diff --git a/documentation/properties/deferred_fees.md b/documentation/properties/deferred_fees.md
new file mode 100644
index 00000000..1986e66d
--- /dev/null
+++ b/documentation/properties/deferred_fees.md
@@ -0,0 +1,11 @@
+---
+layout:		property
+title:		" deferred fees"
+schemas:	[loan]
+---
+
+#  deferred fees
+
+---
+
+**deferred fees** represent the present value of future spread income subject to prepayment risk
diff --git a/v1-dev/loan.json b/v1-dev/loan.json
index e87cf693..a6250a1e 100644
--- a/v1-dev/loan.json
+++ b/v1-dev/loan.json
@@ -165,6 +165,10 @@
       "description": "Identifier used for linking this product as part of a larger deal. e.g. Two components of a single loan or matching a securitisation with it's underlying loan.",
       "type": "string"
     },
+    "deferred_fees": {
+      "description": "Deferred fees are treated as other assets and get 250% Risk Weight on BCAR.",
+      "type": "number"
+    },
     "el_irb": {
       "description": "The best estimate of expected loss when in default.",
       "type": "number"