In order to process a real estate loan, numerous details are required from the customer. It is therefore becoming increasingly popular for customers to enter this information themselves and for a branch visit to be limited to advice on real estate financing. The Real Estate Financing Center guides end customers playfully through the entire financing process - in small steps. Thanks to a traffic light system, combined with a progress view that also includes the bank's actions, the customer knows at all times which data still needs to be entered.
The solution works according to the omni-channel principle: the customer can take out a real estate loan completely online and digitally. However, if they need advice or help at any stage, they can continue the process with a branch employee at any time. They use the same system, but with a view tailored to advice and expert functions.
Customer portal
The financing center can be accessed by the customer at any time as a customer portal. This ensures that data is not entered all at once, but whenever the customer has the necessary information available.
Dashboard
The customer accesses the center via a dashboard, which provides an overview of the activities they have already completed and the tasks that are pending.
Transparent progress
The customer is never left to their own devices. The transparent presentation of the status and the next step means that the customer always knows what the next step is for applying for financing. In addition, they are informed about the steps taken by the bank so that they always know how far along their application is in the processing.
Upload documents
As the customer has to provide a wide variety of documents in the course of real estate financing, it is possible to scan these via a dedicated app or upload them directly to the process. Documents such as salary statements, copies of identity documents, proof of own funds or liabilities as well as documents relating to the property or expert opinions can be provided in just a few clicks.
Adjustment of the calculation
The financing calculation already saved by the customer in Leadbooster can now be fine-tuned so that it exactly meets their requirements and the repayments are made according to their needs.
Signing the contract
Once the financing application has been approved by the bank, the customer has access to the contract in their customer portal, which they can check and sign digitally. Ideally, the real estate financing is concluded without any contact with a branch employee.
Branch selection and support from the branch
If the customer requires advice from a branch at any stage of the process, they can use geolocation to find the nearest branch, assign the process to a branch employee and make an appointment online. The branch employee then has access and can - in collaboration with the customer - complete the process.
Multi-device input
Data can be entered via all common devices or smart devices.
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, 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 charge entries, mortgages, life insurance assignments, etc., has been created and linked to the loan agreement.
