Real Estate Financing

Construction and real estate loans are characterised by a large number of loan variants and add-on products. Only an end-to-end digital solution provides the necessary transparency in order to be able to compare and manage products and variants quickly and transparently across all sales channels. The Real Estate Financing module group of afb Credit Management Solution (afb-CMS) supports all current credit variants as well as add-on products and offers comprehensive functionalities for the management of real estate financing; from the preparation of tenders and applications, making and processing of credit decisions through to contract activation and management. Different system users are provided with tailor-made processes for the calculation, application, decision-making and processing of real estate financing. With the additional functionalities for contract management and accounting, it is possible to create a full digital representation of the entire process chain, from the contract’s formulation to its agreed termination.

Features Real Estate Financing

  • Support of the major credit options, such as annuity loans, forward loans, variable loans, cap loans, full repayment loans, subsidised loans/funding, housing loans and loans without equity capital, as well as additional products such as payment protection insurance
  • Selection of financing conditions such as fixed-interest period, repayment rate, annual premature repayments, commitment interest
  • Combination of several financing options for a given asset, with different fixed interest periods or integration of funding programs
  • Capturing the required data warehouse for asset, product and applicant with corresponding validation
  • Automated request of information, scoring or rating systems
  • Generating automatic or manual credit decisions
  • Workflow-supporting documents and check of conditions
  • Control of loan disbursement and contract management

Advantages at a glance

  • End-to-end system: the entire life cycle of Real Estate Financing – from the proposal to termination of contract – is designed as a fully integrated, digital system.
  • All distribution channels: the solution supports all desired distribution channels and terminals in the branch, in the field and at the point of sale (POS) as well as direct business with consumers.
  • Flexible financial products: private and commercial real estate financing can be offered with flexible financial and add-on products for specific business types.

 

  • Individual risk strategy: credit decisions are exclusively based on the criteria and rules defined by the financial services provider. This ensures compliance with standardised and centralised financing policies and regulatory requirements.
  • Interaction with collateral management: when activating the contract, and during its term, afb-CMS checks whether all the collateral required under the established rules, such as registration documents, mortgages and mortgage entries, cessions of life insurance policies etc., has been provided and is linked to the loan agreement.

 

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