---
title: "Apply inherited loan product charge"
method: POST
path: "/api/v1/loan-products/{id}/charges"
tags: ["LoanProducts"]
---

# Apply inherited loan product charge

`POST /api/v1/loan-products/{id}/charges`

Applies one product-version charge template to a loan account and persists an immutable charge fact.

## Path parameters

- `id` string, uuid, required — Loan product identifier.

## Headers

- `X-Idempotency` string, required — Canonical idempotency key for safe retries.

## Request body

- ApplyLoanChargeHumaInputBody
  - `accountCreatedAt` string — Loan account creation timestamp (RFC3339 or YYYY-MM-DD).
  - `chargeEffectiveAt` string, required — Charge effective timestamp (RFC3339 or YYYY-MM-DD).
  - `chargeTemplateId` string, required — Charge template identifier.
  - `loanAccountId` string, uuid, required — Loan account identifier.
  - `productVersionId` string, uuid, required — Product version identifier.

## Response `201`

Created

- LoanChargeHumaBody
  - `accountCreatedAt` string, required — Loan account creation timestamp (RFC3339, UTC).
  - `amount` string, required — Charge amount as a decimal string in major currency units, fixed scale of 2 decimal places.
  - `assessedAt` string, required — Timestamp the charge was assessed (RFC3339, UTC).
  - `chargeCode` string, required — Charge code resolved from the template.
  - `chargeTemplateId` string, required — Charge template the fact was derived from.
  - `chargeType` string, required — Charge type resolved from the template.
  - `currency` string, required — ISO 4217 currency code of the amount.
  - `loanAccountId` string, required — Loan account the charge was applied to (uuid).
  - `rate` string, required — Charge rate as a decimal string (fractional, e.g. "0.015" for 1.5%).
  - `regulatoryWarnings` string[], nullable — Non-blocking regulatory warnings raised while assessing the charge.
  - `sourceProductVersionId` string, required — Product version whose template produced this charge (uuid).

## 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)