# Generate a subsidized offer for a consumer loan

Creates a subsidized loan offer with a reduced interest rate from the original offer. You must add the required interest rate in the request body to receive the new offer.

Endpoint: POST /v1/persons/{person_id}/consumer_loan_applications/{application_id}/offers/{offer_id}/subsidize
Version: 1.0

## Path parameters:

  - `person_id` (string, required)
    The  of the customer applying for the loan.

  - `application_id` (string, required)
    The unique ID of the customer's loan application.

  - `offer_id` (string, required)
    The unique ID of a loan offer.

## Request fields (application/json):

  - `interest_rate` (number, required)
    The requested reduced interest rate to be applied to the loan offer.
    Example: 0.02

## Response 201 fields (application/json):

  - `id` (string, required)
    The unique ID of the loan offer.
    Example: "105a0fa505f44afea4b433d170b83d87cofr"

  - `loan_amount` (object, required)
    The loan amount offered to the customer.
    Example: {"value":1000,"unit":"cents","currency":"EUR"}

  - `loan_amount.value` (integer, required)
    The amount value
    Example: 1000

  - `loan_amount.currency` (string, required)
    The currency of the given value. Only EURO is currently supported.
    Example: "EUR"

  - `loan_amount.unit` (string, required)
    The unit of the given value.
    Enum: "cents"

  - `loan_term` (integer, required)
    The number of months over which the loan will be repaid.
    Example: 36

  - `interest_rate` (number, required)
    The offered monthly interest rate to be applied to the loan.
    Example: 0.12

  - `annual_percentage_rate` (number, required)
    A percentage that represents the yearly cost of funds over the term of a loan. It includes interest, fees and additional costs associated with a loan.
    Example: 0.13

  - `effective_interest_rate` (number, required)
    The annual effective interest rate to be applied to the loan.
    Example: 0.13

  - `monthly_installment` (object, required)
    Example: {"value":1000,"unit":"cents","currency":"EUR"}

  - `approximate_total_loan_expenses` (object, required)
    An approximate amount of the loan total expenses (e.g., costs and expenses the lender incurred during a loan lifecycle).
    Example: {"value":1000,"unit":"cents","currency":"EUR"}

  - `subsidized` (boolean, required)
    A field to indicate whether the loan offer is subsidized or not.

  - `type` (string, required)
    The type of the loan offer.
    Enum: "original", "decreased_amount", "increased_term"

## Response 400 fields (application/json):

  - `title` (string)
    Example: "Failed to build pagination headers."

  - `status` (string)
    Example: "400"

  - `id` (string)
    Example: "a95f2aaf-4e0c-4d49-8021-8a16a884ed86"

  - `detail` (string)
    Example: "Cannot connect to database."

  - `code` (string)
    Example: "build_pagination_headers_failure"

## Response 404 fields (application/json):

  - `title` (string)
    Example: "Model Not Found"

  - `status` (string)
    Example: "404"

  - `id` (string)
    Example: "a95f2aaf-4e0c-4d49-8021-8a16a884ed86"

  - `detail` (string)
    Example: "Couldn't find 'Account' for id 'DE24112233445566'."

  - `code` (string)
    Example: "model_not_found"