Mortgage Approval Details Verification and Notification System

Abstract

A mortgage approval details verification and reminder system is applicable to a user terminal device and includes a processing unit, a communication device electrically connected to the processing unit, and a storage device. The user terminal device, operated by a user, obtains a mortgage approval details verification and reminder service provided by the processing unit through the communication device, displaying an approval details query screen. The approval details screen includes four steps, corresponding to customer information labeled 1 to 4, approval conditions, confirmation of pre-approval instructions, and a link to print the loan agreement. This prompts the user to confirm and verify the information in numerical order, reducing verification errors and improving operational efficiency.

Claims

1. A mortgage approval details verification and notification system, applicable to a user terminal device, comprising: a communication device for providing network connectivity; a storage device for storing a mortgage approval details verification and notification service; and a processing device electrically connected to the communication device and the storage device, and forming an electrical connection with the user terminal device via the communication device, wherein... The client device, operated by a user, obtains the mortgage approval details check and prompt service provided by the processing device through the communication device, and displays an approval details query screen. The approval details screen includes four step blocks, which correspond to a customer information marked as No. 1, an approval condition content marked as No. 2, a pair of pre-insurance instructions for confirmation marked as No. 3, and a print loan contract overlay link marked as No. 4, so as to prompt the user to confirm and check the information content in the order of the numbers.

2. The mortgage loan approval details verification and notification system as described in Request 1, wherein, The customer information, the approval conditions, the confirmation of the pre-insurance explanation, and the printed loan agreement link contain multiple field names and multiple field contents corresponding to each field name. Each field content includes a first-color text content or a second-color text content, and each second-color text content represents a hyperlink.

3. The mortgage loan approval details verification and notification system as described in claim 2, wherein, One of the field names included in the approval conditions is an approved interest rate, and the corresponding field content contains the latest benchmark interest rate information to reduce the possibility of users making judgment errors when manually verifying insurance.

4. The mortgage loan approval details verification and notification system as described in claim 2, wherein, One of the fields in the pre-insurance instructions is a pair of pre-insurance precautions, and the corresponding field content includes a pair of common insurance questions and answers hyperlinks to reduce the user's error rate regarding insurance.

5. The mortgage loan approval details verification and notification system as described in Request 2, wherein, One of the fields in the pre-insurance instructions is a reminder of what needs to be completed during the insurance process, in order to reduce the user's error rate in insurance coverage.

6. The mortgage loan approval details verification and notification system as described in claim 2, wherein, One of the field names included in the printed loan agreement overlay link is a complete download link, and the corresponding field content is a download hyperlink for a loan agreement completion example marked in sequence 1, a download hyperlink for supplementary information marked in sequence 2, and a download hyperlink for a loan agreement marked in sequence 3, in order to reduce the occurrence of missing information.

7. The mortgage loan approval details verification and notification system as described in Request 2, wherein, One of the field names included in the overlay link for the printed loan agreement is a separate download location for supplementary materials, and the corresponding field content is a hyperlink to download the supplementary file.

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