SBAB Enterprise API
Enterprise is what SBAB additional to AIS and PIS provide in the SBAB Bank-API. There are two parts of the enterprise, one is to fetch loan information for existing SBAB customers and the other is to send in a loan-application and the support services around the loan application flow.
- Differentiated mortgage interest service
- Loan account information
- Loan calculation
- Pre approval
- Loan application (incl. support services)
Partnerships and access to production environment will be evaluated on an case by case basis.Read documentation and test API
Left to live flow
A left to live request is sent in:
A calculation of the left to live value is executed and if the calculation returned a positive result it gives an indication that the customer/s can loan the given amount.
If the calculation returns a negative value a new loan amount is suggested in the reply based on the max loan amount the customer/s can loan. If the loan amount calculated in max loan amount is less than the minimum loan amount approved by SBAB the returned value 0 and an error text is provided in the reply.
Pre Approval Flow
The pre approval is not a final loan application and provides an indication of if a loan application can be approved. Note that the requests for pre approval and the status requires a valid token for a system user.
Below is a short description of the pre approval application flow:
A pre-approval application is sent to SBAB
A calculation of the left to live value is executed and if the calculation returns a positive result a pre approval id is returned and the pre-approval is sent SBABs credit handling system KRE. (status = pre approval processing)
If the calculation returns a negative value a new loan amount is suggested in the reply (no status is set and the pre-approval is not sent to the credit handling system KRE). Note that in order to apply for a pre approval with a lower amount (approved by left to live calculation) has to be sent in order for SBAB to process the pre approval. The pre approval is either approved or rejected.
Loan Application Flow
The loan application can be used for both transferring existing loans to SBAB or applying for a new loan when purchasing a new accommodation.
Below is a short description of the loan application flow:
A loan application is sent to SBAB. (no status yet)
A calculation of the left to live value is executed and if the calculation returns a positive result the application is saved and a loan application id is returned. The application id is used when signing the loan application or asking for the status of the loan application. (status = need signing)
If the calculation returns a negative value a new loan amount is suggested in the reply (no status set and application is not saved). Note that in order to apply for a loan an application with a lower amount (approved by left to live calculation) has to be sent in order for SBAB to process the loan application.
The loan applicant signs the application (status = signed)
When signing has been successful, the loan application is sent to SBABs loan application system (KRE) (status = processing loan application)
SBABs customer support call the loan applicant and creates supplementary document required for the loan application (status = supplements required and a list of the supplements is provided in the status reply)
The customer sends in supplements (status processing loan application and status of the supplements is set to recieved)
SBAB's customer Service approves the supplementary documents (status processing loan application and status of the supplement = approved)
SBAB's Customer Service approves the application and prints the loan documents (status = loan documents ready for signing)
The loan applicant signs the loan documents and sends to SBAB via mail
The loan documents are recieved (status = loan documents recieved)
SBAB's customer service approves the signed loan document (status = ready for disbursement)
The loan is disbursed (status = disbursed)
Left to live calculation
The left to live calculation can be used before a loan application is sent in order to get an indication if the loan will be accepted. Note that no credit check is done for this call, so it will not give a definite response, only an indication.