Automate project approval checks, legal-technical valuation, construction-linked tranche payouts, and title deed custody on one unified lending platform.
Cut application to sanction time drastically with instant eKYC, automated income spreading, and pre-approved builder project (APF) matching.
Unify clubbed family cash flows, RERA and construction-stage checks, Own Contribution Receipt (OCR) verification, and regulatory slab-wise LTV guardrails in one guided workflow.
Track every legal-technical report, builder demand letter, CERSAI filing, Pre-EMI schedule, and vaulted title deed packet across branches from one place.
01 Homebuyer & Co-Applicant Onboarding
Verify salaried, self-employed, or informal-income borrowers and family co-applicants in seconds with Aadhaar eKYC, CKYC lookup, PAN validation, live photo capture, and cross-branch deduplication.
02 Income & Household Cash-Flow Assessment
Ingest consented bank statements via Account Aggregator (AA), Form 16, payslips, and ITRs—alongside field Personal Discussion (PD) cash-flow logs for affordable housing—to assess combined household repayment capacity.
03 APF Lookup, Legal Title & Technical Valuation
Match units instantly against Approved Project Financial (APF) builder databases and RERA registries, or assign empanelled lawyers and engineers for Title Search Reports (TSR), encumbrance checks, and geo-tagged stage-of-construction verification.
04 Underwriting & Regulatory LTV Structuring
Run bureau pulls and BRE scorecards to compute FOIR and apply regulatory tier-based LTV and risk-weight caps across ready-to-move, under-construction (CLP), plot-plus-construction, Balance Transfer (BT), or home improvement schemes.
05 Sanction, MODT & CERSAI Registration
Generate instant in-principle offers, multi-language Key Facts Statements (KFS), and digital sanction letters, verify original property papers against the List of Documents (LOD), and automate MODT execution and CERSAI charge creation.
06 Builder Demand & Construction-Linked Disbursal
Verify buyer margin money (OCR) and builder RERA escrow or seller accounts via penny-drop, register eNACH mandates, and trigger single or stage-wise tranche payouts across RTGS/NEFT with live ledger posting.
07 Deed Vaulting, Servicing & Closure
Track barcoded title deed packets in dual-custody central vaults, manage Pre-EMI to full EMI conversions, repo-linked EBLR rate resets, PMAY interest subsidy claims, and automated Section 80C/24(b) tax certificates through to final NOC and property release.
Capture and organize application information with less manual effort.
Collect, extract and verify customer documents as part of the application workflow.
Route applications through configured approval rules, exceptions and documentation workflows.
Bring customer, financial and credit information together to assess eligibility against configured lending policies.
Manage active loans, repayments, collections and account activity beyond disbursement.
Capture, assess and move applications through configured workflows.
Manage active loans, repayments and customer servicing.
Run accounting, payroll and governance on your lending core.
Drive better recoveries with intelligent workflows.
Run partner lending, split disbursements and daily settlement in one place.
Bring lending data together for better visibility and decision support.
Enforce policy rules and produce regulatory returns from live data.
Launch and scale lending products faster with configurable workflows and lower operational overhead.
Modernize lending across retail, SME and corporate segments with a secure, scalable platform.
Add a modern lending layer alongside your core banking system, keeping customer and account systems connected.
Deliver high-volume, low-ticket lending with simple, intuitive workflows designed for field and branch teams.
Underwrite housing loans with property, income and verification checks in one connected workflow.
Unify member share capital, deposit-linked loans, surety tracking and daily or pigmy collections in one connected workflow.
Bring the data, services and systems behind your housing lending operation together through a connected ecosystem.
Credit bureaus
Banking & payments
Still unsure? Our lending specialists are happy to walk through the specifics for your institution.
Talk to our teamRewafin connects lead capture, application processing, KYC, document verification and credit assessment within a configurable origination workflow.
Yes. Approval rules, exceptions and documentation workflows are configurable, so the journey follows your own housing lending policy.
Yes. Applications can be captured across branches, web, mobile and assisted channels in a single pipeline.
Customer information and required documents are collected, extracted and verified as part of the application workflow.
See how Rewafin can connect your housing loan operations from application to repayment.
