LIXI Credit Application for Australia (CAL 2.6.22) Standard

    LIXI Standards Release
    Credit Application for Australia
    CAL 2.6.22

Version Superseded

Please note that this version (CAL 2.6.22) was superseded on 31st October 2019 by version CAL 2.6.23.
The latest version of all LIXI Standards are always available here.


16th September 2019

Non-breaking update to the LIXI2 Credit Application for Australia Standard (CAL 2.6.21 released 5th August 2019), derived from LIXI Master Schema 2.2.22.


Downloads (Members & Licensees Only)

XML schema without annotations (LIXI-CAL-2_6_22.xsd)
XML schema with annotations (LIXI-CAL-2_6_22-Annotated.xsd)
JSON schema without annotations (LIXI-CAL-2_6_22_RFC.json)
JSON schema with annotations (LIXI-CAL-2_6_22_RFC-Annotated.json)


Documentation (Members & Licensees Only)

LIXI CAL 2.6.22 schema documentation


Overview

This release incorporates a substantial refresh of the Standard Living Expense Categories. This is the culmination of a process of industry consultation since November 2018 and results in 19 categories of living expenses and three for other commitments.


Change List

Living Expenses Categories (New Categories)
  • Create new category of Other Commitments for 'Child and Spousal Maintenance' to replace 'Child Maint... #1093
  • Create new category of Living Expenses for 'General Basic Insurances' #1084
  • Create new category of Living Expenses for Higher Education, Vocational Training and Professional Fe... #1082
  • Create new category of Living Expenses for Public or Government Primary and Secondary Education #1081
  • Create new category of Living Expenses for Sickness and personal accident insurance, life insurance #1076
  • Create new category of Living Expenses for Private Schooling and Tuition #1075
  • Create new category of Living Expenses for Pet Care #1055
  • Create new category of Living Expenses for Health insurance #1054
  • Separate the capture of expenses associated with occupying a primary residence, secondary residence,... #798
  • Body corporate fees, strata fees and land tax on owner-occupied principal place of residence require... #795
Living Expenses Categories (Changed Categories)
  • Update the definition of 'Other' expense category to give more guidance #1085
  • Update the definition of 'Recreation and entertainment' expense category to contain more detail #894
  • Update the definition of 'Medical and health' expense category to contain more detail #893
  • Update the definition of 'Groceries' expense category to contain more detail #892
  • Update the definition of 'Clothing and personal care' expense category to be more explicit about wha... #891
  • Update the definition of 'Childcare' expense category to include only non-compulsory pre-school. #890
  • Update the definition of 'Transport Category' in Living Expenses to allow broader comparison with HE... #808
Living Expenses Categories (Deprecated Categories)
  • Deprecate the 'Child Maintenance' Other Commitments category #1094
  • Deprecate the existing 'Education' Living Expense Category as it's been split. #1083
  • Deprecate the 'Owner occupied property utilities, rates and related costs' Living Expense category #1079
  • Deprecate the 'Insurance' Living Expense category. #1078
Enhancements
  • Make 'RentalIncome' element repeatable to capture Applicant Estimated Rental Income and AVM Rental I... #1089
  • 'Sequence Number' will be used to identify the order of repeatable elements (CAL) #1087
  • 'Sequence Number' will be used to identify the order of repeatable elements (CAL, DAS) #1086
  • 'Wilson and Copley' , 'Arch Finance' and 'Think Tank' will be added to Funder List #1077
  • Broker Verified Expenses and Reason for Declared Expenses Less than HEM #1072
  • 'Primary Borrower' for each loan #1071
  • 'Managed Investment' added as an enumeration Under otherIncomeTypeList #1069
  • 'Sequence Number' will be used to identify the order of repeatable elements (CAL,DAS,CNZ) #1067
  • 'Existing Customer' added to the overview to capture multiple customer reference numbers #1066
  • Person, Company and Trust applicant now have a flag that more specifically shows which entity is app... #1064

Statement of Proprietary Information
This standard is confidential to LIXI Limited and may not be disclosed, duplicated, or used, for any purpose, in whole or in part, without the prior consent of LIXI Limited. Both the XML Schema Definition files and associated documentation are licensed under the LIXI End User Licence Agreement (EULA) that can be found here: LIXI-End-User-Licence-Agreement. An introduction to this EULA is available here: Introduction to EULA 2013 10 V.2.pdf .

Updated: 16th September 2019