message is generated.\n","C00","The data element IsInDebtArrangement is in an incorrect format."]
["Business restructuring program","V","Information that the loan issued to the borrower is included in a business restructuring program is an optional data element.  The value entered in the field can be ‘true’, ‘false’ or ‘null’.\n\nIf the format is invalid, an error message is generated.\n","C00","The data element IsInBusinessRestructuringProgram is in an incorrect format."]
["Gross income","V","Gross income is optional data. The gross income is reported as monthly income, and the amount must be equal to or more than 0.\n\nIf the gross income is less than 0, an error message is generated.\n","D00","GrossIncomeOnFile cannot be negative. \n\n\n"]
["Gross income",null,"If the format of Gross income is invalid, an error message is generated.\n","C11","GrossIncomeOnFile is in an incorrect format."]
["Gross income",null,"Gross income established during the lending process may not be reported for a loan included in a private individual's payment plan in a debt arrangement. \n\nIf a loan is included in a payment plan in a debt arrangement and gross income is reported, an error is generated. \n","B11","You must leave the GrossIncomeOnFile data group/field blank if IsInDebtArrangement is true."]
["Gross income",null,"Gross income established during the lending process may not be reported for a loan included in a business restructuring program. \n\nIf a loan is included in a business restructuring program and gross income is reported, an error is generated.\n","B11","You must leave the GrossIncomeOnFile data group/field blank if IsInBusinessRestructuringProgram is true."]
["Net income","V","Net income is optional data. The net income is reported as monthly income, and the amount must be equal to or more than 0.\n\nIf the net income is less than 0, an error message is generated.\n","D00","NetIncomeOnFile cannot be negative. \n\n\n"]
["Net income",null,"If the format of Net income is invalid, an error message is generated.\n","C11","NetIncomeOnFile is in an incorrect format."]
["Net income",null,"Net income established during the lending process may not be reported for a loan included in a private individual's payment plan in a debt arrangement.\n\nIf a loan is included in a payment plan in a debt arrangement and net income is reported, an error is generated.\n","B11","You must leave the NetIncomeOnFile data group/field blank if IsInDebtArrangement is true."]
["Net income",null,"Net income established during the lending process may not be reported for a loan included in a business restructuring program. \n\nIf the loan is included in a business restructuring program and net income is reported, an error is generated.\n","B11","You must leave the NetIncomeOnFile data group/field blank if IsInBusinessRestructuringProgram is true."]
["Loan as referred to in the Consumer Protection Act ","E","Loan as referred to in the Consumer Protection Act is a required data element if the date of conclusion is the same or later than the date of rollout (1 February 2024).\n\nPermissible code values:\n- Consumer credit (chapter 7) (ConsumerCredit)\n- Consumer credit linked to residential property (chapter 7a) (ResidentialPropertyConsumerCredit)\n- Other than consumer credit (OtherThanConsumerCredit)\n\nIf the date of conclusion is earlier than 1 February 2024, the data element is optional.\n\nIf the date of conclusion is 1 February 2024 or after but the data element has not been reported, an error message is generated.\n","B01","LoanConsumerProtectionAct is missing. This data element is required if the date of contract conclusion is the same or later than the date of the Positive credit register rollout (1 February 2024)."]
["Loan as referred to in the Consumer Protection Act ",null,"If other than a permissible code value has been reported for Loan as referred to in Consumer Protection Act, an error message is generated.\n","C40","The code value for LoanConsumerProtectionAct is invalid."]
["Goods or services related credit","E","Goods or services related credit is a required data element if both of the following conditions are met:\n- the date of conclusion is the same or later than the date of rollout (1 February 2024)\n- the value reported for Loan as referred to in Consumer Protection Act is ‘consumer credit (chapter 7)’ or ‘Consumer credit linked to residential property (chapter 7 a)’.\n\nIf either of the two conditions is not met, the element is optional.\n\nThe value entered in the field can be ‘true’ or ‘false’.\n\nIf both the conditions are met but no value has been reported for Goods or services related credit, an error message is generated.\n","B01","IsGoodsOrServicesRelatedCredit is missing. This data element is required if LoanConsumerProtectionAct is specified."]
["Goods or services related credit",null,"If the format of Goods or services related credit is invalid, an error message is generated.\n\n","C00","The data element IsGoodsOrServicesRelatedCredit is in an incorrect format."]
["Lump-sum loan – Data group missing",null,"Lump-sum loan is a required data group if the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’. However, the data group is not reported if the loan is included in one of the following procedures:\n- payment plan in a debt arrangement (IsInDebtArrangement: true)\n- business restructuring program (IsInBusinessRestructuringProgram: true) \n\nIf the loan is not included in either of the above procedures and the Lump-sum loan data group has not been reported, an error message is generated.\n\n","B00","LumpSumLoan is missing. This is a required data group."]
["Lump-sum loan - Payment plan in a debt arrangement",null,"Data included in the LumpSumLoan data group may not be reported for a loan included in a private individual's payment plan in a debt arrangement. \n\nIf a loan is included in a payment plan in a debt arrangement and the LumpSumLoan data group is reported, an error is generated.\n","B11","You must leave the LumpSumLoan data group/field blank if IsInDebtArrangement is true."]
["Lump-sum loan - Business restructuring program",null,"Data included in the LumpSumLoan data group may not be reported for a loan included in a business restructuring program. \n\nIf the loan is included in a business restructuring program and the LumpSumLoan data group is reported, an error is generated.\n","B11","You must leave the LumpSumLoan data group/field blank if IsInBusinessRestructuringProgram is true."]
["Lump-sum loan – Loan’s purpose of use","P ","The loan’s purpose of use is required data if the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’.\n\nIf the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’ but the loan’s purpose of use has not been reported, an error message is generated.\n","B00","PurposeOfUse is missing. This is a required data element."]
[null,null,"If the loan type is ‘guarantee receivable for a student loan’ and the loan's purpose of use is some other than ‘guarantee receivable for a student loan’, an error message is generated","D50","PurposeOfUse may be Guarantee Receivable only if the Loan Type is Guarantee Receivable."]
["Lump-sum loan – Loan’s purpose of use",null,"The loan’s purpose of use may not be reported if the loan type is ‘running-account loan’ or ‘leasing’.\n\nIf the loan type is ‘running-account loan’ or ‘leasing’ and the loan’s purpose of use has been reported, an error message is generated.\n","B02","PurposeOfUse is an unknown data field."]
["Lump-sum loan – Loan’s purpose of use",null,"If data is entered in invalid format, an error is generated.\n","C40","The code value for PurposeOfUse is invalid."]
["Lump-sum loan – Loan’s purpose of use – Other than consumer credit",null,"If the loan type is ‘leasing’ and if ‘Other than consumer credit’ has been submitted for Loan as referred to in Consumer Protection Act, the loan’s allowed purposes of use are:\n- Other loan (OtherLoan)\n- Loan for operation of business (LoanForBusinessActivities)\n- Guarantee receivable for a student loan (GuaranteeReceivable)\n\nIf some other loan type has been reported, an error message is generated. \n","C40","The code value for PurposeOfUse is invalid."]
["Lump-sum loan – Loan’s purpose of use – Consumer credit ",null,"If the value reported for Loan as referred to in Consumer Protection Act is 'Consumer credit (chapter 7)' or 'Consumer credit linked to residential property (chapter 7 a)', then the allowed purposes of use are:\n- Home loan (HomeLoan)\n- Home loan for first home (HomeLoanForFirstHome)\n- Home loan for leisure house (HomeLoanForLeisureHouse)\n- Home loan for investment purposes (HomeLoanForInvestmentPurposes)\n- Student loan (StudentLoan)\n- Consumer credit for the purchase of a vehicle or craft (LoanForPurchaseOfVehicleOrCraft)\n- Other consumer credit (OtherConsumerCredit)\n\nIf some other value has been reported as the purpose of use, an error message is generated. \n","C40","The code value for PurposeOfUse is invalid."]
["Lump-sum loan – Loan’s purpose of use & borrowers business ID",null,"The borrower's Business ID may not be submitted if the loan is a consumer credit.\n\nIf the borrower's Business ID and one of the purposes of use of a consumer credit listed below have been reported for the loan, an error message is generated.\n\n- Home loan (HomeLoan)\n- Home loan for first home (HomeLoanForFirstHome)\n- Home loan for leisure house (HomeLoanForLeisureHouse)\n- Home loan for investment purposes (HomeLoanForInvestmentPurposes)\n- Student loan (StudentLoan) \n- Consumer credit for the purchase of a vehicle or craft (LoanForPurchaseOfVehicleOrCraft)\n- Other consumer credit (OtherConsumerCredit)\n- Guarantee receivable for a student loan (GuaranteeReceivable)\n","E26","The borrower’s Business ID may not be submitted if the loan is a consumer credit."]
["Lump-sum loan – Final due date according to the payment plan ","V","The final due date according to the payment plan is optional data. \n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC. \nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\nThe first possible date is 1900-01-01T00:00:00Z.\nThe last possible date is 9999-12-31T23:59:59Z.\n\nThe information must be given if a final due date has been determined for the payment plan.\n\nIf the format of Final due date according to the payment plan is invalid, an error message is generated.\n","C20","PlannedFinalDueDate is in an incorrect format. \n\n"]
["Lump-sum loan – Final due date according to the payment plan ",null,"The final due date according to the payment plan may not be reported if the loan type is ‘running-account loan’ or ‘leasing’.\n\nIf the loan type is ‘running-account loan’ or ‘leasing’ and the final due date according to the payment plan has been reported, an error message is generated.\n","B02","PlannedFinalDueDate is an unknown data field.\n"]
["Lump-sum loan – Final due date according to the payment plan ",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the final due date according to the payment plan is earlier than 1 January 1900, an error message is generated.\n","D20","PlannedFinalDueDate may not be earlier than 1 January 1900."]
["Lump-sum loan – Repayment method","P ","The repayment method is required data. Permissible code values:\n- Fixed-size amortizations (FixedSizeAmortizations)\n- Fixed-size payments (FixedSizePayments)\n- Annuity (Annuities)\n- Balloon (Balloon)\n- Bullet (Bullet)\n- Other (Other)\n\nIf no repayment method has been reported, an error message is generated.\n","B00","RepaymentMethod is missing. This is a required data element."]
["Lump-sum loan – Repayment method",null,"If other than a permissible code value has been reported for the repayment method, an error message is generated.\n","C40","The code value for RepaymentMethod is invalid."]
["Lump-sum loan – Repayment method",null,"The repayment method may not be reported if the loan type is ‘running-account loan’ or ‘leasing’.\n\nIf the loan type is ‘running-account loan’ or ‘leasing’ and the repayment method has been reported, an error message is generated.\n","B02","RepaymentMethod is an unknown data field.\n"]
["Lump-sum loan – Amortization frequency","E ","The amortization frequency is required data if the repayment method is other than ‘bullet’ or ‘other’. The amortization frequency is reported in months. The amortization frequency must be an integer and equal to or more than 1.\n\nIf the repayment method is ‘bullet’ or ‘other’, the amortization frequency is optional data.\n\nIf the repayment method is other than ‘bullet’ or ‘other’ but the amortization frequency has not been reported, an error message is generated.\n","B01","AmortizationFrequency is missing. This data element is required if RepaymentMethod is X."]
["Lump-sum loan – Amortization frequency",null,"If the value for the amortization frequency is negative or 0, an error message is generated.\n","D00","The value for AmortizationFrequency must be at least 1."]
["Lump-sum loan – Amortization frequency",null,"The amortization frequency may not be reported if the loan type is ‘running-account loan’ or ‘leasing’.\n\nIf the loan type is ‘running-account loan’ or ‘leasing’ and the amortization frequency has been reported, an error message is generated.\n","B02","AmortizationFrequency is an unknown data field.\n"]
["Lump-sum loan – Amortization frequency",null,"If the format of Amortization frequency is invalid, an error message is generated.\n","C10","AmortizationFrequency is in an incorrect format."]
["Lump-sum loan – Amortization frequency",null,"If the repayment method is ‘bullet’ and the amortization frequency has been reported, an error message is generated.\n","B11","You must leave AmortizationFrequency blank if RepaymentMethod is Bullet.\n"]
["Lump-sum loan – Amount issued","P ","The amount issued is required data if the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’. The amount issued must be reported as a decimal and be more than 0.\n\nIf the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’ but the amount issued has not been reported, an error message is generated.\n","B00","AmountIssued is missing. This is a required data element."]
["Lump-sum loan – Amount issued",null,"If the amount issued is negative or 0, an error message is generated.\n","D00","The value for AmountIssued must be greater than 0. \n"]
["Lump-sum loan – Amount issued",null,"The amount issued may not be reported if the loan type is ‘running-account loan’ or ‘leasing’.\n\nIf the loan type is ‘running-account loan’ or ‘leasing’ and the amount issued has been reported, an error message is generated.\n","B02","AmountIssued is an unknown data field.\n"]
["Lump-sum loan – Amount issued",null,"If the format of Amount issued is invalid, an error message is generated.\n","C11","AmountIssued is in an incorrect format."]
["Lump-sum loan – Amount paid","P ","The amount paid is required data if the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’. The amount paid must be reported as a decimal and be equal to or more than 0.\n\nIf the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’ but the amount paid has not been reported, an error message is generated.\n","B00","AmountPaid is missing. This is a required data element."]
["Lump-sum loan – Amount paid",null,"If the amount paid is less than 0, an error message is generated.\n","D00","AmountPaid cannot be negative. \n"]
["Lump-sum loan – Amount paid",null,"The amount paid may not be more than the amount issued.\n\nIf the amount paid is more than the amount issued, an error message is generated.\n","D00","The AmountPaid of a lump-sum loan may not be more than the AmountIssued. \n\n"]
["Lump-sum loan – Amount paid",null,"The amount paid may not be reported if the loan type is ‘running-account loan’ or ‘leasing’.\n\nIf the loan type is ‘running-account loan’ or ‘leasing’ and the amount paid has been reported, an error message is generated.\n","B02","AmountPaid is an unknown data field.\n"]
["Lump-sum loan – Amount paid",null,"If the format of Amount paid is invalid, an error message is generated.\n","C11","AmountPaid is in an incorrect format."]
["Lump-sum loan – Loan balance","P ","The loan balance is required data if the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’. The loan balance must be reported as a decimal and be equal to or more than 0.\n\nIf the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’ but the loan balance has not been reported, an error message is generated.\n","B00","Balance is missing. This is a required data element."]
["Lump-sum loan – Loan balance",null,"If the loan balance is less than 0, an error message is generated.\n","D00","Balance cannot be negative. \n"]
["Lump-sum loan – Loan balance",null,"The loan balance may not be reported if the loan type is ‘leasing’.\n\nIf the loan type is ‘leasing’ and the loan balance has been reported, an error message is generated.\n","B02","Balance is an unknown data field.\n"]
["Lump-sum loan – Loan balance",null,"If the format of Loan balance is invalid, an error message is generated.\n","C11","Balance is in an incorrect format."]
["Running-account loan – Data group missing\n",null,"Running-account loan is a required data group if the loan type is ‘running-account loan’. However, the data group is not reported if the loan is included in one of the following procedures:\n- payment plan in a debt arrangement (IsInDebtArrangement: true)\n- business restructuring program (IsInBusinessRestructuringProgram: true) \n\nIf the loan is not included in either of the above procedures and the Running-account loan data group has not been reported, an error message is generated.\n","B00","RunningAccountLoan is missing. This is a required data group."]
["Running-account loan – Payment plan in a debt arrangement",null,"Data included in the RunningAccountLoan data group may not be reported for a loan included in a private individual's payment plan in a debt arrangement. \n\nIf the loan is included in a payment plan in a debt arrangement and the RunningAccountLoan data group is reported, an error is generated.\n","B11","You must leave the RunningAccountLoan data group/field blank if IsInDebtArrangement is true."]
["Running-account loan – Business restructuring program",null,"Data included in the RunningAccountLoan data group may not be reported for a loan included in a business restructuring program. \n\nIf the loan is included in a business restructuring program and the RunningAccountLoan data group is reported, an error is generated.\n","B11","You must leave the RunningAccountLoan data group/field blank if IsInBusinessRestructuringProgram is true."]
["Running account loan – Credit limit","P","The credit limit is required data if the loan type is ‘running-account loan’. The credit limit must be reported as a decimal and be equal to or more than 0.\n\nIf the loan type is a ‘running-account loan’ but the credit limit has not been reported, an error message is generated.\n","B00","CreditLimit is missing. This is a required data element."]
["Running account loan – Credit limit",null,"If the credit limit is negative, an error message is generated.\n","D00","CreditLimit cannot be negative. \n"]
["Running account loan – Credit limit",null,"The credit limit may not be reported if the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘leasing’.\n\nIf the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘leasing’ and the credit limit has been reported, an error message is generated.\n","B02","CreditLimit is an unknown data field. "]
["Running account loan – Credit limit",null,"If the format of Credit limit is invalid, an error message is generated.\n","C11","CreditLimit is in an incorrect format."]
["Running-account loan – Amount of loan balance","P ","The amount of loan balance is required data if the loan type is ‘running-account loan’. The amount of loan balance must be reported as a decimal and be equal to or more than 0.\n\nIf the loan type is ‘running-account loan’ but the amount of loan balance has not been reported, an error message is generated.\n","B00","Balance is missing. This is a required data element."]
["Running-account loan – Amount of loan balance",null,"If the amount of loan balance is less than 0, an error message is generated.\n","D00","Balance cannot be negative. \n"]
["Running-account loan – Amount of loan balance",null,"The amount of loan balance may not be reported if the loan type is ‘leasing’.\n\nIf the loan type is ‘leasing’ and the amount of loan balance has been reported, an error message is generated.\n","B02","Balance is an unknown data field.\n"]
["Running-account loan – Amount of loan balance",null,"If the format of Amount of loan balance is invalid, an error message is generated.\n","C11","Balance is in an incorrect format."]
["Running-account loan – Value date for the amount of loan balance","P ","The value date for the amount of loan balance is required data if the loan type is ‘running-account loan’.\n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC. \nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the format of Value date for the amount of loan balance is invalid, an error message is generated.\n","C20","BalanceDate is in an incorrect format. \n"]
["Running-account loan – Value date for the amount of loan balance",null,"If the loan type is ‘running-account loan’ but the value date for the amount of loan balance has not been reported, an error message is generated.\n","B00","BalanceDate is missing. This is a required data element."]
["Running-account loan – Value date for the amount of loan balance",null,"The value date for the amount of loan balance may not be reported if the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘leasing’.\n\nIf the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘leasing’ and the value date for the amount of loan balance has been reported, an error message is generated.\n","B02","BalanceDate is an unknown data field. "]
["Running-account loan – Value date for the amount of loan balance",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the value date for the amount of loan balance is earlier than 1 January 1900, an error message is generated.\n","D20","BalanceDate may not be earlier than 1 January 1900."]
["Leasing – Data group missing",null,"Leasing is a required data group if the loan type is ‘leasing’. However, the data group is not reported if the loan is included in one of the following procedures:\n- payment plan in a debt arrangement (IsInDebtArrangement: true)\n- business restructuring program (IsInBusinessRestructuringProgram: true) \n\nIf the loan is not included in either of the above procedures and the Leasing data group has not been reported, an error message is generated.\n","B00","LeasingContract is missing. This is a required data group."]
["Leasing -  Borrower’s Business ID submitted",null,"Leasing contracts concluded with consumers are reported to the Positive credit register. Leasing contracts concluded with natural persons other than consumers may not be reported to the register.\n\nIf the loan type is ‘leasing’ and the borrower’s Business ID has been submitted, an error message is generated.\n","B02","BorrowerBusinessId is an unknown data field"]
["Leasing - Credit concluded with natural person other than consumer",null,"Leasing contracts concluded with consumers are reported to the Positive credit register. Leasing contracts concluded with natural persons other than consumers may not be reported to the register.\n\nIf the loan type is ‘leasing’ and if ‘Other than consumer credit’ has been submitted for Loan as referred to in Consumer Protection Act, an error message is generated.\n","C40","The code value for LoanConsumerProtectionAct is invalid."]
["Leasing – Payment plan in a debt arrangement",null,"Data included in the LeasingContract data group may not be reported for a loan included in a private individual's payment plan in a debt arrangement. \n\nIf the loan is included in a payment plan in a debt arrangement and the LeasingContract data group is reported, an error is generated.\n","B11","You must leave the LeasingContract data group/field blank if IsInDebtArrangement is true."]
["Leasing – Business restructuring program",null,"Data included in the LeasingContract data group may not be reported for a loan included in a business restructuring program.\n\nIf the loan is included in a business restructuring program and the LeasingContract data group is reported, an error is generated.\n","B11","You must leave the LeasingContract data group/field blank if IsInBusinessRestructuringProgram is true."]
["Leasing contract – Start date of contract period","P","The start date of contract period is required data if the loan type is ‘leasing’. \n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC. \nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the format of Start date of contract period is invalid, an error message is generated.\n","C20","ContractPeriodStartDate is in an incorrect format. \n\n"]
["Leasing contract – Start date of contract period",null,"If the loan type is ‘leasing’ but the start date of contract period has not been reported, an error message is generated.\n","B00","ContractPeriodStartDate is missing. This is a required data element."]
["Leasing contract – Start date of contract period",null,"The start date of contract period may not be reported if the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’.\n\nIf the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’ and the start date of contract period has been reported, an error message is generated.\n","B02","ContractPeriodStartDate is an unknown data field. \n"]
["Leasing contract – Start date of contract period",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the start date of contract period is earlier than 1 January 1900, an error message is generated.\n","D20","ContractDate may not be earlier than 1 January 1900."]
["Leasing contract – Monthly instalment","P ","The monthly instalment is required data if the loan type is ‘leasing’. The instalment contains all costs (principal, interest and expenses). The montly instalment must be reported as a decimal and be more than 0.\n\nIf the loan type is ‘leasing’ but the monthly instalment has not been reported, an error message is generated.\n","B00","MonthlyInstalment is missing. This is a required data element."]
["Leasing contract – Monthly instalment",null,"If the monthly instalment is negative or 0, an error message is generated.\n","D00","MonthlyInstalment cannot be negative.\n"]
["Leasing contract – Monthly instalment",null,"The monthly instalment may not be reported if the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’.\n\nIf the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’ and the monthly instalment has been reported, an error message is generated.\n","B02","MonthlyInstalment is an unknown data field. \n"]
["Leasing contract – Monthly instalment",null,"If the format of Monthly instalment is invalid, an error message is generated.\n","C11","MonthlyInstalment is in an incorrect format."]
["Leasing contract – Interest included in the instalment","P ","The interest included in the instalment is required data if the loan type is ‘leasing’. The interest included in the intalment must be reported as a decimal and be equal to or more than 0.\n\nIf the loan type is ‘leasing’ but the interest included in the instalment has not been reported, an error message is generated.\n","B00","InterestIncluded is missing. This is a required data element."]
["Leasing contract – Interest included in the instalment",null,"If the interest included in the instalment is less than 0, an error message is generated.\n","D00","InterestIncluded cannot be negative. \n"]
["Leasing contract – Interest included in the instalment",null,"No interest included in the instalment may be reported if the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’.\n\nIf the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’ and the interest included in the instalment has been reported, an error message is generated.\n","B02","InterestIncluded is an unknown data field. \n"]
["Leasing contract – Interest included in the instalment",null,"If the format of Interest included in the instalment is invalid, an error message is generated.\n","C11","InterestIncluded is in an incorrect format."]
["Leasing contract – Other expenses included in the instalment","P ","Other expenses included in the instalment is a required data element if the loan type is ‘leasing’. Other expenses included in the instalment must be reported as a decimal and be equal to or more than 0.\n\nIf the loan type is ‘leasing’ but no other expenses included in the instalment have been reported, an error message is generated.\n","B00","ExpensesIncluded is missing. This is a required data element. "]
["Leasing contract – Other expenses included in the instalment",null,"If other expenses included in the instalment are less than 0, an error message is generated.\n","D00","ExpensesIncluded cannot be negative. \n\n"]
["Leasing contract – Other expenses included in the instalment",null,"Other expenses included in the instalment may not be reported if the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’.\n\nIf the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’ and other expenses included in the instalment have been reported, an error message is generated.\n","B02","ExpensesIncluded is an unknown data field. \n"]
["Leasing contract – Other expenses included in the instalment",null,"If the format of Other expenses included in the instalment is invalid, an error message is generated.\n","C11","ExpensesIncluded is in an incorrect format."]
