# 申领违约资产
{% hint style="info" %}
如果 BorrowerNote 的所有者在贷款到期前未全额支付本金和利息，则贷方有能力索取基础抵押品。在这种情况下，贷方将丧失收回任何部分本金和利息金额的能力。贷款申领流程必须由 LenderNote 的持有人发起。
对于单笔还款贷款，只有在贷款到期日过后调用且借款人尚未完全偿还贷款条款中约定的本金和利息金额时，才能进行此交易。
{% endhint %}
1. 贷方创建一个交易，通过给RepaymentController 提供 loanId 发起对保险库的索赔。
```sol
claim()
```
2\. RepaymentController 调用 LoanCore 来验证贷款是否处于违约状态。
```sol
verifyDefaultedLoan(), currentInstallmentPeriod()
```
3\. 然后，LoanCore 会销毁两个 PromissoryNotes（LenderNote 和 BorrowerNote）。
```sol
burnLoanNotes()
```
4\. 然后贷方转移贷款条款中规定的标的资产。
```
transferFrom()
```
---
# Agent Instructions: Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.
Perform an HTTP GET request on the current page URL with the `ask` query parameter:
```
GET https://leon2.gitbook.io/arcade.xyz-cn/smart-contracts/shen-ling-wei-yue-zi-chan.md?ask=
```
The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.
Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.
