Online operation method for house property mortgage, electronic device, and readable storage medium

Abstract

The invention discloses an online operation method for house property mortgage, and belongs to the field of fixed asset mortgage. The method is implemented through the interaction between a housing exchange cloud platform system (hereinafter referred to as a cloud platform) and a housing management office mortgage system (hereinafter referred to as a mortgage system), and comprises the following steps that S1, the cloud platform transmits a call request of an asset exchange interface to the mortgage system; S2, the mortgage system transmits a feedback result, and executes step S3 if the call request is passed; S3, the cloud platform uploads the mortgage data; S4, the cloud platform receives the data, and turns on a camera according to an image obtaining request transmitted by the housing mortgage system, so as to upload image data; S5, the housing mortgage system transmits a mortgage handling receipt feedback, and executes step S6 if the mortgage handling is passed; S6, the cloud platform receives and rechecks the recording information feedback transmitted by the housing mortgage system, and transmits the passing information to a lending system if the rechecking is passed. The method effectively improves the mortgage handling time efficiency and quality.

Description

technical field [0001] The invention relates to the field of mortgage of fixed assets, and relates to an online operation method for mortgage of real estate, an electronic device and a readable storage medium. Background technique [0002] At present, the real estate exchange cloud platform system (hereinafter referred to as the cloud platform) has a mature and stable online and offline combination of home e-loan and real estate mortgage business processes, as follows: [0003] First, the customer provides relevant information and initiates a housing mortgage loan application, and the system automatically generates an approval chain; then, the customer service in the store reviews the identity, housing and other information of the reservation customer, and after passing it, selects the housing management bureau for the customer to make an appointment for mortgage, and the system automatically assigns a mortgage. secondly, the detainees accompany the client offline to the Hou...

AI Technical Summary

Problems solved by technology

[0005] First of all, the offline process takes a long time, and the average time for each customer to process a charge is about two days, which is less effective, and there will be subjective errors caused by human negligence, which will affect the quality of the charge; secondly, offline processing Deposits need to arrange corresponding business personnel in each city, which increases the investment in labor costs and management costs; thirdly, offline deposits need to make appointments for customers to go to the Housing Management Bureau together, occupying customers' working time and giving customers a poor experience

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