["Leasing contract – Transaction price","V","The transaction price is optional data and can be reported if the loan type is ‘leasing’. The transaction price must be reported as a decimal and be equal to or more than 0.\n\nIf the transaction price is less than 0, an error message is generated.\n","D00","TransactionPrice cannot be negative. \n"]
["Leasing contract – Transaction price",null,"No transaction price may be reported if the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’.\n\nIf the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’ and the transaction price has been reported, an error message is generated.\n","B02","TransactionPrice is an unknown data field. "]
["Leasing contract – Transaction price",null,"If the format of Transaction price is invalid, an error message is generated.\n","C11","TransactionPrice is in an incorrect format."]
["Interest – Data group missing",null,"If the loan type is ‘lump-sum loan’ or ‘running-account loan’ but the Interest data group has not been reported, an error message is generated.\n","B00","Interest is missing. This is a required data group."]
["Interest – General",null,"Interest is a required data group if the loan type is ‘lump-sum loan’.\n\nThe Interest data group may not be reported if the loan type is ‘guarantee receivable for a student loan’ or ‘leasing’.\n\nIf the loan type is ‘guarantee receivable for a student loan’ or ‘leasing’ and the Interest data group has been reported, an error message is generated.\n","B02","Interest is an unknown data field."]
["Interest – Payment plan in a debt arrangement",null,"Data included in the Interest data group may not be reported for a loan included in a private individual's payment plan in a debt arrangement. \n\nIf the loan is included in a payment plan in a debt arrangement and the Interest data group is reported, an error is generated.\n","B11","You must leave the Interest data group/field blank if IsInDebtArrangement is true."]
["Interest – Business restructuring program",null,"Data included in the Interest data group may not be reported for a loan included in a business restructuring program. \n\nIf the loan is included in a business restructuring program and the Interest data group is reported, an error is generated.\n","B11","You must leave the Interest data group/field blank if IsInBusinessRestructuringProgram is true."]
["Interest – Total interest rate","V ","If the format of Total interest rate is invalid, an error message is generated.\n\n","C11","TotalInterestRatePct is in an incorrect format."]
["Interest – Margin interest rate","E","The margin interest rate is required data if the loan type is ‘lump-sum loan’ or ‘running-account loan’ and if the interest type is ‘Euribor rate’, ‘reference rate determined by the bank’ or ‘other variable rate’.\n\nIf both the above conditions are met but the margin interest rate has not been reported, an error message is generated.\n","B01","MarginPct is missing. This data element is required if InterestType is X."]
["Interest – Margin interest rate",null,"If the format of Margin interest rate is invalid, an error message is generated.\n","C11","MarginPct is in an incorrect format."]
["Interest – Interest type","P ","The interest type is required data if the loan type is ‘lump-sum loan’ or ‘running-account loan’.\n\nPermissible code values:\n- Euribor rate (Euribor)\n- Reference rate determined by the bank (BankReferenceRate)\n- Other variable rate (OtherVariableReferenceRate)\n- Fixed interest (FixedInterest)\n- Interest-free (InterestFree)\n\nIf the loan type is ‘lump-sum loan’ or ‘running-account loan’ but the interest type has not been reported, an error message is generated.\n","B00","InterestType is missing. This is a required data element."]
["Interest – Interest type",null,"If other than a permissible code value has been reported for the interest type, an error message is generated.\n","C40","The code value for InterestType is invalid."]
["Interest – Period of interest determination","E ","The period for interest determination is required data if the loan type is ‘lump-sum loan’ or ‘running-account loan’ and the interest type is ‘Euribor rate’. The value reported for the period for interest determination must be an integer and be more than 0.\n\nIf both the above conditions are met but the period for interest determination has not been reported, an error message is generated.\n","B01","InterestDeterminationPeriod is missing. This data element is required if InterestType is Euribor."]
["Interest – Period of interest determination",null,"If the value reported for the period for interest determination is negative or 0, an error message is generated.","D00","The value for InterestDeterminationPeriod must be at least 1. \n\n\n"]
["Interest – Period of interest determination",null,"If the format of Period for interest determination is invalid, an error message is generated.\n","C10","InterestDeterminationPeriod is in an incorrect format."]
["Interest – End date of the period for a fixed interest rate","V","The end date of the period for a fixed interest rate is optional data and can be reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’.\n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC. \nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the format of End date of the period for a fixed interest rate is invalid, an error message is generated.\n","C20","FixedInterestRatePeriodEndDate is in an incorrect format. \n\n"]
["Interest – End date of the period for a fixed interest rate",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the end date of the period for a fixed interest rate is earlier than 1 January 1900, an error message is generated.\n","D20","FixedInterestRatePeriodEndDate may not be earlier than 1 January 1900."]
["Interest – Type of linkage to a benchmark interest rate after the period for a fixed interest rate ","V","The type of linkage to a benchmark interest rate after the period for a fixed interest rate is optional data and can be reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’. Permissible code values:\n- Euribor rate (Euribor)\n- Reference rate determined by the bank (BankReferenceRate)\n- Other variable rate (OtherVariableReferenceRate)\n- Interest-free (InterestFree)\n\nIf some other value has been reported for the type of linkage to a benchmark interest rate after the period for a fixed interest rate, an error message is generated.\n","C40","The code value for SubsequentInterestType is invalid. "]
["Interest – Lower limit of the interest rate corridor ","E","The lower limit of the interest rate corridor is required data if the upper limit of the interest rate corridor has been reported. The data can be reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’. The lower limit of the interest rate corridor must be reported as a decimal and be equal to or more than 0.\n\nIf the lower limit of the interest rate corridor is less than 0, an error message is generated.\n","D00","The value for RateCorridorBottomPct cannot be negative. \n"]
["Interest – Lower limit of the interest rate corridor ",null,"The lower limit of the interest rate corridor must be less than or equal to 100.\n\nIf the lower limit of the interest rate corridor is more than 100, an error message is generated.\n","D01","The value for RateCorridorBottomPct must be smaller than or equal to 100. \n\n"]
["Interest – Lower limit of the interest rate corridor ",null,"If the upper limit of the interest rate corridor has been reported but the lower limit has not, an error message is generated.\n","B01","RateCorridorBottomPct is missing. This data element is required if RateCorridorTopPct is specified. \n"]
["Interest – Lower limit of the interest rate corridor ",null,"If the lower limit of the interest rate corridor is more than the upper limit, an error message is generated.\n","D02","RateCorridorBottomPct may not be higher than RateCorridorTopPct. \n\n"]
["Interest – Lower limit of the interest rate corridor ",null,"The lower limit of the interest rate corridor may not be reported if an interest rate cap has been reported.\n\nIf both the lower limit of the interest rate corridor and the interest rate cap have been reported, an error message is generated.\n","B11","You must leave RateCapPct blank if RateCorridorTopPct or RateCorridorBottomPct is specified.\n"]
["Interest – Lower limit of the interest rate corridor ",null,"If the format of Lower limit of the interest rate corridor is invalid, an error message is generated.\n","C11","RateCorridorBottomPct is in an incorrect format."]
["Interest – Upper limit of the interest rate corridor","E","The upper limit of the interest rate corridor is required data if the lower limit of the interest rate corridor has been reported. The data can be reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’. The upper limit of the interest rate corridor must be reported as a decimal and be more than 0.\n\nIf the upper limit of the interest rate corridor is negative or 0, an error message is generated.\n","D00","The value for RateCorridorTopPct must be greater than 0. \n\n"]
["Interest – Upper limit of the interest rate corridor",null,"The upper limit of the interest rate corridor must be less than or equal to 100.\n\nIf the upper limit of the interest rate corridor is more than 100, an error message is generated.\n","D01","The value for RateCorridorTopPct must be smaller than or equal to 100. \n"]
["Interest – Upper limit of the interest rate corridor",null,"If the lower limit of the interest rate corridor has been reported but the upper limit has not, an error message is generated.\n","B01","RateCorridorTopPct is missing. This data element is required if RateCorridorBottomPct is specified. \n"]
["Interest – Upper limit of the interest rate corridor",null,"The upper limit of the interest rate corridor may not be reported if the interest rate cap has been reported.\n\nIf both the upper limit of the interest rate corridor and the interest rate cap have been reported, an error message is generated.","B11","You must leave RateCapPct blank if RateCorridorTopPct or RateCorridorBottomPct is specified.\n\n\n"]
["Interest – Upper limit of the interest rate corridor",null,"If the format of Upper limit of the interest rate corridor is invalid, an error message is generated.\n","C11","RateCorridorTopPct is in an incorrect format."]
["Interest – Interest rate cap","V","The interest rate cap is optional data and can be reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’. The interst rate cap must be reported as a decimal and be more than 0.\n\nIf the interest rate cap is negative or 0, an error message is generated.\n","D00","The value for RateCapPct must be greater than 0. \n\n"]
["Interest – Interest rate cap",null,"The interest rate cap must be less than or equal to 100.\n\nIf the interest rate cap is more than 100, an error message is generated.\n","D01","The value for RateCapPct must be smaller than or equal to 100.\n\n\n"]
["Interest – Interest rate cap",null,"The interest rate cap may not be reported if the lower or upper limit of the interest rate corridor has been reported.\n\nIf both the interest rate cap and the lower or upper limit of the interest rate corridor have been reported, an error message is generated.\n","B11","You must leave RateCapPct blank if RateCorridorTopPct or RateCorridorBottomPct is specified.\n\n"]
["Interest – Interest rate cap",null,"If the format of Interest rate cap is invalid, an error message is generated.\n","C11","RateCapPct is in an incorrect format."]
["Interest – End date of interest rate restriction","E","The end date of interest rate restriction is required data if the lower and upper limits of the interest rate corridor or the interest rate cap has been reported. The data can be reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’.\n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC.\nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the format of End date of interest rate restriction is invalid, an error message is generated.\n","C20","RateRestrictionEndDate is in an incorrect format."]
["Interest – End date of interest rate restriction",null,"If the lower and upper limits of the interest rate corridor has been reported but the end date of interest rate restriction has not, an error message is generated.","B01","RateRestrictionEndDate is missing. This data element is required if RateCorridorBottomPct and RateCorridorTopPct are specified. \n"]
["Interest – End date of interest rate restriction",null,"If the interest rate cap has been reported but the end date of interest rate restriction has not, an error message is generated.","B01","RateRestrictionEndDate is missing. This data element is required if RateCapPct is specified. \n"]
["Interest – End date of interest rate restriction",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the end date of interest rate restriction is earlier than 1 January 1900, an error message is generated.\n","D20","RateRestrictionEndDate may not be earlier than 1 January 1900."]
["Interest – End date of interest rate restriction",null,"The end date of interest rate restriction may not be reported if the interest type is ‘fixed interest’.\n\nIf the interest type is ‘fixed interest’ and the end date of interest rate restriction has been reported, an error message is generated.\n","B11","You must leave RateRestrictionEndDate blank if FixedInterest is specified.\n"]
["Interest – End date of interest rate restriction",null,"The end date of interest rate restriction can be reported only if the interest rate corridor or the interest rate cap has been reported.\n\nIf the above condition is not met and yet the end date of interest rate restriction has been reported, an error message is generated.\n","B11","You must leave RateRestrictionEndDate blank if RateCorridorTopPct, RateCorridorBottomPct or RateCapPct is not specified.\n"]
["Interest – Effective interest rate on the date of conclusion","V","The effective interest rate on the date of conclusion is optional data and can reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’. The effective interest rate must be reported as a decimal and be equal to or more than 0.\n\nIf the effective interest rate on the date of conclusion is less than 0, an error message is generated.\n","D00","EffectiveInterestRatePct cannot be negative. \n\n"]
["Interest – Effective interest rate on the date of conclusion",null,"If the format of Effective interest rate on the date of conclusion is invalid, an error message is generated.\n","C11","EffectiveInterestRatePct is in an incorrect format."]
["Deferment periods – General","V","Deferment periods is an optional data group.\n\nThe data group may not be reported if the loan type is ‘guarantee receivable for a student loan’ or ‘leasing’.\n\nIf the loan type is ‘guarantee receivable for a student loan’ or ‘leasing’ and the Deferment periods data group has been reported, an error message is generated.\n","B02","DefermentPeriods is an unknown data field."]
["Deferment periods – Payment plan in a debt arrangement",null,"Data included in the DefermentPeriods data group may not be reported for a loan included in a private individual's payment plan in a debt arrangement. \n\nIf the loan is included in a payment plan in a debt arrangement and the DefermentPeriods data group is reported, an error is generated.\n","B11","You must leave the DefermentPeriods data group/field blank if IsInDebtArrangement is true."]
["Deferment periods – Business restructuring program",null,"Data included in the DefermentPeriods data group may not be reported for a loan included in business restructuring program. \n\nIf the loan is included in a business restructuring program and the DefermentPeriods data group is reported, an error is generated.\n","B11","You must leave the DefermentPeriods data group/field blank if IsInBusinessRestructuringProgram is true."]
["Deferment periods – General – Maximum number",null,"The list of deferment periods must contain each agreed deferment of amortizations. The maximum number of deferment periods is 64.\n\nIf the list contains more than 64 deferment periods, an error message is generated.\n","D31","You cannot report more than 64 deferment periods."]
["Deferment periods – General – Minimum number",null,"If the Deferment periods data group has been reported, at least 1 deferment period must be reported for the loan.\n\nIf the Deferment periods data group has been reported but not a single deferment period has been reported for the loan (list with no elements), an error message is generated.\n","D30","DefermentPeriods must contain at least 1 element.\n\n"]
["Deferment periods – Start date of the deferment period","P","The start date of the deferment period is required data if the end date of the deferment period has been reported. \n\nThe data can be reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’.\n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC.\nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the format of Start date of the deferment period is invalid, an error message is generated.\n","C20","StartDate is in an incorrect format."]
["Deferment periods – Start date of the deferment period",null,"If the end date of the deferment period has been reported but the start date has not, an error message is generated.","B00","StartDate is missing. This is a required data element.\n\n"]
["Deferment periods – Start date of the deferment period",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the start date of the deferment period is earlier than 1 January 1900, an error message is generated.\n","D20","StartDate may not be earlier than 1 January 1900."]
["Deferment periods – End date of the deferment period","P","The end date of the deferment period is required data if the start date of the deferment period has been reported. \n\nThe data can be reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’.\n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC.\nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the format of End date of the deferment period is invalid, an error message is generated.\n","C20","EndDate is in an incorrect format."]
["Deferment periods – End date of the deferment period",null,"If the start date of the deferment period has been reported but the end date has not, an error message is generated.","B00","EndDate is missing. This is a required data element. \n\n"]
["Deferment periods – End date of the deferment period",null,"The end date of the deferment period may not be earlier than the start date of the period.\n\nIf the end date of the deferment period is earlier than the start date of the period, an error message is generated.\n","D22","EndDate may not be earlier than StartDate.\n"]
["Deferment periods – End date of the deferment period",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the end date of the deferment period is earlier than 1 January 1900, an error message is generated.\n","D20","EndDate may not be earlier than 1 January 1900."]
["Deferment periods – End date of the deferment period",null,"Deferment periods relating to the same loan may not have the same start dates and end dates.\n\nIf different deferment periods have the same start dates and end dates, an error message is generated.\n","D24","Deferments of amortizations relating to the same loan may not have the same StartDate and EndDate. \n\n"]
["Collaterals – General – Minimum number",null,"If the loan has been reported to have collateral (IsLoanWithCollateral: true), at least one collateral must be reported for the loan.\n\nIf the loan has been reported to have collateral but not a single collateral has been reported (list with no elements), an error message is generated.\n","D30","Collaterals must contain at least 1 element.\n\n"]
["Collaterals – General – Maximum number",null,"The list of collaterals must contain all the collaterals of the loan. The maximum number of collaterals is 64.\n\nIf the list contains more than 64 collaterals, an error message is generated.","D31","You cannot report more than 64 Collaterals.\n"]
["Collaterals – Type of collateral","P","The type of collateral is required data if the loan has been reported to have collateral (IsLoanWithCollateral: true). Permissible code values:\n- Residential property (ApartmentOrRealEstate)\n- Other immovable property (OtherImmovableProperty)\n- Hire-purchased item (InstalmentSaleItem)\n- Other moveable property (OtherMoveableProperty)\n- Other collateral (OtherCollateral)\n- Personal guarantee (PersonalGuarantee)\n- Government guarantee (GovernmentGuarantee)\n- Other guarantee (OtherGuarantee)\n\nIf some other value has been reported for the type of collateral, an error message is generated.\n","C40","The code value for CollateralType is invalid."]
["Collaterals – Type of collateral",null,"If the loan has been reported to have collateral but the type of collateral has not been reported, an error message is generated.\n","B00","CollateralType is missing. This is a required data element.\n\n"]
["Collaterals – Type of collateral",null,"The Collaterals data group may be reported only if the loan has been reported to have collateral (IsLoanWithCollateral: true).\n\nIf the above condition is not met but the Collaterals data group has been reported, an error message is generated.\n","B11","You must leave Collaterals blank if IsLoanWithCollateral is false.\n\n\n"]
["Collaterals – Type of collateral – Guarantor – Type of ID code","E","The type of guarantor ID code is required data if the loan has been reported to have collateral (IsLoanWithCollateral: true) and if the type of collateral is ‘personal guarantee’. Permissible code value:\n- Personal identity code (PersonalIdentityCode)\n\nIf some other value has been reported for the type of guarantor ID code, an error message is generated.\n","C40","The code value for IdCodeType is invalid."]
["Collaterals – Type of collateral – Guarantor – Type of ID code",null,"If the loan has been reported to have collateral and if the type of collateral is ‘personal guarantee’ but the type of ID code has not been reported, an error message is generated.\n","B00","IdCodeType is missing. This is a required data element.\n"]
["Collaterals – Type of collateral – Guarantor – Type of ID code",null,"The type of guarantor ID code can be reported only if the loan has been reported to have collateral (IsLoanWithCollateral: true) and if the type of collateral is ‘personal guarantee’.\n\nIf the above conditions are not met but the type of collateral has been reported, an error message is generated.\n","B11","You must leave Collaterals blank if IsLoanWithCollateral is false\n\n\n\n"]
["Collaterals – Type of collateral – Guarantor – ID code","E","The guarantor’s ID code is required data if the loan has been reported to have collateral (IsLoanWithCollateral: true) and if the type of collateral is ‘personal guarantee’. The ID code must be in the personal identity code format and it must be found in the register.\n\nIf the format of the ID code is invalid, an error message is generated.\n","E21","The identifier is invalid. "]
["Collaterals – Type of collateral – Guarantor – ID code",null,"The guarantor's ID code must consist of 11 characters.\n\nIf the ID code contains less than 11 characters, an error message is generated.\n","D10","IdCode is too short. The minimum number of characters is 11."]
["Collaterals – Type of collateral – Guarantor – ID code",null,"The allowed characters are:\n- letters ABCDEFHJKLMNPRSTUVWXY\n- numbers 0–9\n- symbols + and -\n\nIf the ID code contains characters that are not allowed, an error message is generated.\n","C50","The identifier contains characters that are not allowed. The allowed characters are letters ABCDEFHJKLMNPRSTUVWXY, numbers 0–9 and symbols + and -. \n"]
["Collaterals – Type of collateral – Guarantor – ID code",null,"The ID code must be in the format DDMMYYXNNNC, where \n- DDMMYY = date of birth\n- X = sign indicating the century of birth (‘+’ = 1800-1899, '-', Y, X, W, V, U = 1900-1999 or A, B, C, D, E, F = 2000-2099)\n- NNN = running number 002–899 (even for females, odd for males)\n- C = calculated control character, which is a number 0-9 or a capital letter A-Y (not G, I, O, Q).\n\nIf the format of the ID code is invalid, an error message is generated.\n","C50","The format of the identifier is invalid. The identifier must be in the format DDMMYYXNNNC.\n"]
["Collaterals – Type of collateral – Guarantor – ID code",null,"If the date of birth in the ID code is a date that does not exist (e.g. 300299), an error message is generated.\n","C50","The format of the identifier is invalid. The date of birth must be an actual date.\n"]
["Collaterals – Type of collateral – Guarantor – ID code",null,"If the loan has been reported to have collateral and if the type of collateral is ‘personal guarantee’ but no ID code has been reported, an error message is generated.\n","B00","IdCode is missing. This is a required data element.\n"]
["Collaterals – Type of collateral – Guarantor – ID code",null,"Identifiers not found in the register will be checked with DVV.\n\nIf an identifier is not found in the register, an error is generated.\n\n","E20","IdCode not found in the register. Please submit your report again in one week."]
["Collaterals – Type of collateral – Guarantor – ID code",null,"If an identifier is not found through a request submitted to DVV, an error is generated.\n\n","E21","The identifier is invalid. "]
["Collaterals – Type of collateral – Guarantor – ID code",null,"The same ID code can be reported as the guarantor of the same loan only once.\n\nIf the ID code has been reported as the guarantor of the same loan more than once, an error message is generated.\n","E23","You cannot give the same guarantor IdCode more than once.\n"]
["Collaterals – Type of collateral – Guarantor – ID code",null,"The same personal identity code may not reported both as the borrower and as the guarantor in the same loan. \n\nIf the same personal identity code has been reported both as the borrower and as the guarantor in the same loan, an error message is generated.\n","E22","You cannot enter the same IdCode for the borrower and for the guarantor.\n"]
["Collaterals – Type of collateral – Guarantor – ID code",null,"The guarantor’s ID code can be reported only if the loan has been reported to have collateral (IsLoanWithCollateral: true) and if the type of collateral is ‘personal guarantee’.\n\nIf the above conditions are not met but the ID code has been reported, an error message is generated.\n","B11","You must leave Guarantor blank if CollateralType is not PersonalGuarantee.\n\n"]

{"sheet":"3. Luoton muutosten -piilotettu","index":4,"n_rows":161,"n_cols":10,"rows_kept":161,"cut":false,"hidden":true,"merged":[[153,0,155,9]]}
["Säännön numero","Kommentit\n(Merkitse kommenttiisi nimikirjaimet ja päivämäärä)","Avainsana","P = Pakollinen\nV = Vapaaehtoinen\nE = Ehdollinen","Käsittelysääntö","Virhekoodi","Virheviesti","Virheviesti (ENG)","Toteutuksen tila","Muokkauspäivä"]
[null,null,"Ilmoituksen tyyppi","P ","Ilmoituksessa on ilmoitettava pakollisena tietona ilmoituksen tyyppi. Luoton muutosten rajapinnassa sallittua on ilmoittaa seuraavat ilmoituksen tyypit:\n- uusi ilmoitus \n- virheen korjaus \n\nMikäli ilmoituksen tyyppinä on ilmoitettu jokin muu tyyppi kuin yllämainitut, muodostetaan virheviesti.\n","C40","Ilmoituksen tyyppi ei ole sallittu koodistoarvo.","The code value for ReportType is invalid."]
[null,null,null,null,"Mikäli ilmoituksen tyyppiä ei ole ilmoitettu, muodostetaan virheviesti.","B00","Ilmoituksen tyyppi puuttuu. Tieto on pakollinen.","ReportType is missing. This is a required data element."]
[null,null,"Ilmoitusviite","P","Ilmoituksessa on ilmoitettava pakollisena tietona ilmoitusviite. Ilmoitusviitteen on oltava uniikki.\n\nMikäli ilmoitusviitettä ei ilmoiteta, muodostetaan virheviesti.\n","B00","Ilmoitusviite puuttuu. Tieto on pakollinen.","ReportReference is missing. This is a required data element."]
[null,null,null,null,"Mikäli ilmoitettu ilmoitusviite löytyy jo lähetettävässä aineistossa kertaalleen ilmoitettuna, muodostetaan virheviesti.\n\n","E00","Saman ilmoitusviitteen voi ilmoittaa aineistossa vain kerran.","You cannot give the same ReportReference in the batch more than once."]
[null,null,"Luoton numeron tyyppi","P","Ilmoituksessa tulee ilmoittaa pakollisena tietona luoton numeron tyyppi.\nLuoton numeron tyypin tulee olla jokin seuraavista:\n- IBAN-tilinumero (Iban)\n- BBAN-tilinumero (Bban)\n- Muu luoton numero (Other)\n\nMikäli ilmoitetaan jokin muu kuin yllämainittu, muodostetaan virheviesti.\n","C40","Luoton numeron tyyppi ei ole sallittu koodistoarvo.","The code value for LoanNumberType is invalid."]
