Construction and real estate loans are characterized by a large number of loan variants and additional products. Only an end-to-end digital solution creates the necessary transparency to be able to compare and manage products and variants quickly and transparently across all sales channels.
Construction and real estate financing supports all common loan variants and additional products and offers extensive functionalities for managing real estate financing, from the preparation of offers, application entry, loan decisions and processing to contract activation and management. Tailor-made processes for calculating, applying for, deciding on and processing real estate financing are provided for different users. With the additional functionalities for contract management and accounting, the entire process chain can be mapped digitally from creation to the agreed end of the contract.
Freely selectable conditions
Selection of financing conditions such as fixed interest rate period, repayment rate, annual unscheduled repayments or commitment interest;
Combination of several financing arrangements
Combination of several financing arrangements for a property with different fixed-interest periods or integration of subsidy programs;
Data collection and plausibility checks
Collection of the required data budget for the property, product and applicant with corresponding plausibility checks;
Query of credit agencies
Automated query of information, scoring or rating systems;
Credit decisions
Generation of automatic or manual credit decisions;
Personal support in the digital purchasing process
Despite the digital purchasing process, your customer is not alone. If necessary, you can help them, no matter what questions or uncertainties they have.
Upload portal as an efficiency lever
The required documents can be uploaded intuitively and efficiently using drag & drop via an integrated web upload or via the Digitizer app, which is available for iOS and Android. There are no spatial or media breaks.
Legally valid electronic signature
The customer can use the solution to sign documents electronically. Several methods are available. From Video-Ident to Bank-Ident or Auto-Ident. This allows you to reach all customers and achieve a high conversion rate.
Transparent document portal
The document portal is transparent for all parties involved, as they can view the documents at any time.
The entire life cycle of real estate financing, from offer preparation to contract termination, is mapped in an end-to-end digital system.
The solution supports all desired sales channels and end devices in the store, in the field and at the point of sale (PoS), as well as direct business with consumers.
Private and commercial real estate financing can be offered with flexible financial and additional products for specific types of business.
Credit decisions are made exclusively in accordance with the criteria and rules defined by the financial services provider. This ensures compliance with standardized and centralized lending guidelines and regulatory requirements.
Upon activation and during the term of the contract, the system checks whether all collateral required in accordance with the established rules and regulations, such as vehicle title deeds, land charges, mortgages and life insurance assignments, has been created and linked to the loan agreement.
