Hi Tanya, The current recommendation is that the new loan contracts would have new ID’s. Even though there may not be any cash flows associated with the rollover, the terms of the loan contract will be different, as you pointed out, and should therefore ideally be identified with different unique ids. The consensus is that this would provide a very clear representation of the ‘current’ loan contracts to the collection of lenders and avoid any misrepresentation. The schema does not preclude anyone from using the same ID’s (in the scenario you describe) but this ‘uniqueness’ would have to be something we include in the associated business validation rules. Another outstanding point we have is to consider what happens during a margin re-pricing (should loan contracts be re-published? – at the moment we do not). Hope this helps, Bhavik Katira TenDelta