[null,null,null,null,"Mikäli luoton numeron tyyppiä ei ole ilmoitettu, muodostetaan virheviesti.\n","B00","Luoton numeron tyyppi puuttuu. Tieto on pakollinen.","LoanNumberType is missing. This is a required data element."]
[null,null,"Luoton numero ","P","Ilmoituksessa tulee ilmoittaa luoton numero, jonka on löydyttävä järjestelmästä. \n\nMikäli ilmoitettua luoton numeroa ei löydy järjestelmästä, muodostetaan virheviesti.\n","E01","Luoton numerolla ei löydy luottoa rekisteristä.","No loan is found in the register with the loan number given."]
[null,null,null,null,"Mikäli luoton numeroa ei ole ilmoitettu, muodostetaan virheviesti.\n","B00","Luoton numero puuttuu. Tieto on pakollinen.","LoanNumber is missing. This is a required data element."]
[null,null,"Uusi luoton numero - Luoton numeron tyyppi","V","Ilmoituksessa voidaan ilmoittaa vapaaehtoisena tietona olemassaolevan luoton uusi luoton numeron tyyppi.\nLuoton numeron tyypin tulee olla jokin seuraavista:\n- IBAN-tilinumero (Iban)\n- BBAN-tilinumero (Bban)\n- Muu luoton numero (Other)\n\nMikäli ilmoitetaan jokin muu kuin yllämainittu, muodostetaan virheviesti\n","C40","Luoton numeron tyyppi ei ole sallittu koodistoarvo.","The code value for LoanNumberType is invalid."]
[null,null,null,null,"Mikäli luoton numeron tyyppiä ei ole ilmoitettu, mutta uusi luoton numero on ilmoitettu, muodostetaan virheviesti.\n","B00","Luoton numeron tyyppi puuttuu. Tieto on pakollinen.","LoanNumberType is missing. This is a required data element."]
[null,null,"Uusi luoton numero - Luoton numero ","V","Ilmoituksessa voidaan ilmoittaa vapaaehtoisena tietona olemassa olevan luoton numeron uusi luoton numero, jonka on oltava luotonantajakohtaisesti muodoltaan uniikki. \n\nMikäli ilmoitettu luoton numero löytyy jo luotonantajan ilmoittamana järjestelmästä, muodostetaan virheviesti.\n","E00","Luoton numero löytyy jo rekisteristä. Tiedon pitää olla yksilöllinen.","The loan number is already in the register. The data element must be unique."]
[null,null,null,null,"Mikäli luoton numeroa ei ole ilmoitettu, mutta nykyiselle luotolle on ilmoitettu uusi luoton numeron tyyppi, muodostetaan virheviesti.\n","B00","Luoton numero puuttuu. Tieto on pakollinen.","LoanNumberType is missing. This is a required data element."]
[null,null,null,null,"Mikäli luoton numerona ilmoitetaan vanha jo olemassa oleva kyseisen luoton numero, muodostetaan virheviesti.\n",null,"Puuttuu"]
[null,null,"Luotonantaja toimii vertaislainanvälittäjänä   ","E","Tieto luotonantajan toimimisesta vertaislainanvälittäjänä on pakollinen tieto, jos luottosopimuksen tekopäivä on järjestelmän käyttöönoton jälkeen (1.2.2024). Järjestelmän käyttöönottoon asti tieto on vapaaehtoinen.\n\nEnnen järjestelmän käyttöönottoa tehdyissä luottosopimuksissa tietokentän arvoksi voidaan ilmoittaa true, false tai tieto voidaan jättää ilmoittamatta.\n\nJärjestelmän käyttöönoton jälkeen (1.2.2024) luottosopimuksen tekopäivän ollessa järjestelmän käyttöönottoa myöhäisempi valittavissa on true / false.\n\nMikäli tietoa ei ole ilmoitettu ja luottosopimuksen tekopäivä on järjestelmän käyttöönottopäivän jälkeen, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli tieto luotonantajan toimimisesta vertaislainanvälittäjänä on annettu virheellisessä muodossa, muodostetaan virheviesti.\n"]
[null,null,"Luotonantajan markkinointinimi       ","P","Ilmoituksessa tulee ilmoittaa luotonantajan markkinointinimi.\n\nMikäli tietoa ei ole ilmoitettu, muodostetaan virheviesti.\n"]
[null,null,"Velallisten määrä ","P","Ilmoituksessa on ilmoitettava velallisten määrä, jonka on oltava yhtäsuuri tai suurempi kuin yksi. Velallisten määrään lasketaan mukaan sekä suomalaisen henkilötunnuksen omaavat velalliset että myös velalliset, joilla ei ole suomalaista henkilötunnusta.\n\nMikäli tietoa ei ole ilmoitettu tai määräksi on ilmoitettu negatiivinen luku tai 0, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli velallisten määräksi on ilmoitettu negatiivinen luku tai 0, muodostetaan virheviesti.\n"]
[null,null,null,null,"Velallisten määrän on oltava vähintään luotonsaajana ilmoitettujen henkilötunnusten määrä. \n\nMikäli velallisten määrä on pienempi kuin luotonsaajana ilmoitettujen henkilötunnusten määrä, muodostetaan virheviesti.\n"]
[null,null,"Luottosopimuksen tekopäivä ","P","Ilmoituksessa on ilmoitettava pakollisena tietona luottosopimuksen tekopäivä. \n\nTieto ilmoitetaan muodossa VVVV-KK-PPTHH:MM:SS. Aikavyöhykkeen on oltava UTC.\nAjankohdan voi ilmoittaa myös ilman kellonaikaa muodossa VVVV-KK-PP.\nMinimi päivämääränä käytetään (1900-01-01T00:00:00)\nMaksimi päivämääränä käytetään (9999-12-31T23:59:59)\n\nMikäli luottosopimuksen tekopäivää ei ole ilmoitettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli luottosopimuksen tekopäivä on ilmoitettuna muodoltaan virheellisenä, muodostetaan virheviesti.\n"]
[null,null,"Valuutta","P","Ilmoituksessa on ilmoitettava pakollisena tietona luoton valuutta. Valuutta ilmoitetaan ISO 4217 -valuuttakoodiston mukaisena kolmikirjaimisena koodina (Esim. EUR tai USD).\n\nMikäli valuuttatietoa ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli valuuttatieto on annettu virheellisessä muodossa, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli annettua kolmikirjaimista valuuttakoodia ei löydy järjestelmästä, muodostetaan virheviesti.\n"]
[null,null,"Luottosopimuksen tekemisen yhteydessä maksettavat kertakulut","E","Luottosopimuksen tekemisen yhteydessä maksettavat kertakulut on ilmoitettava, jos luottosopimuksen tekopäivä on järjestelmän käyttöönottopäivän (1.2.2024) jälkeen. Kertakulujen määrän tulee olla yhtäsuuri tai suurempi kuin 0.\n\nEnnen järjestelmän käyttöönottopäivää tehdyissa sopimuksissa tieto on ilmoitettava, jos se on kohtuudella saatavissa (vapaaehtoinen tieto).\n\nMikäli luottosopimuksen yhteydessä maksettavia kertakuluja ei ole ilmoitettu tilanteessa, jossa luottosopimuksen tekopäivä on järjestelmän käyttöönottopäivän jälkeen, muodostetaan virheviesti. \n"]
[null,null,null,null,"Mikäli luottosopimuksen tekemisen yhteydessä maksettavien kertakulujen määrä on ilmoitettu virheellisellä arvolla muodostetaan virheviesti.\n"]
[null,null,"Luoton tyyppi ","P","Luoton tyyppi on pakollinen tieto. Luoton tyypiksi voidaan ilmoittaa seuraavat:\n- Kertaluotto (LumpSumLoan)\n- Jatkuva luotto (RunningAccountLoan)\n- Leasing (Leasing)\n- Opintolainan takaussaatava (GuaranteeReceivable) \n\nKela voi ilmoittaa ainoastaan opintolainan takaussaatavan luoton tyyppinä eikä Kela saa ilmoittaa muun tyyppisiä luottoja.\n\nMikäli luoton tyyppinä on ilmoitettu jokin muu kuin yllämainitut tai luoton tyyppiä ei ole ilmoitettu ollenkaan, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli luoton tyypiksi on ilmoitettu Opintolainan takaussaatava ja aineiston omistaja ei ole Kela, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli Kela on ilmoittanut jonkin muun luoton tyypin kuin opintolainan takaussaatavan, muodostetaan virheviesti.\n"]
[null,null,"Luottoon liittyy vakuus","E ","Tieto luottoon liittyvästä vakuudesta on pakollinen, jos luoton tyypiksi on ilmoitettu:\n- Kertaluotto (LumpSumLoan)\n- Jatkuva luotto (RunningAccountLoan)\n- Opintolainan takaussaatava (GuaranteeReceivable) \n\nSallitut arvot ovat true / false.\n\nMikäli tietoa ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli tieto siitä, liittyykö luottoon vakuus on annettu virheellisellä arvolla, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa luottoon liittyvästä vakuudesta ei anneta, jos luoton tyypiksi on ilmoitettu:\n- Leasing (Leasing)\n\nMikäli tieto annetaan, muodostetaan virheviesti.\n"]
[null,"Siirronsaaja ilmoittaa tiedon antaessaan ilmoituksen uudesta luotosta ","Luotto on siirretty toiselta luotonantajalta \n","V","Tieto siitä, että luotto on siirretty toiselta luotonantajalta on vapaaehtoinen. Arvoksi voidaan ilmoittaa true / false tai tietokenttä voidaan jättää kokonaan ilmoittamatta. \n\nMikäli tieto on annettu virheellisellä arvolla, muodostetaan virheviesti.\n"]
[null,null,"Luotonsaaja - Tunnisteen typpi","P","Luotonsaaja tietona tunnisteen tyyppi on pakollinen tieto. Sallittu tunnisteen tyyppi on \n- Henkilötunnus (PersonalIdentityCode)\n\nMikäli tunnisteen tyyppinä on ilmoitettu jokin seuraavista:\n- Y-tunnus (BusinessId)\n- Ulkomainen organisaatiotunniste (ForeignBusinessId)\nMuodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli tunnisteen tyyppi tietoa ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli tunnisteen tyyppi tieto on muodoltaan virheellinen, muodostetaan virheviesti.\n"]
[null,null,"Luotonsaaja - Tunniste","P ","Luotonsaaja tietona tunniste on pakollinen tieto. Tunnisteen tulee olla henkilötunnusmuotoa ja sen tulee löytyä rekisteristä. Tunniste voidaan lisätä vain kerran samaa luottoa koskevaan ilmoitukseen. \n\nMikäli tunniste tieto puuttuu, muodostetaan virheviesti.\n "]
[null,null,null,null,"Mikäli tunniste tieto on muodoltaan virheellinen, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli tunnisteella ei löydy henkilöä rekisteristä, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli tunniste yritetään ilmoittaa useampaan kertaan samassa ilmoituksessa, muodostetaan virheviesti.\n"]
[null,"Vain tuomioistuimen vahvistamat maksuohjelmat","Yksityishenkilön velkajärjestely","V","Tieto luoton kuulumisesta yksityishenkilön velkajärjestelyn maksuohjelman piiriin on vapaaehtoinen tieto.\nArvona voidaan ilmoittaa true / false tai tietokenttä voidaan jättää kokonaan antamatta.\n\nMikäli tieto on annettu muodoltaan virheellisenä, muodostetaan virheviesti."]
[null,"Vain tuomioistuimen vahvistamat maksuohjelmat","Yrityssaneeraus","V","Tieto luoton kuulumisesta yrityssaneerausmenettelyn piiriin on vapaaehtoinen tieto.\nArvona voidaan ilmoittaa true / false tai tietokenttä voidaan jättää kokonaan antamatta.\n\nMikäli tieto on annettu muodoltaan virheellisenä, muodostetaan virheviesti.\n"]
[null,null,"Bruttotulo","V","Tieto luotonsaajan bruttotuloista on vapaaehtoinen. Bruttotulo ilmoitetaan kuukausitasolla. Bruttotulojen määrän on oltava yhtäsuuri tai suurempi kuin 0.\n\nMikäli bruttotulo on ilmoitettu negatiivisena lukuna, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli tieto bruttotulosta on annettu väärässä muodossa, muodostetaan virheviesti.\n"]
[null,null,"Nettotulo","V","Tieto luotonsaajan nettotuloista on vapaaehtoinen. Nettotulo ilmoitetaan kuukausitasolla. Nettotulojen määrän on oltava yhtäsuuri tai suurempi kuin 0.\n\nMikäli nettotulo on ilmoitettu negatiivisena lukuna, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli tieto nettotulosta on annettu väärässä muodossa, muodostetaan virheviesti.\n"]
[null,null,"KSL-luotto","E","Tieto siitä, onko luotto kuluttajasuojalain mukainen, on pakollinen tieto, jos luoton sopimuksentekopäivä on järjestelmän käyttöönottopäivän (1.2.2024) jälkeen.\n\nMikäli tietoa ei ole ilmoitettu sellaisen luoton osalta, jonka sopimuksentekopäivä on järjestelmän käyttöönottopäivän jälkeen, muodostetaan virheviesti.\n\nTieto on vapaaehtoinen, niiden luottojen osalta, joissa luoton sopimuksentekopäivä on ennen järjestelmän käyttöönottopäivää.\n"]
[null,null,null,null,"Mikäli tieto siitä, onko luotto kuluttajasuojalainmukainen luotto on annettu ilmoituksella, mutta tiedon muoto on virheellinen, muodostetaan virheviesti.\n"]
[null,null,"Hyödykesidonnaisuus","E","Tieto siitä, onko luotto hyödykesidonnainen, on pakollinen tieto, jos luoton sopimuksentekopäivä on järjestelmän käyttöönottopäivän (1.2.2024) jälkeen ja?/ tai? jos on ilmoitettu, että luotto on kuluttajansuojalain mukainen luotto -koodiston arvolla ”Kuluttajaluotto (7 luku)”.\n\nMikäli tietoa ei ole ilmoitettu sellaisen luoton osalta, jonka sopimuksentekopäivä on järjestelmän käyttöönottopäivän jälkeen ja joka on edellämainitusti kuluttajasuojalain mukainen luotto, muodostetaan virheviesti.\n\nTieto on vapaaehtoinen, niiden luottojen osalta, joissa luoton sopimuksentekopäivä on ennen järjestelmän käyttöönottopäivää ja joissa ei ole ilmoitettu, että luotto on kuluttajansuojalain mukainen luotto -koodiston arvolla ”Kuluttajaluotto (7 luku)”.\n"]
[null,null,null,null,"Mikäli tieto luoton hyödykesidonnaisuudesta on annettu ilmoituksella, mutta tiedon muoto on virheellinen, muodostetaan virheviesti.\n"]
[null,null,"Kertaluotto - Luoton käyttötarkoitus","P ","Tieto luoton käyttötarkoituksesta on pakollinen, jos luoton tyyppi on kertaluotto (ml. opintolainan takaussaatava).\n\nVaihtoehtoina luoton käyttötarkoitukseksi ovat\n- Asuntolaina (HomeLoan)\n- Asuntolaina ensiasuntoon (HomeLoanForFirstHome)\n- Asuntolaina vapaa-ajanasuntoon (HomeLoanForLeisureHouse)\n- Asuntolaina sijoitusasuntoon (HomeLoanForInvestmentPurposes)\n- Opintolaina (StudentLoan)\n- Kulutusluotto (ConsumptionLoan)\n- Muu luotto (OtherLoan)\n- Luotto elinkeinotoimintaan (LoanForBusinessActivities)\n- Opintolainan takaussaatava (GuaranteeReceivable)\n\nMikäli tietoa ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa luoton käyttötarkoituksesta ei saa antaa, jos luoton tyyppi on jatkuva luotto tai leasing.\n\nMikäli tieto on annettu, muodostetaan virheviesti\n"]
[null,null,"Kertaluotto - Maksuohjelman viimeinen eräpäivä ","V","Tieto maksuohjelman viimeisestä eräpäivästä on vapaaehtoinen. \n\nTieto ilmoitetaan muodossa VVVV-KK-PPTHH:MM:SS. Aikavyöhykkeen on oltava UTC. \nAjankohdan voi ilmoittaa myös ilman kellonaikaa muodossa VVVV-KK-PP.\nMinimi päivämääränä käytetään (1900-01-01T00:00:00)\nMaksimi päivämääränä käytetään (9999-12-31T23:59:59)\n\nTieto on annettava, jos maksuohjelmalle on määritetty viimeinen eräpäivä.\n\nMikäli tieto on annettu väärässä muodossa, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa maksuohjelman viimeisestä eräpäivästä ei saa antaa, jos luoton tyyppi on jatkuva luotto tai leasing.\n\nMikäli tieto on annettu, muodostetaan virheviesti\n"]
[null,null,"Kertaluotto - Lyhennystapa","P ","Tieto kertaluoton lyhennystavasta on pakollinen tieto.\n\nLyhennystapana voidaan ilmoittaa\n- \tTasalyhennys (FixedSizeAmortizations)\n- \tKiinteä tasaerä (FixedSizePayments)\n- \tAnnuiteetti (Annuities)\n- \tBalloon (Balloon)\n- \tBullet (Bullet)\n- \tMuu lyhennystapa (Other)\n\nMikäli tietoa ei ole ilmoitettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli tieto on annettu muodoltaan virheellisesti, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa lyhennystavasta ei saa antaa, jos luoton tyyppi on jatkuva luotto tai leasing\n\nMikäli tieto on annettu, muodostetaan virheviesti\n"]
[null,null,"Kertaluotto - Lyhennysväli","E ","Tieto kertaluoton lyhennysvälistä on pakollinen tieto, jos luoton lyhennystapa on.jokin muu kuin bullet tai muu lyhennystapa. Lyhennysvälin on oltava yhtäsuuri tai suurempi kuin 1 kuukausi.\n\nMikäli tietoa ei ole ilmoitettu, muodostetaan virheviesti.\n\nTieto kertaluoton lyhennysvälistä voidaan ilmoittaa vapaaehtoisena tietoa luotoissa, joiden lyhennystapa on bullet tai muu lyhennystapa.\n"]
[null,null,null,null,"Mikäli lyhennysvälinä on ilmoitettu pienempi luku kuin 1, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa lyhennysvälistä ei saa antaa, jos luoton tyyppi on jatkuva luotto tai leasing\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Kertaluotto - Myönnetty määrä","P ","Tieto myönnetystä määrästä on pakollinen tieto, jos luotto on kertaluotto (ml. opintolainan takaussaatava).\nMyönnetyn määrän arvon tulee olla suurempi kuin 0.\n\nMikäli tietoa ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli myönnetty määrä on ilmoitettu nollana tai negatiivisena lukuna, muodostetaan virheviesti.\n"]
[null,null,null,null,"Myönnetyn määrän on oltava yhtäsuuri tai suurempi kuin nostetun määrän.\n\nMikäli myönnetty määrä on ilmoitettu pienemmäksi kuin nostettu määrä, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa myönnetystä määrästä ei saa antaa, jos luoton tyyppi on jatkuva luotto tai leasing\n\nMikäli tieto on annettu, muodostetaan virheviesti\n"]
[null,null,"Kertaluotto - Nostettu määrä","P ","Tieto nostetusta määrästä on pakollinen tieto, jos luotto on kertaluotto (ml. opintolainan takaussaatava).\nNostettu määrä voi olla arvoltaan yhtäsuuri tai suurempi kuin 0.\n\nMikäli tietoa ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli nostettu määrä on ilmoitettu negatiivisena lukuna, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa nostetusta määrästä ei saa antaa, jos luoton tyyppi on jatkuva luotto tai leasing\n\nMikäli tieto on annettu, muodostetaan virheviesti\n"]
[null,null,"Kertaluotto - Luoton saldo","P ","Tieto luoton saldosta on pakollinen tieto, jos luotto on kertaluotto (ml. opintolainan takaussaatava). Luoton saldon on oltava arvoltaan yhtäsuuri tai suurempi kuin 0.\n\nMikäli tietoa ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli luoton saldo on ilmoitettu negatiivisena lukuna, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa luoton saldosta ei saa antaa, jos luoton tyyppi on jatkuva luotto tai leasing\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Jatkuva luotto - Luottoraja","P","Tieto luottorajasta on pakollinen tieto, jos luoton tyyppi on jatkuva luotto. Luottorajan on oltava arvoltaan suurempi kuin 0.\n\nMikäli tietoa ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli luottoraja on ilmoitettu nollana tai negatiivisena lukuna, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa luottorajasta ei saa antaa, jos luoton tyyppi on kertaluotto (ml. opintolainan takaussaatava) tai leasing\n\nMikäli tieto on annettu, muodostetaan virheviesti\n"]
[null,null,"Leasingsopimus - sopimuskauden alkupäivä","P","Tieto leasingsopimuksen sopimuskauden alkupäivästä on pakollinen leasing luotossa. \n\nTieto annetaan muodossa VVVV-KK-PPTHH:MM:SS. Aikavyöhykkeen on oltava UTC.\nAjankohdan voi ilmoittaa myös ilman kellonaikaa muodossa VVVV-KK-PP.\nMinimi päivämääränä käytetään (1900-01-01T00:00:00)\nMaksimi päivämääränä käytetään (9999-12-31T23:59:59)\n\nMikäli tieto on annettu väärässä muodossa, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli tietoa sopimuskauden alkupäivästä ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa luotosta käytetyn määrän arvopäivästä ei saa antaa, jos luoton tyyppi on kertaluotto (ml. opintolainan takaussaatava) tai jatkuva luotto\n\nMikäli tieto on annettu, muodostetaan virheviesti\n"]
[null,null,"Leasingsopimus - kuukausittainen maksuerä","P ","Tieto kuukausittaisesta maksuerästä on pakollinen tieto, jos luoton tyyppi on leasing luotto. Kuukausittaisen maksuerän on oltava arvoltaan suurempi kuin 0.\n\nMikäli tietoa ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli maksuerä on ilmoitettu nollana tai negatiivisena lukuna, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa kuukausittaisesta maksuerästä ei saa antaa, jos luoton tyyppi on kertaluotto (ml. opintolainan takaussaatava) tai jatkuva luotto\n\nMikäli tieto on annettu, muodostetaan virheviesti\n"]
[null,null,"Leasingsopimus - Maksuerään sisältyvä korko","P ","Tieto maksuerään sisältyvästä korosta on pakollinen tieto, jos luoton tyyppi on leasing luotto. Maksuerään sisältyvän koron on oltava arvoltaan yhtäsuuri tai suurempi kuin 0.\n\nMikäli tietoa ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli maksuerään sisältyvä korko on ilmoitettu negatiivisena lukuna, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa maksuerään sisältyvästä korosta ei saa antaa, jos luoton tyyppi on kertaluotto (ml. opintolainan takaussaatava) tai jatkuva luotto\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Leasingsopimus - Maksuerään sisältyvät muut kustannukset","P ","Tieto maksuerään sisältyvistä muista kustannuksista on pakollinen tieto, jos luoton tyyppi on leasing luotto. Maksuerään sisältyvien muiden kustannusten on oltava arvoltaan yhtäsuuri tai suurempi kuin 0.\n\nMikäli tietoa ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli maksuerään sisältyvät muut kustannukset on ilmoitettu negatiivisena lukuna, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa maksuerään sisältyvistä muista kustannuksista ei saa antaa, jos luoton tyyppi on kertaluotto (ml. opintolainan takaussaatava) tai jatkuva luotto\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Leasingsopimus - Loppukauppahinta","V","Tieto loppukauppahinnasta on vapaaehtoinen tieto, jos luoton tyyppi on leasing luotto. Loppukauppahinnan on oltava arvoltaan yhtäsuuri tai suurempi kuin 0.\n\nMikäli loppukauppahinta on ilmoitettu negatiivisena lukuna, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa maksuerään sisältyvistä muista kustannuksista ei saa antaa, jos luoton tyyppi on kertaluotto (ml. opintolainan takaussaatava) tai jatkuva luotto\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Korko - Kokonaiskorko","P ","Tieto kokonaiskorosta on pakollinen, jos luoton tyyppi on kertaluotto (poislukien opintolainan takaussaatava) tai jatkuva luotto. Kokonaiskoron on oltava arvoltaan yhtäsuuri tai suurempi kuin 0.\n\nMikäli tietoa ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli kokonaiskorko on ilmoitettu negatiivisena lukuna, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa kokonaiskorosta ei saa antaa, jos luoton tyyppi on opintolainan takaussaatava tai leasing.\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Korko - Marginaalikorko","E","Tieto marginaalikorosta on pakollinen, jos luoton tyyppi on kertaluotto (poislukien opintolainan takaussaatava) tai jatkuva luotto ja koron tyyppi on euribor, pankin oma viitekorko tai muu vaihtuva viitekorko. Marginaalikoron on oltava arvoltaan yhtäsuuri tai suurempi kuin 0.\n\nMikäli tietoa ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli marginaalikorko on ilmoitettu negatiivisena lukuna, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa marginaalikorosta ei saa antaa, jos luoton tyyppi on opintolainan takaussaatava tai leasing.\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Korko - Koron tyyppi","P ","Tieto koron tyypistä on pakollinen, jos luoton tyyppi on kertaluotto (poislukien opintolainan takaussaatava) tai jatkuva luotto.\n\nKoron tyyppinä voidaan ilmoittaa jokin seuraavista:\n- Euriborkorko (Euribor)\n- Pankin oma viitekorko (BankReferenceRate)\n- Muu vaihtuva viitekorko (OtherVariableReferenceRate)\n- Kiinteä korko (FixedInterest)\n- Koroton (InterestFree)\n\nMikäli koron tyyppiä ei ole ilmoitettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli koron tyyppi on ilmoitettu virheellisessä muodossa, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa koron tyypistä ei saa antaa, jos luoton tyyppi on opintolainan takaussaatava tai leasing.\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Korko - Koronmääräytymisjakson pituus","E ","Tieto koronmääräytymisjakson pituudesta on pakollinen, jos luoton tyyppi on kertaluotto (poislukien opintolainan takaussaatava) tai jatkuva luotto ja koron tyyppi on euriborkorko. Koronmääräytymisjakson pituuden on oltava arvoltaan suurempi kuin 0.\n\nMikäli koronmääräytymisjakson pituutta ei ole ilmoitettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli tieto koronmääräytymisjakson pituudesta on annettu negativiisena tai lukuna 0, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa koronmääräytymisjakson pituudesta ei saa antaa, jos luoton tyyppi on opintolainan takaussaatava tai leasing.\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Korko - Kiinteän koron jakson loppupäivä","V","Tieto kiinteän koron jakson loppupäivästä on vapaaehtoinen. Tieto voidaan antaa, jos luoton tyyppi on kertaluotto (poislukien opintolainan takaussaatava) tai jatkuva luotto.\n\nTieto tulee ilmoittaa muodossa VVVV-KK-PPTHH:MM:SS. Aikavyöhykkeen on oltava UTC.\nAjankohdan voi ilmoittaa myös ilman kellonaikaa muodossa VVVV-KK-PP.\nMinimi päivämääränä käytetään (1900-01-01T00:00:00)\nMaksimi päivämääränä käytetään (9999-12-31T23:59:59)\n\nMikäli tieto on ilmoitettu virheellisessä muodossa, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa kiinteän koron jakson loppupäivästä ei saa antaa, jos luoton tyyppi on opintolainan takaussaatava tai leasing.\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Korko - Korkosidonnaisuuden tyyppi kiinteän koron jakson jälkeen ","V","Tieto korkosidonnaisuuden tyypistä kiinteän koron jakson jälkeen on vapaaehtoinen. Tieto voidaan antaa, jos luoton tyyppi on kertaluotto (poislukien opintolainan takaussaatava) tai jatkuva luotto.\nSallittuja koron tyyppejä ovat \n- euriborkorko,\n- pankin oma viitekorko\n- muu vaihtuva korko.\n- koroton\n\nMikäli tieto on ilmoitettu virheellisellä arvolla, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa korkosidonnaisuuden tyyppi kiinteän koron jakson jälkeen ei saa antaa, jos luoton tyyppi on opintolainan takaussaatava tai leasing.\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Korko - Korkoputken alaraja ","E","Tieto korkoputken alarajasta on pakollinen tieto, jos korkoputken yläraja on ilmoitettu. Tieto voidaan antaa, jos luoton tyyppi on kertaluotto (poislukien opintolainan takaussaatava) tai jatkuva luotto. Korkoputken alarajan on oltava arvoltaan väliltä 0 - 100.\n\nMikäli korkoputken alarajaksi on ilmoitettu negatiivinen luku tai luku, joka on yli 100, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli korkoputken yläraja on ilmoitettu, mutta korkoputken alarajaa ei ole ilmoitettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli korkoputken alaraja on ilmoitettu suuremmaksi kuin korkoputken yläraja, muodostetaan virheviesti.\n"]
