---
title: "Preview repayment allocation"
method: POST
path: "/api/v1/loan-accounts/{id}/preview-repayment"
tags: ["Loan Accounts"]
---

# Preview repayment allocation

`POST /api/v1/loan-accounts/{id}/preview-repayment`

Returns a deterministic repayment allocation preview without recording a transaction. Not idempotency-gated. A malformed UUID yields 422 (schema error). A malformed amount string yields 422.

## Path parameters

- `id` string, uuid, required — Loan account identifier (UUID).

## Request body

- RepaymentRequestHumaBody
  - `amount` string, required — Repayment amount in major currency units (e.g. "125.00"). Must be positive with at most 2 fractional digits.
  - `effectiveDate` string — ISO-8601 or YYYY-MM-DD effective date.
  - `transactionDate` string — ISO-8601 or YYYY-MM-DD transaction date (fallback when effectiveDate is absent).

## Response `200`

OK

- RepaymentPreviewHumaBody
  - `allocations` RepaymentAllocationHumaBody[], nullable, required — Per-installment allocation breakdown.
    - `dueDate` string, required — ISO-8601 installment due date.
    - `feesAmount` string, required — Fees component (2 d.p. string).
    - `fullyPaid` boolean, required — True if this installment is fully settled.
    - `installmentNumber` integer, required — 1-based installment sequence number.
    - `interestAmount` string, required — Interest component (2 d.p. string).
    - `penaltiesAmount` string, required — Penalties component (2 d.p. string).
    - `principalAmount` string, required — Principal component (2 d.p. string).
    - `totalAmount` string, required — Total installment amount (2 d.p. string).
  - `appliedAmount` string, required — Amount applied to the loan (2 d.p. string).
  - `backdated` boolean, required — True if the repayment effective date is before the business date.
  - `effectiveDate` string, required — ISO-8601 effective date applied to this preview.
  - `loanAccountId` string, required — Loan account UUID.
  - `overpaymentAmount` string, required — Excess amount above total outstanding (2 d.p. string).

## Other responses

- `default` — Error

---

[API](https://skmtc.net/lerian/apis/identity-plugin.md) · [All operations](https://skmtc.net/lerian/apis/identity-plugin/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/lerian/identity-plugin/versions/25daba385532/schema)