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Financing Request

The resource represents financing requests. Consumers can leave contact information and terms of financing. Financing requests are forwarded to random mortgage providers (based on a sophisticated algorithm).

POST /financing/construction/v2/contact/financingrequest

Supported media types:
XML
JSON

Request

XML:

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<ns3:financingRequest xmlns:ns2="http://rest.immobilienscout24.de/schema/financing/construction/2.0"
                        xmlns:ns3="http://rest.immobilienscout24.de/schema/financing/construction/1.0">
    <contactRequest>
        <financingTerms>
            <geoCode>1276003001046</geoCode>
            <amortizationRate>2.00</amortizationRate>
            <employment>EMPLOYED</employment>
            <fixedNominalInterestRate>FIFTEEN_YEARS</fixedNominalInterestRate>
            <financing xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:type="ns2:BuildingFinancing">
                <purchasePrice>250000.00</purchasePrice>
                <ownFunds>50000.00</ownFunds>
                <additionalCosts>0.00</additionalCosts>
                <financingStart>IN_BETWEEN_THREE_AND_SIX_MONTHS</financingStart>
                <projectState>LAND_PROPERTY_AND_COMPANY_EXIST</projectState>
            </financing>
        </financingTerms>
        <contactAddress>
            <street>Meine Musterstraße</street>
            <streetNumber>123a</streetNumber>
            <postalCode>13507</postalCode>
            <location>Berlin</location>
        </contactAddress>
        <exposeId>1231231231</exposeId>
        <objectId>BAH-12a</objectId>
        <useType>OWNER_OCCUPATION</useType>
        <salutation>MR</salutation>
        <surname>Mustermann</surname>
        <forename>Max</forename>
        <email>max.mustermann@is24-test.de</email>
        <phoneNumber>030278687686</phoneNumber>
        <message>Guten Tag</message>
        <contactChannel>TELEPHONE</contactChannel>
        <availability>SIXTEEN_TO_NINETEEN</availability>
        <dateOfBirth>1990-10-01</dateOfBirth>
        <bank>Parkbank</bank>
        <numberOfBorrowers>2</numberOfBorrowers>
        <currentCredits>20000</currentCredits>
        <kfwPromotion>true</kfwPromotion>
        <financingUseType>OWNER_OCCUPATION</financingUseType>
        <partnerTracking></partnerTracking>
        <netIncome>40000</netIncome>
        <netIncomeRange>OVER_3000_UPTO_3500</netIncomeRange>
        <primaryAppointmentDate>1599691539417</primaryAppointmentDate>
        <secondaryAppointmentDate>1599691539417</secondaryAppointmentDate>
        <primaryAppointmentTime>ALL_DAY</primaryAppointmentTime>
        <secondaryAppointmentTime>TWENTY_UNTIL_TWENTYONE</secondaryAppointmentTime>
        <dpaAccepted>true</dpaAccepted>
        <arvatoScoringPermitted>true</arvatoScoringPermitted>
        <borrowerRelationship>MARRIED</borrowerRelationship>
        <nationality>German</nationality>
        <workContractType>LIMITED</workContractType>
        <workContractEndDate>1599691539417</workContractEndDate>
        <numberOfChildren>2</numberOfChildren>
        <maritalStatus>MARRIED</maritalStatus>
        <secondBorrower>
            <firstName>John</firstName>
            <lastName>Doe</lastName>
            <dateOfBirth>1987-06-03</dateOfBirth>
            <nationality>German</nationality>
            <employment>FREELANCER</employment>
            <workContractType>PERMANENT</workContractType>
            <workContractEndDate>1599691539417</workContractEndDate>
            <maritalStatus>MARRIED</maritalStatus>
            <income>
                <salary>100000</salary>
                <numberOfSalaries>1</numberOfSalaries>
                <alimony>30000</alimony>
                <pension>10000</pension>
                <rental>20000</rental>
                <childBenefits>200</childBenefits>
                <other>400</other>
            </income>
            <spending>
                <livingCost>600</livingCost>
                <rent>600</rent>
                <buildingSaving>300000</buildingSaving>
                <saving>400000</saving>
                <alimony>10000</alimony>
                <healthInsurance>500</healthInsurance>
                <pensionInsurance>100</pensionInsurance>
                <creditRate>0</creditRate>
                <numberOfVehicles>1</numberOfVehicles>
                <other>100</other>
            </spending>
        </secondBorrower>
        <financingObject>
            <street>Andreasstr</street>
            <streetNumber>10</streetNumber>
            <postalCode>10243</postalCode>
            <city>Berlin</city>
            <type>HOUSE_BUY</type>
            <subType>TERRACE_HOUSE</subType>
            <livingArea>100</livingArea>
            <siteArea>130</siteArea>
            <constructionYear>1985</constructionYear>
            <rooms>3</rooms>
            <hasLift>true</hasLift>
            <hasParking>false</hasParking>
            <hasStorage>false</hasStorage>
            <hasOutdoorArea>true</hasOutdoorArea>
            <lastModified>1599691539417</lastModified>
        </financingObject>
        <income>
            <salary>100000</salary>
            <numberOfSalaries>1</numberOfSalaries>
            <alimony>30000</alimony>
            <pension>10000</pension>
            <rental>20000</rental>
            <childBenefits>200</childBenefits>
            <other>400</other>
        </income>
        <spending>
            <livingCost>600</livingCost>
            <rent>600</rent>
            <buildingSaving>300000</buildingSaving>
            <saving>400000</saving>
            <alimony>10000</alimony>
            <healthInsurance>500</healthInsurance>
            <pensionInsurance>100</pensionInsurance>
            <creditRate>0</creditRate>
            <numberOfVehicles>1</numberOfVehicles>
            <other>100</other>
        </spending>
        <title>PROFESSOR_DOCTOR</title>
        <segmentClass>A</segmentClass>
    </contactRequest>
</ns3:financingRequest>

