{
  "externalApplicationId": "acme-form-99881",
  "application": {
    "product": "car",
    "applicant": {
      "firstName": "Jane",
      "lastName": "Smith",
      "dateOfBirth": "1990-04-15",
      "email": "jane.smith@example.com",
      "phone": "0411223344",
      "address": "12 Smith Street, Richmond VIC 3121",
      "postalSameAsResidential": true,
      "maritalStatus": "MARRIED",
      "residentialStatus": "RENTING",
      "residencyStatus": "AU_CITIZEN",
      "dependents": 1,
      "yearsAtAddress": 4,
      "isExistingCustomer": false
    },
    "loan": {
      "amount": 25000,
      "deposit": 5000,
      "termYears": 5,
      "repaymentFrequency": "monthly"
    },
    "vehicle": {
      "found": true,
      "rego": "ABC123",
      "state": "NSW",
      "make": "Toyota",
      "model": "Camry",
      "year": "2022",
      "vin": "1HGBH41JXMN109186",
      "bodyType": "Sedan",
      "value": 25000,
      "isNew": false
    },
    "employment": {
      "type": "PAYG",
      "time": "FULL_TIME",
      "employer": "Acme Pty Ltd",
      "employerContactNumber": "03 9000 1234",
      "occupation": "Software Engineer",
      "startDate": "2019-03",
      "onProbation": false,
      "grossIncome": 110000,
      "incomePeriod": "ANNUALLY"
    },
    "expenses": {
      "rent": 1200,
      "utilities": 200,
      "telecommunications": 80,
      "insurance": 90,
      "groceries": 600,
      "diningOut": 150,
      "vehiclesTransport": 220,
      "subscriptionTv": 40,
      "entertainment": 100,
      "educationChildcare": 0
    },
    "assets": [
      { "type": "SAVINGS", "value": 15000 },
      { "type": "VEHICLE", "value": 12000 },
      { "type": "PROPERTY", "value": 650000, "purpose": "INVESTMENT", "propertyType": "APARTMENT_UNIT" }
    ],
    "liabilities": [
      { "type": "CREDIT_CARD", "lender": "ANZ", "balance": 2000, "monthlyRepayment": 100, "limit": 15000 }
    ],
    "consents": {
      "creditCheck": true,
      "privacyPolicy": true,
      "dataExchange": true,
      "creditGuide": true,
      "marketing": false
    }
  }
}