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