# Create a consumer credit line application

Creates a consumer credit line application and assigns it to the person with the  included in the request URL. The payload of this endpoint includes all the required financial information and account data about the applicant, which the credit scorer uses to initiate a series of credit checks. See the Consumer Splitpay guide for the list of mandatory properties. 

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

## Path parameters:

  - `person_id` (string, required)
    The person ID of the customer applying for the credit line.

## Request fields (application/json):

  - `requested_credit_limit` (object,null)
    The requested credit line amount.
    Example: {"currency":"EUR","unit":"cents","value":1000}

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

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

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

  - `repayment_day_of_month` (integer,null)
    The day of the month when the customer repays the monthly installment.
    Enum: 1, 15

  - `recipient_iban` (string,null)
    The IBAN of the customer's account to use for the account snapshot.
    Example: "DE92370601930002130041"

  - `private_insurance_amount` (object,null)
    The amount of the private insurance the customer pays monthly.
    Example: {"currency":"EUR","unit":"cents","value":1000}

  - `pre_selected_by_partner` (boolean,null)
    Field to indicate whether the customer is already pre-selected based on your internal scoring flow.

  - `partner_score` (string,null)
    Field to enter your internal scoring of the customer.

  - `partner_reference_number` (string,null)
    Field to enter your internal reference number for the customer.
    Example: "AGHD02130041"

  - `number_of_dependents` (integer,null)
    The number of persons depending on the customer's income, e.g., family members.
    Example: 2

  - `net_income_amount` (object,null)
    The customer's monthly net income after deducting taxes.
    Example: {"currency":"EUR","unit":"cents","value":1000}

  - `moved_in_last_two_years` (boolean,null)
    Field to indicate whether the customer has moved and changed addresses in the last two years.

  - `marriage_status` (string,null)
    The customer's marital status.
    Enum: "MARRIED", "UNMARRIED", "DIVORCED", "UNKNOWN"

  - `living_situation_amount` (object,null)
    The amount of the customer's living expenses, e.g., rent, mortgage, etc.
    Example: {"currency":"EUR","unit":"cents","value":1000}

  - `living_situation` (string,null)
    The customer's living situation.
    Enum: "LIVING_WITH_PARENTS", "LIVING_IN_RENTED_HOUSE", "LIVING_IN_OWN_HOUSE"

  - `identification_id` (string,null)
    The unique ID of a customer's identification resource.
    Example: "9dfe2f4edaa67138be0c0c1cd3a7d849cidt"

  - `existing_credit_repayment_excluding_mortgage` (object,null)
    The amount of existing credit repayment the customer pays, excluding mortgage.
    Example: {"currency":"EUR","unit":"cents","value":1000}

  - `employment_since` (string,null)
    The date when the customer began their current employment.
    Example: "2019-11-01"

  - `credit_record_id` (string,null)
    The unique ID of a customer's credit record.
    Example: "fbb7d15fa4c54ba0b077592665ef04a4ccrd"

## Response 201 fields (application/json):

  - `id` (string, required)
    The unique ID of a consumer credit line application.
    Example: "35eee37033c5436f9cbff6df1f88e097ccla"

  - `decision` (string,null, required)
    Solaris' decision on the credit line application.
    Enum: "REJECTED", "OFFERED"

  - `status` (string, required)
    The status of a consumer credit line application.
    Enum: "initial_scoring_pending", "account_snapshot_pending", "account_snapshot_verification_pending", "identification_pending", "offered", "esign_pending", "esign_complete", "esign_failed", "credit_line_creation_pending", "credit_line_created", "expired", "deleted", "rejected", "scoring_pending"

  - `person_id` (string, required)
    The person ID of the customer applying for the credit line.
    Example: "dc1a6812a14f6cc338cd084208535bcdcper"

  - `status_description` (string,null)
    Additional details about the credit line application status.

  - `signing_id` (string,null)
    The ID of the signing resource, created after the customer's identification and e-signing process has been triggered.
    Example: "7c63600ddddec4f2668893af39c1b814csig"

  - `scoring_workflow` (object,null)
    An object containing certain actions required for the scoring process.

  - `scoring_workflow.required_actions` (array)
    Actions you must complete for the scoring process.

  - `scoring_workflow.required_actions.required` (string,null)

  - `recipient_iban` (string,null)
    The IBAN of the customer's account to use for the account snapshot.
    Example: "DE92370601930002130041"

  - `reason` (string,null)
    The reason(s) for rejecting a credit line application.

  - `partner_reference_number` (string,null)
    The partner reference number.
    Example: "ABHP244919"

  - `offered_limit` (object,null)
    The offered credit line limit.
    Example: {"currency":"EUR","unit":"cents","value":1000}

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

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

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

  - `offered_interest_rate` (number,null)
    The offered interest rate to apply to the credit line.
    Example: 2.5

  - `net_disposable_income` (object,null)
    The net disposable income available to the customer after deducting all taxes.
    Example: {"currency":"EUR","unit":"cents","value":1000}

  - `marriage_status` (string,null)
    The customer's marital status.
    Enum: "MARRIED", "UNMARRIED", "DIVORCED", "UNKNOWN"

  - `identification_id` (string,null)
    The unique ID of a customer's identification resource.
    Example: "9e2e85c62230a652325964282c84559fcidt"

  - `employment_status` (string,null)
    The customer's employment status.
    Enum: "EMPLOYED", "UNEMPLOYED", "PUBLIC_SECTOR_EMPLOYEE", "PROFESSIONAL_SOLDIER", "FREELANCER", "HOUSEWORK", "APPRENTICE", "MANAGEMENT", "RETIRED", "STUDENT", "SELF_EMPLOYED", "MILITARY_OR_COMMUNITY_SERVICE"

  - `credit_line_id` (string,null)
    The unique ID of a credit line, generated after a credit line is created.
    Example: "1908331fb8384edcbfe63067366c4b6accln"

## Response 400 fields (application/json):

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

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

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

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

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

## Response 403 fields (application/json):

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

  - `detail` (string)
    Example: "Unauthorized action is not allowed."

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

  - `status` (string)
    Example: "403"

  - `title` (string)
    Example: "Unauthorized Action"

## Response 404 fields (application/json):

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

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

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

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

  - `title` (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"

## Response 422 fields (application/json):

  - `errors` (array, required)

  - `errors.id` (string, required)
    A UUID, preferably the request ID

  - `errors.status` (integer, required)
    The HTTP status

  - `errors.code` (string, required)
    some_computer_friendly_string

  - `errors.title` (string, required)
    Some short human friendly string

  - `errors.detail` (string, required)
    Some human friendly-ish detail: field is required

  - `errors.backtrace` (array,null)
    Optional array of backtrace lines

  - `errors.source` (object,null)
    Optional computer-friendly error source description
    Example: {"field":"name","message":"is_required"}

  - `errors.source.field` (string, required)
    Example: "name"

  - `errors.source.message` (string, required)
    Example: "is_required"