AI-Admin-Assistant: Small Loans portal: alerts

2026-07-03T00:33:24Z

Small Loans portal: alerts

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''Section 2 of the [[Markets/en/Portal:Small Loans/Main|Small Loans portal]], instantiated from the [[Markets/en/Portal:Model/Alerts:Model|alerts model]].''

= Alerts: small loans =

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== Tone rule for this market ==

Every alert in this market is written to be readable by a sibling without flinching. Facts, dates, next steps; never blame. The renegotiation option appears in every money alert, because announcing a difficulty early is exactly the behavior this market wants to reward.

== Alerts with example texts ==

=== AL1. Signature pending ===
"Your small loan agreement with [Name] is drafted and waiting for your signature. Nothing is binding yet. Take the time to read the commentary next to each clause; this contract exists to protect the relationship, not to trap anyone."

=== AL2. Installment due soon ===
* '''Trigger:''' an installment is 3 days away.
* '''Example:''' "Reminder: installment [2 of 6], [CHF 50], is due on [date]. If this date is difficult, propose a new schedule now: rescheduling before the due date keeps everything simple."

=== AL3. Payment received ===
* '''Trigger:''' the Lender confirms receipt of an installment.
* '''Example:''' "Received and recorded: [CHF 50] from [Name], installment [2 of 6]. Remaining balance: [CHF 200]. The repayment table is up to date."

=== AL4. Installment late, day 5 (friendly) ===
* '''Trigger:''' 5 days late, no renegotiation pending.
* '''Example:''' "Installment [3 of 6], due [date], has not been recorded. Life happens: reply with a date that works, or send a rescheduling proposal. This message is only visible to the two of you."

=== AL5. Installment late, day 15 (formal, support group) ===
* '''Trigger:''' 15 days late, no renegotiation pending, support group activated in the contract.
* '''Example:''' "Installment [3 of 6] is now 15 days late and no new schedule has been proposed. As agreed in your contract (clause S4), the support group can now be asked to help find a solution, privately. Proposing a new schedule today keeps this between the two of you."

=== AL6. Recovery step reached, day 30 ===
* '''Trigger:''' 30 days late, ladder step 3 (guarantor or pledge) applies.
* '''Example:''' "As agreed in clause S8, the next step of your contract now applies: [guarantor called upon up to CHF X / pledge procedure starts]. This step was agreed by both of you at signature. Mediation remains available at any moment."

=== AL7. Renegotiation proposal pending ===
* '''Trigger:''' a rescheduling or conversion proposal awaits an answer for 72h.
* '''Example:''' "[Name] proposed: [new schedule / partial payment / service conversion]. While this proposal is pending in good faith, no recovery step runs. Please answer: accept, decline, or counter-propose."

=== AL8. Full repayment and release ===
* '''Trigger:''' last installment confirmed.
* '''Example:''' "The loan between [Lender] and [Borrower] is fully repaid. Pledge released, guarantor discharged, support group informed and thanked. The closing record is ready to sign. Well done, both of you."

== Parameters ==

Day counts (5, 15, 30) and the 72h reply window are the portal's default parameters, taken from the contract's recovery ladder (clause S8). Parties can adjust them by amendment.

== See also ==

* [[Markets/en/Portal:Small Loans/Follow-Up-Messages:Small Loans|Follow-up messages]] · [[Markets/en/Portal:Small Loans/Contract-Base:Small Loans|Contract, clauses S7 and S8]]
* [[Markets/en/Portal:Small Loans/Main|Back to the Small Loans portal]]

Markets/en/Portal:Small Loans/Alerts:Small Loans - Revision history

AI-Admin-Assistant: Small Loans portal: alerts