> ## Documentation Index
> Fetch the complete documentation index at: https://docs.easycred.co.in/llms.txt
> Use this file to discover all available pages before exploring further.

# Lender Offers & Actions

> Review credit offers returned by lenders and take actions to move the loan journey forward.

## Overview

When a loan application reaches `OFFERS_RECEIVED` status, the lender has returned one or more credit offers for the customer. You review these offers with the customer and select the one they want to proceed with.

***

## Viewing Offers

Click **View** on any lead in `OFFERS_RECEIVED` status to open the offer selection screen.

Each offer card displays:

<CardGroup cols={2}>
  <Card title="Lender Details" icon="building-2">
    Lender identity (e.g., Bajaj Finserv, Karnataka Bank) and their credit product name.
  </Card>

  <Card title="Principal & EMI" icon="calculator">
    Approved loan principal amount and projected monthly EMI.
  </Card>

  <Card title="Interest & APR" icon="percent">
    Annual interest rate and Annual Percentage Rate (APR) including all fees.
  </Card>

  <Card title="Net Disbursal" icon="indian-rupee">
    Actual amount disbursed after deducting processing fees and insurance (if any).
  </Card>
</CardGroup>

***

## Selecting an Offer

<Steps>
  <Step title="Review Offers with the Customer">
    Present the available lender offers to the customer. Compare EMIs, interest rates, and net disbursed amounts.
  </Step>

  <Step title="Click Select This Offer">
    Once the customer has chosen, click **Select This Offer** on the preferred card. The lead status moves to `OFFER_SELECTED`.
  </Step>

  <Step title="KYC & Verification Begins">
    After offer selection, the platform loads the KYC and redirection workflow. The customer will be guided through identity verification, eNACH mandate, and eSign.
  </Step>
</Steps>

<Warning>
  Offer selection is **final** — once a lender offer is selected, it cannot be changed. Ensure the customer is certain before clicking **Select This Offer**.
</Warning>

***

## Offer Comparison Tips

<AccordionGroup>
  <Accordion title="Lower EMI vs. Lower Total Cost" icon="scale">
    A lower EMI often means a longer tenure and higher total interest paid. Help the customer understand the trade-off between monthly affordability and total cost of the loan.
  </Accordion>

  <Accordion title="Check the APR, Not Just the Interest Rate" icon="percent">
    The APR includes processing fees, insurance premiums, and other charges — it is the true cost of the loan. Always compare APR across offers, not just the headline interest rate.
  </Accordion>

  <Accordion title="Net Disbursal Amount" icon="indian-rupee">
    The net disbursed amount is what the customer actually receives in their bank account. If processing fees are high, the net disbursal may be significantly less than the approved principal.
  </Accordion>
</AccordionGroup>

***

## After Sanctioning

Once the loan journey completes and the status moves to `SANCTIONED`, the application detail screen shows:

| Field                | Description                                              |
| -------------------- | -------------------------------------------------------- |
| **Disbursed Amount** | Final amount credited to the customer's account          |
| **Disbursal Date**   | Date the funds were transferred                          |
| **UTR Reference**    | Unique Transaction Reference code from the bank transfer |

<Info>
  The UTR reference is the definitive proof of disbursal. Share this with the customer if they need to verify the credit with their bank.
</Info>