Develonika has developed a service for working with mortgage applications for partners of UBR Bank

2022: Creation of a service for issuing online applications for a mortgage loan

The Ural Bank for Reconstruction and Development (UBRD) and Develonika, the top 14 custom-made companies in Russia (TAdviser), are jointly developing a service for issuing online applications for a mortgage loan. This was reported by representatives of Softline on February 20, 2023.

The work on the creation of the service started in February 2022 and consisted in the development of the functionality of the personal accounts of an employee of the Bank of UBR and partners: realtors, representatives of developers and real estate agencies. The automated service saved partners who place applications for a mortgage loan on behalf of customers from the need to send documents by mail and memorize the bank's requirements for the client, made tracking the status of applications transparent.

Within the framework of the project, the following were implemented:

• Registration and authentication of service users;
• Mortgage calculator;
• Possibility of creating a request on behalf of the customer;
• Ability to download the necessary documents;
• Mechanism for notifications and notifications about the status of the application;
• Mechanism for generating summary reports on mortgage applications;
• The administrative workplace of the employee managing the users of the personal account;
• Integration with internal systems of the bank;
• Auto test coverage is 80% of the code.

The team of the High Technologies Center (Izhevsk), which is part of the Develonika company, worked on the creation of the service.

The creation of a service for partners is the second stage of the project to automate the execution of online applications for mortgage lending. The development of the first stage started in 2020. At the end of the stage, the personal accounts of the client and the bank employee were implemented and the process of issuing an online application for a mortgage on the site was launched. The launch of the service made it possible to double the time for issuing a decision on applications, to improve the quality of document processing, which, together with other projects, doubled the bank's mortgage portfolio in 2022.

The company is grateful to its colleagues from UBRD for the trust they have shown in choosing Develonika as a technological partner, and also appreciates the effectiveness provided by cooperation with such a mature IT customer in terms of processes. For its part, the partnership has guaranteed the provision of well-coordinated teams for projects that ensure high productivity, commented on the results of the project Viktor Algazin, director of custom development of the Russian Federation "Develoniki."

For UBRD, it was important to find a reliable partner and a competent supplier of architectural and technical solutions in the person of Develonika. For banking industries , the topic safety data has always been in the foreground, so this is the main criterion for choosing a contractor. The bank will be happy to continue cooperation for the sake of customer safety, spoke about cooperation Anton Dmitriyev, Managing Director of the Center for Digital Technologies UBRR.