> ## Documentation Index > Fetch the complete documentation index at: https://docs.synci.io/llms.txt > Use this file to discover all available pages before exploring further. # Update loan terms > Everything on the `loan` object except the rate, which has its own endpoint. Changing the fee or the day count applies to payments from now on. Setting a paying account turns schedule mode off. ## OpenAPI ````yaml /openapi/v1.json put /finance/accounts/{accountId}/loan openapi: 3.2.0 info: title: Synci version: '1.0' description: >- Synci is a platform for integrating financial accounts with your favorite apps. servers: - url: https://api.synci.io/api/v1 security: - oauth2: [] - http: [] tags: - name: Finance kind: nav - name: Connections parent: Finance - name: Accounts parent: Finance - name: Transactions parent: Finance - name: Institutions parent: Finance - name: Destinations kind: nav - name: YNAB parent: Destinations - name: Lunch Money parent: Destinations - name: Google Sheets parent: Destinations - name: SimpleFIN parent: Destinations - name: Notion parent: Destinations - name: Account kind: nav - name: Webhooks parent: Account - name: User parent: Account - name: rule-engine summary: Rules kind: nav - name: Rules parent: rule-engine - name: Rule Logs parent: rule-engine - name: Transfers kind: nav - name: Transfer Links parent: Transfers - name: Transfer Logs parent: Transfers paths: /finance/accounts/{accountId}/loan: put: tags: - Loans summary: Update loan terms description: >- Everything on the `loan` object except the rate, which has its own endpoint. Changing the fee or the day count applies to payments from now on. Setting a paying account turns schedule mode off. operationId: financial.accounts.loan.update parameters: - name: accountId in: path required: true description: The financial account ID schema: type: integer requestBody: content: application/json: schema: $ref: '#/components/schemas/UpdateLoanTermsRequest' responses: '200': description: '' content: application/json: schema: type: object properties: message: type: string const: Loan terms updated. data: $ref: '#/components/schemas/LoanTermsResource' required: - message - data '401': $ref: '#/components/responses/AuthenticationException' '403': $ref: '#/components/responses/AuthorizationException' '404': $ref: '#/components/responses/ModelNotFoundException' '422': $ref: '#/components/responses/ValidationException' components: schemas: UpdateLoanTermsRequest: type: object properties: kind: $ref: '#/components/schemas/LoanKindEnum' repayment_type: $ref: '#/components/schemas/LoanRepaymentTypeEnum' fee_per_payment: type: number description: Applies to payments from now on. minimum: 0 day_count: $ref: '#/components/schemas/LoanDayCountEnum' description: Applies to accruals from now on. original_amount: type: - number - 'null' minimum: 0 start_date: type: - string - 'null' format: date-time term_months: type: - integer - 'null' minimum: 1 maximum: 600 paying_financial_account_id: type: - integer - 'null' description: >- A bank account of the loan's owner that pays the loan; null switches to schedule mode (set `schedule`). schedule: type: - object - 'null' description: >- Schedule mode; null turns it off (set `paying_financial_account_id`). properties: amount: type: number day_of_month: type: integer minimum: 1 maximum: 31 title: UpdateLoanTermsRequest LoanTermsResource: type: object properties: kind: type: - string - 'null' description: >- MORTGAGE, STUDENT, AUTO, PERSONAL or OTHER. Drives the default account type in destinations. repayment_type: type: - string - 'null' description: >- ANNUITY, SERIAL or INTEREST_ONLY. Only the months-remaining estimate depends on it. fee_per_payment: type: number description: Fixed fee posted with every regular payment. day_count: type: - string - 'null' description: ACT_365, ACT_360 or THIRTY_360. current_rate: type: - number - 'null' description: The annual rate in force today, in percent. rate_periods: type: string description: Every rate period, oldest first. anchor_balance: type: number description: >- The balance the user last verified (negative: money owed) and the date it was true. Every balance is derived from it. anchor_date: type: - string - 'null' balance_verified_at: type: string paying_financial_account_id: type: - string - 'null' description: >- The bank account whose matched payments drive the loan, or null in schedule mode. Also null for an app the user did not share that account with. schedule: type: - object - 'null' description: >- Schedule mode: a fixed amount posted on a day of month when no bank account pays the loan. properties: amount: type: number