Home Equity Loan Origination

It addresses documentation tracking issues, limited borrower data access, weak fraud detection, long processing times, poor customer experiences, limited scalability, fragmented communication, data security concerns, and high error rates in credit evaluations. 

A comprehensive, low-code digital platform with pre-configured lending journeys that automates the entire home loan origination process — from application to disbursal — offering a fully paperless and branchless experience. 

Standard home loans, home construction, extension or improvement, balance transfer, affordable housing, property/plot loan, loan against property, and reverse mortgage. 

Borrowers can complete the entire journey online — submitting documents, undergoing verification, and receiving disbursals instantly — without visiting a branch. 

It includes an AI-based decision engine that powers pre-approved offers, smarter credit assessments, and predictive evaluations for faster, risk-aware loan sanctioning. 

Straight-through processing (STP), automated underwriting with rule engines, instant document generation, digital signatures/eConsent, and pre-approved project funding accelerate approval and disbursal times. 

It aggregates liabilities, assets, income, expenditures, financial records (bank statements, payslips, ITRs, P&L) to build a comprehensive customer profile for better decision-making. 

Property authentication and valuations through certified lawyers/appraisers, automated collateral data capture, deduplication checks, and cross-collateralization assessment. 

By orchestrating the entire lending journey across mobile, web, and branch-assisted channels — covering application entry, document verification, underwriting, risk analysis, and disbursal.

Reduced abandonment rates, precise transaction records, minimized errors, elimination of manual tracking, faster loan approvals (hours to minutes), fraud detection, digitized documents, accelerated disbursals, and consistent engagement across all channels.