The objective of the system is to track the digital products used during the course of consumer mortgage loans, to store the data collected during the loan application process, and to enable search ability, as well as to provide this data to other linked systems or partner institutions.

The products included in the system:

• Market rate loans;

• Market rate personal loans;

• Mortgage-backed interest subsidy loans;

• Loans with additional interest subsidy;

• Providing loans for support;

• Debt-consolidation loans.
   

The process of the system:

The system fully covers the process of consumer mortgage loans from the client application through the data recording, and to the provision of the loan.The steps in the process are as follows:

• Recording data;
• MCP scoring evaluation;
• Real estate value appraisal;
• Verification;
• Submission for approval and approval;
• Contract preparation;
• Loan provision.
   

The general requirements of the system:

• The use of a standardized workflow tool– a workflow framework developed by an international manufacturer;

• A document management system– suitable document management can greatly increase the speed of the work carried out by administrators:

  • Documents from templates;

  • Documents storage in a central database;

  • Filling in conditional text in templates;

  • Handling recurring data,

  • Making finished documents available in MS Word format.

• Infrastructure that meets relevant standards;

• The simple provision of parameters and easy amendments to products and the front end – the possibility of creating a new product without development;

• Providing for continued development and links – A fundamental requirement in the case of the Moris system was that it should be able to be developed in the future, even with other suppliers.
   

For more information, please write to info@pontsystems.hu or call +36 1 206-2545.