This topic provides the systematic instructions to capture the collateral which is offered by the customer as security for Overdraft limit.

1. Click Next in previous data segments to proceed with the next data segment, after successfully capturing the data.
2. Click Add Collateral to capture the collateral details.

   The Collateral Details screen displays.

   Figure 2-14 Collateral Details

   
   

   
   Description of "Figure 2-14 Collateral Details"

   
   

If the Collateral Type is selected as Term Deposit, the following warningmessage displays when the OD Limit expiry date is more than the Maturity Date of the term deposit.The Warning Message popup screen displays.

3. Specify the details in the relevant data fields. For more information on fields, refer to the field description table below.

   Table 2-13 Collateral Details - Field Description

   Field	Description
   Primary Collateral	Specify the primary collateral.
   Collateral Type	Select the collateral type. Available options are: Property Guarantee Vehicle Precious Metal Deposits Bonds Stocks Insurance Accounts Receivable Inventory (Stock of Material)
   Category	Select the collateral category. Available options are: If Collateral type is selected as Property Residential Property Vacant Land Under Construction If Collateral type is selected as Guarantee Personal Guarantee Guarantee and Indemnity Government Guarantee Family Guarantee If Collateral type is selected as Vehicle Passenger Vehicle Commercial Vehicle If Collateral type is selected as Precious Metal Precious Metal If Collateral type is selected as Deposits Term Deposit If Collateral type is selected as Bonds Secured Bonds Unsecured Bonds Investment Bonds If Collateral type is selected as Stocks Domestic Stock If Collateral type is selected as Insurance Life Insurance If Collateral type is selected as Accounts Receivable Bill Receivable Trade Receivable If Collateral type is selected as Inventory (Stock of Material) Stock of Raw Materials Finished Goods Packaging Materials
   Collateral Branch	Displays the branch of the collateral.
   Term Deposit Number	Select the Term Deposit Number from the list. The Term Deposit which has crossed the maturity date and the “Allow Collateral Linkage” disabled, will not appear in the list.
   Maturity Date	Select the Maturity Date of the term deposit.
   Available Linkage Amount	Specify the available linkage amount.
   Linked Amount	Specify the linked amount.
   Linkage Currency	Displays the linkage currency.
   Guarantee Type	Specify the type of guarantee. This field appears only if the collateral type is Guarantee.
   Currency	Specify the currency of the collateral value.
   Collateral Value	Specify the collateral value.
   Collateral Description	Specify the collateral description.
   Mark Collateral For Refinance	Specify if an added collateral should be consider for refinance.
   Applicants	This section displays the applicants name and remarks that are involved in the loan application. These applicants are also related to the added collateral.
   Guarantor	This section displays the guarantor name.
   Purchase Property	Specify whether the collateral property being added is being purchased. This field appears if the Property option is selected from the Collateral Type list.
   Liability ID	Displays the Liability ID
   Liability Description	Displays the Liability description.
   Collateral Available Date Range	Select the date range of the collateral. The range indicates the date from and date up to, which the collateral is available.
   Collateral Value	Specify the value of the collateral.
   Hair Cut %	Specify the percentage of Hair Cut.
   Collateral Amount To Be Considered	Displays the collateral amount to be considered. Collateral Amount = (Hair Cut % Collateral Value)
   Collateral Description	Specify the collateral description.
   Property Location	In this section you can enter property address which is added as collateral. This section appears only if you select Property from the Collateral Type list. The fields appears if you select the Property option from the Collateral Type list.
   Address	Specify the address to search already captured address. Based on configuration, on entering few letters, the system fetches the related address that are already captured. Based on the selection, the fields are auto populated in the address section.
   Address Line 1	Specify the building name.
   Address Line 2	Specify the street name.
   Address Line 3	Specify the city or town name.
   State / Country Sub Division	Specify the state or country sub division.
   Country	Select and search the country code.
   Zip Code / Post Code	Specify the zip or post code of the address.
   Collateral Ownership Details	In this section you specify the ownership details of the collateral property. This section displays all the customers that are involved in the loan application. The fields appears if you select the Property option from the Collateral Type list.
   Ownership Type	Select the ownership type of the property. The available options are Single Joint The fields appears if you select the Property option from the Collateral Type list.
   Select	Select the appropriate customer as owner from the list. The fields appears if you select the Property option from the Collateral Type list.
   Customer Name	Displays the customer name along with title. The fields appears if you select the Property option from the Collateral Type list.
   Ownership Percentage	Displays the percentage of the ownership of the customer. The fields appears if you select the Property option from the Collateral Type list.
   Remark	Displays the remark of the customer. The fields appears if you select the Property option from the Collateral Type list.
   Market LTV	Displays the market LTV.
   Bank LTV	Displays the bank LTV.
   Collateral Description	Displays the description of the collateral.
   Collateral Type	Displays the collateral type.
   Category	Displays the category of the collateral.
   Collateral Value	Displays the collateral value.
   Owners	Displays the owner names of the collateral.
   <Actions>	Displays the actions that you can perform on the added collateral. - Click delete to delete the added collateral. - Click down arrow to view the collateral details.
   Total Collateral Value	Displays the total value of collateral. This field will be auto updated based on the number of collaterals.
   Cover Available	Displays the cover available. This field will be auto updated based on the number of collaterals.

   Note:

   All the fields are fetched from Oracle Banking Credit Facilities Process Management in read only mode, if integrated with Oracle Banking Credit Facilities Process Management.
4. Click Next to navigate to the next data segment, after successfully capturing the data. The system validates for all mandatory data segments and data fields. If mandatory details are not provided, the system displays an error message for the user to take an action. The User cannot to proceed to the next data segment, without capturing the mandatory data.