Contents
1. Preface
1.1 Introduction
1.2 Audience
1.3 Documentation Accessibility
1.4 Organization
1.5 Related Documents
1.6 Glossary of Icons
2. Mortgages – An Overview
2.1 Interface with other Modules
3. Maintenances and Operations
3.1 Maintaining Information
3.2 Maintaining Bank Parameters
3.3 Maintaining Branch Parameters
3.3.1 Viewing Mortgages Branch Parameters Summary
3.4 Defining UDE Rules
3.5 Providing UDE Values
3.5.1 Maintaining Fixed Amount UDEs in other Currency
3.6 Applying the UDE Cascade Function
3.7 Maintaining Adhoc Charge Types
3.8 Maintaining Adhoc Charges
3.8.1 Viewing Mortgage Adhoc Charges Summary Screen
3.9 Maintaining Holiday Periods
3.10 Maintaining Check Lists
3.11 Maintaining System Data Elements
3.12 Maintaining Floating Interest Rates
3.13 Maintaining User Defined Policies
3.14 Maintaining Standard Policies
3.15 Maintaining Bulk Payment Preferences
3.15.1 Viewing Summary Records
3.16 Maintaining Legal Heir Details of a Mortgage
4. Defining Product Categories and Products
4.1 Product Categories
4.1.1 Maintaining Product Categories
4.1.2 Setting up a Mortgages Product
4.1.3 Defining Other Attributes for a Product
4.1.4 Specifying User Data Elements
4.1.5 Indicating Preferences for a Product
4.1.6 Specify Components Details
4.1.7 Associating Notices and Statement
4.1.8 Mapping Accounting Roles to Product
4.1.9 Specifying Account Status
4.1.10 Maintaining Event Details
4.1.11 Maintaining Customer Category Restriction
4.1.12 Defining User Defined Fields
4.1.13 Specifying Top up Details
4.1.14 Viewing Mortgage Product Summary
4.2 Processing of IRR application on Mortgages
4.2.1 Recalculation of IRR with new effective date
4.3 Customized Products
4.3.1 Defining Customized Products
4.3.2 Preferences Tab
4.3.3 Components Tab
5. Account Creation
5.1 Mortgage Account
5.1.1 Creating a Mortgage Account
5.1.2 Main Tab
5.1.3 Preferences Tab
5.1.4 Holiday Preference Tab
5.1.5 Check
List Tab
5.1.6 Fields Tab
5.1.7 Components Tab
5.1.8 Charges Tab
5.1.9 Linkages Tab
5.1.10 Advices Tab
5.1.11 Credit Score Tab
5.1.12 Specifying Other Applicants Details
5.1.13 Capturing Asset Details
5.1.14 Repayment Holiday for Amortized Mortgages
5.1.15 Viewing Mortgage Account Summary
5.2 Generating a Loan Account
5.2.1 Specifying Date Range
5.3 Calculating Exponential Interest for Loans
5.4 Maintaining Financial Operations Tax (IOF)
5.5 Commitment Account
5.5.1 Creating a Commitment Account
5.5.2 Commitment Tab
5.5.3 Applying Different Repayment Styles for a Commitment
5.5.4 Charging Fee on Commitments
5.5.5 Processing Events for a Commitment
5.5.6 Viewing Commitment Account Details
5.6 Saving and Authorizing Mortgage/Commitment Account
5.7 Multilevel Authorization of an Account
5.7.1 Viewing Details of Mortgage Accounts Linked to L/C
5.8 Manual Confirmation by Notary
5.8.1 Viewing Mortgage Manual Notary Confirmation Summary
6. Capturing Additional Details for a Mortgage
6.1 Account Details
6.1.1 Account Details Screen
6.1.2 Specifying Promotions
6.1.3 Viewing Internal Rate of Return Details
6.1.4 Viewing MIS Details of the Mortgage
6.1.5 Viewing Account GL Balance
6.1.6 Viewing Internal Rate of Return (IRR) Details
6.1.7 Capturing Swift Message Details
6.1.8 Viewing Installment Details
6.1.9 Maintaining Payment Mode Details
6.1.10 Capturing Financial Details
6.1.11 Viewing Account Status
6.1.12 Viewing Security History Details
6.2 Events Diary Details
6.2.1 Viewing Events Diary Details
6.2.2 Processed Tab
6.2.3 Unprocessed Tab
6.2.4 Querying Account Details
6.3 Inactive Mortgages
6.3.1 Processing Inactive Mortgages