JSON:

{
    "contactRequest": {
        "financingTerms": {
            "amortizationRate":2.00,
                        "geoCode" : "1276003001046",
            "employment":"EMPLOYED",
            "fixedNominalInterestRate":"FIFTEEN_YEARS",
            "financing":{
                "type":"BuildingFinancing",
                "purchasePrice":250000.00,
                "ownFunds":50000.00,
                "additionalCosts":0.00,
                "financingStart":"IN_BETWEEN_THREE_AND_SIX_MONTHS",
                "projectState":"LAND_PROPERTY_AND_COMPANY_EXIST"
            }
        },
                "useType": "OWNER_OCCUPATION",
        "salutation":"MR",
        "surname":"Mustermann",
        "forename":"Max",
        "email":"max.mustermann@is24-test.de",
        "phoneNumber":"030278687686",
        "message":"Guten Tag",
        "contactChannel":"TELEPHONE",
        "availability":"SIXTEEN_TO_NINETEEN",
                "contactAddress": {
                      "street": "Meine Musterstraße",
                      "streetNumber": "123a",
                      "postalCode": "13507",
                      "location": "Berlin"
                 },
                "exposeId": "123sad23",
                "objectId":"BAH-12a",
                "netIncome": 3500,
        "dateOfBirth":"2010-10-01",
        "bank": "Parkbank",
        "numberOfBorrowers": 2,
        "currentCredits": 20000,
        "kfwPromotion": true,
        "financingUseType": "OWNER_OCCUPATION",
    "partnerTracking": ,
    "netIncome": 40000,
    "netIncomeRange": "OVER_3000_UPTO_3500",
    "primaryAppointmentDate": 1599691539417,
    "secondaryAppointmentDate": 1599691539417,
    "primaryAppointmentTime": "ALL_DAY",
    "secondaryAppointmentTime": "TWENTY_UNTIL_TWENTYONE",
    "dpaAccepted": true,
    "arvatoScoringPermitted": true,
    "borrowerRelationship": "MARRIED",
    "nationality": "German",
    "workContractType": "LIMITED",
    "workContractEndDate": 1599691539417,
    "numberOfChildren": 2,
    "maritalStatus": "MARRIED",
    "secondBorrower": {
        "firstName": "John",
        "lastName": "Doe",
        "dateOfBirth": "1987-06-03",
        "nationality": "German",
        "employment": "FREELANCER",
        "workContractType": "PERMANENT",
        "workContractEndDate": 1599691539417,
        "maritalStatus": "MARRIED",
        "income": {
            "salary": 100000,
            "numberOfSalaries": 1,
            "alimony": 30000,
            "pension": 10000,
            "rental": 20000,
            "childBenefits": 200,
            "other": 400
        },
        "spending": {
            "livingCost": 600,
            "rent": 600,
            "buildingSaving": 300000,
            "saving": 400000,
            "alimony": 10000,
            "healthInsurance": 500,
            "pensionInsurance": 100,
            "creditRate": 0,
            "numberOfVehicles": 1,
            "other": 100
        }
    },
    "financingObject": {
        "street": "Andreasstr",
        "streetNumber": "10",
        "postalCode": "10243",
        "city": "Berlin",
        "type": "HOUSE_BUY",
        "subType": "TERRACE_HOUSE",
        "livingArea": 100,
        "siteArea": 130,
        "constructionYear": 1985,
        "rooms": 3,
        "hasLift": true,
        "hasParking": false,
        "hasStorage": false,
        "hasOutdoorArea": true,
        "lastModified": "1599691539417"
    },
    "income": {
         "salary": 100000,
         "numberOfSalaries": 1,
         "alimony": 30000,
         "pension": 10000,
         "rental": 20000,
         "childBenefits": 200,
         "other": 400
     },
     "spending": {
         "livingCost": 600,
         "rent": 600,
         "buildingSaving": 300000,
         "saving": 400000,
         "alimony": 10000,
         "healthInsurance": 500,
         "pensionInsurance": 100,
         "creditRate": 0,
         "numberOfVehicles": 1,
         "other": 100
     },
    "title": "PROFESSOR_DOCTOR",
    "segmentClass": "A"
    }
}

