Nowadays, it is becoming increasingly important for banks and financial service providers to place their offers online and completely digitally. Before an end customer enquires about financing via the Internet or a branch, they want to get an idea of the general affordability and the properties they are interested in online - This is exactly where our Leadbooster comes in.
The solution guides the customer through the process with ease - right up to the point at which they actually want to embark on their financing project. If the customer already has a specific property in mind, the solution calculates the total financing costs for them. If this has not yet been determined, the system calculates the customer's maximum credit limit and - by linking to portals - suitable properties. This also supports any vacant property consultations in the branch, as potential interested parties are already pre-filtered through this process.
Determining the total financing amount
If the customer already has a specific property and costs in mind, the solution helps them to determine the total financing amount (including land transfer tax, land register entry, notary costs or notarization costs). Depending on the financing costs, the system also recommends the necessary equity and gives an indication of the general feasibility of the project.
Calculation of the financing installment
Once the total financing amount has been determined, the solution enables the end customer to calculate their monthly installment in a simple way. This is done by specifying the desired term in conjunction with fixed interest periods and any unscheduled repayments. Of course, any regulatory requirements (such as information on unfavorable interest rate trends) are also covered here.
Connection to real estate portals
Once the maximum purchase price has been determined, it is possible to use the API connection to search real estate portals for properties that match the customer's wishes or budget.
Integration of platforms
One or more real estate platforms can be connected on request so that suitable properties can be offered depending on the financing requirements.
Multi-device capable
The non-binding preliminary calculation in just three steps can be carried out from any end device.
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.