[null,null,null,null,"Jos luotolle on ilmoitettu korkokatto, korkoputken alarajaa ei voida antaa. \n\nMikäli korkoputken alaraja on ilmoitettu samanaikaisesti korkokaton kanssa, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa korkoputken alarajasta ei saa antaa, jos luoton tyyppi on opintolainan takaussaatava tai leasing.\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Korko - Korkoputken yläraja","E ","Tieto korkoputken yläraja on pakollinen tieto, jos korkoputken alaraja on ilmoitettu. Tieto voidaan antaa, jos luoton tyyppi on kertaluotto (poislukien opintolainan takaussaatava) tai jatkuva luotto. Korkoputken ylärajan on oltava arvoltaan väliltä 1 - 100.\n\nMikäli korkoputken ylärajaksi on ilmoitettu negatiivinen luku, nolla tai luku, joka on yli 100, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli korkoputken alaraja on ilmoitettu, mutta korkoputken ylärajaa ei ole ilmoitettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Jos luotolle on ilmoitettu korkokatto, korkoputken ylärajaa ei voida antaa. \n\nMikäli korkoputken yläraja on ilmoitettu samanaikaisesti korkokaton kanssa, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa korkoputken ylärajasta ei saa antaa, jos luoton tyyppi on opintolainan takaussaatava tai leasing.\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Korko - Korkokatto","V","Tieto korkokatosta on vapaaehtoinen. Tieto voidaan antaa, jos luoton tyyppi on kertaluotto (poislukien opintolainan takaussaatava) tai jatkuva luotto. Korkokaton on oltava arvoltaan väliltä 1 - 100.\n\nMikäli korkokaton arvoksi on ilmoitettu negatiivinen luku, nolla tai luku, joka on yli 100, muodostetaan virheviesti.\n"]
[null,null,null,null,"Jos luotolle on ilmoitettu korkoputken yläraja ja / tai korkoputken alaraja, korkokattoa ei voida ilmoittaa.\n\nMikäli korkokatto on ilmoitettu samanaikaisesti korkoputken alarajan ja/tai korkoputken ylärajan kanssa, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa korkokatosta ei saa antaa, jos luoton tyyppi on opintolainan takaussaatava tai leasing.\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Korko - Korkosuojauksen loppupäivä","E","Tieto korkosuojauksen loppupäivästä on pakollinen tieto, jos luotolle on ilmoitettu korkoputken alaraja ja korkoputken yläraja tai korkokatto. \n\nTieto voidaan antaa ainoastaan, jos luoton tyyppi on kertaluotto (poislukien opintolainan takaussaatava) tai jatkuva luotto.\n\nTieto tulee ilmoittaa muodossa VVVV-KK-PPTHH:MM:SS. Aikavyöhykkeen on oltava UTC.\nAjankohdan voi ilmoittaa myös ilman kellonaikaa muodossa VVVV-KK-PP.\nMinimi päivämääränä käytetään (1900-01-01T00:00:00)\nMaksimi päivämääränä käytetään (9999-12-31T23:59:59)\n\nMikäli tieto on annettu väärässä muodossa, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli tietoa korkosuojauksen loppupäivästä ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa korkosuojauksen loppupäivästä ei saa antaa, jos luoton tyyppi on opintolainan takaussaatava tai leasing.\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Korko - Todellinen vuosikorko sopimushetkellä","V","Tieto todellisesta vuosikorosta sopimushetkellä on vapaaehtoinen. Tieto voidaan antaa, jos luoton tyyppi on kertaluotto (poislukien opintolainan takaussaatava) tai jatkuva luotto. Todellisen vuosikoron sopimushetkellä on oltava arvoltaan suurempi tai yhtäsuuri kuin 0.\n\nMikäli todellinen vuosikorko sopimushetkellä on ilmoitettu negatiivisena lukuna, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa todellisesta vuosikorosta sopimushetkellä ei saa antaa, jos luoton tyyppi on opintolainan takaussaatava tai leasing.\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,"Lyhennysvapaita jaksoja voi olla vain yksi kerrallaan voimassa.","Lyhennysvapaa - Lyhennysvapaan alkupäivä","E","Tieto lyhennysvapaan alkupäivästä on pakollinen tieto, jos luotolle on ilmoitettu lyhennysvapaan loppupäivä. \n\nTieto voidaan antaa ainoastaan, jos luoton tyyppi on kertaluotto (poislukien opintolainan takaussaatava) tai jatkuva luotto.\n\nTieto tulee ilmoittaa muodossa VVVV-KK-PPTHH:MM:SS. Aikavyöhykkeen on oltava UTC.\nAjankohdan voi ilmoittaa myös ilman kellonaikaa muodossa VVVV-KK-PP.\nMinimi päivämääränä käytetään (1900-01-01T00:00:00)\nMaksimi päivämääränä käytetään (9999-12-31T23:59:59)\n\nMikäli tieto on annettu väärässä muodossa, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli tietoa lyhennysvapaan alkupäivästä ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Lyhennysvapaan alkupäivän tulee olla aikaisempi kuin lyhennysvapaan loppupäivän. \n\nMikäli alkupäivä on myöhäisempi kuin loppupäivä, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa lyhennysvapaan alkupäivästä ei saa antaa, jos luoton tyyppi on opintolainan takaussaatava tai leasing.\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,"Lyhennysvapaita jaksoja voi olla vain yksi kerrallaan voimassa.","Lyhennysvapaa - Lyhennysvapaan loppupäivä","E","Tieto lyhennysvapaan loppupäivästä on pakollinen tieto, jos luotolle on ilmoitettu lyhennysvapaan alkupäivä. \n\nTieto voidaan antaa ainoastaan, jos luoton tyyppi on kertaluotto (poislukien opintolainan takaussaatava) tai jatkuva luotto.\n\nTieto tulee ilmoittaa muodossa VVVV-KK-PPTHH:MM:SS. Aikavyöhykkeen on oltava UTC.\nAjankohdan voi ilmoittaa myös ilman kellonaikaa muodossa VVVV-KK-PP.\nMinimi päivämääränä käytetään (1900-01-01T00:00:00)\nMaksimi päivämääränä käytetään (9999-12-31T23:59:59)\n\nMikäli tieto on annettu väärässä muodossa, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli tietoa lyhennysvapaan loppupäivästä ei ole annettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tietoa lyhennysvapaan loppupäivästä ei saa antaa, jos luoton tyyppi on opintolainan takaussaatava tai leasing.\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Vakuustiedot - Vakuuden tyyppi","P","Vakuuden tyyppi kuuluu tietoryhmään, joka on pakollinen, jos luotto on ilmoitettu vakuudelliseksi luotoksi.\nVakuuden tyypiksi on valittavissa seuraavat vaihtoehdot:\n- Asunto tai kiinteistö (ApartmentOrRealEstate)\n- Osamaksurahoituksen kohde (InstalmentSaleItem)\n- Muu irtain omaisuus (OtherMoveableProperty)\n- Muu vakuus (OtherCollateral)\n- Henkilötakaus (PersonalGuarantee)\n- Valtiontakaus (GovernmentGuarantee)\n- Muu takaus (OtherGuarantee)\n\nMikäli tieto on ilmoitettu virheellisellä arvolla, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli luotto on ilmoitettu vakuudelliseksi eikä vakuuden tyyppiä ole ilmoitettu, muodostetaan virheviesti.\n"]
[null,null,null,null,"Vakuuden tyyppiä ei saa antaa, jos luotto ei ole vakuudellinen.\n\nMikäli vakuuden tyyppi on ilmoitettu luoton ollessa vakuudeton, muodostetaan virheviesti.\n"]
[null,null,"Vakuustiedot - Vakuuden tyyppi - Takaaja - Tunnisteen tyyppi","E","Tunnisteen tyyppi kuuluu tietoryhmään, joka on pakollinen, jos luotto on ilmoitettu vakuudelliseksi luotoksi ja jos vakuuden tyypiksi on valittu henkilötakaus. Tunnisteen tyypiksi on valittavissa ainoastaan henkilötunnus.\n\nMikäli tieto on ilmoitettu virheellisellä arvolla, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli luotto on ilmoitettu vakuudelliseksi ja vakuuden tyyppiksi on ilmoitettu henkilötakaus, mutta tunnisteen tyyppiä ei ole ilmoitettu, muodostetaan virheviesti\n"]
[null,null,null,null,"Tunnisteen tyyppi tietoa ei saa antaa, jos luotto ei ole vakuudellinen ja/tai vakuuden tyypiksi on valittu jokin muu vakuuden tyyppi kuin henkilötakaus.\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
[null,null,"Vakuustiedot - Vakuuden tyyppi - Takaaja - Tunniste","E","Tunniste kuuluu tietoryhmään, joka on pakollinen, jos luotto on ilmoitettu vakuudelliseksi luotoksi ja jos vakuuden tyypiksi on valittu henkilötakaus. Tunnisteena voidaan ilmoittaa ainoastaan henkilötunnus. Henkilötunnuksen oikeamuotoisuus tarkistetaan ilmoitettaessa. Henkilötunnuksen tulee löytyä rekisteristä.\n\nMikäli tieto on ilmoitettu virheellisessä muodossa, muodostetaan virheviesti.\n"]
[null,null,null,null,"Mikäli luotto on ilmoitettu vakuudelliseksi ja vakuuden tyyppiksi on ilmoitettu henkilötakaus, mutta tunnistetta ei ole ilmoitettu, muodostetaan virheviesti\n"]
[null,null,null,null,"Mikäli henkilötunnusta ei löydy rekisteristä, muodostetaan virheviesti.\n"]
[null,null,null,null,"Sama henkilötunnus saa olla vain yhden kerran ilmoitettuna takaajan tunnisteena. \n\nMikäli sama henkilötunnus on ilmoitettu useamman kerran takaajana, muodostetaan virheviesti.\n"]
[null,null,null,null,"Sama henkilötunnus ei saa olla samanaikaisesti luotonsaajana sekä takaajana samassa luotossa.\n\nMikäli henkilötunnus on ilmoitettu luotonsaajana ja takaajana samassa luotossa samanaikaisesti, muodostetaan virheviesti.\n"]
[null,null,null,null,"Tunnistetta ei saa antaa, jos luotto ei ole vakuudellinen ja/tai vakuuden tyypiksi on valittu jokin muu vakuuden tyyppi kuin henkilötakaus.\n\nMikäli tieto on annettu, muodostetaan virheviesti.\n"]
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["Käsittelysääntö toiveita / ideoita (Ei toteutuksessa)"]
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[null,null,"Opintolainan takaussaatava - Vakuustiedot",null,"Mikäli luoton tyyppi on opintolainan takaussaatava, luotto on ilmoitettava vakuudettomana.\nMikäli luotto on ilmoitettu vakuudellisena, muodostetaan virheviesti.\n\nOpintolainan takaussaatavalle ei voi ilmoittaa vakuuden tietoja, mikäli vakuustiedot on annettu, muodostetaan virheviesti.\n",null,null,null,"Toive / Idea"]
[null,null,"Luoton käyttötarkoitus - opintolaina - Vakuuden tyyppi",null,"Mikäli luoton käyttötarkoitus on opintolaina, vakuuden tyypiksi on ilmoitettava valtiontakaus.\n\nMikäli opintolainalle on ilmoitettu vakuuden tyypiksi, jokin muu kuin valtiontakaus, muodostetaan virheviesti. \n",null,null,null,"Toive / Idea"]
[null,null,"Opintolainan takaussaatava - Vertaislaina",null,"Jos luoton tyyppi on opintolainan takaussaatava, luotto ei voi olla vertaislaina. \n\nMikäli opintolainan takaussaatava on ilmoitettu vertaislainana, muodostetaan virheviesti.\n",null,null,null,"Toive / Idea"]
[null,null,"Kertaluotto - Maksuohjelman viimeinen eräpäivä",null,"Maksuohjelman viimeinen eräpäivä ei voi olla aikaisempi kuin luottosopimuksen tekopäivämäärä.\n\nMikäli viimeinen eräpäivä on aikaisempi kuin luottosopimuksen tekopäivämäärä, muodostetaan virheviesti.\n",null,null,null,"Toive / Idea"]
[null,null,"Opintolainan takaussaatava - Velallisten määrä",null,"Opintolainan takaussaatavassa velallisten määrä on aina 1.\n\nMikäli velallisia on ilmoitettu enemmän kuin 1 tai luotolle on lisätty useampia henkilötunnuksia luotonsaajana, muodostetaan virheviesti.\n",null,null,null,"Toive / Idea"]

{"sheet":"3 Changes to loans API","index":5,"n_rows":218,"n_cols":5,"rows_kept":218,"cut":false,"hidden":false,"merged":[]}
["Keyword","P = Required\nV = Optional\nE = Conditional","Processing rule","Error code","Error description"]
["General – Report on changes to loan contract information",null,"Changes to loan contract information may not be reported for a loan that has been cancelled.\n\nIf changes to loan contract information are reported for a loan that has been cancelled, an error message is generated.\n","E11","A change to loan information may not be reported for a loan that has been cancelled."]
["General – Report on changes to loan contract information – Minimum number of subelements",null,"At least one change to loan contract information must be reported in the batch. The maximum size of the batch can be checked in the general instructions for application developers. \n\nIf not a single change to loan contract information is included in the batch, an error message is generated.\n","D30","Loans must contain at least 1 element. \n"]
["General - Unknown data field",null,"Only data fields mentioned in the API description may be reported in the API. If a report includes a data field that is not mentioned in the API description, an error is generated.\n","B02","X is an unknown data field. "]
["Report type","P ","The report type is required data. Permissible code values:\n- New report (NewReport)\n- Error correction (ErrorCorrection)\n\nIf some other value has been reported for the report type, an error message is generated.\n","C40","The code value for ReportType is invalid."]
["Report type",null,"If the report type has not been submitted, an error message is generated.\n","B00","ReportType is missing. This is a required data element."]
["Report reference","P","The report reference is required data. Each report reference in the batch must be unique.\n\nIf no report reference has been given, an error message is generated.\n","B00","ReportReference is missing. This is a required data element."]
["Report reference",null,"If the batch contains several reports with the same report reference, an error message is generated.\n","E00","You cannot give the same ReportReference in the batch more than once."]
["Report reference",null,"The characters allowed in string-type data are defined in the document Reporting data on loan contracts – API description (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the format of Report reference is invalid, an error message is generated.\n","C30","ReportReference contains forbidden characters. Check the allowed characters in the API description."]
["Report reference",null,"If the report reference contains more than 64 characters, an error message is generated.\n","D11","ReportReference is too long. The maximum number of characters is 64."]
["Type of loan number","P","The type of loan number is required data. Permissible code values:\n- IBAN number (Iban)\n- BBAN number (Bban)\n- Other loan number (Other)\n\nIf some other value has been reported for the type of loan number, an error message is generated.\n","C40","The code value for Type of loan number is invalid.\n"]
["Type of loan number",null,"If the type of loan number has not been reported, an error message is generated.\n","B00","Type is missing. This is a required data element. \n\n"]
["Loan number ","P","The combination of loan number and type of loan number must be found in the register.\n\nIf the combination of loan number and type of loan number is not found in the register, an error message is generated.","E01","The combination of loan number and loan number type is not found in the register. Number: X, Type: X. \n\n\n"]
["Loan number ",null,"If no loan number has been reported, an error message is generated.\n","B00","Number is missing. This is a required data element.\n"]
["Loan number ",null,"The characters allowed in string-type data are defined in the document Reporting data on loan contracts – API description (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the format of Loan number is invalid, an error message is generated.\n","C30","Number contains forbidden characters. Check the allowed characters in the API description."]
["Loan number ",null,"If the loan number contains more than 64 characters, an error message is generated.\n","D11","Number is too long. The maximum number of characters is 64."]
["New loan number – Type of loan number","E","The loan number type can be changed with a report on changes to loan contract information. Permissible code values:\n- IBAN number (Iban)\n- BBAN number (Bban)\n- Other loan number (Other)\n\nIf some other value has been reported for the type of loan number, an error message is generated.\n","C40","The code value for Type of loan number is invalid."]
["New loan number – Type of loan number",null,"The type of loan number is required data if a new loan number has been reported for the loan. \n\nIf a new loan number has been reported for the loan but the type of loan number has not been reported, an error message is generated.\n","B00","Type is missing. This is a required data element. \n\n"]
["New loan number – Loan number ","E","The loan number can be changed with a report on changes to loan contract information. The loan number must be unique.\n\nIf the lender has previously used the same loan number and the number is found in the system, an error message is generated.\n","E00","The loan number is already in the register. The data element must be unique."]
["New loan number – Loan number ",null,"The loan number is required data if a new loan number type has been reported for the loan. \n\nIf a new loan number type has been reported for the loan but the loan number has not been reported, an error message is generated.\n","B00","Number is missing. This is a required data element.\n"]
["New loan number – Loan number ",null,"If the existing loan number is reported as the new loan number, an error message is generated.\n\n","E00","The NewLoanNumber is already in the register. The data element must be unique."]
["New loan number – Loan number ",null,"The characters allowed in string-type data are defined in the document Reporting data on loan contracts – API description (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the format of Loan number is invalid, an error message is generated.\n","C30","Number contains forbidden characters. Check the allowed characters in the API description."]
["New loan number – Loan number ",null,"If the loan number contains more than 64 characters, an error message is generated.\n","D11","Number is too long. The maximum number of characters is 64."]
["Lender is a peer-to-peer loan broker   ","E","Information that the lender is a peer-to-peer loan broker is a required data element if the date of conclusion is the same or later than the date of rollout (1 February 2024). If the date of conclusion is earlier than 1 February 2024, the data element is optional.\n\nIf the date of conclusion is earlier than 1 February 2024, the value reported in the field can be ‘true’, ‘false’ or ‘null’.\n\nIf the date of conclusion is 1 February 2024 or after, the value reported in the field must be ‘true’ or ‘false’.\n\nIf the date of conclusion is 1 February 2024 or after but the data element has not been reported, an error message is generated.\n","B01","IsPeerToPeerLoanBroker is missing. This data element is required if the date of contract conclusion is the same or later than the date of the Positive credit register rollout (1 February 2024)."]
["Lender is a peer-to-peer loan broker   ",null,"If the format of Lender is a peer-to-peer loan broker is invalid, an error message is generated.\n","C00","The data element IsPeerToPeerLoanBroker is in an incorrect format."]
["Lender’s name for marketing purposes       ","P","The lender’s name for marketing purposes is a required data element.\n\nIf the lender’s name for marketing purposes has not been reported, an error message is generated.\n","B00","LenderMarketingName is missing. This is a required data element."]
["Lender’s name for marketing purposes       ",null,"The characters allowed in string-type data are defined in the document Reporting data on loan contracts – API description (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the format of Lender’s name for marketing purposes is invalid, an error message is generated.\n","C30","LenderMarketingName contains forbidden characters. Check the allowed characters in the API description."]
["Lender’s name for marketing purposes       ",null,"If the lender’s name for marketing purposes contains more than 64 characters, an error message is generated.\n","D11","LenderMarketingName is too long. The maximum number of characters is 64."]
["Number of debtors ","P","The number of debtors is required data. The number must be an integer and equal to or more than 1. The number of debtors includes both debtors who have a Finnish personal identity code and debtors who do not have a Finnish personal identity code.\n\nIf the number of debtors has not been reported, an error message is generated.\n","B00","BorrowersCount is missing. This is a required data element."]
["Number of debtors ",null,"If the number of debtors is negative or 0, an error message is generated.\n","D00","The value for BorrowersCount must be at least 1."]
["Number of debtors ",null,"The number of debtors may not be smaller than the number of personal identity codes reported as borrowers. \n\nIf the number of debtors is smaller than the number of personal identity codes reported as borrowers, an error message is generated.\n","E40","BorrowersCount may not be smaller than the number of elements in Borrowers. \n"]
["Number of debtors ",null,"If the format of Number of debtors is invalid, an error message is generated.\n","C10","BorrowersCount is in an incorrect format. "]
["Date of conclusion ","E","The date of conclusion is required data if the loan contract information recorded in the register includes the date of conclusion.\n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC. The date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the date of conclusion has been recorded in the loan information but it has not been submitted in a report on changes to loan contract information, an error message is generated.\n","B01","ContractDate is missing. This is a required data element if the loan contract information recorded in the register contains ContractDate."]
