> ## Documentation Index > Fetch the complete documentation index at: https://docs.lerian.studio/llms.txt > Use this file to discover all available pages before exploring further. # Apply inherited loan product charge > Applies one product-version charge template to a loan account and bills it on the contract's next open instalment, which the response names. ## OpenAPI ````yaml /pt/openapi/v3-current/lender.yaml post /api/v1/loan-products/{id}/charges openapi: 3.1.0 info: contact: email: contact@lerian.studio name: Lerian Studio url: https://lerian.studio description: >- Code-first OpenAPI 3.1 surface for the Lender service. Routes that move money are at-most-once per X-Idempotency: when one answers 5xx, the X-Idempotency-Fenced response header says whether that key is now refusing resends (true) or free to retry (false or absent). license: name: Lerian Studio General License title: Lender API version: 1.0.0 servers: - url: https://lender.sandbox.lerian.net security: - BearerAuth: [] tags: - description: >- Caller session projection: validated subject and effective permissions for the presented token. name: Session - description: >- Ledger accounting operations: journal entries and accrual postings for loan accounts. Operations under /api/v1/internal are back-office operations for the client's operators: they require a person's login, and a service credential gets 403. name: Accounting - description: >- Loan application intake and lifecycle: submission, decisioning, and status. name: LoanApplications - description: >- Loan product catalog: definition, versioning, and activation of lending products. name: LoanProducts - description: >- Loan account servicing operations: balances, schedules, and account-level actions. name: Loan Accounts - description: >- Portfolio dashboard read operations: aggregated portfolio and performance views. name: Dashboard - description: >- Jurisdiction registry: supported jurisdiction profiles and their capabilities. name: Jurisdictions - description: >- Jurisdiction-specific loan application operations (Brazil origination surface). name: Loan Applications - description: >- Tax computation operations for jurisdiction-specific lending (e.g. Brazil IOF). name: Tax - description: >- Brazil consignado privado operations: contract lifecycle, exclusion repair, and compensating adjustments. Operations under /api/v1/internal are back-office operations for the client's operators: they require a person's login, and a service credential gets 403. name: Consignado - description: >- Inbound record quarantine. Operations under /api/v1/internal are back-office operations for the client's operators: they require a person's login, and a service credential gets 403. name: Streaming - description: >- Credit-instrument document template registry: versioned drafting and publication of CCB clausulado. name: DocumentTemplates paths: /api/v1/loan-products/{id}/charges: post: tags: - LoanProducts summary: Apply inherited loan product charge description: >- Applies one product-version charge template to a loan account and bills it on the contract's next open instalment, which the response names. operationId: createLoanProductCharges parameters: - description: Loan product identifier. in: path name: id required: true schema: description: Loan product identifier. examples: - 550e8400-e29b-41d4-a716-446655440000 format: uuid type: string - description: Canonical idempotency key for safe retries. in: header name: X-Idempotency required: true schema: description: Canonical idempotency key for safe retries. examples: - 550e8400-e29b-41d4-a716-446655440004 type: string requestBody: content: application/json: schema: $ref: '#/components/schemas/ApplyLoanChargeHumaInputBody' required: true responses: '201': content: application/json: schema: $ref: '#/components/schemas/LoanChargeHumaBody' description: Created headers: X-Idempotency-Replayed: description: >- "true" when this response replays a request already executed under the same X-Idempotency, so nothing ran a second time and no money moved again. Absent on a first execution. schema: type: string '400': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: >- The at-most-once contract refused the request before any handler ran: no X-Idempotency header (IDEMPOTENCY_KEY_REQUIRED), a key under a spelling this service does not read (IDEMPOTENCY_KEY_HEADER_UNKNOWN), or a request that could not be scoped to a tenant (IDEMPOTENCY_TENANT_REQUIRED). The code is in the problem document's `code` member. '401': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Unauthorized '403': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Forbidden '404': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Not Found '409': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Conflict '413': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Request Entity Too Large '422': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Unprocessable Entity '500': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Internal Server Error '503': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Service Unavailable '504': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Gateway Timeout default: content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: >- Any other status this operation may carry, rendered as a problem