Body parameters

PARAMETER DESCRIPTION MANDATORY
contactRequest.financingTerms .geoCode Geo code of the search region(e.g. 1276003001046= Berlin-Mitte). When geo code is provider no postal code is needed yes
contactRequest.financingTerms .postalCode Postal code of the search region. When postal code is provider no geo code is needed yes
contactRequest.financingTerms .amortizationRate Tilgung p.a. in % yes
contactRequest.financingTerms .employment CIVIL_SERVANT, EMPLOYED, FREELANCER, PENSIONER, SELFEMPLOYED, UNEMPLOYED, WORKER, HOUSEWIFE
German translation (same order as above): Beamter, Angestellt, Freiberufler, Rentner, Selbstständig, Arbeitssuchend, Arbeiter/in, Hausfrau/mann
yes
contactRequest.financingTerms .fixedNominalInterestRate FIVE_YEARS, TEN_YEARS, FIFTEEN_YEARS, TWENTY_YEARS yes
contactRequest.financingTerms .financing This object covers the details of the financing no
contactRequest.financingTerms .financing.type BuildingFinancing (Finanzierung eines Neubaus), PurchaseFinancing (Finanzierung eines Kaufs), FollowupFinancing (Anschlussfinanzierung) for further information on FinancingType. yes
contactrequest.useType OWNER_OCCUPATION, PARTIALLY_RENTING, RENTING, UNKNOWN yes
contactRequest.salutation MR, MRS, UNKNOWN no
contactRequest.surname Second name of the requester yes
contactRequest.forename First name of the requester yes
contactRequest.email Email address of the requester yes
contactRequest.phoneNumber Phonenumber of the requester yes
contactRequest.message Message of the requester no
contactRequest.contactChannel TELEPHONE yes
contactRequest.availability ALL_DAY, EIGHT_TO_TWELVE, TWELVE_TO_SIXTEEN, SIXTEEN_TO_NINETEEN no
contactRequest.netIncome BELOW_500, OVER_500_UPTO_1000, OVER_1000_UPTO_1500, OVER_1500_UPTO_2000, OVER_2000_UPTO_2500, OVER_2500_UPTO_3000, OVER_2000_UPTO_3000, OVER_3000_UPTO_3500, OVER_3500_UPTO_4000, OVER_3000_UPTO_4000 no
contactRequest.bank the main bank of the requester no
contactRequest.dateOfBirth the date of birth of the requester no
contactRequest.numberOf Borrowers number of borrowers exists no
contactRequest.currentCredits sum of running credits of the requester no
contactRequest.subscribeTo NewsLetter Subscribe to financing construction newsletters no
contactRequest.kfwPromotion requester is interested in KfW consulting no
**Address of the requester:**
contactRequest.contactAddress .street Street of the requester no
contactRequest.contactAddress .streetNumber Street number of the requester no
contactRequest.contactAddress .postalCode PostalCode of the requester no
contactRequest.contactAddress .location Location of the requester no
**Expose Related fields:**
contactRequest.exposeId If contact request is related to an expose no
contactRequest.objectId If contact request is related to an expose; it is the field realEstate.externalId returned by the ExposeAPI no
financingUseType OWNER_OCCUPATION, PARTIALLY_RENTING, RENTING, UNKNOWN no
partnerTracking If the contact request comes from a partner, this field should contain the id of the contact request on the partner's side no
netIncome Net income of the requester no