["Date of conclusion ",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the date of conclusion is earlier than 1 January 1900, an error message is generated.\n","D20","ContractDate may not be earlier than 1 January 1900. "]
["Date of conclusion ",null,"If the format of Date of conclusion is invalid, an error message is generated.\n","C20","ContractDate is in an incorrect format. \n"]
["One-time service fees payable when a loan contract is concluded","V","In stage 2 of the register the data field has been changed to be technically optional. The one-time service fees must be reported as a decimal and be equal to or more than 0.\n\nIf the value reported for One-time service fees payable when a loan contract is concluded is less than 0, an error message is generated.\n","D00","OneTimeServiceFees cannot be negative. \n\n\n"]
["One-time service fees payable when a loan contract is concluded",null,"If the format of One-time service fees payable when a loan contract is concluded is invalid, an error message is generated.\n","C11","OneTimeServiceFees is in an incorrect format. \n\n"]
["Loan type ","P","The loan type is required data. Permissible code values:\n- Lump-sum loan (LumpSumLoan)\n- Running-account loan (RunningAccountLoan)\n- Leasing (Leasing)\n- Guarantee receivable for a student loan (GuaranteeReceivable)\n\nThe loan type can be ‘guarantee receivable for a student loan’ only if the batch owner is Kela. Kela may not report other types of loans.\n\nIf other than a permissible code value has been reported for loan type, an error message is generated.\n","C40","The code value for LoanType is invalid."]
["Loan type ",null,"If no loan type has been reported, an error message is generated.\n","B00","LoanType is missing. This is a required data element."]
["Loan type ",null,"The loan type may not be changed with a report on changes to loan contract information. If the loan type specified in the loan contract information recorded in the register needs to be changed, the loan must be cancelled and re-reported to the register.\n\nIf the loan type reported is other than the loan type specified in the loan contract information recorded in the register, an error message is generated.\n","C40","LoanType must be the same as in the loan contract information saved in the register. "]
[null,null,"If the batch owner is not Kela but the reported loan type is ‘guarantee receivable for a student loan’, an error message is generated.","D50","LoanType can be Guarantee receivable for a student loan only if the batch owner is Kela."]
["Loan with collateral","E ","Loan with collateral is a required data element if the loan type is ‘lump-sum loan’, ‘running-account loan’ or ‘guarantee receivable for a student loan’.\n\nThe value entered in the field can be ‘true’ or ‘false’.\n\nIf the loan type is ‘lump-sum loan’, ‘running-account loan’ or ‘guarantee receivable for a student loan’ but no value has been reported for Loan with collateral, an error message is generated.\n","B00","The data element IsLoanWithCollateral is missing. This is a required data element."]
["Loan with collateral",null,"If the format of Loan with collateral is invalid, an error message is generated.\n","C00","The data element IsLoanWithCollateral is in an incorrect format."]
["Loan with collateral",null,"No value may be reported for Loan with collateral if the loan type is ‘leasing’.\n\nIf the loan type is ‘leasing’ and a value has been reported for Loan with collateral, an error message is generated.\n","B02","IsLoanWithCollateral is an unknown data field. \n"]
["Transferred from another lender \n","V","Information that the loan has been transferred from another lender is an optional data element. The value entered in the field can be ‘true’, ‘false’ or ‘null’.\n\nIf the format is invalid, an error message is generated.\n","C00","The data element IsTransferredFromAnotherLender is in an incorrect format."]
["Borrowers – General – Maximum number",null,"The list of borrowers must contain every borrower with a Finnish personal identity code. The maximum number of borrowers is 64.\n\nIf the list contains more than 64 borrowers, an error message is generated.\n","D31","You cannot report more than 64 borrowers."]
["Borrowers – General – Minimum number",null,"At least 1 borrower must be reported for each loan.\n\nIf not a single borrower has been reported for the loan (list with no elements), an error message is generated.\n","D30","Borrowers must contain at least 1 element.\n"]
["Borrowers – Type of ID code","P","The type of borrower ID code is required data. Permissible code value:\n- Personal identity code (PersonalIdentityCode)\n\nIf some other value has been reported for the type of borrower ID code, such as a Business ID or a foreign business ID, an error message is generated.\n","C40","The code value for IdCodeType is invalid."]
["Borrowers – Type of ID code",null,"If the type of ID code is not reported, an error message is generated.\n","B00","IdCodeType is missing. This is a required data element."]
["Borrowers – ID code","P ","The borrower’s ID code is required data. The ID code must be in the personal identity code format and it must be found in the register. The same ID code can be reported as a borrower in the same loan only once.\n\nIf no ID code has been reported, an error message is generated.\n","B00","IdCode is missing. This is a required data element."]
["Borrowers – ID code",null,"The borrower’s ID code must consist of 11 characters.\n\nIf the ID code contains less than 11 characters, an error message is generated.\n","D10","IdCode is too short. The minimum number of characters is 11."]
["Borrowers – ID code",null,"If the format of ID code is invalid, an error message is generated.\n","E21","The identifier is invalid. "]
["Borrowers – ID code",null,"The allowed characters are:\n- letters ABCDEFHJKLMNPRSTUVWXY\n- numbers 0–9\n- symbols + and -\n\nIf the ID code contains characters that are not allowed, an error message is generated.\n","C50","The identifier contains characters that are not allowed. The allowed characters are letters ABCDEFHJKLMNPRSTUVWXY, numbers 0–9 and symbols + and -. \n"]
["Borrowers – ID code",null,"The ID code must be in the format DDMMYYXNNNC, where \n- DDMMYY = date of birth\n- X = sign indicating the century of birth (‘+’ = 1800-1899, '-', Y, X, W, V, U = 1900-1999 or A, B, C, D, E, F = 2000-2099)\n- NNN = running number 002–899 (even for females, odd for males)\n- C = calculated control character, which is a number 0-9 or a capital letter A-Y (not G, I, O, Q).\n\nIf the format of the ID code is invalid, an error message is generated.\n","C50","The format of the identifier is invalid. The identifier must be in the format DDMMYYXNNNC.\n"]
["Borrowers – ID code",null,"If the date of birth in the ID code is a date that does not exist (e.g. 300299), an error message is generated.\n","C50","The format of the identifier is invalid. The date of birth must be an actual date.\n"]
["Borrowers – ID code",null,"Identifiers not found in the register will be checked with DVV.\n\nIf an identifier is not found in the register, an error is generated.\n\n","E20","IdCode not found in the register. Please submit your report again in one week."]
["Borrowers – ID code",null,"If an identifier is not found through a request submitted to DVV, an error is generated.\n\n","E21","The identifier is invalid. "]
["Borrowers – ID code",null,"If the ID code has been reported as a borrower in the same loan more than once, an error message is generated.\n","E23","You cannot give the same borrower IdCode more than once. \n\n"]
["Borrowers - Borrower’s Business ID ","V","Borrower’s Business ID is optional data. The borrower’s Business ID must be in format 1234567-8. \n\nIf the format is invalid, an error message is generated.\n","C50","The format of the BorrowerBusinessId is invalid."]
["Borrowers - Borrower’s Business ID ",null,"If the same Business ID has been reported for more than one borrower, an error message is generated.\n","E25","The same borrower’s Business ID cannot be reported more than once."]
["Borrowers - Borrower’s Business ID - Consumer Protection Act",null,"The borrower’s Business ID may not be submitted if the value entered for Loan as referred to in Consumer Protection Act is one of the following: \n- Consumer credit (chapter 7) \n- Consumer credit linked to residential property (chapter 7 a)\n\nIf the borrower’s Business ID has been reported for a consumer credit, an error message is generated. \n","E26","The borrower’s Business ID may not be submitted if the loan is a consumer credit."]
["Payment plan in a debt arrangement","V","Information that the loan issued to the borrower is included in a payment plan in a debt arrangement is an optional data element. The value entered in the field can be ‘true’, ‘false’ or ‘null’.\n\nIf the format is invalid, an error message is generated.\n","C00","The data element IsInDebtArrangement is in an incorrect format."]
["Business restructuring program","V","Information that the loan issued to the borrower is included in a business restructuring program is an optional data element.  The value entered in the field can be ‘true’, ‘false’ or ‘null’.\n\nIf the format is invalid, an error message is generated.\n","C00","The data element IsInBusinessRestructuringProgram is in an incorrect format."]
["Gross income","V","Gross income is optional data. The gross income is reported as monthly income, and the amount must be equal to or more than 0.\n\nIf the gross income is less than 0, an error message is generated.\n","D00","GrossIncomeOnFile cannot be negative. \n\n\n"]
["Gross income",null,"If the format of Gross income is invalid, an error message is generated.\n","C11","GrossIncomeOnFile is in an incorrect format."]
["Gross income",null,"Gross income established during the lending process may not be reported for a loan included in a private individual's payment plan in a debt arrangement. \n\nIf a loan is included in a payment plan in a debt arrangement and gross income is reported, an error is generated. \n","B11","You must leave the GrossIncomeOnFile data group/field blank if IsInDebtArrangement is true."]
["Gross income",null,"Gross income established during the lending process may not be reported for a loan included in a business restructuring program. \n\nIf a loan is included in a business restructuring program and gross income is reported, an error is generated.\n","B11","You must leave the GrossIncomeOnFile data group/field blank if IsInBusinessRestructuringProgram is true."]
["Net income","V","Net income is optional data. The net income is reported as monthly income, and the amount must be equal to or more than 0.\n\nIf the net income is less than 0, an error message is generated.\n","D00","NetIncomeOnFile cannot be negative. \n\n\n"]
["Net income",null,"If the format of Net income is invalid, an error message is generated.\n","C11","NetIncomeOnFile is in an incorrect format."]
["Net income",null,"Net income established during the lending process may not be reported for a loan included in a private individual's payment plan in a debt arrangement.\n\nIf a loan is included in a payment plan in a debt arrangement and net income is reported, an error is generated.\n","B11","You must leave the NetIncomeOnFile data group/field blank if IsInDebtArrangement is true."]
["Net income",null,"Net income established during the lending process may not be reported for a loan included in a business restructuring program. \n\nIf the loan is included in a business restructuring program and net income is reported, an error is generated.\n","B11","You must leave the NetIncomeOnFile data group/field blank if IsInBusinessRestructuringProgram is true."]
["Loan as referred to in the Consumer Protection Act ","E","Loan as referred to in the Consumer Protection Act is a required data element if the date of conclusion is the same or later than the date of rollout (1 February 2024).\n\nPermissible code values:\n- Consumer credit (chapter 7) (ConsumerCredit)\n- Consumer credit linked to residential property (chapter 7a) (ResidentialPropertyConsumerCredit)\n- Other than consumer credit (OtherThanConsumerCredit)\n\nIf the date of conclusion is earlier than 1 February 2024, the data element is optional.\n\nIf the date of conclusion is 1 February 2024 or after but the data element has not been reported, an error message is generated.\n","B01","LoanConsumerProtectionAct is missing. This data element is required if the date of contract conclusion is the same or later than the date of the Positive credit register rollout (1 February 2024)."]
["Loan as referred to in the Consumer Protection Act ",null,"If other than a permissible code value has been reported for Loan as referred to in Consumer Protection Act, an error message is generated.\n","C40","The code value for LoanConsumerProtectionAct is invalid."]
["Goods or services related credit","E","Goods or services related credit is a required data element if both of the following conditions are met:\n- the date of conclusion is the same or later than the date of rollout (1 February 2024)\n- the value reported for Loan as referred to in Consumer Protection Act is ‘consumer credit (chapter 7)’ or ‘Consumer credit linked to residential property (chapter 7 a)’.\n\nIf either of the two conditions is not met, the element is optional.\n\nThe value entered in the field can be ‘true’ or ‘false’.\n\nIf both the conditions are met but no value has been reported for Goods or services related credit, an error message is generated.\n","B01","IsGoodsOrServicesRelatedCredit is missing. This data element is required if LoanConsumerProtectionAct is specified."]
["Goods or services related credit",null,"If the format of Goods or services related credit is invalid, an error message is generated.\n\n","C00","The data element IsGoodsOrServicesRelatedCredit is in an incorrect format."]
["Lump-sum loan – Data group missing",null,"Lump-sum loan is a required data group if the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’. However, the data group is not reported if the loan is included in one of the following procedures:\n- payment plan in a debt arrangement (IsInDebtArrangement: true)\n- business restructuring program (IsInBusinessRestructuringProgram: true) \n\nIf the loan is not included in either of the above procedures and the Lump-sum loan data group has not been reported, an error message is generated.\n\n","B00","LumpSumLoan is missing. This is a required data group."]
["Lump-sum loan - Payment plan in a debt arrangement",null,"Data included in the LumpSumLoan data group may not be reported for a loan included in a private individual's payment plan in a debt arrangement. \n\nIf a loan is included in a payment plan in a debt arrangement and the LumpSumLoan data group is reported, an error is generated.\n","B11","You must leave the LumpSumLoan data group/field blank if IsInDebtArrangement is true."]
["Lump-sum loan - Business restructuring program",null,"Data included in the LumpSumLoan data group may not be reported for a loan included in a business restructuring program. \n\nIf the loan is included in a business restructuring program and the LumpSumLoan data group is reported, an error is generated.\n","B11","You must leave the LumpSumLoan data group/field blank if IsInBusinessRestructuringProgram is true."]
["Lump-sum loan – Loan’s purpose of use","P ","The loan’s purpose of use is required data if the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’.\n\nIf the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’ but the loan’s purpose of use has not been reported, an error message is generated.\n","B00","PurposeOfUse is missing. This is a required data element."]
[null,null,"If the loan type is ‘guarantee receivable for a student loan’ and the loan's purpose of use is some other than ‘guarantee receivable for a student loan’, an error message is generated","D50","PurposeOfUse may be Guarantee Receivable only if the Loan Type is Guarantee Receivable."]
["Lump-sum loan – Loan’s purpose of use",null,"The loan’s purpose of use may not be reported if the loan type is ‘running-account loan’ or ‘leasing’.\n\nIf the loan type is ‘running-account loan’ or ‘leasing’ and the loan’s purpose of use has been reported, an error message is generated.\n","B02","PurposeOfUse is an unknown data field."]
["Lump-sum loan – Loan’s purpose of use",null,"If data is entered in invalid format, an error is generated.\n","C40","The code value for PurposeOfUse is invalid."]
["Lump-sum loan – Loan’s purpose of use – Other than consumer credit",null,"If the loan type is ‘leasing’ and if ‘Other than consumer credit’ has been submitted for Loan as referred to in Consumer Protection Act, the loan’s allowed purposes of use are:\n- Other loan (OtherLoan)\n- Loan for operation of business (LoanForBusinessActivities)\n- Guarantee receivable for a student loan (GuaranteeReceivable)\n\nIf some other loan type has been reported, an error message is generated. \n","C40","The code value for PurposeOfUse is invalid."]
["Lump-sum loan – Loan’s purpose of use – Consumer credit ",null,"If the value reported for Loan as referred to in Consumer Protection Act is 'Consumer credit (chapter 7)' or 'Consumer credit linked to residential property (chapter 7 a)', then the allowed purposes of use are:\n- Home loan (HomeLoan)\n- Home loan for first home (HomeLoanForFirstHome)\n- Home loan for leisure house (HomeLoanForLeisureHouse)\n- Home loan for investment purposes (HomeLoanForInvestmentPurposes)\n- Student loan (StudentLoan)\n- Consumer credit for the purchase of a vehicle or craft (LoanForPurchaseOfVehicleOrCraft)\n- Other consumer credit (OtherConsumerCredit)\n\nIf some other value has been reported as the purpose of use, an error message is generated. \n","C40","The code value for PurposeOfUse is invalid."]
["Lump-sum loan – Loan’s purpose of use & borrowers business ID",null,"The borrower's Business ID may not be submitted if the loan is a consumer credit.\n\nIf the borrower's Business ID and one of the purposes of use of a consumer credit listed below have been reported for the loan, an error message is generated.\n\n- Home loan (HomeLoan)\n- Home loan for first home (HomeLoanForFirstHome)\n- Home loan for leisure house (HomeLoanForLeisureHouse)\n- Home loan for investment purposes (HomeLoanForInvestmentPurposes)\n- Student loan (StudentLoan) \n- Consumer credit for the purchase of a vehicle or craft (LoanForPurchaseOfVehicleOrCraft)\n- Other consumer credit (OtherConsumerCredit)\n- Guarantee receivable for a student loan (GuaranteeReceivable)\n","E26","The borrower’s Business ID may not be submitted if the loan is a consumer credit."]
["Lump-sum loan – Final due date according to the payment plan ","V","The final due date according to the payment plan is optional data. \n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC. \nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\nThe first possible date is 1900-01-01T00:00:00Z.\nThe last possible date is 9999-12-31T23:59:59Z.\n\nThe information must be given if a final due date has been determined for the payment plan.\n\nIf the format of Final due date according to the payment plan is invalid, an error message is generated.\n","C20","PlannedFinalDueDate is in an incorrect format. \n\n"]
["Lump-sum loan – Final due date according to the payment plan ",null,"The final due date according to the payment plan may not be reported if the loan type is ‘running-account loan’ or ‘leasing’.\n\nIf the loan type is ‘running-account loan’ or ‘leasing’ and the final due date according to the payment plan has been reported, an error message is generated.\n","B02","PlannedFinalDueDate is an unknown data field.\n"]
["Lump-sum loan – Final due date according to the payment plan ",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the final due date according to the payment plan is earlier than 1 January 1900, an error message is generated.\n","D20","PlannedFinalDueDate may not be earlier than 1 January 1900."]
["Lump-sum loan – Repayment method","P ","The repayment method is required data. Permissible code values:\n- Fixed-size amortizations (FixedSizeAmortizations)\n- Fixed-size payments (FixedSizePayments)\n- Annuity (Annuities)\n- Balloon (Balloon)\n- Bullet (Bullet)\n- Other (Other)\n\nIf no repayment method has been reported, an error message is generated.\n","B00","RepaymentMethod is missing. This is a required data element."]
["Lump-sum loan – Repayment method",null,"If other than a permissible code value has been reported for the repayment method, an error message is generated.\n","C40","The code value for RepaymentMethod is invalid."]
["Lump-sum loan – Repayment method",null,"The repayment method may not be reported if the loan type is ‘running-account loan’ or ‘leasing’.\n\nIf the loan type is ‘running-account loan’ or ‘leasing’ and the repayment method has been reported, an error message is generated.\n","B02","RepaymentMethod is an unknown data field.\n"]
["Lump-sum loan – Amortization frequency","E ","The amortization frequency is required data if the repayment method is other than ‘bullet’ or ‘other’. The amortization frequency is reported in months. The amortization frequency must be an integer and equal to or more than 1.\n\nIf the repayment method is ‘bullet’ or ‘other’, the amortization frequency is optional data.\n\nIf the repayment method is other than ‘bullet’ or ‘other’ but the amortization frequency has not been reported, an error message is generated.\n","B01","AmortizationFrequency is missing. This data element is required if RepaymentMethod is X."]
["Lump-sum loan – Amortization frequency",null,"If the value for the amortization frequency is negative or 0, an error message is generated.\n","D00","The value for AmortizationFrequency must be at least 1."]
["Lump-sum loan – Amortization frequency",null,"The amortization frequency may not be reported if the loan type is ‘running-account loan’ or ‘leasing’.\n\nIf the loan type is ‘running-account loan’ or ‘leasing’ and the amortization frequency has been reported, an error message is generated.\n","B02","AmortizationFrequency is an unknown data field.\n"]
["Lump-sum loan – Amortization frequency",null,"If the format of Amortization frequency is invalid, an error message is generated.\n","C10","AmortizationFrequency is in an incorrect format."]
["Lump-sum loan – Amortization frequency",null,"If the repayment method is ‘bullet’ and the amortization frequency has been reported, an error message is generated.\n","B11","You must leave AmortizationFrequency blank if RepaymentMethod is Bullet.\n"]
["Lump-sum loan – Amount issued","P ","The amount issued is required data if the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’. The amount issued must be reported as a decimal and be more than 0.\n\nIf the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’ but the amount issued has not been reported, an error message is generated.\n","B00","AmountIssued is missing. This is a required data element."]
["Lump-sum loan – Amount issued",null,"If the amount issued is negative or 0, an error message is generated.\n","D00","The value for AmountIssued must be greater than 0. \n"]
["Lump-sum loan – Amount issued",null,"The amount issued may not be reported if the loan type is ‘running-account loan’ or ‘leasing’.\n\nIf the loan type is ‘running-account loan’ or ‘leasing’ and the amount issued has been reported, an error message is generated.\n","B02","AmountIssued is an unknown data field.\n"]
["Lump-sum loan – Amount issued",null,"If the format of Amount issued is invalid, an error message is generated.\n","C11","AmountIssued is in an incorrect format."]
["Lump-sum loan – Amount paid","P ","The amount paid is required data if the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’. The amount paid must be reported as a decimal and be equal to or more than 0.\n\nIf the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’ but the amount paid has not been reported, an error message is generated.\n","B00","AmountPaid is missing. This is a required data element."]
["Lump-sum loan – Amount paid",null,"If the amount paid is less than 0, an error message is generated.\n","D00","AmountPaid cannot be negative. \n"]
["Lump-sum loan – Amount paid",null,"The amount paid may not be more than the amount issued.\n\nIf the amount paid is more than the amount issued, an error message is generated.\n","D00","The AmountPaid of a lump-sum loan may not be more than the AmountIssued. \n\n"]
["Lump-sum loan – Amount paid",null,"The amount paid may not be reported if the loan type is ‘running-account loan’ or ‘leasing’.\n\nIf the loan type is ‘running-account loan’ or ‘leasing’ and the amount paid has been reported, an error message is generated.\n","B02","AmountPaid is an unknown data field.\n"]
["Lump-sum loan – Amount paid",null,"If the format of Amount paid is invalid, an error message is generated.\n","C11","AmountPaid is in an incorrect format."]
["Lump-sum loan – Loan balance","V ","The loan balance must be reported as a decimal and be equal to or more than 0.\n\nIf the loan balance is less than 0, an error message is generated.\n","D00","Balance cannot be negative. \n"]
["Lump-sum loan – Loan balance",null,"The loan balance may not be reported if the loan type is ‘leasing’.\n\nIf the loan type is ‘leasing’ and the loan balance has been reported, an error message is generated.\n","B02","Balance is an unknown data field.\n"]
["Lump-sum loan – Loan balance",null,"If the format of Loan balance is invalid, an error message is generated.\n","C11","Balance is in an incorrect format."]
["Running-account loan – Data group missing\n",null,"Running-account loan is a required data group if the loan type is ‘running-account loan’. However, the data group is not reported if the loan is included in one of the following procedures:\n- payment plan in a debt arrangement (IsInDebtArrangement: true)\n- business restructuring program (IsInBusinessRestructuringProgram: true) \n\nIf the loan is not included in either of the above procedures and the Running-account loan data group has not been reported, an error message is generated.\n","B00","RunningAccountLoan is missing. This is a required data group."]
["Running-account loan – Payment plan in a debt arrangement",null,"Data included in the RunningAccountLoan data group may not be reported for a loan included in a private individual's payment plan in a debt arrangement. \n\nIf the loan is included in a payment plan in a debt arrangement and the RunningAccountLoan data group is reported, an error is generated.\n","B11","You must leave the RunningAccountLoan data group/field blank if IsInDebtArrangement is true."]
["Running-account loan – Business restructuring program",null,"Data included in the RunningAccountLoan data group may not be reported for a loan included in a business restructuring program. \n\nIf the loan is included in a business restructuring program and the RunningAccountLoan data group is reported, an error is generated.\n","B11","You must leave the RunningAccountLoan data group/field blank if IsInBusinessRestructuringProgram is true."]
["Running account loan – Credit limit","P","The credit limit is required data if the loan type is ‘running-account loan’. The credit limit must be reported as a decimal and be equal to or more than 0.\n\nIf the loan type is a ‘running-account loan’ but the credit limit has not been reported, an error message is generated.\n","B00","CreditLimit is missing. This is a required data element."]
["Running account loan – Credit limit",null,"If the credit limit is negative, an error message is generated.\n","D00","CreditLimit cannot be negative. "]
["Running account loan – Credit limit",null,"The credit limit may not be reported if the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘leasing’.\n\nIf the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘leasing’ and the credit limit has been reported, an error message is generated.\n","B02","CreditLimit is an unknown data field. "]
["Running account loan – Credit limit",null,"If the format of Credit limit is invalid, an error message is generated.\n","C11","CreditLimit is in an incorrect format."]
