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Validation Messages and Codes

This document provides a comprehensive overview of all validation error codes and messages used in the Repayment Schedule Request flow.

Error Code Reference

LOAN_NOT_DISBURSED

Error Code: loan_not_disbursed

Message: "Loan is not disbursed"

Description: The loan must be in disbursed status to create a repayment schedule request.

MAX_RENEGOTIATIONS_EXCEEDED

Error Code: max_renegotiations_exceeded

Message: "Maximum number of renegotiations of this type exceeded"

Description: The maximum number of active renegotiation requests for this type has been reached. The limit is 1 for most types and 2 for TERM_EXTENSION_RESTRUCTURING.

NO_ACTIVE_SCHEDULE

Error Code: no_active_schedule

Message: "There is no active repayment schedule for this loan"

Description: The loan must have an active repayment schedule to create a renegotiation request.

NO_INSTALLMENTS

Error Code: no_installments

Message: "Active schedule does not have installments"

Description: The active repayment schedule must contain at least one installment.

NO_PROPOSED_SCHEDULE

Error Code: no_proposed_schedule

Message: "Proposed schedule does not contain installments"

Description: The proposed schedule must contain at least one installment.

INVALID_DUE_DATE

Error Code: invalid_due_date

Messages:

  • "Proposed installments do not have 'due_date' field"
  • "Invalid due date: 08/10/2025. Expected format: YYYY-MM-DD"
  • "No changes in due dates of installments"
  • "Last proposed installment date (2025-10-08) must be after the last active installment date (2025-11-25)"

Description: Various validation failures related to due dates in the proposed schedule.

INVALID_INSTALLMENTS

Error Code: invalid_installments

Messages:

  • "Proposed installments do not have 'fixed_amount' field"
  • "Invalid fixed_amount: any string"
  • "Installment fixed_amount must be greater than zero"

Description: Validation failures related to installment amounts and structure.

MAX_DUE_DATE_EXCEEDED

Error Code: max_due_date_exceeded

Message: "Maximum due date proposed (2025-12-31) exceeds the maximum due date of the active schedule (2025-12-20)"

Description: For DUE_DATE_ADJUSTMENT type, the proposed due dates cannot extend beyond the original schedule's maximum due date.

MAX_INSTALLMENTS_EXCEEDED

Error Code: max_installments_exceeded

Message: "Maximum number of installments exceeded: 18 installments, max is 12"

Description: The proposed schedule exceeds the facility's maximum allowed number of installments.

INVALID_DISCOUNT

Error Code: invalid_discount

Message: "Discount amount (150.0) exceeds maximum allowed discount (100.). Present value: 1200.0, Outstanding principal: 1100.0."

Description: For LOSS_RISK_AGREEMENT type, the discount amount cannot exceed the difference between present value and outstanding principal.

LOW_INTEREST_RATE

Error Code: low_interest_rate

Messages:

  • "Inferred interest rate is NaN"
  • "Inferred interest rate 0.035 is less than the minimum allowed interest rate 0.0679"

Description: The calculated interest rate is either invalid (NaN) or below the minimum threshold configured in the repayment adapter.

GRACE_PERIOD_EXCEEDED

Error Code: grace_period_exceeded

Message: "First proposed date 2026-02-10 is more than 60 days from today 2025-10-08"

Description: The first proposed installment date exceeds the maximum grace period allowed by the repayment adapter.

INTEREST_RATE_CHANGED

Error Code: interest_rate_changed

Message: "Interest rate cannot change for due date adjustment. Loan interest rate: 0.1200, inferred interest rate: 0.1176"

Description: For DUE_DATE_ADJUSTMENT type, the interest rate must remain unchanged from the original loan.

NOT_DEFAULT_ENOUGH

Error Code: not_default_enough

Message: "Loss risk agreement allowed only for default over 90 days"

Description: For LOSS_RISK_AGREEMENT type, the loan must be in default for the minimum required number of days.

JUSTIFICATION_REQUIRED

Error Code: justification_required

Message: "Formal justification is required for loss risk agreement"

Description: For LOSS_RISK_AGREEMENT type, a formal justification must be provided.

APPROVER_NOT_ALLOWED

Error Code: approver_not_allowed

Messages:

  • "Approver name is required for loss risk agreement"
  • "Approver name is not allowed to approve this request"

Description: For LOSS_RISK_AGREEMENT type, an approver name is required and must be in the list of allowed approvers.

TYPE_NOT_SUPPORTED

Error Code: type_not_supported

Message: "Renegotiation type not supported"

Description: The requested renegotiation type is not supported by the system.

Updated 6 days ago