Direct Integration API

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RealEstateAsset

Sample Request

{
    "Package": {
        "Content": {
            "Application": {
                "RealEstateAsset": [
                    {
                        "ContractDetails": {
                            "@ContractPriceAmount": 1200,
                            "@ArmsLengthTransaction": "Test",
                            "@LicensedRealEstateAgentContract": "Yes",
                            "@ContractDate": "2020-02-05",
                            "@DepositAmount": 100,
                            "@DepositPaid": 8,
                            "@TransferOfLandAmount": 700
                        },
                        "EstimatedValue": {
                            "@EstimateBasis": "Bank Assessment",
                            "@Value": 1200
                        },
                        "PercentOwned": {
                            "Owner": [
                                {
                                    "@Percent": 100,
                                    "@x_Party": "a0030d9d2870"
                                }
                            ],
                            "@Proportions": ""
                        },
                        "PropertyFeatures": {
                            "@FloorArea": 4,
                            "@LandArea": 1,
                            "@LandAreaUnits": "Acres"
                        },
                        "Residential": {
                            "@Type": "Apartment Unit Flat"
                        },
                        "RentalIncome": {
                            "@EvidenceOfTenancy": "Yes",
                            "@Frequency": "Daily",
                            "@RentalAmount": 1000
                        },
                        "Title": {
                            "@TenureType": "None",
                            "@TitleSystem": "Company",
                            "@Folio": "Test",
                            "@Lot": "Test",
                            "@LotPlan": "Test",
                            "@Volume": "Test"
                        },
                        "VisitContact": {
                            "@Type": "Applicant",
                            "@x_ContactParty": "f857ae9f5f7e"
                        },
                        "@ApprovalInPrinciple": "Yes",
                        "@Holding": "Sole",
                        "@PrimaryPurpose": "Owner Occupied",
                        "@PrimarySecurity": "Yes",
                        "@PrimaryUsage": "Residential",
                        "@PropertyID": "sder45678",
                        "@Status": "Established",
                        "@ToBeUsedAsSecurity": "Yes",
                        "@Transaction": "Owns",
                        "@UniqueID": "f857ae9f5f78",
                        "@x_Address": "d177811716f4"
                    }
                ]
            }
        }
    }
}

Detailed description of each field:

Field Name	Description	Type	Path	Required	Enumerations
RealEstateAsset	Contains information about an asset which is real property	array	Package.Content.Application.RealEstateAsset
ContractDetails	Contains information relating to the construction of a dwelling on a security property	object	Package.Content.Application.RealEstateAsset.ConstructionDetails
@ContractPriceAmount	Captures the total purchase/sale price as specified in the Contract of Sale	Number	Package.Content.Application.RealEstateAsset.ContractDetails.ContractPriceAmount
@ArmsLengthTransaction	Flag to indicate whether the transacting parties are arms length parties	string	Package.Content.Application.RealEstateAsset.ContractDetails.ArmsLengthTransaction
@LicensedRealEstateAgentContract	Indicates that the Contract of Sale uses a form that has been developed for use by real estate agents, as opposed to lawyers and conveyancers. Relevant in States where this practice has not been superseded by a standard form contract of sale	string	Package.Content.Application.RealEstateAsset.ContractDetails.LicencedRealEstateAgentContract
@ContractDate	The date of the Contract of Sale	string	Package.Content.Application.RealEstateAsset.ContractDetails.ContractDate
@DepositAmount	Captures the total amount that is or was payable as a deposit for the security property being purchased	Number	Package.Content.Application.RealEstateAsset.ContractDetails.DepositAmount
@DepositPaid	Captures the amount of the purchase deposit that has been paid by the applicants as at the date the application is submitted	Number	Package.Content.Application.RealEstateAsset.ContractDetails.DepositPaid
@TransferOfLandAmount	The value of the property, as used for the calculation of stamp duty	Number	Package.Content.Application.RealEstateAsset.ContractDetails.TransferOfLandAmount
EstimatedValue	Contains details about the estimated value of the property	object	Package.Content.Application.RealEstateAsset.EstimatedValue
@EstimateBasis	Indicates whether the estimate was based on the valuation of the applicant or a certified valuer	string	Package.Content.Application.RealEstateAsset.EstimatedValue.EstimateBasis		Applicant Estimate, Certified Valuation
@Value	The estimated value of the real estate	Number	Package.Content.Application.RealEstateAsset.EstimatedValue.Value
PercentOwned	An asset may be owned by one or more parties, typically the applicants, so there may be more than one owner referenced. An asset may also be partially owned by a non-applicant, such as an applicant's spouse, in which case the third party owner may be referenced, or less than 100% ownership of the asset may be assigned. If the asset is to be purchased, then this indicates the expected ownership arrangement post-settlement. If the percentage ownership is not shown, then ownership is assumed to be in equal parts	object	Package.Content.Application.RealEstateAsset.PercentOwned
Owner	Container that associates a reference to an owner or other responsible party with the percentage of the item that they own or are responsible for	array	Package.Content.Application.RealEstateAsset.PercentOwned.Owner
@Percent	Captures the percentage of the item that referenced party owns or is responsible for	Number	Package.Content.Application.RealEstateAsset.PercentOwned.Owner.Percent	Yes
@x_Party	Contains a reference to a party that is an owner of the item, or has a similar relationship such as a borrower or beneficiary	string	Package.Content.Application.RealEstateAsset.PercentOwned.Owner.x_Party	Yes
@Proportions	Flag to indicate whether the ownership proportions are equal across all owners, specified individually for each one, or not specified	string	Package.Content.Application.RealEstateAsset.PercentOwned.Proportions
PropertyFeatures	Container for information about the property's features	object	Package.Content.Application.RealEstateAsset.PropertyFeatures
@FloorArea	The floor area of the building on the property, in sqm. Where is more than one dwelling or structure on the property, then the lender's policy will determine how the applicant is to calculate the floor area. For a residential property, generally speaking this is the living area	Number	Package.Content.Application.RealEstateAsset.PropertyFeatures.FloorArea
@LandArea	The land area of the property. The units of measurement must also be specified with this figure	Number	Package.Content.Application.RealEstateAsset.PropertyFeatures.LandArea
@LandAreaUnits	The units of measurement for the stated land area	strings	Package.Content.Application.RealEstateAsset.PropertyFeatures.LandAreaUnits
Residential	Contains information about real estate that is residential	object	Package.Content.Application.RealEstateAsset.Residential
@Type	The type of dwelling that exists or is to be located on the residential property. For an established or new dwelling, specifies the type of dwelling that is currently located on the residential property. For an off-the-plan purchase or construction loan, specifies the type of dwelling that will be constructed. If the vacant property is notionally residential but without an intention to build in the immediate future, then the type would remain Vacant Land	string	Package.Content.Application.RealEstateAsset.Residential.Type	Yes	Aged Care Unit, Apartment Unit Flat, Converted Commercial Property, Converted Motel Units, Display House, Duplex, Fully Detached House, Holiday Home, Property Development, Relocatable Home, Resort Unit, Semi Detached House, Serviced Apartment, Terrace, Townhouse, Unit Student Accommodation, Vacant Land, Villa
RentalIncome	Information about rental income earned from the property	object	Package.Content.Application.RealEstateAsset.RentalIncome
@EvidenceOfTenancy	Indicates whether the applicant can provide the lender with evidence that the property is tenanted, typically in the form of a lease	string	Package.Content.Application.RealEstateAsset.RentalIncome.EvidenceOfTenancy
@Frequency	The frequency of rental payments gross amount	string	Package.Content.Application.RealEstateAsset.RentalIncome.Frequency		Weekly, Fortnightly, Monthly, Quarterly, Half Yearly, Yearly
@RentalAmount	The gross amount of rent that is paid under the lease. The frequency (weekly, monthly etc.) for the rental amount specified should also be explicitly specified	Number	Package.Content.Application.RealEstateAsset.RentalIncome.RentalAmount
Title	Contains information relating to the title details for the real property		Package.Content.Application.RealEstateAsset.Title
@TenureType	The type of title scheme that the owners derive their tenure or estate from	string	Package.Content.Application.RealEstateAsset.Title.TenureType
@TitleSystem	The type of title regime that the property is governed by	string	Package.Content.Application.RealEstateAsset.Title.TitleSystem
@Folio	Folio of the land title	string	Package.Content.Application.RealEstateAsset.Title.Folio
@Lot	Lot identifier of the land title	string	Package.Content.Application.RealEstateAsset.Title.Lot
@LotPlan	Contains the Lot Plan detail	string	Package.Content.Application.RealEstateAsset.Title.LotPlan
@Volume	Should be provided when Title Type = \"Torrens Title\"	string	Package.Content.Application.RealEstateAsset.Title.Volume
VisitContact	Contains details of the party who the lender's valuer should contact to arrange an inspection of the property	object	Package.Content.Application.RealEstateAsset.VisitContact
@Type	The relationship of the valuation contact to the property to be inspected	string	Package.Content.Application.RealEstateAsset.VisitContact.Type
@x_ContactParty	The party that should be contacted to arrange site visit	string	Package.Content.Application.RealEstateAsset.VisitContact.x_ContactParty
@ApprovalInPrinciple	Indicates that the applicant has not yet identified a specific property for purchase but that this property represents a general description of the type of property they are looking to purchase, so an approval in principle is sought from the lender	string	Package.Content.Application.RealEstateAsset.ApprovalInPrinciple
@Holding	Specified the capacity in which the owners hold, or will hold in the case of a proposed purchase, their interest in the property	string	Package.Content.Application.RealEstateAsset.Holding	Yes
@PrimaryPurpose	Indicates the primary or predominant purpose for which the owners hold the property	string	Package.Content.Application.RealEstateAsset.PrimaryPurpose	Yes	Investment, Owner Occupied
@PrimarySecurity	Indicates whether the property will be the primary security for the loan(s). Primary security is to be contrasted with collateral securities, which equally secure the borrowings but which are stamped collateral to the primary security	string	Package.Content.Application.RealEstateAsset.PrimarySecurity	Yes
@PrimaryUsage	The primary usage of the property	string	Package.Content.Application.RealEstateAsset.PrimaryUsage	Yes	Residential
@PropertyID	The property ID from the data provider	string	Package.Content.Application.RealEstateAsset.PropertyID	Yes
@Status	Indicates the state of any current dwelling on the property	string	Package.Content.Application.RealEstateAsset.Status	Yes
@ToBeUsedAsSecurity	Indicates whether the asset is to be used as security for the new or refinanced loan(s)	string	Package.Content.Application.RealEstateAsset.ToBeUsedAsSecurity	Yes
@Transaction	Indicates the current status of the applicants' ownership of the property, or the transaction that is proposed by them in relation to the property	string	Package.Content.Application.RealEstateAsset.Transaction	Yes	Owns, Purchasing
@UniqueID	System assigned unique identifier	string	Package.Content.Application.RealEstateAsset.UniqueID	Yes
@x_Address	Address should capture the location details of real estate asset	string	Package.Content.Application.RealEstateAsset.x_Address	Yes, if To Be Used As Security = Yes

RealEstateAsset

Sample Request

Detailed description of each field:

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