["Payment transaction \nof a running-account\n loan – Amount of loan balance ","P","The amount of loan balance must be reported as a decimal and be equal to or more than 0.\nIf the amount of loan balance is less than 0, an error message is generated.","D00 ","Balance cannot be negative."]
[null,null,"If the format of Amount of loan balance is invalid, an error message is generated","C11 ","Balance is in an incorrect format. "]
[null,null,"The amount of loan balance is required data if the value date for the amount of loan balance has been reported.\nIf the value date for the amount of loan balance has been reported but the amount of loan balance has not been reported, an error message is generated.","B01 ","Balance is missing. This data element is required if BalanceDate is specified. "]
["Payment transaction of a running-account\n loan \n– Value date for the amount of loan balance ","E ","The value date for the amount of loan balance is required data if the amount of loan balance has been reported.\nIf the amount of loan balance has been reported but the value date has not been reported, an error message is generated.","B01 ","BalanceDate is missing. This data element is required if Balance is specified. "]
[null,null,"The data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC.\nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\nIf the format of Value date for the amount of loan balance is invalid, an error message is generated.","C20 ","BalanceDate is in an incorrect format."]
[null,null,"The first possible date is 1900-01-01T00:00:00Z.\nIf the value date for the amount of loan balance is earlier than 1 January 1900, an error message is generated.","D20 ","BalanceDate may not be earlier than 1 January 1900. "]
[null,null,"If the value date for the amount of loan balance has been reported to be in the future, an error message is generated.","D22 ","BalanceDate may not be in the future. "]
["Leasing – Data group missing",null,"Leasing is a required data group if the loan type is ‘leasing’. However, the data group is not reported if the loan is included in one of the following procedures:\n- payment plan in a debt arrangement (IsInDebtArrangement: true)\n- business restructuring program (IsInBusinessRestructuringProgram: true) \n\nIf the loan is not included in either of the above procedures and the Leasing data group has not been reported, an error message is generated.\n","B00","LeasingContract is missing. This is a required data group."]
["Leasing -  Borrower’s Business ID submitted",null,"Leasing contracts concluded with consumers are reported to the Positive credit register. Leasing contracts concluded with natural persons other than consumers may not be reported to the register.\n\nIf the loan type is ‘leasing’ and the borrower’s Business ID has been submitted, an error message is generated.\n","B02","BorrowerBusinessId is an unknown data field"]
["Leasing - Credit concluded with natural person other than consumer",null,"Leasing contracts concluded with consumers are reported to the Positive credit register. Leasing contracts concluded with natural persons other than consumers may not be reported to the register.\n\nIf the loan type is ‘leasing’ and if ‘Other than consumer credit’ has been submitted for Loan as referred to in Consumer Protection Act, an error message is generated.\n","C40","The code value for LoanConsumerProtectionAct is invalid."]
["Leasing – Payment plan in a debt arrangement",null,"Data included in the LeasingContract data group may not be reported for a loan included in a private individual's payment plan in a debt arrangement. \n\nIf the loan is included in a payment plan in a debt arrangement and the LeasingContract data group is reported, an error is generated.\n","B11","You must leave the LeasingContract data group/field blank if IsInDebtArrangement is true."]
["Leasing – Business restructuring program",null,"Data included in the LeasingContract data group may not be reported for a loan included in a business restructuring program.\n\nIf the loan is included in a business restructuring program and the LeasingContract data group is reported, an error is generated.\n","B11","You must leave the LeasingContract data group/field blank if IsInBusinessRestructuringProgram is true."]
["Leasing contract – Start date of contract period","P","The start date of contract period is required data if the loan type is ‘leasing’. \n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SS. The time zone must be UTC. \nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the format of Start date of contract period is invalid, an error message is generated.\n","C20","ContractPeriodStartDate is in an incorrect format. \n\n"]
["Leasing contract – Start date of contract period",null,"If the loan type is ‘leasing’ but the start date of contract period has not been reported, an error message is generated.\n","B00","ContractPeriodStartDate is missing. This is a required data element."]
["Leasing contract – Start date of contract period",null,"The start date of contract period may not be reported if the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’.\n\nIf the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’ and the start date of contract period has been reported, an error message is generated.\n","B02","ContractPeriodStartDate is an unknown data field. \n"]
["Leasing contract – Start date of contract period",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the start date of contract period is earlier than 1 January 1900, an error message is generated.\n","D20","ContractDate may not be earlier than 1 January 1900."]
["Leasing contract – Monthly instalment","P ","The monthly instalment is required data if the loan type is ‘leasing’. The instalment contains all costs (principal, interest and expenses). The montly instalment must be reported as a decimal and be more than 0.\n\nIf the loan type is ‘leasing’ but the monthly instalment has not been reported, an error message is generated.\n","B00","MonthlyInstalment is missing. This is a required data element."]
["Leasing contract – Monthly instalment",null,"If the monthly instalment is negative or 0, an error message is generated.\n","D00","MonthlyInstalment cannot be negative.\n"]
["Leasing contract – Monthly instalment",null,"The monthly instalment may not be reported if the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’.\n\nIf the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’ and the monthly instalment has been reported, an error message is generated.\n","B02","MonthlyInstalment is an unknown data field. \n"]
["Leasing contract – Monthly instalment",null,"If the format of Monthly instalment is invalid, an error message is generated.\n","C11","MonthlyInstalment is in an incorrect format."]
["Leasing contract – Interest included in the instalment","P ","The interest included in the instalment is required data if the loan type is ‘leasing’. The interest included in the intalment must be reported as a decimal and be equal to or more than 0.\n\nIf the loan type is ‘leasing’ but the interest included in the instalment has not been reported, an error message is generated.\n","B00","InterestIncluded is missing. This is a required data element."]
["Leasing contract – Interest included in the instalment",null,"If the interest included in the instalment is less than 0, an error message is generated.\n","D00","InterestIncluded cannot be negative. \n"]
["Leasing contract – Interest included in the instalment",null,"No interest included in the instalment may be reported if the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’.\n\nIf the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’ and the interest included in the instalment has been reported, an error message is generated.\n","B02","InterestIncluded is an unknown data field. \n"]
["Leasing contract – Interest included in the instalment",null,"If the format of Interest included in the instalment is invalid, an error message is generated.\n","C11","InterestIncluded is in an incorrect format."]
["Leasing contract – Other expenses included in the instalment","P ","Other expenses included in the instalment is a required data element if the loan type is ‘leasing’. Other expenses included in the instalment must be reported as a decimal and be equal to or more than 0.\n\nIf the loan type is ‘leasing’ but no other expenses included in the instalment have been reported, an error message is generated.\n","B00","ExpensesIncluded is missing. This is a required data element. "]
["Leasing contract – Other expenses included in the instalment",null,"If other expenses included in the instalment are less than 0, an error message is generated.\n","D00","ExpensesIncluded cannot be negative. \n\n"]
["Leasing contract – Other expenses included in the instalment",null,"Other expenses included in the instalment may not be reported if the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’.\n\nIf the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’ and other expenses included in the instalment have been reported, an error message is generated.\n","B02","ExpensesIncluded is an unknown data field. \n"]
["Leasing contract – Other expenses included in the instalment",null,"If the format of Other expenses included in the instalment is invalid, an error message is generated.\n","C11","ExpensesIncluded is in an incorrect format."]
["Leasing contract – Transaction price","V","The transaction price is optional data and can be reported if the loan type is ‘leasing’. The transaction price must be reported as a decimal and be equal to or more than 0.\n\nIf the transaction price is less than 0, an error message is generated.\n","D00","TransactionPrice cannot be negative. \n"]
["Leasing contract – Transaction price",null,"No transaction price may be reported if the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’.\n\nIf the loan type is ‘lump-sum loan’, ‘guarantee receivable for a student loan’ or ‘running-account loan’ and the transaction price has been reported, an error message is generated.\n","B02","TransactionPrice is an unknown data field. "]
["Leasing contract – Transaction price",null,"If the format of Transaction price is invalid, an error message is generated.\n","C11","TransactionPrice is in an incorrect format."]
["Interest – Data group missing",null,"If the loan type is ‘lump-sum loan’ or ‘running-account loan’ but the Interest data group has not been reported, an error message is generated.\n","B00","Interest is missing. This is a required data group."]
["Interest – General",null,"Interest is a required data group if the loan type is ‘lump-sum loan’.\n\nThe Interest data group may not be reported if the loan type is ‘guarantee receivable for a student loan’ or ‘leasing’.\n\nIf the loan type is ‘guarantee receivable for a student loan’ or ‘leasing’ and the Interest data group has been reported, an error message is generated.\n","B02","Interest is an unknown data field."]
["Interest – Payment plan in a debt arrangement",null,"Data included in the Interest data group may not be reported for a loan included in a private individual's payment plan in a debt arrangement. \n\nIf the loan is included in a payment plan in a debt arrangement and the Interest data group is reported, an error is generated.\n","B11","You must leave the Interest data group/field blank if IsInDebtArrangement is true."]
["Interest – Business restructuring program",null,"Data included in the Interest data group may not be reported for a loan included in a business restructuring program. \n\nIf the loan is included in a business restructuring program and the Interest data group is reported, an error is generated.\n","B11","You must leave the Interest data group/field blank if IsInBusinessRestructuringProgram is true."]
["Interest – Total interest rate","V ","If the format of Total interest rate is invalid, an error message is generated.\n\n","C11","TotalInterestRatePct is in an incorrect format."]
["Interest – Margin interest rate","E","The margin interest rate is required data if the loan type is ‘lump-sum loan’ or ‘running-account loan’ and if the interest type is ‘Euribor rate’, ‘reference rate determined by the bank’ or ‘other variable rate’.\n\nIf both the above conditions are met but the margin interest rate has not been reported, an error message is generated.\n","B01","MarginPct is missing. This data element is required if InterestType is X."]
["Interest – Margin interest rate",null,"If the format of Margin interest rate is invalid, an error message is generated.\n","C11","MarginPct is in an incorrect format."]
["Interest – Interest type","P ","The interest type is required data if the loan type is ‘lump-sum loan’ or ‘running-account loan’.\n\nPermissible code values:\n- Euribor rate (Euribor)\n- Reference rate determined by the bank (BankReferenceRate)\n- Other variable rate (OtherVariableReferenceRate)\n- Fixed interest (FixedInterest)\n- Interest-free (InterestFree)\n\nIf the loan type is ‘lump-sum loan’ or ‘running-account loan’ but the interest type has not been reported, an error message is generated.\n","B00","InterestType is missing. This is a required data element."]
["Interest – Interest type",null,"If other than a permissible code value has been reported for the interest type, an error message is generated.\n","C40","The code value for InterestType is invalid."]
["Interest – Period of interest determination","E ","The period for interest determination is required data if the loan type is ‘lump-sum loan’ or ‘running-account loan’ and the interest type is ‘Euribor rate’. The value reported for the period for interest determination must be an integer and be more than 0.\n\nIf both the above conditions are met but the period for interest determination has not been reported, an error message is generated.\n","B01","InterestDeterminationPeriod is missing. This data element is required if InterestType is Euribor."]
["Interest – Period of interest determination",null,"If the value reported for the period for interest determination is negative or 0, an error message is generated.","D00","The value for InterestDeterminationPeriod must be at least 1. \n\n\n"]
["Interest – Period of interest determination",null,"If the format of Period for interest determination is invalid, an error message is generated.\n","C10","InterestDeterminationPeriod is in an incorrect format."]
["Interest – End date of the period for a fixed interest rate","V","The end date of the period for a fixed interest rate is optional data and can be reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’.\n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC. \nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the format of End date of the period for a fixed interest rate is invalid, an error message is generated.\n","C20","FixedInterestRatePeriodEndDate is in an incorrect format. \n\n"]
["Interest – End date of the period for a fixed interest rate",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the end date of the period for a fixed interest rate is earlier than 1 January 1900, an error message is generated.\n","D20","FixedInterestRatePeriodEndDate may not be earlier than 1 January 1900."]
["Interest – Type of linkage to a benchmark interest rate after the period for a fixed interest rate ","V","The type of linkage to a benchmark interest rate after the period for a fixed interest rate is optional data and can be reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’. Permissible code values:\n- Euribor rate (Euribor)\n- Reference rate determined by the bank (BankReferenceRate)\n- Other variable rate (OtherVariableReferenceRate)\n- Interest-free (InterestFree)\n\nIf some other value has been reported for the type of linkage to a benchmark interest rate after the period for a fixed interest rate, an error message is generated.\n","C40","The code value for SubsequentInterestType is invalid. "]
["Interest – Lower limit of the interest rate corridor ","E","The lower limit of the interest rate corridor is required data if the upper limit of the interest rate corridor has been reported. The data can be reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’. The lower limit of the interest rate corridor must be reported as a decimal and be equal to or more than 0.\n\nIf the lower limit of the interest rate corridor is less than 0, an error message is generated.\n","D00","The value for RateCorridorBottomPct cannot be negative. \n"]
["Interest – Lower limit of the interest rate corridor ",null,"The lower limit of the interest rate corridor must be less than or equal to 100.\n\nIf the lower limit of the interest rate corridor is more than 100, an error message is generated.\n","D01","The value for RateCorridorBottomPct must be smaller than or equal to 100. \n\n"]
["Interest – Lower limit of the interest rate corridor ",null,"If the upper limit of the interest rate corridor has been reported but the lower limit has not, an error message is generated.\n","B01","RateCorridorBottomPct is missing. This data element is required if RateCorridorTopPct is specified. \n"]
["Interest – Lower limit of the interest rate corridor ",null,"If the lower limit of the interest rate corridor is more than the upper limit, an error message is generated.\n","D02","RateCorridorBottomPct may not be higher than RateCorridorTopPct. \n\n"]
["Interest – Lower limit of the interest rate corridor ",null,"The lower limit of the interest rate corridor may not be reported if an interest rate cap has been reported.\n\nIf both the lower limit of the interest rate corridor and the interest rate cap have been reported, an error message is generated.\n","B11","You must leave RateCapPct blank if RateCorridorTopPct or RateCorridorBottomPct is specified.\n"]
["Interest – Lower limit of the interest rate corridor ",null,"If the format of Lower limit of the interest rate corridor is invalid, an error message is generated.\n","C11","RateCorridorBottomPct is in an incorrect format."]
["Interest – Upper limit of the interest rate corridor","E","The upper limit of the interest rate corridor is required data if the lower limit of the interest rate corridor has been reported. The data can be reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’. The upper limit of the interest rate corridor must be reported as a decimal and be more than 0.\n\nIf the upper limit of the interest rate corridor is negative or 0, an error message is generated.\n","D00","The value for RateCorridorTopPct must be greater than 0. \n\n"]
["Interest – Upper limit of the interest rate corridor",null,"The upper limit of the interest rate corridor must be less than or equal to 100.\n\nIf the upper limit of the interest rate corridor is more than 100, an error message is generated.\n","D01","The value for RateCorridorTopPct must be smaller than or equal to 100. \n"]
["Interest – Upper limit of the interest rate corridor",null,"If the lower limit of the interest rate corridor has been reported but the upper limit has not, an error message is generated.\n","B01","RateCorridorTopPct is missing. This data element is required if RateCorridorBottomPct is specified. \n"]
["Interest – Upper limit of the interest rate corridor",null,"The upper limit of the interest rate corridor may not be reported if the interest rate cap has been reported.\n\nIf both the upper limit of the interest rate corridor and the interest rate cap have been reported, an error message is generated.","B11","You must leave RateCapPct blank if RateCorridorTopPct or RateCorridorBottomPct is specified.\n\n\n"]
["Interest – Upper limit of the interest rate corridor",null,"If the format of Upper limit of the interest rate corridor is invalid, an error message is generated.\n","C11","RateCorridorTopPct is in an incorrect format."]
["Interest – Interest rate cap","V","The interest rate cap is optional data and can be reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’. The interst rate cap must be reported as a decimal and be more than 0.\n\nIf the interest rate cap is negative or 0, an error message is generated.\n","D00","The value for RateCapPct must be greater than 0. \n\n"]
["Interest – Interest rate cap",null,"The interest rate cap must be less than or equal to 100.\n\nIf the interest rate cap is more than 100, an error message is generated.\n","D01","The value for RateCapPct must be smaller than or equal to 100.\n\n\n"]
["Interest – Interest rate cap",null,"The interest rate cap may not be reported if the lower or upper limit of the interest rate corridor has been reported.\n\nIf both the interest rate cap and the lower or upper limit of the interest rate corridor have been reported, an error message is generated.\n","B11","You must leave RateCapPct blank if RateCorridorTopPct or RateCorridorBottomPct is specified.\n\n"]
["Interest – Interest rate cap",null,"If the format of Interest rate cap is invalid, an error message is generated.\n","C11","RateCapPct is in an incorrect format."]
["Interest – End date of interest rate restriction","E","The end date of interest rate restriction is required data if the lower and upper limits of the interest rate corridor or the interest rate cap has been reported. The data can be reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’.\n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC.\nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the format of End date of interest rate restriction is invalid, an error message is generated.\n","C20","RateRestrictionEndDate is in an incorrect format."]
["Interest – End date of interest rate restriction",null,"If the lower and upper limits of the interest rate corridor has been reported but the end date of interest rate restriction has not, an error message is generated.","B01","RateRestrictionEndDate is missing. This data element is required if RateCorridorBottomPct and RateCorridorTopPct are specified. \n"]
["Interest – End date of interest rate restriction",null,"If the interest rate cap has been reported but the end date of interest rate restriction has not, an error message is generated.","B01","RateRestrictionEndDate is missing. This data element is required if RateCapPct is specified. \n"]
["Interest – End date of interest rate restriction",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the end date of interest rate restriction is earlier than 1 January 1900, an error message is generated.\n","D20","RateRestrictionEndDate may not be earlier than 1 January 1900."]
["Interest – End date of interest rate restriction",null,"The end date of interest rate restriction may not be reported if the interest type is ‘fixed interest’.\n\nIf the interest type is ‘fixed interest’ and the end date of interest rate restriction has been reported, an error message is generated.\n","B11","You must leave RateRestrictionEndDate blank if FixedInterest is specified.\n\n"]
["Interest – End date of interest rate restriction",null,"The end date of interest rate restriction can be reported only if the interest rate corridor or the interest rate cap has been reported.\n\nIf the above condition is not met and yet the end date of interest rate restriction has been reported, an error message is generated.\n","B11","You must leave RateRestrictionEndDate blank if RateCorridorTopPct, RateCorridorBottomPct or RateCapPct is not specified.\n\n"]
["Interest – Effective interest rate on the date of conclusion","V","The effective interest rate on the date of conclusion is optional data and can reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’. The effective interest rate must be reported as a decimal and be equal to or more than 0.\n\nIf the effective interest rate on the date of conclusion is less than 0, an error message is generated.\n","D00","EffectiveInterestRatePct cannot be negative. \n\n"]
["Interest – Effective interest rate on the date of conclusion",null,"If the format of Effective interest rate on the date of conclusion is invalid, an error message is generated.\n","C11","EffectiveInterestRatePct is in an incorrect format."]
["Deferment periods – General","V","Deferment periods is an optional data group.\n\nThe data group may not be reported if the loan type is ‘guarantee receivable for a student loan’ or ‘leasing’.\n\nIf the loan type is ‘guarantee receivable for a student loan’ or ‘leasing’ and the Deferment periods data group has been reported, an error message is generated.\n","B02","DefermentPeriods is an unknown data field."]
["Deferment periods – Payment plan in a debt arrangement",null,"Data included in the DefermentPeriods data group may not be reported for a loan included in a private individual's payment plan in a debt arrangement. \n\nIf the loan is included in a payment plan in a debt arrangement and the DefermentPeriods data group is reported, an error is generated.\n","B11","You must leave the DefermentPeriods data group/field blank if IsInDebtArrangement is true."]
["Deferment periods – Business restructuring program",null,"Data included in the DefermentPeriods data group may not be reported for a loan included in business restructuring program. \n\nIf the loan is included in a business restructuring program and the DefermentPeriods data group is reported, an error is generated.\n","B11","You must leave the DefermentPeriods data group/field blank if IsInBusinessRestructuringProgram is true."]
["Deferment periods – General – Maximum number",null,"The list of deferment periods must contain each agreed deferment of amortizations. The maximum number of deferment periods is 64.\n\nIf the list contains more than 64 deferment periods, an error message is generated.\n","D31","You cannot report more than 64 deferment periods."]
["Deferment periods – General – Minimum number",null,"If the Deferment periods data group has been reported, at least 1 deferment period must be reported for the loan.\n\nIf the Deferment periods data group has been reported but not a single deferment period has been reported for the loan (list with no elements), an error message is generated.\n","D30","DefermentPeriods must contain at least 1 element.\n\n"]
["Deferment periods – Start date of the deferment period","P","The start date of the deferment period is required data if the end date of the deferment period has been reported. \n\nThe data can be reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’.\n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC.\nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the format of Start date of the deferment period is invalid, an error message is generated.\n","C20","StartDate is in an incorrect format."]
["Deferment periods – Start date of the deferment period",null,"If the end date of the deferment period has been reported but the start date has not, an error message is generated.","B00","StartDate is missing. This is a required data element.\n\n"]
["Deferment periods – Start date of the deferment period",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the start date of the deferment period is earlier than 1 January 1900, an error message is generated.\n","D20","StartDate may not be earlier than 1 January 1900."]
["Deferment periods – End date of the deferment period","P","The end date of the deferment period is required data if the start date of the deferment period has been reported. \n\nThe data can be reported if the loan type is ‘lump-sum loan’ or ‘running-account loan’.\n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC.\nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the format of End date of the deferment period is invalid, an error message is generated.\n","C20","EndDate is in an incorrect format."]
["Deferment periods – End date of the deferment period",null,"If the start date of the deferment period has been reported but the end date has not, an error message is generated.","B00","EndDate is missing. This is a required data element. \n\n"]
["Deferment periods – End date of the deferment period",null,"The end date of the deferment period may not be earlier than the start date of the period.\n\nIf the end date of the deferment period is earlier than the start date of the period, an error message is generated.\n","D22","EndDate may not be earlier than StartDate.\n"]
["Deferment periods – End date of the deferment period",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the end date of the deferment period is earlier than 1 January 1900, an error message is generated.\n","D20","EndDate may not be earlier than 1 January 1900."]
["Deferment periods – End date of the deferment period",null,"Deferment periods relating to the same loan may not have the same start dates and end dates.\n\nIf different deferment periods have the same start dates and end dates, an error message is generated.\n","D24","Deferments of amortizations relating to the same loan may not have the same StartDate and EndDate. \n\n"]
["Collaterals – General – Minimum number",null,"If the loan has been reported to have collateral (IsLoanWithCollateral: true), at least one collateral must be reported for the loan.\n\nIf the loan has been reported to have collateral but not a single collateral has been reported (list with no elements), an error message is generated.\n","D30","Collaterals must contain at least 1 element.\n\n"]
["Collaterals – General – Maximum number",null,"The list of collaterals must contain all the collaterals of the loan. The maximum number of collaterals is 64.\n\nIf the list contains more than 64 collaterals, an error message is generated.","D31","You cannot report more than 64 Collaterals.\n"]
["Collaterals – Type of collateral","P","The type of collateral is required data if the loan has been reported to have collateral (IsLoanWithCollateral: true). Permissible code values:\n- Residential property (ApartmentOrRealEstate)\n- Other immovable property (OtherImmovableProperty)\n- Hire-purchased item (InstalmentSaleItem)\n- Other moveable property (OtherMoveableProperty)\n- Other collateral (OtherCollateral)\n- Personal guarantee (PersonalGuarantee)\n- Government guarantee (GovernmentGuarantee)\n- Other guarantee (OtherGuarantee)\n\nIf some other value has been reported for the type of collateral, an error message is generated.\n","C40","The code value for CollateralType is invalid."]
["Collaterals – Type of collateral",null,"If the loan has been reported to have collateral but the type of collateral has not been reported, an error message is generated.\n","B00","CollateralType is missing. This is a required data element.\n\n"]
["Collaterals – Type of collateral",null,"The Collaterals data group may be reported only if the loan has been reported to have collateral (IsLoanWithCollateral: true).\n\nIf the above condition is not met but the Collaterals data group has been reported, an error message is generated.\n","B11","You must leave Collaterals blank if IsLoanWithCollateral is false.\n\n\n"]
["Collaterals – Type of collateral – Guarantor – Type of ID code","E","The type of guarantor ID code is required data if the loan has been reported to have collateral (IsLoanWithCollateral: true) and if the type of collateral is ‘personal guarantee’. Permissible code value:\n- Personal identity code (PersonalIdentityCode)\n\nIf some other value has been reported for the type of guarantor ID code, an error message is generated.\n","C40","The code value for IdCodeType is invalid."]
