Batch User Guide produced by CRIF - Janata Bank

Link of type Guarantor between Individual “2” and contract “1” (non instalment)
6 SPECIAL CASES AND EXCEPTIONS
By the time you reach this section, you should have a clear understanding of the Batch process in
general. There are, however, a series of “exceptions” and “special circumstances”. This
paragraph aims at describing the correct way to contribute such special cases via batch.
6.1 Changes to Subjects linked to a Contract
If during the life of a Contract, the set of Subjects related to such contract changes, the following
actions can be taknen:
If the Borrower on a specific Contract changes: you must contact CIB directly at the contacts
provided in section 2.1 with proof of the new Borrower.
If a Co-Borrower on a specific Contract needs to be removed: you must contact CIB directly at
the contacts provided in section 2.1 with proof of the existing Co-Borrowers on the account.
If a Guarantor on a specific Contract needs to be removed: you must contact CIB directly at the
contacts provided in section 2.1 with proof of the existing Guarantors on the account.
If a Co-borrower on a specific Contract must be changed to Guarantor or vice versa: you must
contact CIB directly at the contacts provided in section 2.1 with proof of the existing Co-
Borrowers and or Guarantors on the account.
Only in the case of ADDITION of a Co-Borrower or of a Guarantor, you can simply send the new
Subject with the specific role on a specific Contract and it will be added to the list of related
Subjects to that Contract automatically.
6.2 Renounced/Refused credit applications
Information relating to a credit line must be reported to CIB for its entire duration. Therefore, if
the credit line is not granted or is abandoned by the borrower, this must be reported to the
System. This will be done only once together with the regular contribution for the month in which
it was Renounced by the Client or Refused by the FI. (See Paragraph 4.4).
6.3 SPECIAL CASES FOR INSTALMENT CONTRACTS
6.3.1 Contract with split and/or postponed drawdown
In the case where the capital borrowed with an instalment credit is not drawn down at the
moment in which the credit line is granted but afterwards, the credit line must be reported as
Living with the date of the first capital drawdown and not before (for example not with the date
that the credit line was granted).
The borrowed capital which must be reported is that which is actually drawn down even if it is
different from the amount reported in the contract signed by the customer. In the case where
the drawdown is split, the amount reported in the monthly contribution is that which has been
drawn down up to that reference month, i.e. the sum of the individual amounts already drawn
down.
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