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. Operations
9.1 Mortgage Payments
9.1.1 ‘Mortage Payment’ screen
9.1.2 Viewing Component Settlement Details
9.1.3 Partial Payment
9.1.4 Payments Simulation
9.1.5 Back Dated Payments
9.1.6 Making Bulk Payments against Mortgage or Commitment
9.1.7 Viewing Summary Records
9.1.8 Viewing Mortgage Payments Summary
9.2 Mortgage Amendments
9.2.1 Amendments Tab
9.2.2 Account Details Tab
9.2.3 Default Tab
9.2.4 Components Tab
9.2.5 Charges Tab
9.2.6 Saving and Authorising Mortgage/Commitment Account
9.3 Amending Commitments
9.3.1 Viewing Mortgage Commitment Amendments Summary
9.4 Value Dated Amendment Simulation
9.4.1 VAMI Simulation
9.4.2 Maturity Date Change
9.4.3 Version Creation
9.4.4 Viewing Mortgage VAMI Summary
9.5 Mortgage Reassignment
9.5.1 Invoke ‘Reassignment’ screen
9.5.2 Amendment
9.5.3 Viewing Mortgage Reassignment Summary
9.6 Mortgage Renegotiation
9.7 Viewing Account Version History and Reversal
9.8 Manual Status Change
9.8.1 Changing Mortgage Installment Status
9.9 Linking Mortgage to Savings Account
9.10 Customer Existence Details of Mortgages
9.10.1 Customer Existence Details of Mortgages
9.10.2 Viewing Mortgage Account Details
9.10.3 Calculating Commission on Highest Debit Balance
9.11 Rollover for Mortgage Account
9.11.1 Rollover Operations for Mortgage Account
9.11.2 Capturing Manual Rollover Details
9.11.3 Capturing Inactive Rollover Details
9.12 EMI for Personal and Auto Loans
9.12.1 Calculating EMI for Personal and Auto Loans
9.12.2 Main Tab
9.12.3 Preferences Tab
9.12.4 Components Tab
9.12.5 Charges Tab
9.13 Processing Write-Off Status
9.13.1 Processing Recovery
9.14 Manual Provisioning of Loan Accounts
9.15 Viewing Manual Provisioning Details
10. Batch Processes
10.1 Mortgage Batch Processes
10.1.1 Configuring the Mortgage Batch Processes
10.1.2 Defining Batch Processes
10.1.3 Initiating the Batch Process
10.1.4 Multi-threading of Batch Processes
10.1.5 Excess Amount Allocation Batch
10.1.6 Status Change Batch Processing (CSDSTBTC)
10.1.7 Interest Posting (INTP Event)
10.1.8 Excess Amount Allocation Batch
10.1.9 Processing the Mortgage Batch
10.2 User Defined Events
10.2.1 Triggering User Defined Events
10.2.2 Viewing MIS Details
10.2.3 Viewing Rate Details
10.2.4 Viewing Charge Details
10.2.5 Viewing Event Details
10.2.6 Viewing Event Fields
10.2.7 Processing Commission on Highest Debit Balance
10.2.8 Processing Stamp Duty Tax
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