document — including a refusal produced ahead of the service, such as a gateway or ingress answering on its behalf. components: schemas: ApplyLoanChargeHumaInputBody: additionalProperties: false properties: accountCreatedAt: description: >- Loan account creation instant (RFC 3339). A bare calendar date is refused with LENDER-0103: this value is compared for exact equality against the stored account fact. examples: - '2026-06-14T12:00:00Z' type: string chargeEffectiveAt: description: >- RFC 3339 instant the charge was levied. A bare calendar date is refused with LENDER-0103: this value is the moment a fee was assessed and it also decides which charge template was in force. Omit it and Lender stamps the tenant's business now. examples: - '2026-06-14T12:00:00Z' type: string chargeTemplateId: description: Charge template identifier. type: string loanAccountId: description: Loan account identifier. examples: - 550e8400-e29b-41d4-a716-446655440005 format: uuid type: string productVersionId: description: Product version identifier. examples: - 550e8400-e29b-41d4-a716-446655440001 format: uuid type: string required: - loanAccountId - productVersionId - chargeTemplateId type: object LoanChargeHumaBody: additionalProperties: false properties: accountCreatedAt: description: Loan account creation timestamp (RFC3339, UTC). examples: - '2026-06-14T12:00:00Z' type: string amount: description: >- Charge amount as a decimal string in major currency units, fixed scale of 2 decimal places. examples: - '1234.56' type: string assessedAt: description: Timestamp the charge was assessed (RFC3339, UTC). examples: - '2026-06-14T12:00:00Z' type: string billedDueDate: description: >- ISO-8601 due date of the instalment the charge is billed on. Absent with billedInstallmentNumber. examples: - '2026-07-15' type: string billedInstallmentNumber: description: >- Instalment the charge is billed on: the first, in schedule order, due on a São Paulo civil day after the later of the charge's day and today, still owing something and promised to no automatic prepayment. Absent on a charge recorded before charges were billed. examples: - 3 format: int64 type: integer chargeCode: description: Charge code resolved from the template. examples: - LATE_FEE type: string chargeTemplateId: description: Charge template the fact was derived from. type: string chargeType: description: Charge type resolved from the template. type: string currency: description: ISO 4217 currency code of the amount. examples: - BRL type: string loanAccountId: description: Loan account the charge was applied to (uuid). examples: - 550e8400-e29b-41d4-a716-446655440005 type: string rate: description: Charge rate as a decimal string (fractional, e.g. "0.015" for 1.5%). examples: - '0.015' type: string regulatoryWarnings: description: Non-blocking regulatory warnings raised while assessing the charge. items: type: string type: - array - 'null' sourceProductVersionId: description: Product version whose template produced this charge (uuid). examples: - 550e8400-e29b-41d4-a716-446655440001 type: string required: - loanAccountId - sourceProductVersionId - chargeTemplateId - chargeCode - chargeType - amount - rate - currency - accountCreatedAt - assessedAt type: object Detail: additionalProperties: true properties: code: description: >- Stable, machine-readable domain error code scoped to the emitting service (format: -NNNN). type: string detail: description: >- A human-readable explanation specific to this occurrence of the problem. examples: - Property foo is required but is missing. type: string errors: description: Optional list of individual error details items: $ref: '#/components/schemas/ErrorDetail' type: - array - 'null' instance: description: >- A URI reference that identifies the specific occurrence of the problem. examples: - https://example.com/error-log/abc123 format: uri type: string status: description: HTTP status code examples: - 400 format: int64 type: integer title: description: >- A short, human-readable summary of the problem type. This value should not change between occurrences of the error. examples: - Bad Request type: string type: default: about:blank description: A URI reference to human-readable documentation for the error. examples: - https://example.com/errors/example format: uri type: string upstream: $ref: '#/components/schemas/Upstream' description: >- RFC 9457 extension member: the error a proxied third-party provider reported. Absent unless the emitting service explicitly surfaced one. type: object ErrorDetail: additionalProperties: false properties: location: description: >- Where the error occurred, e.g. 'body.items[3].tags' or 'path.thing-id' type: string message: description: Error message text type: string value: description: The value at the given location type: object Upstream: additionalProperties: false properties: code: description: The upstream provider's own error code, verbatim. examples: - E4001 type: string message: description: >- The upstream provider's own error message, verbatim (bounded, never its raw response body). examples: - account not found at provider type: string type: object securitySchemes: BearerAuth: bearerFormat: JWT description: JWT bearer token issued by the identity provider. scheme: bearer type: http ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.