["Collaterals – Type of collateral – Guarantor – Type of ID code",null,"If the loan has been reported to have collateral and if the type of collateral is ‘personal guarantee’ but the type of ID code has not been reported, an error message is generated.\n","B00","IdCodeType is missing. This is a required data element.\n"]
["Collaterals – Type of collateral – Guarantor – Type of ID code",null,"The type of guarantor ID code can be reported only if the loan has been reported to have collateral (IsLoanWithCollateral: true) and if the type of collateral is ‘personal guarantee’.\n\nIf the above conditions are not met but the type of collateral has been reported, an error message is generated.\n","B11","You must leave Collaterals blank if IsLoanWithCollateral is false\n\n\n\n"]
["Collaterals – Type of collateral – Guarantor – ID code","E","The guarantor’s ID code is required data if the loan has been reported to have collateral (IsLoanWithCollateral: true) and if the type of collateral is ‘personal guarantee’. The ID code must be in the personal identity code format and it must be found in the register.\n\nIf the format of the ID code is invalid, an error message is generated.\n","E21","The identifier is invalid. "]
["Collaterals – Type of collateral – Guarantor – ID code",null,"The guarantor's ID code must consist of 11 characters.\n\nIf the ID code contains less than 11 characters, an error message is generated.\n","D10","IdCode is too short. The minimum number of characters is 11."]
["Collaterals – Type of collateral – Guarantor – ID code",null,"The allowed characters are:\n- letters ABCDEFHJKLMNPRSTUVWXY\n- numbers 0–9\n- symbols + and -\n\nIf the ID code contains characters that are not allowed, an error message is generated.\n","C50","The identifier contains characters that are not allowed. The allowed characters are letters ABCDEFHJKLMNPRSTUVWXY, numbers 0–9 and symbols + and -. \n"]
["Collaterals – Type of collateral – Guarantor – ID code",null,"The ID code must be in the format DDMMYYXNNNC, where \n- DDMMYY = date of birth\n- X = sign indicating the century of birth (‘+’ = 1800-1899,  '-', Y, X, W, V, U = 1900-1999 or A, B, C, D, E, F = 2000-2099)\n- NNN = running number 002–899 (even for females, odd for males)\n- C = calculated control character, which is a number 0-9 or a capital letter A-Y (not G, I, O, Q).\n\nIf the format of the ID code is invalid, an error message is generated.\n","C50","The format of the identifier is invalid. The identifier must be in the format DDMMYYXNNNC.\n"]
["Collaterals – Type of collateral – Guarantor – ID code",null,"If the date of birth in the ID code is a date that does not exist (e.g. 300299), an error message is generated.\n","C50","The format of the identifier is invalid. The date of birth must be an actual date.\n"]
["Collaterals – Type of collateral – Guarantor – ID code",null,"If the loan has been reported to have collateral and if the type of collateral is ‘personal guarantee’ but no ID code has been reported, an error message is generated.\n","B00","IdCode is missing. This is a required data element.\n"]
["Collaterals – Type of collateral – Guarantor – ID code",null,"Identifiers not found in the register will be checked with DVV.\n\nIf an identifier is not found in the register, an error is generated.\n\n","E20","IdCode not found in the register. Please submit your report again in one week."]
["Collaterals – Type of collateral – Guarantor – ID code",null,"If an identifier is not found through a request submitted to DVV, an error is generated.\n\n","E21","The identifier is invalid. "]
["Collaterals – Type of collateral – Guarantor – ID code",null,"The same ID code can be reported as the guarantor of the same loan only once.\n\nIf the ID code has been reported as the guarantor of the same loan more than once, an error message is generated.\n","E23","You cannot give the same guarantor IdCode more than once.\n"]
["Collaterals – Type of collateral – Guarantor – ID code",null,"The same personal identity code may not reported both as the borrower and as the guarantor in the same loan. \n\nIf the same personal identity code has been reported both as the borrower and as the guarantor in the same loan, an error message is generated.\n","E22","You cannot enter the same IdCode for the borrower and for the guarantor.\n"]
["Collaterals – Type of collateral – Guarantor – ID code",null,"The guarantor’s ID code can be reported only if the loan has been reported to have collateral (IsLoanWithCollateral: true) and if the type of collateral is ‘personal guarantee’.\n\nIf the above conditions are not met but the ID code has been reported, an error message is generated.","B11","You must leave Guarantor blank if CollateralType is not PersonalGuarantee.\n\n\n\n"]
["Unchanged data fields",null,"The same data field may not be reported simultaneously in both loan-specific data and under Unchanged data fields.\n\nIf a data field is reported in both at the same time, an error message is generated.\n","E10","X may not be reported simultaneously in credit-specific data and in Unchanged data fields."]
["Unchanged data fields",null,"If the same data field is reported under Unchanged data fields more than once, an error message is generated.\n","E00","The same data field can be reported in Unchanged data fields only once."]

{"sheet":"4 Payment transactions API","index":6,"n_rows":59,"n_cols":5,"rows_kept":59,"cut":false,"hidden":false,"merged":[]}
["Keyword","P = Required\nV = Optional\nE = Conditional","Processing rule","Error code","Error description"]
["General – Report on a payment transaction ",null,"A payment transaction may not be reported for a loan that has been cancelled.\n\nIf a payment transaction is reported for a loan that has been cancelled, an error message is generated.\n","E11","Payment transactions may not be reported for loans that have been cancelled."]
["General – Report on a payment transaction – Debt arrangement or business restructuring",null,"A payment transaction may not be reported for a loan included in a payment plan in a debt arrangement or in a business restructuring program.\n\nIf a payment transaction is reported for a loan included in a payment plan in a debt arrangement or in a business restructuring program, an error message is generated.\n","E50","The data element may not be submitted if the loan is included in a payment plan in a debt arrangement or in business restructuring program."]
["General – Report on a payment transaction – Minimum number of subelements",null,"At least one payment transaction must be reported in the batch. The maximum size of the batch can be checked in the general instructions for application developers.\n\nIf not a single report on a payment transaction is included in the batch, an error message is generated.\n","D30","Repayments must contain at least 1 element.\n\n\n"]
["General - Unknown data field",null,"Only data fields mentioned in the API description may be reported in the API. If a report includes a data field that is not mentioned in the API description, an error is generated.\n","B02","X is an unknown data field. "]
["Time of report creation","P","The time of report creation is required data.\n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC.\n\nTwo payment transactions relating to the same loan may not have the same time of report creation. In addition, the time of report creation may not be in the future.\n\nIf the time of report creation has not been reported, an error message is generated.\n","B00","ReportCreationTimeUtc is missing. This is a required data element."]
["Time of report creation",null,"If the format of Time of report creation is invalid, an error message is generated.\n","C20","ReportCreationTimeUtc is in an incorrect format.\n\n"]
["Time of report creation",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the time of report creation is earlier than 1 January 1900, an error message is generated.\n","D20","ReportCreationTimeUtc may not be earlier than 1 January 1900."]
["Time of report creation",null,"If two payment transactions relating to the same loan have the same time of report creation, an error message is generated.\n","D23","Different payment transactions of the same loan may not have the same ReportCreationTimeUtc."]
["Time of report creation",null,"If the time of report creation has been reported to be in the future, an error message is generated.\n","D22","ReportCreationTimeUtc may not be in the future."]
["Time of report creation",null,"If the report type is ‘error correction’ and the time of report creation is earlier than the time when the most recent payment transaction was created, an error message is generated.\n","D20","Since the type of report is ErrorCorrection, ReportCreationTimeUtc may not be earlier than the time of creation of the payment transaction submitted last (DD/MM/YYYY HH:MM:SS).\n\n"]
["Report type","P","The report type is required data. Permissible code values:\n- New report (NewReport)\n- Error correction (ErrorCorrection) \n\nIf some other value has been reported for the report type, an error message is generated.\n","C40","The code value for ReportType is invalid."]
["Report type",null,"If the report type has not been submitted, an error message is generated.\n","B00","ReportType is missing. This is a required data element."]
["Report reference","P","The report reference is required data. Each report reference in the batch must be unique.\n\nIf no report reference has been given, an error message is generated.\n","B00","ReportReference is missing. This is a required data element."]
["Report reference",null,"If the batch contains several reports with the same report reference, an error message is generated.\n","E00","You cannot give the same ReportReference in the batch more than once."]
["Report reference",null,"The characters allowed in string-type data are defined in the document Reporting data on loan contracts – API description (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the format of Report reference is invalid, an error message is generated.\n","C30","ReportReference contains forbidden characters. Check the allowed characters in the API description.\n"]
["Report reference",null,"If the report reference contains more than 64 characters, an error message is generated.\n","D11","ReportReference is too long. The maximum number of characters is 64."]
["Type of loan number","P","The type of loan number is required data. Permissible code values:\n- IBAN number (Iban)\n- BBAN number (Bban)\n- Other loan number (Other)\n\nIf some other value has been reported for the type of loan number, an error message is generated.\n","C40","The code value for Type is invalid."]
["Type of loan number",null,"If the type of loan number has not been reported, an error message is generated.\n","B00","Type is missing. This is a required data element."]
["Loan number ","P","The combination of loan number and type of loan number must be found in the register.\n\nIf the combination of loan number and type of loan number is not found in the register, an error message is generated.","E01","The combination of loan number and loan number type is not found in the register. Number: X, Type: X. \n\n\n"]
["Loan number ",null,"If no loan number has been reported, an error message is generated.\n","B00","Number is missing. This is a required data element.\n"]
["Loan number ",null,"The characters allowed in string-type data are defined in the document Reporting data on loan contracts – API description (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the format of Loan number is invalid, an error message is generated.\n","C30","Number contains forbidden characters. Check the allowed characters in the API description.\n"]
["Loan number ",null,"If the loan number contains more than 64 characters, an error message is generated.\n","D11","Number is too long. The maximum number of characters is 64."]
["Loan type","P","The loan type is required data. Permissible code values:\n- Lump-sum loan (LumpSumLoan)\n- Running-account loan (RunningAccountLoan)\n- Guarantee receivable for a student loan (GuaranteeReceivable)\n\nIf some other value has been reported for the loan type, an error message is generated.\n","C40","The code value for LoanType is invalid."]
["Loan type",null,"If no loan type has been reported, an error message is generated.\n","B00","LoanType is missing. This is a required data element."]
["Payment transaction of a lump-sum loan – Total interest rate","V","The total interest rate is optional data if the loan type is ‘lump-sum loan’.  \n\nThe total interest rate may not be reported if the loan type is ‘guarantee receivable for a student loan’.\n\nIf the loan type is ‘guarantee receivable for a student loan’ and the total interest rate has been reported, an error message is generated.\n","E24","You must leave TotalInterestRate blank if LoanType is GuaranteeReceivable.\n"]
["Payment transaction of a lump-sum loan – Total interest rate",null,"If the format of Total interest rate is invalid, an error message is generated.\n","C11","TotalInterestRatePct is in an incorrect format.\n"]
["Payment transaction of a lump-sum loan – Amortization paid","E","If the loan type is other than ‘lump-sum loan’ or ‘guarantee receivable for a student loan’ and the amortization paid has been reported, an error message is generated.","B02","AmortizationPaid is an unknown data field. "]
["Payment transaction of a lump-sum loan – Amortization paid",null,"The amortization paid must be reported as a decimal and be equal to or more than 0.\n\nIf the amortization paid is less than 0, an error message is generated.\n","D00","AmortizationPaid cannot be negative.\n\n"]
["Payment transaction of a lump-sum loan – Amortization paid",null,"If the format of Amortization paid is invalid, an error message is generated.\n","C11","AmortizationPaid is in an incorrect format.\n"]
["Payment transaction of a lump-sum loan – Interest paid","E","The interest paid must be reported as a decimal and be equal to or more than 0.\n\nIf the interest paid is less than 0, an error message is generated.\n","D00","InterestPaid cannot be negative. \n\n"]
["Payment transaction of a lump-sum loan – Interest paid",null,"If the format of Interest paid is invalid, an error message is generated.\n","C11","InterestPaid is in an incorrect format."]
["Payment transaction of a lump-sum loan – Other loan expenses paid","E","The other loan expenses paid must be reported as a decimal and be equal to or more than 0.\n\nIf the other loan expenses paid are less than 0, an error message is generated.\n","D00","OtherExpenses cannot be negative.\n"]
["Payment transaction of a lump-sum loan – Other loan expenses paid",null,"If the format of Other loan expenses paid is invalid, an error message is generated.\n","C11","OtherExpenses is in an incorrect format."]
["Payment transactions of a lump-sum loan – Date of payment","E","PaymentDate is a required data element if one of the following data elements is reported: \n-AmortizationPaid \n-InterestPaid \n-OtherExpenses  \n\nIf one of these is reported but the PaymentDate is missing, an error message is generated.","B01","PaymentDate is missing.\nThis is a required data element if one of the following data elements is reported:\n-AmortizationPaid \n-InterestPaid \n-OtherExpenses  "]
[null,null,"The data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC.\nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\nIf the format of Date of payment is invalid, an error message is generated.","C20","PaymentDate is in an incorrect format."]
["Payment transactions of a lump-sum loan – Date of payment",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the date of payment is earlier than 1 January 1900, an error message is generated.\n","D20","PaymentDate may not be earlier than 1 January 1900."]
["Payment transactions of a lump-sum loan – Date of payment",null,"If the date of payment has been reported to be in the future, an error message is generated.\n","D22","PaymentDate may not be in the future."]
[null,"E","Paymentdate may not be reported unless one of the following data elements has been reported: \n-AmortizationPaid \n-InterestPaid \n-OtherExpenses  \n\nIf the PaymentDate has been reported but the report does not include any of these data elements, an error report is generated.","B11","The value for AmortizationPaid, InterestPaid or OtherExpenses is missing.\nOne of these data elements is required if the payment date is given in the report.\n-AmortizationPaid \n-InterestPaid \n-OtherExpenses  "]
["Payment transaction of a lump-sum loan – Loan balance","P","The loan balance is required data if the loan type is ‘lump-sum loan’ or ‘guarantee receivable for a student loan’. The loan balance must be reported as a decimal and be equal to or more than 0.\n\nIf the loan balance has not been reported, an error message is generated.\n","B00","Balance is missing. This is a required data element."]
["Payment transaction of a lump-sum loan – Loan balance",null,"If the loan balance is less than 0, an error message is generated.\n","D00","Balance cannot be negative.\n\n"]
["Payment transaction of a lump-sum loan – Loan balance",null,"If the format of Loan balance is invalid, an error message is generated.\n","C11","Balance is in an incorrect format."]
["Payment transaction of a running-account loan – Total interest rate","V","The total interest rate is optional data if the loan type is ‘running-account loan’.\n\nIf the format of Total interest rate is invalid, an error message is generated.\n","C11","TotalInterestRatePct is in an incorrect format. \n"]
["Payment transaction of a running-account loan – General",null,"If the loan type is ‘running-account loan’, one of the following must be reported:\n- amount of loan balance\n- interest paid\n- other loan expenses paid.\n\nIf the loan type is ‘running-account loan’ but none of the above elements has been reported, an error message is generated.\n","B00","The value for Balance, InterestPaid or OtherExpenses is missing. One of these data elements is required. \n\n\n"]
["Payment transaction of a running-account loan – Amount of loan balance","E","The amount of loan balance must be reported as a decimal and be equal to or more than 0.\n\nIf the amount of loan balance is less than 0, an error message is generated.","D00","Balance cannot be negative. \n"]
["Payment transaction of a running-account loan – Amount of loan balance",null,"If the format of Amount of loan balance is invalid, an error message is generated.\n","C11","Balance is in an incorrect format."]
["Payment transaction of a running-account loan – Amount of loan balance",null,"The amount of loan balance is required data if the value date for the amount of loan balance has been reported.\n\nIf the value date for the amount of loan balance has been reported but the amount of loan balance has not been reported, an error message is generated.\n","B01","Balance is missing. This data element is required if BalanceDate is specified."]
["Payment transaction of a running-account loan – Value date for the amount of loan balance","E","The value date for the amount of loan balance is required data if the amount of loan balance has been reported.\n\nIf the amount of loan balance has been reported but the value date has not been reported, an error message is generated.\n","B01","BalanceDate is missing. This data element is required if Balance is specified."]
["Payment transaction of a running-account loan – Value date for the amount of loan balance",null,"The data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC. \nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the format of Value date for the amount of loan balance is invalid, an error message is generated.\n","C20","BalanceDate is in an incorrect format. \n\n"]
["Payment transaction of a running-account loan – Value date for the amount of loan balance",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the value date for the amount of loan balance is earlier than 1 January 1900, an error message is generated.\n","D20","BalanceDate may not be earlier than 1 January 1900."]
["Payment transaction of a running-account loan – Value date for the amount of loan balance",null,"If the value date for the amount of loan balance has been reported to be in the future, an error message is generated.\n","D22","BalanceDate may not be in the future."]
["Payment transaction for a running-account loan – Interest paid","E","The interest paid must be reported as a decimal and be equal to or more than 0.\n\nIf the interest paid is less than 0, an error message is generated.\n","D00","InterestPaid cannot be negative. \n\n"]
["Payment transaction for a running-account loan – Interest paid",null,"If the format of Interest paid is invalid, an error message is generated.\n","C11","InterestPaid is in an incorrect format."]
["Payment transaction of a running-account loan – Other loan expenses paid","E","The other loan expenses paid must be reported as a decimal and be equal to or more than 0.\n\nIf the other loan expenses paid are less than 0, an error message is generated.\n","D00","OtherExpenses cannot be negative. \n\n"]
["Payment transaction of a running-account loan – Other loan expenses paid",null,"If the format of Other loan expenses paid is invalid, an error message is generated.\n","C11","OtherExpenses is in an incorrect format."]
["Payment transaction of a running-account loan – Date of payment","E","The date of payment is required data if the interest paid or other loan expenses paid have been reported.\n\nIf the interest paid or other loan expenses paid have been reported but the date of payment has not been reported, an error message is generated.\n","B01","PaymentDate is missing. This data element is required if InterestPaid or OtherExpenses is specified."]
["Payment transaction of a running-account loan – Date of payment",null,"The data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC. \nThe date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the format of Date of payment is invalid, an error message is generated.\n","C20","PaymentDate is in an incorrect format. \n\n\n"]
["Payment transaction of a running-account loan – Date of payment",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the date of payment is earlier than 1 January 1900, an error message is generated.\n","D20","PaymentDate may not be earlier than 1 January 1900."]
["Payment transaction of a running-account loan – Date of payment",null,"If the date of payment has been reported to be in the future, an error message is generated.\n","D22","PaymentDate may not be in the future."]

{"sheet":"5 Delayed amounts API","index":7,"n_rows":39,"n_cols":5,"rows_kept":39,"cut":false,"hidden":false,"merged":[]}
["Keyword","P = Required\nV = Optional\nE = Conditional","Processing rule","Error code","Error description"]
["General – Report on a delayed amount",null,"A delayed amount may not be reported for a loan that has been cancelled or has ended.\n\nIf a delayed amount is reported for a loan that has been cancelled, an error message is generated.\n","E11","A delayed amount may not be reported for a loan that has been cancelled. \n\n"]
["General – Report on a delayed amount",null,"If a delayed amount is reported for a loan that has ended, an error message is generated.\n","E13","A delayed amount may not be reported for a loan that has ended."]
["General – Report on a delayed amount – Debt arrangement or business restructuring",null,"A delayed amount may not be reported for a loan included in a payment plan in a debt arrangement or in a business restructuring program.\n\nIf a delayed amount is reported for a loan included in a payment plan in a debt arrangement or in a business restructuring program, an error message is generated.","E50","The data element may not be submitted if the loan is included in a payment plan in a debt arrangement or in business restructuring program."]
["General – Report on a delayed amount – Minimum number of subelements",null,"At least one delayed amount must be reported in the batch. The maximum size of the batch can be checked in the general instructions for application developers.\n\nIf not a single report on a delayed amount is included in the batch, an error message is generated.\n","D30","DelayedRepayment must contain at least 1 element.\n\n"]
["General - Unknown data field",null,"Only data fields mentioned in the API description may be reported in the API. If a report includes a data field that is not mentioned in the API description, an error is generated.","B02","X is an unknown data field. "]
["Report type","P ","The report type is required data. Permissible code values:\n- New report (NewReport)\n- Error correction (ErrorCorrection) \n\nIf some other value has been reported for the report type, an error message is generated.","C40","The code value for ReportType is invalid."]
["Report type",null,"If the report type has not been submitted, an error message is generated.\n","B00","ReportType is missing. This is a required data element. \n"]
["Report reference","P","The report reference is required data. Each report reference in the batch must be unique.\n\nIf no report reference has been given, an error message is generated.\n","B00","ReportReference is missing. This is a required data element."]
["Report reference",null,"If the batch contains several reports with the same report reference, an error message is generated.\n","E00","You cannot give the same ReportReference in the batch more than once."]
["Report reference",null,"The characters allowed in string-type data are defined in the document Reporting data on loan contracts – API description (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the format of Report reference is invalid, an error message is generated.\n","C30","ReportReference contains forbidden characters. Check the allowed characters in the API description.\n\n"]
["Report reference",null,"If the report reference contains more than 64 characters, an error message is generated.\n","D11","ReportReference is too long. The maximum number of characters is 64.\n"]
["Type of loan number","P","The type of loan number is required data. Permissible code values:\n- IBAN number (Iban)\n- BBAN number (Bban)\n- Other loan number (Other)\n\nIf some other value has been reported for the type of loan number, an error message is generated.\n","C40","The code value for Type is invalid."]
["Type of loan number",null,"If the type of loan number has not been reported, an error message is generated.\n","B00","Type is missing. This is a required data element.\n"]
["Loan number ","P","The loan number is required data. The loan number must be found in the register.\n\nIf the loan number is not found in the register, an error message is generated.\n","E01","The combination of loan number and loan number type is not found in the register. Number: X, Type: X. \n\n"]
["Loan number ",null,"If no loan number has been reported, an error message is generated.\n","B00","Number is missing. This is a required data element.\n"]
["Loan number ",null,"The characters allowed in string-type data are defined in the document Reporting data on loan contracts – API description (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the format of Loan number is invalid, an error message is generated.\n","C30","Number contains forbidden characters. Check the allowed characters in the API description.\n"]
["Loan number ",null,"If the loan number contains more than 64 characters, an error message is generated.\n","D11","Number is too long. The maximum number of characters is 64."]
["Delayed amount","P","The delayed amount is required data. The value entered in the field can be ‘true’ or ‘false’.\n\nIf no delayed amount has been reported, an error message is generated.\n","B00","The data element IsDelay is missing. This is a required data element."]
["Delayed amount",null,"If the format of Delayed amount is invalid, an error message is generated.\n","C00","The data element IsDelay is in an incorrect format."]
["Delayed amounts – General – Maximum number",null,"The list of delayed amounts must include all the outstanding delayed amounts relating to the loan. The maximum number of delayed amounts is 64.\n\nIf the list contains more than 64 delayed amounts, an error message is generated.\n","D31","You cannot report more than 64 DelayedInstalments."]
["Delayed amount – Unpaid amount of an instalment","P","If the loan has been reported to have a delayed amount (IsDelay: true), the details of at least one delayed amount must be reported.\n\nThe unpaid amount of an instalment is required data if the loan has been reported to have a delayed amount. The unpaid amount of an instalment must be reported as a decimal and be more than 0.\n\nIf the loan has been reported to have a delayed amount but no unpaid amount of an instalment has been reported, an error message is generated.\n","B00","DelayedInstalment is missing. This is a required data element. \n\n"]
["Delayed amount – Unpaid amount of an instalment",null,"If it has been reported that the loan does not have a delayed amount (IsDelay: false) and yet an unpaid amount of an instalment has been reported, an error message is generated.\n","B11","You must leave DelayedAmounts blank if IsDelay is false.\n\n"]
["Delayed amount – Unpaid amount of an instalment",null,"If the unpaid amount of an instalment is negative or 0, an error message is generated.\n","D00","The value for DelayedInstalment must be greater than 0.\n\n"]
["Delayed amount – Unpaid amount of an instalment",null,"If the format of Unpaid amount of an instalment is invalid, an error message is generated.\n","C11","DelayedInstalment is in an incorrect format.\n"]
["Delayed amount – Original due date of the delayed instalment","P","The original due date of the delayed instalment is required data if the loan has been reported to have a delayed amount (IsDelay: true).\n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC. The date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the loan has been reported to have a delayed amount but the original due date of the delayed instalment has not been reported, an error message is generated.\n","B00","OriginalDueDate is missing. This is a required data element. \n\n"]
["Delayed amount – Original due date of the delayed instalment",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the original due date of the delayed instalment is earlier than 1 January 1900, an error message is generated.\n","D20","OriginalDueDate may not be earlier than 1 January 1900."]
