# Financing Aggregates financing products across banks — MIB promotional deals and BML loan details — in a single screen. --- ## Fragment — `FinancingFragment` Observes `HomeViewModel.financing` (MIB deals) and `HomeViewModel.bmlLoanDetails`. MIB deals carry no login tag, so the two sections are ordered as blocks: MIB first if the first MIB login ranks above the first BML login in the user's [login order](00-app-overview.md#login-order), otherwise BML first. BML loans within their section follow `HomeViewModel.accounts`, which is already in login order. --- ## MIB Deals Section Displays current MIB promotional financing offers fetched from the MIB API. Each deal card shows: - Deal name / product title - Key terms (profit rate, tenure, minimum/maximum amount) - A **Learn More** action that opens the deal detail in an in-app WebView or external browser Data is loaded once on fragment creation and refreshed on pull-to-refresh. --- ## BML Loans Section Displays the user's active BML loan/financing accounts. Each card shows: - Loan product name - Outstanding balance - Next instalment amount and due date - Loan account number Data comes from `HomeViewModel.bmlLoanDetails`, which is fetched from the BML loans API using the active BML session. --- ## Foreign Spend Limits (BML) `HomeViewModel.bmlLimits` (`List`) provides **foreign-currency spend limits** per BML card — these are MMA-imposed travel/online caps, not credit-card credit limits. Displayed alongside the loan section: - Card / profile name - ECOM remaining / cap (always visible) - General remaining / cap (always visible) - ATM, POS and Medical remaining / cap (expandable) - "Disabled" flags for ATM / POS where applicable --- ## Pull-to-Refresh Refreshes both MIB deals and BML loan/limit data independently. Each section shows its own loading indicator. --- ## Empty State If no MIB session is active or no BML financing accounts exist, the respective section shows an empty-state message with a prompt to add the corresponding bank account. ---   --- [← BML QR Pay](12-bml-qr-pay.md)     **Next →** [Settings](14-settings.md)