netIncomeRange BELOW_500, OVER_500_UPTO_1000, OVER_1000_UPTO_1500, OVER_1500_UPTO_2000, OVER_2000_UPTO_3000, OVER_2000_UPTO_2500, OVER_2500_UPTO_3000, OVER_3000_UPTO_4000, OVER_3000_UPTO_3500, OVER_3500_UPTO_4000, OVER_4000_UPTO_5000, OVER_5000 no
primaryAppointmentDate First available date of the requester no
secondaryAppointmentDate Second available date of the requester no
primaryAppointmentTime ALL_DAY, EIGHT_TO_TWELVE, TWELVE_TO_SIXTEEN, SIXTEEN_TO_NINETEEN, UNKNOWN, TEN_UNTIL_ELEVEN, ELEVEN_UNTIL_TWELVE, TWELVE_UNTIL_THIRTEEN, THIRTEEN_UNTIL_FOURTEEN, FOURTEEN_UNTIL_FIFTEEN, FIFTEEN_UNTIL_SIXTEEN, SIXTEEN_UNTIL_SEVENTEEN, SEVENTEEN_UNTIL_EIGHTEEN, EIGHTEEN_UNTIL_NINETEEN, NINETEEN_UNTIL_TWENTY, TWENTY_UNTIL_TWENTYONE no
secondaryAppointmentTime ALL_DAY, EIGHT_TO_TWELVE, TWELVE_TO_SIXTEEN, SIXTEEN_TO_NINETEEN, UNKNOWN, TEN_UNTIL_ELEVEN, ELEVEN_UNTIL_TWELVE, TWELVE_UNTIL_THIRTEEN, THIRTEEN_UNTIL_FOURTEEN, FOURTEEN_UNTIL_FIFTEEN, FIFTEEN_UNTIL_SIXTEEN, SIXTEEN_UNTIL_SEVENTEEN, SEVENTEEN_UNTIL_EIGHTEEN, EIGHTEEN_UNTIL_NINETEEN, NINETEEN_UNTIL_TWENTY, TWENTY_UNTIL_TWENTYONE no
dpaAccepted Accepted the Data Processing Agreement no
arvatoScoringPermitted Aggree with sending data to Arvato to generate score no
borrowerRelationship MARRIED, LIVING_TOGETHER, OTHER no
nationality Nationality of the requester no
workContractType LIMITED, PERMANENT, PROBATION no
workContractEndDate When the requester's work contract ends no
numberOfChildren Number of children the requester has no
maritalStatus SINGLE, MARRIED, SEPARATED, DIVORCED, WIDOWED, PARTNERSHIP no
title NO_TITLE, DOCTOR, PROFESSOR, PROFESSOR_DOCTOR no
segmentClass Class that evaluates the quality of the request no
**Income Related fields:**
income.salary Salary of the requester no
income.numberOfSalaries Number of salaries per year no
income.alimony An allowance for support made under court order to a divorced person by the former spouse no
income.pension Pension or retirement payments received by the requester no
income.rental Income from renting and/or leasing no
income.childBenefits Child benefits received by the requester no
income.other Amount of income coming from other sources no
**Spending Related fields:**
spending.livingCost Fixed cost of living of the requester no
spending.rent Cost of rent of the requester no
spending.buildingSaving Monthly building saving contributions no
spending.saving Other regular monthly savings benefits no
spending.alimony An allowance for support made under court order to a divorced person by the former spouse no
spending.healthInsurance Health insurance costs of the requester no
spending.pensionInsurance Monthly amounts for a private life insurance and/or pension insurance no
spending.creditRate Monthly rate for loans no
spending.numberOfVehicles Number of vehicles owned by the requester no
spending.other Other fixed expenses of the requester no
**Second Borrower Related fields:**
secondBorrower.firstName First name of the second requester yes
secondBorrower.lastName Last name of the second requester yes
secondBorrower.dateOfBirth Date of birth of the second requester yes
