Pre-Approval
Pre-Approvals provide an indication of if a Loan Application might be approved, being a calculation that provides the customer with an indication of how much they could borrow given the type of object, loan amount and municipality. It is not binding, and a positive or negative answer is not a guarantee of the same outcome when applying for an effective loan, yet given that all factors and parameters remain the same for both, the loan is likely to have the same outcome.
Note that all applicants must sign before the pre-approval is sent in to the credit handling system.
API spec
Please refer the api spec for details:
pre-approval api spec
Available Endpoints
The urls for the pre-approval endpoints are as follows:
| # | Url | Description |
|---|---|---|
| 1 | POST https://api.sbab.se/partner/mortgage/2.0/pre-approval | Submit data to generate pre-approval offer |
| 2 | POST https://api.sbab.se/partner/mortgage/2.0/pre-approval/{id}/acceptance | Accept pre-approval offer variant with or without unsecured loan |
| 3 | GET https://api.sbab.se/partner/mortgage/2.0/pre-approval/{id}/status | Get the status of a submitted pre-approval |
| 4 | Signing API | Initiate signing for an applicant |
Pre-approval flow
See the pre-approval API flow below:
- Send in a pre-approval request.
An offer is calculated and sent back as a response. - Accept the offer.
- Initiate signing for each applicant. Refer enterprise-signing for details.
- Once all applicants have signed, the pre-approval is sent for further processing.
- Request the status of the pre-approval application, to check that the application is processed.
For detailed integration steps, refer to the Pre-Approval Guide.