How To Fix /PM0/ALP_TMF_MSG132 - FS-CML: Policy loan is not covered; Minimum payoff amount &1

SAP Error Message - Details

• Message type: E = Error

• Message class: /PM0/ALP_TMF_MSG -

• Message number: 132

• Message text: FS-CML: Policy loan is not covered; Minimum payoff amount &1

Self-Explanatory Message

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Smart SAP Assistant

• What is the cause and solution for SAP error message /PM0/ALP_TMF_MSG132 - FS-CML: Policy loan is not covered; Minimum payoff amount &1 ?

  The SAP error message /PM0/ALP_TMF_MSG132 FS-CML: Policy loan is not covered; Minimum payoff amount &1 typically occurs in the context of SAP's Financial Services (FS) module, specifically within the Contract Management (CML) area. This error indicates that a policy loan is not covered due to the minimum payoff amount not being met.
  Cause:
  
  Insufficient Coverage: The policy loan amount requested exceeds the coverage limit defined in the policy.
  Minimum Payoff Amount: The minimum payoff amount required to cover the loan is not met. This could be due to the current balance of the policy or the terms set in the policy agreement.
  Policy Terms: The terms of the policy may specify certain conditions under which loans can be taken, and if those conditions are not met, the loan cannot be processed.
  Configuration Issues: There may be configuration issues in the system that do not align with the business rules for policy loans.
  
  Solution:
  
  Review Policy Terms: Check the terms of the policy to ensure that the loan amount requested is within the allowable limits and that the minimum payoff amount is satisfied.
  Adjust Loan Amount: If the requested loan amount exceeds the coverage, consider adjusting the loan amount to meet the minimum payoff requirement.
  Check Policy Status: Ensure that the policy is active and in good standing. If there are any issues with the policy, resolve them before proceeding with the loan.
  Consult Configuration: If the issue persists, consult with your SAP configuration team to review the settings related to policy loans in the system. Ensure that the configuration aligns with the business rules and requirements.
  Documentation: Refer to the SAP documentation or help files related to FS-CML for more detailed information on policy loans and the specific error message.
  
  Related Information:
  
  SAP Notes: Check for any relevant SAP Notes that may address this specific error or provide additional guidance.
  Transaction Codes: Familiarize yourself with relevant transaction codes in SAP that pertain to policy management and loan processing.
  User Roles: Ensure that the user attempting to process the loan has the necessary permissions and roles assigned in SAP to perform this action.
  
  If the problem continues after following these steps, it may be beneficial to reach out to SAP support or your internal IT team for further assistance.