secondBorrower.nationality Nationality of the second requester yes
secondBorrower.employment CIVIL_SERVANT, EMPLOYED, FREELANCER, PENSIONER, SELFEMPLOYED, UNEMPLOYED, WORKER, HOUSEWIFE yes
secondBorrower.workContractType LIMITED, PERMANENT, PROBATION no
secondBorrower.workContractEndDate When the second requester's work contract ends no
secondBorrower.maritalStatus SINGLE, MARRIED, SEPARATED, DIVORCED, WIDOWED, PARTNERSHIP yes
**Second Borrower Income Related fields:**
secondBorrower.income.salary Salary of the second requester no
secondBorrower.income.numberOfSalaries Number of salaries per year no
secondBorrower.income.alimony An allowance for support made under court order to a divorced person by the former spouse no
secondBorrower.income.pension Pension or retirement payments received by the second requester no
secondBorrower.income.rental Income from renting and/or leasing no
secondBorrower.income.childBenefits Child benefits received by the second requester no
secondBorrower.income.other Amount of income coming from other sources no
**Second Borrower Spending Related fields:**
secondBorrower.spending.livingCost Fixed cost of living of the second requester no
secondBorrower.spending.rent Cost of rent of the second requester no
secondBorrower.spending.buildingSaving Monthly building saving contributions no
secondBorrower.spending.saving Other regular monthly savings benefits no
secondBorrower.spending.alimony An allowance for support made under court order to a divorced person by the former spouse no
secondBorrower.spending.healthInsurance Health insurance costs of the second requester no
secondBorrower.spending.pensionInsurance Monthly amounts for a private life insurance and/or pension insurance no
secondBorrower.spending.creditRate Monthly rate for loans no
secondBorrower.spending.numberOfVehicles Number of vehicles owned by the second requester no
secondBorrower.spending.other Other fixed expenses of the second requester no
**Financing Object Related fields:**
financingObject.street Street of the financing objet yes
financingObject.streetNumber Street number of the financing object yes
financingObject.postalCode Postal code of the financing object yes
financingObject.city City of the financing object yes
financingObject.type APARTMENT_BUY, HOUSE_BUY, LIVING_BUY_SITE yes
financingObject.subType SINGLE_FAMILY_HOUSE, SEMIDETACHED_HOUSE, TERRACE_HOUSE, MULTI_FAMILY_HOUSE, HALF_BASEMENT, GROUND_FLOOR, APARTMENT, ROOF_STOREY, MAISONETTE, LOFT no
financingObject.livingArea Living area of financing object no
financingObject.siteArea Site area of financing object no
financingObject.constructionYear Construction year of financing object no
financingObject.rooms Number of rooms in financing object no
financingObject.hasLift Whether the financing object has a lift no
financingObject.hasParking Whether the financing object has parking places no
financingObject.hasStorage Whether the financing object has storage no
financingObject.hasOutdoorArea Whether the financing object has an outdoor area no
financingObject.lastModified Last time the financing object was modified no