6.3.2 Operations on Inactive Mortgages
6.3.3 Viewing Mortgage Inactive Accounts Summary
6.4 Mortgage Simulation
6.4.1 Simulating a Mortgage
6.4.2 Simulating a Commitment
7. Branch Transfer of Mortgages
7.1 Transferring Mortgages
7.2 Customer Portfolio
7.2.1 Transferring Customer Portfolio
7.2.2 Merging of Branches
7.2.3 Transferring Product Mortgages
7.2.4 Viewing Branch Transfer Details
7.2.5 Transferring Batch
7.2.6 Transferring Event
7.2.7 Transferring Adjustment Event
8. Making Manual Disbursements
8.1 Disburse Mortgage Manually
8.1.1 Disbursing a Mortgage through the ‘Manual’ Mode
8.1.2 Verifying the Check List Items
8.1.3 Capturing Values for Event Level UDFs
8.1.4 Viewing the Default Details
8.1.5 Viewing the Charge Details Associated with the Event
8.1.6 Capturing the Advice Related Details
8.1.7 Viewing the Swift Message Details
8.1.8 Viewing Mortgage Manual Disbursement Summary
8.2 Saving and Authorizing a Manual Disbursement
8.2.1 Accounting Entries
9. Batch Processes
9.1 Mortgage Batch Processes
9.1.1 Configuring the Mortgage Batch Processes
9.1.2 Defining Batch Processes
9.1.3 Initiating the Batch Process
9.1.4 Multi-threading of Batch Processes
9.1.5 Excess Amount Allocation Batch
9.1.6 Status Change Batch Processing (CSDSTBTC)
9.1.7 Interest Posting (INTP Event)
9.1.8 Excess Amount Allocation Batch
9.1.9 Processing the Mortgage Batch
9.2 User Defined Events
9.2.1 Triggering User Defined Events
9.2.2 Viewing MIS Details
9.2.3 Viewing Rate Details
9.2.4 Viewing Charge Details
9.2.5 Viewing Event Details
9.2.6 Viewing Event Fields
9.2.7 Processing Commission on Highest Debit Balance
9.2.8 Processing Stamp Duty Tax
10. Operations
10.1 Mortgage Payments
10.1.1 ‘Mortage Payment’ screen
10.1.2 Viewing Component Settlement Details
10.1.3 Partial Payment
10.1.4 Payments Simulation
10.1.5 Back Dated Payments
10.1.6 Making Bulk Payments against Mortgage or Commitment
10.1.7 Viewing Summary Records
10.1.8 Viewing Mortgage Payments Summary
10.2 Mortgage Amendments
10.2.1 Amendments Tab
10.2.2 Account Details Tab
10.2.3 Default Tab
10.2.4 Components Tab
10.2.5 Charges Tab
10.2.6 Saving and Authorising Mortgage/Commitment Account
10.3 Amending Commitments
10.3.1 Viewing Mortgage Commitment Amendments Summary
10.4 Value Dated Amendment Simulation
10.4.1 VAMI Simulation
10.4.2 Maturity Date Change
10.4.3 Version Creation
10.4.4 Viewing Mortgage VAMI Summary
10.5 Mortgage Reassignment
10.5.1 Invoke ‘Reassignment’ screen
10.5.2 Amendment
10.5.3 Viewing Mortgage Reassignment Summary
10.6 Mortgage Renegotiation
10.7 Viewing Account Version History and Reversal
10.8 Manual Status Change
10.8.1 Changing Mortgage Installment Status
10.9 Linking Mortgage to Savings Account
10.10 Customer Existence Details of Mortgages
10.10.1 Customer Existence Details of Mortgages
10.10.2 Viewing Mortgage Account Details
10.10.3 Calculating Commission on Highest Debit Balance
10.11 Rollover for Mortgage Account
10.11.1 Rollover Operations for Mortgage Account
10.11.2 Capturing Manual Rollover Details
10.11.3 Capturing Inactive Rollover Details
10.12 EMI for Personal and Auto Loans
10.12.1 Calculating EMI for Personal and Auto Loans
10.12.2 Main Tab
10.12.3 Preferences Tab
10.12.4 Components Tab
10.12.5 Charges Tab
10.13 Processing Write-Off Status
10.13.1 Processing Recovery
11. Reports
11.1 Mortgage Accounts with CASA Benefit Report
11.1.1 Contents of the Report
11.2 Mortgage Branch Transfer Report
11.2.1 Contents of the Report
12. Annexure A
12.1 Accounting Entries
12.2 Events
12.3 Accounting Roles
12.4 Event-wise Advices
13. Function ID Glossary