Refinancing Process
2017-03-29 22:21:00 0 举报
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IS client in Current?
Yes
Cola sends the New Contract by Mail
Apply Refinancing
Apply Rescheduling
Clients Makes Request to extend the due date
Debt Collection
No & reaches 31+ DPD
New Contract needs:- New Number - we can add a Letter in front of the initial number - 1R9990001 - Add refinancing debt clauses
Special Payment Stamp for Refinancing payments ( as for rescheduling = Extension)
Does Client give Consent?
Payment is Process as Refinancing
EXTENSIONs SCENARIOS
Client
Analyze Client Request
Approve Request?
Interest is paid?
Client will pay interest rate of the loan to be refinanced. Only Principal will be Capitalize
Customer Care
Ask Client for Consent
No
Consents:1. Credit Bureau2. Data Protection3. Terms& Conditions
Phone / Mail - workaround till Profile implementation of stepsProfile - normal and standard way of requesting Refinancing
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