Regulated lender hand-off

Compare actual terms—not teaser rates.

This layer is designed to receive lender-returned eligibility, KFS/APR and application status once regulated-lender integrations are connected.

Offer state

Current build: integration-ready interface

No lender is represented as connected unless a live contractual/API integration exists.

Required comparison fields

Lender identityRequired
Eligible / offered amountRequired
Tenure & repaymentRequired
APR + chargesRequired
KFSRequired
Penal chargesRequired

Application state machine

SubmittedConsent + lender submission receipt
Under reviewLender processing
Offer / KFS returnedBorrower comparison
Sanctioned / declinedLender decision + reason/status
DisbursedTransaction reference + servicing hand-off

Integration contract

Each lender adapter should normalize: product ID, eligibility response, amount, tenure, interest rate, APR, all charges, KFS URL/document reference, repayment schedule, collateral requirements, decision status, decline/review reason, sanction ID, disbursement status and timestamps. SehatLoans should store source + timestamp rather than silently converting estimates into “offers.”

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Treatment first · Check the amount you need and the collateral available