The loan management process concludes with the entry of mortgage recording data and perfection of guarantees.

checks are performed and the findings of the Credit Bureau are verified after assessing the credit policy. Finally the definitive credit report is completed and the definitive application is forwarded to the assessor for review.

The notification and disbursement phase includes the technical appraisal request, after which the appraisal is checked and any anomalies are reported to the assessor (including, for example non-capacity and status of the property). The letter of engagement is then forwarded to the notary public, the notarial report is checked, the stipulation is drawn up and an irrevocable credit is deposited in the relevant current account.

Mortgage Middle Office service

This new service launched by Cedacri is designed for the management of mortgage applications made to the client bank. It encompasses the four fundamental phases of the loan process, namely the initial contact phase, pre-qualification and completion of the electronic application form, notification and disbursement and finally the post-disbursement phase, when the relevant data is entered into the collateral management system. The initial contact phase involves the checking of documentation, the collation of customer data, the request for initial information from the Credit Bureau, and the optical acquisition and indexing of documents.
During the pre-qualification and electronic application process, document consistency