Financing types

financing.type = BuildingFinancing:

PARAMETER VALUE MANDATORY
contactrequest.financingTerms .financing.purchasePrice purchase price of the object yes
contactrequest.financingTerms .financing.ownFunds equity capital yes
contactrequest.financingTerms .financing.additionalCosts side costs yes
contactrequest.financingTerms .financing.financingStart NA, IN_LESS_THAN_THREE_MONTH, IN_BETWEEN_THREE_AND_SIX_ MONTHS, IN_MORE_THAN_SIX_MONTH yes
contactrequest.financingTerms .financing.projectState NA, NOT_YET_IN_PLANNING, LAND_PROPERTY_EXISTS, LAND_PROPERTY_AND_COMPANY_ EXIST, PROPERTY_FOUND, NOTARY_APPOINTMENT_PLANNED, ON_BUILDER_SEARCH yes

financing.type = PurchaseFinancing:

PARAMETER VALUE MANDATORY
contactrequest.financingTerms .financing.purchasePrice purchase prise of the object yes
contactrequest.financingTerms .financing.ownFunds equity capital yes
contactrequest.financingTerms .financing.additionalCosts side costs yes
contactrequest.financingTerms .financing.financingStart NA, IN_LESS_THAN_THREE_MONTH, IN_BETWEEN_THREE_AND_SIX_ MONTHS, IN_MORE_THAN_SIX_MONTH yes
contactrequest.financingTerms .financing.projectState NA, NOT_YET_IN_PLANNING, LAND_PROPERTY_EXISTS, LAND_PROPERTY_AND_COMPANY_ EXIST, PROPERTY_FOUND, NOTARY_APPOINTMENT_PLANNED, ON_OBJECT_SEARCH yes

financing.type=FollowupFinancing:

PARAMETER VALUE MANDATORY
contactrequest.financingTerms .financing.propertyValue property value yes
contactrequest.financingTerms .financing.remainingDebt remaining debts yes
contactrequest.financingTerms .financing.financingStart NA, IN_LESS_THAN_ONE_YEAR, IN_ONE_YEAR, IN_TWO_YEARS, IN_THREE_YEARS, IN_FOUR_YEARS, IN_FIVE_YEARS yes

Validation

The resource returns a list of validation errors as shown below. Each message has messageCode and a message field. If the error is connected to a certain field in the request the message object has two additional fields: parameterName and reason.

  • parameterName: the path to field e.g. contactRequest.postalCode
  • reason: why is this field wrong
{
  "message": [{
    "messageCode": "ERROR_COMMON_SCHEMA_VALIDATION_FAILED",
    "message": "The request is not schema valid. [Invalid parameter: parameterName=contactAddress.postalCode reason=The request is not schema valid. [postal code does not exists]]",
    "parameterName": "contactAddress.postalCode",
    "reason": "Invalid parameter: parameterName=contactAddress.postalCode reason=The request is not schema valid. [postal code does not exists]"
  }]
}

Basic validation All required fields described above are validated if they exist. Besides that all fields in the request body must have the correct type (date, string, number).

Enum validation The following fields are matched to enum values. If the value can not be matched, a validation error is thrown with one of the follwing parameterNames:

  • contactRequest.contactChannel
  • contactRequest.salutation
  • contactRequest.useType
  • contactRequest.availability
  • contactRequest.financingTerms.employment
  • contactRequest.financingTerms.fixedNominalInterestRate
  • contactRequest.financingTerms.financing.projectState
  • contactRequest.financingTerms.financing.type
  • contactRequest.financingTerms.financing.financingStart
  • contactRequest.financingUseType
  • contactRequest.netIncomeRange
  • contactRequest.primaryAppointmentTime
  • contactRequest.secondaryAppointmentTime
  • contactRequest.borrowerRelationship
  • contactRequest.workContractType
  • contactRequest.title
  • contactRequest.secondBorrower.employment
  • contactRequest.secondBorrower.workContractType
  • contactRequest.secondBorrower.maritalStatus
  • contactRequest.financingObject.type
  • contactRequest.financingObject.subType

Location Validation In the financingTerms object you need to provide either a valid geoCode or postalCode:

  • If geoCode is not 13 digits long or if it does not exist: parameterName=contactRequest.financingTerms.geoCode
  • If postalCode is no existing German postal code: parameterName=contactRequest.financingTerms.postalCode
  • If both are missing: parameterName=location

Blacklisting We do some blacklist checks for most of the String fields. If a blacklist error occurs it is stated in the reason field of the message object. (e.g. " ... [SURNAME is blacklisted]"). The parameterNaem contains the path of the field, as described above.

Address Validation If you provide an address, it is validated the following way:

  • all fields are required
  • the postalCode must be an existing German postalCode

Phonenumber parameterName=contactRequest.phoneNumber

The phone number must be a digit. Besides that we use some advanced phonenumber parsing. But if the phone number really exists, you should not worry.


How to avoid the 15 min timeout

When the API user does not use the arvato/exteneded flow, there is a maximum 15 minute waiting time, until the requests get picked up by a task and are processed. This however can be avoided. When the POST request is made, the API returns an ID and a Token. These can be used to make a second request.

PUT /financing/construction/v2/contact/${ID}?token=${TOKEN}

with the body

{
  "scoringPermitted": false
}

This will make the financing request be processed immediately.