day_of_month: type: string required: - amount - day_of_month last_regular_payment_amount: type: - number - 'null' description: The amount of the last payment Synci took as the regular one. expected_payment_day: type: string description: >- The day of month payments are expected on, from the last regular payment or the schedule. payment_change: type: - object - 'null' description: >- A payment whose amount changed on cycle, awaiting the user's answer to "has the rate changed?". Null when nothing is pending. properties: booking_date: type: - string - 'null' description: The date of the payment that changed. previous_amount: type: number amount: type: number description: The new amount. detected_at: type: string required: - booking_date - previous_amount - amount - detected_at next_payment_date: type: - string - 'null' description: >- When the next payment is expected: the next schedule day, or a month after the last regular payment. Null before either is known. months_remaining_estimate: type: - integer - 'null' description: >- Rough months until paid off from the current balance, rate and regular payment; null when unknown. original_amount: type: - number - 'null' start_date: type: - string - 'null' term_months: type: string last_accrual_date: type: - string - 'null' required: - kind - repayment_type - fee_per_payment - day_count - current_rate - rate_periods - anchor_balance - anchor_date - balance_verified_at - paying_financial_account_id - schedule - last_regular_payment_amount - expected_payment_day - payment_change - next_payment_date - months_remaining_estimate - original_amount - start_date - term_months - last_accrual_date title: LoanTermsResource LoanKindEnum: type: string description: > What kind of debt a manual loan account is. Drives the default account type when the loan is created in a destination. enum: - MORTGAGE - STUDENT - AUTO - PERSONAL - OTHER title: LoanKindEnum LoanRepaymentTypeEnum: type: string description: > How the loan is paid down. Only the months-remaining estimate depends on it; the interest, fee and payment split never does. enum: - ANNUITY - SERIAL - INTEREST_ONLY title: LoanRepaymentTypeEnum LoanDayCountEnum: type: string description: > How days between two dates are counted when accruing interest, and the denominator that goes with them. enum: - ACT_365 - ACT_360 - THIRTY_360 title: LoanDayCountEnum responses: AuthenticationException: description: Unauthenticated content: application/json: schema: type: object properties: message: type: string description: Error overview. required: - message AuthorizationException: description: Authorization error content: application/json: schema: type: object properties: message: type: string description: Error overview. required: - message ModelNotFoundException: description: Not found content: application/json: schema: type: object properties: message: type: string description: Error overview. required: - message ValidationException: description: Validation error content: application/json: schema: type: object properties: message: type: string description: Errors overview. errors: type: object description: A detailed description of each field that failed validation. additionalProperties: type: array items: type: string required: - message - errors securitySchemes: oauth2: type: oauth2 flows: authorizationCode: authorizationUrl: https://api.synci.io/oauth/authorize tokenUrl: https://api.synci.io/oauth/token scopes: profile:read: View your name, email, and profile details accounts:read: View your connected financial accounts and balances accounts:write: >- Update, sync, and remove your financial accounts, and change their settings transactions:read: View your transactions transactions:write: Create, update, and delete your transactions sensitive:read: >- See sensitive identifiers like account numbers and account holder names transfer-links:read: View your transfer links and their transfer history transfer-links:write: Create, update, and delete transfer links, and undo transfers rules:read: View your rules and rule activity rules:write: Create, update, and delete rules, and undo rule actions webhooks:read: View your webhook endpoints webhooks:write: >- Create, update, and delete webhook endpoints, and rotate their secrets destinations:read: View your connected destinations destinations:write: Connect, update, and remove destinations financial-connections:read: View your connected institutions financial-connections:write: Manage your connected institutions http: type: http description: Bearer token (personal access token or OAuth access token) scheme: bearer ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.