A bank second-hand housing mortgage

Project Background
In order to promote the development of our bank's mortgage business and enhance the acceptance capability of our bank's online cooperation business with the three parties, our bank plans to establish an online cooperation mode with a number of intermediary agencies. the main business process is that the intermediary structure can recommend mortgage business to our bank through its own platform, and our customer manager can receive business information pushed by stores through our mobile phone APP. The account manager goes offline to the intermediary store to sign the loan-related application information with the customer and collect the data for online pre-approval. As the business model matures, the entire mortgage process is gradually brought to online operations.

Project Construction
Construction period:
2022.4-2022.12 one-time online;
Project members:
The project has 18 input members, 3 in the bank and 15 in Hank's era, including 9 in the back end, 4 in the front end and 2 in the test.

System Advantages
-Simplify the complexity of collecting data under the mortgage line
· Improve the ability of the branch to handle business
· Accurately locate mortgage customers
Increase the efficiency of field operations personnel

Customer Value

mortgage is introduced, it will change the existing offline loan model. All kinds of three parties and intermediaries can accurately push customers who need to use money to the bank, and complete credit application, face authorization, collateral creation and loan online. The project is epoch-making, both within the bank and against the peer-to-peer approach, and the traditional offline data collection, online loan operations and complicated process processing will cease to exist in the future.