final BigDecimal maxOutstandingBalance = getMaxOutstandingLoanBalance();
final List<DisbursementData> disbursementData = getDisbursmentData();
final List<LoanTermVariationsData> loanVariationTermsData = new ArrayList<LoanTermVariationsData>();
LoanTermVariationsData data = new LoanTermVariationsData(null,
LoanEnumerations.loanvariationType(LoanTermVariationType.EMI_AMOUNT), expectedDisbursementDate, emiAmount);
loanVariationTermsData.add(data);
return LoanApplicationTerms.assembleFrom(applicationCurrency, loanTermFrequency, loanTermPeriodFrequencyType,
expectedDisbursementDate, repaymentsStartingFromDate, calculatedRepaymentsStartingFromDate, inArrearsToleranceMoney,