@spec create_application(String.t(), map(), keyword()) ::
  {:ok, map()} | {:error, Solaris.Error.t()}

Creates a consumer loan application for a person.

Triggers credit scoring. Monitor CONSUMER_LOAN_APPLICATION webhook for status transitions.

Required fields

• :amount — loan amount in cents
• :currency — e.g. "EUR"
• :term_months — loan term in months
• :purpose — loan purpose code

Examples

{:ok, application} = Solaris.Lending.ConsumerLoans.create_application("cper_123", %{
  amount: 10_000_00,
  currency: "EUR",
  term_months: 36,
  purpose: "CONSUMER_GOODS"
})

@spec create_loan(String.t(), String.t(), map(), keyword()) ::
  {:ok, map()} | {:error, Solaris.Error.t()}

Creates the loan and initiates payout.

This is the final step — after the customer has reviewed the SECCI and signed the contract. Sets application status to loan_created.

Examples

{:ok, loan} = Solaris.Lending.ConsumerLoans.create_loan(
  "cper_123",
  "capp_456",
  %{offer_id: "coffer_789", signing_id: "csign_012"}
)

@spec get_anonymous_offer(
  map(),
  keyword()
) :: {:ok, map()} | {:error, Solaris.Error.t()}

Returns a non-binding loan offer based on self-declared financial info.

No person record required — useful for pre-qualification UX.

Examples

{:ok, offer} = Solaris.Lending.ConsumerLoans.get_anonymous_offer(%{
  amount: 5_000_00,
  currency: "EUR",
  term_months: 24,
  monthly_income_cents: 300_000,
  employment_status: "EMPLOYEE"
})

@spec get_application(String.t(), String.t(), keyword()) ::
  {:ok, map()} | {:error, Solaris.Error.t()}

Retrieves a consumer loan application.

@spec get_contract(String.t(), String.t(), String.t(), keyword()) ::
  {:ok, binary()} | {:error, Solaris.Error.t()}

Downloads the final loan contract PDF for e-signing.

Only available after SECCI has been presented.

@spec get_secci(String.t(), String.t(), String.t(), keyword()) ::
  {:ok, binary()} | {:error, Solaris.Error.t()}

Downloads the SECCI pre-contract PDF for a loan offer.

Required by EU Consumer Credit Directive — must be shown to the customer before they sign the loan contract.

Examples

{:ok, pdf_binary} = Solaris.Lending.ConsumerLoans.get_secci(
  "cper_123",
  "capp_456",
  "coffer_789"
)

File.write!("secci.pdf", pdf_binary)

@spec get_two_thirds_rates(keyword()) :: {:ok, map()} | {:error, Solaris.Error.t()}

Returns representative 2/3 interest rates per loan term (regulatory disclosure).

Examples

{:ok, rates} = Solaris.Lending.ConsumerLoans.get_two_thirds_rates()

@spec link_account_snapshot(String.t(), String.t(), String.t(), keyword()) ::
  {:ok, map()} | {:error, Solaris.Error.t()}

Links an account snapshot to the application for final credit scoring.

snapshot_id comes from Solaris.Lending.AccountSnapshots.

@spec skip_account_snapshot(String.t(), String.t(), keyword()) ::
  {:ok, map()} | {:error, Solaris.Error.t()}

Skips the account snapshot step in the application.

Use when the customer declines to share account data.

@spec subsidize_offer(String.t(), String.t(), String.t(), map(), keyword()) ::
  {:ok, map()} | {:error, Solaris.Error.t()}

Subsidizes a loan offer to reduce the interest rate.

Partners can subsidize offers to make them more attractive, taking on part of the interest cost.

@spec upload_purchase_contract(String.t(), String.t(), binary(), keyword()) ::
  {:ok, map()} | {:error, Solaris.Error.t()}

Uploads a purchase contract for a financed good (e.g. hire-purchase).