Home Loan Facilitation & Bank Cases - BrokerOS

Most residential property transactions involve mortgage financing. Delays in mortgage processing directly affect project cash flow and buyer settlement schedules. The BrokerOS Home Loan Desk streamlines application tracking, monitors sanction letters, and coordinates loan disbursements.

The Loan Lifecycle

Loan Case Data Model (`LoanCase`)

Loan cases are created and updated via POST /api/leads/:id/booking/loan-case:

Field	Type	Description
loanApplicationNumber	String	Official application or loan account reference from the lender.
bankName	String	Name of the primary lending financial institution.
bankBranch	String	Specific branch or underwriting office managing the file.
bankContactPerson	String	Assigned loan officer or relationship manager name.
bankContactPhone	String	Contact phone number for the lending officer.
dsaName	String	Name of the Direct Selling Agent or external loan distributor, if applicable.
loanAmount	Decimal	Original mortgage amount requested by the applicant.
approvedAmount	Decimal	Final loan principal approved by the credit committee.
interestRate	Decimal	Annual interest rate (percentage) agreed with the lender.
tenure	Int	Loan repayment duration in years or months.
emiAmount	Decimal	Estimated monthly installment payment.
status	LoanStatus	Current stage: `NOT_APPLIED`, `APPLIED`, `DOCUMENTS_SUBMITTED`, `UNDER_REVIEW`, `APPROVED`, `DISBURSED`, `REJECTED`.
pendingActions	Text	Outstanding checklist items required before next milestone.
internalNotes	Text	Internal coordination notes between the loan desk and buyer.

Document Management for Loans

Loan documents and sanction proofs are uploaded through /api/leads/:id/booking/post-sales-file with type: 'loan':

Sanction Letter (sanctionLetterUrl): The official approval letter specifying the sanctioned loan amount, interest rate, and terms.
Supporting Documentation (loanDocumentUrls): Multiple supporting files including tax returns, payslips, bank statements, and credit reports stored securely as an array of cloud URLs.
Tripartite Agreements: Agreements signed between buyer, builder, and lender governing milestone disbursements directly into designated project accounts.