["Delayed amount – Original due date of the delayed instalment",null,"If the format of Original due date of the delayed instalment is invalid, an error message is generated.\n","C20","OriginalDueDate is in an incorrect format. \n\n"]
["Delayed amount – Original due date of the delayed instalment",null,"If at least 60 calendar days have not elapsed between the original due date of the delayed installment and the date the report is received, an error message will be generated.","D22","OriginalDueDate may not be earlier than 60 days from today."]
[null,null,"If the original due date of the delayed instalment is earlier than the loan contract date, an error message is generated","D22","OriginalDueDate may not be earlier than the date when the loan contract was signed."]
["Loan has been accelerated","P","Information that the loan has been accelerated is a required data element. The value entered in the field can be ‘true’ or ‘false’. A loan may not be reported as accelerated (IsForclosed: true) if it is reported in the same report that the loan has a delayed amount (IsDelay: true).\n\nIf no value has been reported for Loan has been accelerated, an error message is generated.\n","B00","The data element IsForeclosed is missing. This is a required data element.\n"]
["Loan has been accelerated",null,"If it has been reported in the same report that the loan has a delayed amount (IsDelay: true) and that the loan has been accelerated (IsForclosed: true), an error message is generated.\n","B11","A loan may not be reported as foreclosed if the value reported for the data element IsDelay is True.\n"]
["Loan has been accelerated",null,"If the format of Loan has been accelerated is invalid, an error message is generated.\n","C00","The data element IsForeclosed is in an incorrect format."]
["Loan has been accelerated – Date of acceleration","E","The date of acceleration is required data if the loan has been reported to have been accelerated (IsForeclosed: true).\n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC. The date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the loan is reported to have been accelerated but the date of acceleration has not been reported, an error message is generated.\n","B01","ForeclosureDate is missing. This data element is required if IsForeclosed is specified."]
["Loan has been accelerated – Date of acceleration",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the date of acceleration is earlier than 1 January 1900, an error message is generated.\n","D20","ForeclosureDate may not be earlier than 1 January 1900."]
["Loan has been accelerated – Date of acceleration",null,"If the format of Date of acceleration is invalid, an error message is generated.\n","C20","ForeclosureDate is in an incorrect format. \n\n"]
["Loan has been accelerated – Date of acceleration",null,"If the date of acceleration has been reported to be in the future, an error message is generated.\n\n","D22","ForeclosureDate may not be in the future.\n"]
["Loan has been accelerated – Date of acceleration",null,"The date of acceleration may not be earlier than the date of conclusion.\n \nIf the date of acceleration is earlier than the date of conclusion, an error message is generated.\n","D22","ForeclosureDate may not be earlier than the date when the loan contract was signed."]
["Loan has been accelerated – Date of acceleration",null,"If the value reported for Loan has been accelerated is ‘false’ and the date of acceleration has been reported, an error message is generated.\n\n","B11","You must leave ForeclosureDate blank if IsForeclosed is false.\n\n"]

{"sheet":"6 End of loan contract API","index":8,"n_rows":46,"n_cols":5,"rows_kept":46,"cut":false,"hidden":false,"merged":[]}
["Keyword","P = Required\nV = Optional\nE = Conditional","Processing rule","Error code","Error description"]
["General – Report on the end of a loan contract",null,"A report on the end of a loan contract may not be submitted if the loan has been cancelled.\n\nIf a report on the end of a loan contract relates to a loan that has been cancelled, an error message is generated.\n","E11","A loan may not be reported as ended if it has been previously reported as cancelled."]
["General – Report on the end of a loan contract – Minimum number of subelements",null,"The end of at least one loan contract must be reported in the batch. The maximum size of the batch can be checked in the general instructions for application developers.\n\nIf not a single report on the end of a loan contract is included in the batch, an error message is generated.\n","D30","TerminatedLoanContracts must contain at least 1 element. \n\n"]
["General - Unknown data field",null,"Only data fields mentioned in the API description may be reported in the API. If a report includes a data field that is not mentioned in the API description, an error is generated.\n","B02","X is an unknown data field. "]
["Report type","P","The report type is required data. Permissible code values:\n- New report (NewReport)\n- Error correction (ErrorCorrection)\n- Cancellation of a loan (Cancellation)\n\nIf some other value has been reported for the report type, an error message is generated.\n","C40","The code value for ReportType is invalid. \n"]
["Report type",null,"If the report type has not been submitted, an error message is generated.\n","B00","ReportType is missing. This is a required data element. \n"]
["Report type",null,"If the loan has already been reported as ended and the report type submitted is ‘new report’, an error message is generated.\n","E12","The loan has been reported as ended. If you want to make corrections, select report type Error correction or Cancellation of a loan.\n"]
["Report type",null,"If the loan has already been reported as cancelled and the report type submitted is ‘cancellation’, an error message is generated.\n","E17","The loan has been reported as cancelled. If you want to make corrections, select report type Error correction."]
["Report reference","P","The report reference is required data. Each report reference in the batch must be unique.\n\nIf no report reference has been given, an error message is generated.\n","B00","ReportReference is missing. This is a required data element.\n\n"]
["Report reference",null,"If the batch contains several reports with the same report reference, an error message is generated.\n","E00","You cannot give the same ReportReference in the batch more than once.\n"]
["Report reference",null,"The characters allowed in string-type data are defined in the document Reporting data on loan contracts – API description (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the format of Report reference is invalid, an error message is generated.\n","C30","ReportReference contains forbidden characters. Check the allowed characters in the API description.\n"]
["Report reference",null,"If the report reference contains more than 64 characters, an error message is generated.\n","D11","ReportReference is too long. The maximum number of characters is 64."]
["Type of loan number","P","The type of loan number is required data. Permissible code values:\n- IBAN number (Iban)\n- BBAN number (Bban)\n- Other loan number (Other)\n\nIf some other value has been reported for the type of loan number, an error message is generated.\n","C40","The code value for Type is invalid."]
["Type of loan number",null,"If the type of loan number has not been reported, an error message is generated.\n","B00","Type is missing. This is a required data element.\n"]
["Loan number ","P","The combination of loan number and type of loan number must be found in the register.\n\nIf the combination of loan number and type of loan number is not found in the register, an error message is generated.\n","E01","The combination of loan number and loan number type is not found in the register. Number: X, Type: X. "]
["Loan number ",null,"If no loan number has been reported, an error message is generated.\n","B00","Number is missing. This is a required data element.\n"]
["Loan number ",null,"The characters allowed in string-type data are defined in the document Reporting data on loan contracts – API description (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the format of Loan number is invalid, an error message is generated.\n\n\n","C30","Number contains forbidden characters. Check the allowed characters in the API description.\n"]
["Information about the termination – Loan contract has terminated","P","Information that the loan contract has terminated is a required element. The value entered in the field can be ‘true’ or ‘false’.\n\nIf no value has been reported for Loan contract has terminated, an error message is generated.\n","B00","The data element IsTerminated is missing. This is a required data element.\n"]
["Information about the termination – Loan contract has terminated",null,"If the format of Loan contract has terminated is invalid, an error message is generated.\n","C00","The data element IsTerminated is in an incorrect format.\n"]
["Information about the termination – Loan contract has terminated",null,"The value for Loan contract has terminated may be ‘false’ only if the loan has been previously reported as ended (IsTerminated: true) by mistake. When the value is corrected to be ‘false’, the report type must be ‘error correction’.\n\nIf the above conditions are not met but the value reported for Loan contract has terminated is ‘false’, an error message is generated.\n","E14","The value for data element IsTerminated may be False only if you have previously reported the loan as ended."]
["Information about the termination – Loan contract has terminated",null,"The value for Loan contract has terminated may be ‘false’ only if the loan has been previously reported as ended or cancelled (IsTerminated: true) by mistake. When the value is corrected to be ‘false’, the report type must be ‘error correction’.\n","E14","The value for data element IsTerminated may be False only if you have previously reported the loan as ended or cancelled."]
["Information about the termination – Loan contract has terminated",null,"If the loan is cancelled, the value reported for Loan contract has terminated must be ‘true’.\n\nIf the report type is ‘cancellation of a loan’ but the value reported for Loan contract has terminated is ‘false’, an error message is generated.\n","E15","The loan must be reported as ended if the report type is Cancellation of a loan.\n\n"]
["Information about the termination – End date","E","The end date is required data if the loan has been reported as ended (IsTerminated: true).\n\nThe data is submitted in the format YYYY-MM-DDTHH:MM:SSZ. The time zone must be UTC. The date can also be reported without the hours, minutes and seconds in the format YYYY-MM-DD.\n\nIf the loan has been reported as ended but the end date has not been reported, an error message is generated.\n","B01","EndDate is missing. This data element is required if IsTerminated is true.\n"]
["Information about the termination – End date",null,"The first possible date is 1900-01-01T00:00:00Z.\n\nIf the end date is earlier than 1 January 1900, an error message is generated.\n","D20","EndDate may not be earlier than 1 January 1900."]
["Information about the termination – End date",null,"If the format of End date is invalid, an error message is generated.\n","C20","EndDate is in an incorrect format. \n"]
["Information about the termination – End date",null,"If the value reported for Loan contract has terminated is ‘false’ and the end date has been reported, an error message is generated.\n","B11","You must leave EndDate blank if IsTerminated is false.\n"]
["Information about the termination – End date",null,"The end date may not be earlier than the date of conclusion.\n \nIf the end date is earlier than the date of conclusion, an error message is generated.\n","D22","EndDate may not be earlier than the date when the loan contract was signed."]
["Information about the termination – End date",null,"If the end date reported is in the future, an error message is generated.\n\n","D22","EndDate may not be in the future.\n"]
["Information about the termination – Loan transferred to another lender","P","Information that the loan has been transferred to another lender is a required element. The value entered in the field can be ‘true’ or ‘false’.\n\nIf no value has been reported, an error message is generated.\n","B00","The data element IsTransferredToAnotherLender is missing. This is a required data element.\n"]
["Information about the termination – Loan transferred to another lender",null,"If the format of Loan transferred to another lender is invalid, an error message is generated.\n","C00","The data element IsTransferredToAnotherLender is in an incorrect format.\n"]
["Information about the termination – Loan transferred to another lender",null,"If the loan is reported to have been transferred to another lender (IsTransferredToAnotherLender: true) but the value reported for Loan contract has terminated is ‘false’, an error message is generated.\n","B11","You must leave IsTransferredToAnotherLender blank if IsTerminated is false.\n"]
["Reassignee",null,"Reassignee is a required data group if the loan is reported to have been transferred to another lender (IsTransferredToAnotherLender: true).\n\nIf the loan is reported to have been transferred to another lender but the Reassignee data group has not been reported, an error message is generated.\n","B01","Reassignee is missing. This data element is required if IsTransferredToAnotherLender is specified\n"]
["Reassignee",null,"The Reassignee data group may not be reported if the loan is cancelled.\n\nIf the report type is ‘cancellation of a loan’ and the Reassignee data group has been reported, an error message is generated.\n","E16","Data group Reassignee may not be submitted if the report type is Cancellation of a loan. \n"]
["Reassignee",null,"The Reassignee data group may not be reported if the value reported for Loan transferred to another lender is ‘false’.\n\nIf the value reported for Loan transferred to another lender is ‘false’ and the Reassignee data group has been reported, an error message is generated.\n","B11","You must leave Reassignee blank if IsTransferredToAnotherLender is false.\n\n\n"]
["Reassignee – Type of ID code","P","Type of reassignee ID code is required data. Permissible code values:\n- Business ID (BusinessId)\n- Foreign business ID (ForeignBusinessId)\n\nIf some other value has been reported for the type of reassignee ID code, an error message is generated.\n\n","C40","The code value for IdCodeType is invalid.\n"]
["Reassignee – Type of ID code",null,"If the type of reassignee ID code has not been reported, an error message is generated.\n","B00","IdCodeType is missing. This is a required data element.\n"]
["Reassignee – ID code","P","The reassignee’s ID code is required data. The ID code must be a Business ID or a foreign business ID. If the ID code is a Business ID, it must correspond to the Business ID recorded in the register.\n\nIf the reassignee’s ID code has not been reported, an error message is generated.\n","B00","IdCode is missing. This is a required data element.\n"]
["Reassignee – ID code",null,"If the reassignee's Business ID does not correspond to the Business ID recorded in the register, an error message is generated.\n","E01","IdCode not found in the register."]
["Reassignee – Name","E","The reassignee’s name is required data if the type of ID code is ‘foreign business ID’. The name may not be reported if the type of ID code is other than ‘foreign business ID’.\n\nIf the type of ID code is ‘foreign business ID’ but the name has not been reported, an error message is generated.\n","B01","Name is missing. This data element is required if IdCodeType is ForeignBusinessId."]
["Reassignee – Name",null,"If the type of ID code is other than ‘foreign business ID’ and the name has been reported, an error message is generated.\n","B11","You must leave Name blank if reassignee.IdCodeType is BusinessId.\n"]
["Reassignee – Name",null,"The characters allowed in string-type data are defined in the document Reporting data on loan contracts – API description (see positivecreditregister.fi > For software developers > Documentation)\n\nIf the format of Reassignee’s name is invalid, an error message is generated.\n","C30","Name contains forbidden characters. Check the allowed characters in the API description."]
["Reassignee – Name",null,"If the name contains more than 64 characters, an error message is generated.\n","D11","Name is too long. The maximum number of characters is 64.\n"]
["Reassignee – country code","E","The country code is required data if the type of ID code is ‘foreign business ID’. The country code may not be reported if the type of ID code is other than ‘foreign business ID’. The country code must be a 2-letter code according to ISO 3166 (e.g. SE or NO).\n\nIf the type of ID code is ‘foreign business ID’ but the country code has not been reported, an error message is generated.\n","B01","CountryCode is missing. This data element is required if IdCodeType is ForeignBusinessId."]
["Reassignee – country code",null,"If the country code contains more than 2 characters, an error message is generated.\n","D11","CountryCode is too long. The maximum number of characters is 2. \n\n"]
["Reassignee – country code",null,"If the country code contains less than 2 characters, an error message is generated.","D10","CountryCode is too short. The minimum number of characters is 2."]
["Reassignee – country code",null,"If the type of the reassignee’s ID code is ‘Business ID’, the country code can be left unreported or be reported to be ‘FI’.\n\nIf the type of ID code is Business ID and the country code reported is other than ‘FI’, an error message is generated.\n","D40","CountryCode is not a required data element if the type of ID code is Business ID. If the country code is given, it must be 'FI'."]

{"sheet":"7 Checking loan data","index":9,"n_rows":14,"n_cols":5,"rows_kept":14,"cut":false,"hidden":false,"merged":[]}
["Keyword","P = Required\nV = Optional\nE = Conditional","Processing rule","Error code","Error description"]
["Target environment","P","The target environment is required data. Permissible code values:\n- Test environment (Test)\n- Production environment (Production)\n\nIf some other value has been reported for the target environment, an error message is generated.\n","C40","The code value for TargetEnvironment is invalid.\n\n"]
["Target environment",null,"If no target environment has been reported, an error message is generated.\n","B00","TargetEnvironment is missing. This is a required data element.\n"]
["Requester – Type of ID code","P","The type of requester ID code is required data. Permissible code values:\n- Business ID (BusinessId)\n- Foreign business ID (ForeignBusinessId)\n\nIf some other value has been reported for the type of requester ID code, such as a personal identity code, an error message is generated.\n","C40","The code value for IdCodeType is invalid. \n"]
["Requester – Type of ID code",null,"If the type of requester ID code has not been reported, an error message is generated.\n","B00","IdCodeType is missing. This is a required data element."]
["Requester – ID code","P","The requester’s ID code must be the same as the certificate identifier.\n\nIf the requester’s ID code is not the same as the certificate identifier, an error message is generated.\n","F01","The certificate identifier must be the same as the owner’s IdCode.\n\n"]
["Requester – ID code",null,"If the requester’s ID code has not been reported, an error message is generated.\n","B00","IdCode is missing. This is a required data element."]
["Requester – ID code",null,"The requester's API access right is checked when the request is submitted.\n\nIf the requester does not have an access right, an error message is generated.\n","F00","Owner does not have API user rights. "]
["Requester – foreign business ID","P","The country code is required data if the type of ID code is ‘foreign business ID’. The country code may not be reported if the type of ID code is other than ‘foreign business ID’. The country code must be a 2-letter code according to ISO 3166 (e.g. SE or NO).\n\nIf the type of ID code is ‘foreign business ID’ but the country code has not been reported, an error message is generated.\n","B01","CountryCode is missing. This data element is required if Type of ID code is Foreign business ID."]
["Requester – foreign business ID",null,"The country code must match the country code in the certificate.\n\nIf the batch owner’s country code is not the same as the country code in the certificate, an error message is generated.\n","F01","CountryCode of the owner must be the same as the country code in the certificate. "]
["Loan number of requested item","P","The loan number is required data. The loan number must be found in the register.\n\nIf the loan number is not found in the register, an error message is generated.\n","E01","The combination of loan number and loan number type is not found in the register. Number: X, Type: X. \n\n"]
["Loan number of requested item",null,"If no loan number has been reported, an error message is generated.\n","B00","Number is missing. This is a required data element."]
["Type of loan number","P","The type of loan number is required data. Permissible code values:\n- IBAN number (Iban)\n- BBAN number (Bban)\n- Other loan number (Other)\n\nIf some other value has been reported for the type of loan number, an error message is generated.\n","C40","The code value for Type is invalid."]
["Type of loan number",null,"If the type of loan number has not been reported, an error message is generated.\n","B00","Type is missing. This is a required data element."]

{"sheet":"8 Credit register extract","index":10,"n_rows":22,"n_cols":5,"rows_kept":22,"cut":false,"hidden":false,"merged":[]}
["Keyword","P = Required\nV = Optional\nE = Conditional","Processing rule","Error code","Error description"]
["Target environment","P","Target environment is required data. Permissible code values:\n- Test environment (Test)\n- Production environment (Production)\n\nIf some other value has been reported for Target environment, an error message is generated.\n","C40","The code value for TargetEnvironment is invalid."]
[null,null,"If no target environment has been reported, an error message is generated.\n","B00","TargetEnvironment is missing. This is a required data element."]
["Requester","P","The type of requester ID code is required data. Permissible code values:\n- Business ID (BusinessId)\n- Foreign business ID (ForeignBusinessId)\n\nIf some other value has been reported for the type of requester ID code, such as a personal identity code, an error message is generated.\n","C40","The code value for IdCodeType is invalid.\n"]
[null,null,"If the type of requester ID code has not been reported, an error message is generated.\n","B00","IdCodeType is missing. This is a required data element.\n"]
["Requester – Business ID","P","The requester ID code must match the identifier in the certificate.\n\nIf the requester ID code is not the same as the identifier in the certificate, an error message is generated.\n","F01","The certificate identifier must be the same as the owner’s IdCode.\n\n\n\n"]
[null,null,"If the requester ID code has not been reported, an error message is generated.\n","B00","IdCode is missing. This is a required data element."]
[null,null,"The requester's API access right is verified when the request is submitted.\n\nIf the requester does not have an access right, an error message is generated.\n","F00","Owner does not have API user rights."]
["Requester – Foreign business ID","P","Country code is required data if the type of ID code is ‘foreign business ID’. The country code may not be reported if the type of ID code is other than ‘foreign business ID’. The country code must be a 2-letter code according to ISO 3166 (e.g. SE or NO).\n\nIf the type of ID code is ‘foreign business ID’ but no country code has been reported, an error message is generated.\n","B01","CountryCode is missing. This data element is required if Type of ID code is Foreign business ID.\n"]
[null,null,"The country code must match the country code in the certificate.\n\nIf the requester’s country code is not the same as the country code in the certificate, an error message is generated.\n","F01","CountryCode of the owner must be the same as the country code in the certificate. "]
["Person requested – Type of ID code","P","Type of ID code of person requested is required data. Permissible code value:\n- Personal identity code (PersonalIdentityCode)\n\nIf the type of ID code of person requested has some other value, such as a Business ID or a foreign business ID, an error message is generated.\n","C40","The code value for IdCodeType is invalid. \n"]
[null,null,"If the type of ID code has not been reported, an error message is generated.\n","B00","IdCodeType is missing. This is a required data element.\n\n"]
["Person requested – ID code","P ","ID code of person requested is required data. The ID code must be in the personal identity code format and it must be found in the register.\n\nIf no ID code has been reported, an error message is generated.\n","B00","IdCode is missing. This is a required data element.\n"]
[null,null,"If the ID code is not found in the register, an error message is generated.\n","E20","IdCode not found in the register.\n"]
[null,null,"If the format of ID code is invalid, an error message is generated.\n","E21","The identifier is invalid. "]
[null,null,"The allowed characters are:\n- letters ABCDEFHJKLMNPRSTUVWXY\n- numbers 0–9\n- symbols + and -\n\nIf the ID code contains characters that are not allowed, an error message is generated.\n","C50","The identifier contains characters that are not allowed. The allowed characters are letters ABCDEFHJKLMNPRSTUVWXY, numbers 0–9 and symbols + and -. \n"]
[null,null,"The ID code must be in the format DDMMYYXNNNC, where \n- DDMMYY = date of birth\n- X = sign indicating the century of birth (‘+’ = 1800-1899,  '-', Y, X, W, V, U = 1900-1999 or A, B, C, D, E, F = 2000-2099)\n- NNN = running number 002–899 (even for females, odd for males)\n- C = calculated control character, which is a number 0-9 or a capital letter A-Y (not G, I, O, Q).\n\nIf the format of the ID code is invalid, an error message is generated.\n","C50","The format of the identifier is invalid. The identifier must be in the format DDMMYYXNNNC."]
["Credit register extract’s purpose of use","P","Only the following code values are permissible at CreditRegisterExtractPurpose:\n- \tNew consumer credit contract (NewConsumerCredit) \n- \tIncrease of the credit principal or credit limit of a consumer credit (IncreaseOfConsumerCreditPrincipalOrCreditLimit)\n- \tChange to the terms of a consumer credit (ChangesToTermsOfConsumerCredit)\n- \tGuarantee or third-party security for a consumer credit (GuaranteeOrThirdPartyPledgeForConsumerCredit)\n- \tNew loan contract for a person other than a consumer (NewLoan) - valid starting on 1 April 2026\n- \tIncrease of the loan principal or credit limit of a loan granted to a person other than a consumer (IncreaseOfLoanPrincipalOrCreditLimit) - valid starting on 1 April 2026\n- \tChange to the terms of a loan granted to a person other than a consumer (ChangesToTerms) - valid starting on 1 April 2026\n- \tGuarantee or third-party security for a loan granted to a person other than a consumer (GuaranteeOrThirdPartyPledge) - valid starting on 1 April 2026\n\nIf other than a permissible code value is reported at CreditRegisterExtractPurpose, an error is generated.\n","C40","The code value for CreditRegisterExtractPurpose is invalid."]
[null,null,"If the credit register extract’s purpose of use has not been reported, an error message is generated.\n\n","B00","CreditRegisterExtractPurpose is missing. This is a required data element."]
[null,null,"If the same purpose of use has been reported for the credit register extract more than once, an error message is generated.\n","E00","You cannot report the same purpose of use for the credit register extract more than once."]
[null,null,"At least one purpose of use must be reported in the CreditRegisterExtractPurpose data group.\nThe list may not be left blank. \n\nIf the CreditRegisterExtractPurpose data group is reported but no purpose is provided in the list, an error is generated.\n","D30","CreditRegisterExtractPurpose must contain at least 1 element.\n\n"]
[null,null,"If the code value reported for the credit register extract’s purpose of use is a value that the requester is not entitled to use, an error message is generated. \n","F00","The requester is not entitled to use one or more of the credit register extract’s purposes of use."]