UTKAST/Draft
Forutsetningsbrev
Available in Etinglysing 51.69.0 (May 2024).
History
Etinglysing has for a long time had the webservice generatePrerequisite that generate a prerequisite letter to the broker. This first version (generatePrerequisite) had several free text input field for the bank’s conditions/requirements. Since then, DSVE has defined a second version of this letter that has a set of standardized texts requirements so that it will be easier for the broker to understand and interpret. This new webservice, generateForutsetningsbrev, will generate a document to the broker according to the news specification. The term Forutsetningsbrev has been agreed upon, som the new webservice is named using this common name instead of prerequisite V2.
About the Forutsetningsbrev
Forutsetningsbrev (en: prerequisite letter) is a document sent from the bank to the real estate broker with terms and conditions for the mortgage document (pantedokument). It is the broker’s responsibility to make sure that the conditions can be met before sending it to registration (tinglysing). It can specify:
The bank's required priority for the Pantedokument.
Payment details.
The broker’s name and organization number.
Bank’s contact information.
Work flow
When generateForutsetningsbrev is invoked, the document ID from the generatePantedokumentcall is required, hence the Pantedokument must be generated before the Forutsetningsbrev.
Rules for when you can generate forutsetningsbrev for a pantedokument
Forutsetningsbrev only makes sense when pantedokument will be sent to a broker (the pantedokument has document flow DOKUMENT_TIL_OPPGJOER.
Format of the generated Forutsetningsbrev
Ambita will generate a forutsetningsbrev formatted according to the DSVE standard (version 2). For more information about the standardization process and format, including an XSLT for presentation, can be found on the official DSVE github account: https://github.com/bitsnorge.
This version is pretty much the same as version one (generatePrerequisite) but the free text fields and return information is removed. Some XML elements are renamed slightly to improve the Norwegian spelling.
Example generateForutsetningsbrev first priority:
The most common scenario is where the bank requires their pantedokument to have the first priority (after the property is sold) in the Land registry. In this case the only details about priority needed is foersteprioritet set to true, as in the XML below.
<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" xmlns:dok="http://dokument.ws7.etinglysing.no/">
<soapenv:Header/>
<soapenv:Body>
<dok:generateForutsetningsbrev>
<pantedokumentId>15763270</pantedokumentId>
<forutsetningsbrev>
<pantedokumentdetaljer>
<foersteprioritet>true</foersteprioritet>
</pantedokumentdetaljer>
<overfoerseldetaljer>
<beloep valuta="NOK" verdi="1000"/>
<beloepOverfoeresDato>2024-05-17T07:01:24.066+01:00</beloepOverfoeresDato>
<totalBeloep>1000</totalBeloep>
<tilKontonummer>11115588888</tilKontonummer>
<kid>1234567890</kid>
<kreditorSaksnummer>Bank's reference </kreditorSaksnummer>
<meglerSaksnummer>Brokers assignment number or reference</meglerSaksnummer>
<beloepGjelder>Description if no KID</beloepGjelder>
<produsertDato>2024-05-01T07:01:24.066+01:00</produsertDato>
</overfoerseldetaljer>
<avsender>
<navn>Bank's case handler</navn>
<epost>ola@bank.no</epost>
<telefonDirekte>98765432</telefonDirekte>
<telefon>55225522</telefon>
</avsender>
<megler>
<navn>PRIVATMEGLEREN AS</navn>
<organinsasjonsnummer>986386661</organinsasjonsnummer>
</megler>
</forutsetningsbrev>
</dok:generateForutsetningsbrev>
</soapenv:Body>
</soapenv:Envelope>
How to fill out priority when foersteprioritet is false
When the pantedokument should yield for or have a similar priority as another, foersteprioritet is set to false and this element has the value true: <forstePrioritet>true</forstePrioritet>, then you do not fill out <prioritet>.
But when the value is false: <forstePrioritet>false</forstePrioritet>, you have to fill out priority.
Here is an example of how the priority can be filled out. The element <rekkefolge> needs to have one of two possible values PRIORITET_ETTER or PRIORITET_LIKESTILT_MED. The element <prioritetsBeskrivelse> is a freetext field, here you describe the priority in a textual manner.
<forstePrioritet>false</forstePrioritet>
<prioritet>
<prioritetsAngivelser>
<PrioritetsAngivelser>
<rekkefolge>PRIORITET_ETTER</rekkefolge>
<panthaver>
<offisiellId>987412548</offisiellId>
<navn>Husbanken</navn>
</panthaver>
<beloep valuta="NOK" verdi="1000000"/>
<prioritetsBeskrivelse>Some text describing the priority</prioritetsBeskrivelse>
</PrioritetsAngivelser>
<PrioritetsAngivelser>
<rekkefolge>PRIORITET_LIKESTILT_MED</rekkefolge>
<panthaver>
<offisiellId>921345687</offisiellId>
<navn>Sparebanken Vest</navn>
</panthaver>
<beloep valuta="NOK" verdi="2000000"/>
<prioritetsBeskrivelse>Some text describing the priority</prioritetsBeskrivelse>
</PrioritetsAngivelser>
</prioritetsAngivelser>
</prioritet>
Example: minimum prerequisite if first priority
<dok:generatePrerequisite>
<pantedokumentId>15882704</pantedokumentId>
<prerequisite>
<pantedokumentDetaljer>
<forstePrioritet>true</forstePrioritet>
</pantedokumentDetaljer>
<overfoerselDetaljer>
<beloep valuta="NOK" verdi="100"/>
<beloepOverfortDato>2024-01-31</beloepOverfortDato>
<totalBeloep>100</totalBeloep>
<tilKontoNummer>34561212345</tilKontoNummer>
<produsertDato>2024-01-23T10:15:23.2962746+01:00</produsertDato>
</overfoerselDetaljer>
<returneresTil>
</returneresTil>
<avsender>
</avsender>
<mottaker>
<navn>PRIVATMEGLEREN AS</navn>
<organinsasjonsnummer>986386661</organinsasjonsnummer>
</mottaker>
</prerequisite>
</dok:generatePrerequisite>
Example generatePrerequisite response
For ease of use, the generated Prerequisite document (XML) is returned in the generatePrerequisiteResponse.
<soap:Envelope xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
<soap:Body>
<ns2:generatePrerequisiteResponse xmlns:ns2="http://dokument.ws7.etinglysing.no/">
<return>
<id>1</id>
<documentHolder>
<content>BASE64_ENCODED</content>
<format>XML</format>
<type>PREREQUISITE</type>
</documentHolder>
<documentHolder>
<content>BASE64_ENCODED</content>
<format>XSLT</format>
<type>PREREQUISITE</type>
</documentHolder>
</return>
</ns2:generatePrerequisiteResponse>
</soap:Body>
</soap:Envelope>