# Create Consumer Overdraft Application

Creates a consumer overdraft application and assigns it to the  with the given  in the path parameter. Before calling this endpoint, you must collect the required information from the customer, such as the employment status and income declaration and the consent to the account snapshot and credit check. Additionally, you need to create a credit record for the customer. Afterwards, Solaris' credit scoring system assesses the application to determine the person credit eligibility and either approves or rejects the application.

Endpoint: POST /v1/persons/{person_id}/consumer_overdraft_applications
Version: 1.0

## Path parameters:

  - `person_id` (string, required)
    The unique person ID, generated after completing the person onboarding process.

## Request fields (application/json):

  - `identification_id` (string, required)
    The unique identification ID of a person, generated after completing the person identification process.
    Example: "176a96d1ecf7459d659d1b7f0108a3f2cidt"

  - `account_iban` (string, required)
    The IBAN of a person account.
    Example: "DE87110101001000057123"

  - `employment_status` (string, required)
    The consumer's employment status, mentioned in the signed self-declaration form.
    Enum: "EMPLOYED", "UNEMPLOYED", "PUBLIC_SECTOR_EMPLOYEE", "PROFESSIONAL_SOLDIER", "FREELANCER", "HOUSEWORK", "APPRENTICE", "MANAGEMENT", "RETIRED", "STUDENT", "SELF_EMPLOYED", "MILITARY_OR_COMMUNITY_SERVICE"

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

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

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

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

  - `partner_risk_class` (string)
    The risk class assigned to a customer by the partner.
    Example: "d"

  - `partner_requested_limit` (object,null)
    The limit requested by partner
    Example: {"value":1000,"unit":"cents","currency":"EUR"}

  - `partner_reference_number` (string)
    The partner's reference number.
    Example: "a123456"

  - `partner_contact_number` (string)
    The number of the partner's contact person.
    Example: "+491565904345"

  - `partner_contact_name` (string)
    The name of the partner's contact person.
    Example: "Peter Mustermann"

  - `minimum_credit_risk_criteria` (object,null)
    Minimum credit risk criteria fields for scorer

  - `credit_record_id` (string)
    The unique ID of a credit record, generated after creating a consumer credit record.
    Example: "fbb7d15fa4c54ba0b077592665ef04a4ccrd"

## Response 201 fields (application/json):

  - `id` (string, required)
    The unique ID of a consumer overdraft application.
    Example: "b83z264de98741018419b53648e20ca9coap"

  - `partner_id` (string, required)
    The unique partner ID, generated after creating a partner.
    Example: "6ee8e4c8bdc2f9b15870c989706aa9cccpar"

  - `person_id` (string, required)
    The unique person ID, generated after completing the person onboarding process.
    Example: "dc1a6812a14f6cc338cd084208535bcdcper"

  - `identification_id` (string, required)
    The unique identification ID of a person, generated after completing the person identification process.
    Example: "176a96d1ecf7459d659d1b7f0108a3f2cidt"

  - `account_iban` (string, required)
    The IBAN of a person account.
    Example: "DE87110101001000057123"

  - `status` (string, required)
    The status of a consumer overdraft application.
    Enum: "scoring_pending", "offered", "overdraft_created", "rejected", "deleted"

  - `created_at` (string, required)
    The date and time the consumer overdraft application was created.
    Example: "2021-08-03T18:01:48.000Z"

  - `status_description` (string,null)
    The description of the consumer overdraft application status.
    Example: "The overdraft is approved and offered to the customer."

  - `partner_risk_class` (string,null)
    The risk class assigned to a customer by the partner.
    Example: "d"

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

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

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

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

  - `partner_reference_number` (string,null)
    The partner's reference number.
    Example: "a123456"

  - `partner_contact_number` (string,null)
    The number of the partner's contact person.
    Example: "+491565904345"

  - `partner_contact_name` (string,null)
    The name of the partner's contact person.
    Example: "Peter Mustermann"

  - `overdraft_id` (string,null)
    The unique ID of a consumer overdraft, generated after an overdraft is offered.
    Example: "00556cd181f2409aaa6c2a033cce3a8fcovd"

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

  - `minimum_credit_risk_criteria` (object,null)
    Minimum credit risk criteria fields for scorer

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

  - `interest_accrual_rate` (number,null)
    Scorer rate for risk based pricing

  - `employment_status` (string,null)
    The consumer's employment status, mentioned in the signed self-declaration form.
    Enum: "EMPLOYED", "UNEMPLOYED", "PUBLIC_SECTOR_EMPLOYEE", "PROFESSIONAL_SOLDIER", "FREELANCER", "HOUSEWORK", "APPRENTICE", "MANAGEMENT", "RETIRED", "STUDENT", "SELF_EMPLOYED", "MILITARY_OR_COMMUNITY_SERVICE"

  - `credit_record_id` (string,null)
    The unique ID of a credit record, generated after creating a consumer credit record.
    Example: "fbb7d15fa4c54ba0b077592665ef04a4ccrd"

## 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"

## Response 409 fields (application/json):

  - `title` (string)
    Example: "Record Not Unique"

  - `status` (string)
    Example: "409"

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

  - `detail` (string)
    Example: "Could not save `terms_and_conditions_event`."

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