2023年7月6日

在上周宣布抵押貸款憲章Ohpen強調另一個真理現代抵押貸款。沒有修改的靈活性和記錄發生了什麼在操作過程中,銀行可能會陷入一些非常昂貴的解決方案,不符合政策製定者和監管者的期望。如果是不夠的,產品發布和撤軍過程被測試極限影響服務和利潤,銀行如何處理不良借款人正受到密切關注。首先,發放和服務消費者義務住7月31日。然後我們有承諾借款人的抵押貸款特許,包括承諾將不會被迫離開他們的家沒有他們的同意,除非在特殊情況下,在不到一年的時間從他們第一次錯過了付款。此外,從7月10日客戶接近結束的固定利率交易將有機會鎖定交易提前6個月。他們還能夠管理新政和請求一個更好的同比處理他們的銀行直到新學期開始,如果一個是可用的。當然還有更多的並不是所有銀行將簽約,但那些可能需要延長借款人的術語來減少還款,利息支付,提供一個開關或手一係列其他的選擇就像一個臨時延期付款或部分償還利息部分。正確的選擇將取決於客戶的情況。但是在一個新的世界的消費者責任和關注借款人的結果,這是正確處理證明,任何將變得越來越重要。 No-one has a crystal ball to know if actions taken now in the best faith will prove to be the right course of action in due course. Forgiveness of payments do not mean that money is still not owed 12 months later and if deferrals are considered the right course of action, system and processes are needed to evidence how a lender arrived at this decision – particularly if it effectively stores up further trouble for later on. Systems and processes that can deliver evidence of this decision making in an automated way, go much further than the platforms of the past – and as with all SaaS solutions, implementing them can be quick without breaking the bank. Indeed, a change agreed for one institution can be rolled out to all since all of them will be working within the same regulatory framework. Technology has for a long time focused its efforts on helping lenders deliver market share more quickly. That is understandable and is still the case. But as we move through the credit cycle the banking platform is of equal regulatory and reputational importance. Never in mortgage lending in this country has the way in which lenders interact with their current customers come under so much scrutiny. It is a trend that has been in place since the global financial crisis and it is one that governments will continue to lean into if it means voters are protected. Operational systems need to be more than one dimensional in what they deliver. The front-end, back-end and the records of best practice are all part of that operational considerations now. Jerry Mulle, UK managing director, Ohpen