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Pre approval API KALP vs MAX Guide

Guide for Left-To-Live or Max-loan-amount offer for Pre-Approvals

This is a quick guide for Left-To-Live or Max-loan-amount calculation to calculate the Pre-Approval offer for an applicant. Depending on if the optional parameter estimated_purchase_price is set or not decides which calculation is used. More details are provided in the sections below.
Please note that there is no sandbox environment available for the Pre-approval API yet.
Please refer the api spec for details:

pre-approval api spec

Left-To-Live calculation

Left-To-Live calculation is based on the estimated_purchase_price of the property and applicants' finances.
The estimated_purchase_price is added to the condominium or the house in the intended_property attribute of the pre-approval offer request.
See examples below:


Note: If Left-To-Live calculation is negative, a max-loan-amount is calculated and returned along with a recalculation_reason

Example Responses:

Please refer to the Pre-Approval Guide for detailed integration steps.

Max-Loan-Amount calculation

Max-Loan-Amount calculation is based on applicants' finances.
The estimated_purchase_price is NOT added to either condominium or house in the intended_property attribute of the pre-approval offer request.
See examples below:


The response contains the maximum amount offered to applicant(s) by SBAB.
Example Response:

Please refer to the Pre-Approval Guide for detailed integration steps.