Digital Infrastructure for Mortgage
Establishment and Discharge
Enterprise platform managing banks' mortgage operations end-to-end in the digital environment. Consolidates manual mortgage, E-Mortgage, E-Deed, correspondence, and financial reconciliation processes under one roof.
Digitalization is Mandatory
Mortgage establishment and discharge operations involve multiple stakeholder coordination, intensive regulatory requirements, and land registry integration. They are among banking's most sensitive operations.
Multiple Stakeholder Coordination
Seamless information flow and task routing between branches, headquarters mortgage units, legal departments, and land registry offices is essential.
Regulatory and Compliance
Full compliance with cadastre protocols, banking regulations, and electronic signature law requires auditability, traceability, and verification at every step.
Speed and Operational Efficiency
Mortgage operations directly impact credit disbursement timelines. Customer satisfaction and competitive advantage require both speed and accuracy.
HYPOTEX Approach
HYPOTEX digitalizes mortgage establishment and discharge processes end-to-end, supporting both traditional (manual) and electronic (E-Mortgage, E-Deed) channels. Land registry integration, electronic signature infrastructure, and automatic task routing reduce operational risk, accelerate credit disbursement, and ensure regulatory compliance.
Modules and Capability Areas
Eight core modules that digitalize every layer of your mortgage operations.
User and Authorization Management
Role-based access control, automatic user creation via HR integration, restriction management, and personnel file archiving. Separate role structures for bank and legal firm users.
Manual Mortgage Management
Flexible workflows, success-dependent step transitions, automatic task routing, and SLA tracking. Special collateral types, scenario-based alternative workflows, and INVEX valuation integration.
E-Mortgage Management
Fully digital mortgage establishment via land registry web services. Automatic official deed generation, electronic document approval via signature, real-time status tracking. Eliminates physical processes entirely.
E-Deed (Discharge) Management
Electronic mortgage discharge via land registry E-Discharge system. Automatic discharge document generation, secure data transmission, and automatic record updates. Seamless flow from credit closure to discharge.
Reporting and Analytics
Flexible reporting interface, ready-made templates, and interactive dashboards. Legal firm performance evaluation, internal team efficiency analysis, and regulatory-compliant reporting. BI integration.
Electronic Correspondence Package and Signature
Standard document templates, dynamic document generation, and NES/mobile signature integration. Paperless workflows via electronic correspondence. QR code verification for wet-signed documents.
Financial Management and Reconciliation
Automatic service fee calculation, hold and collection integration, expense item tracking. Process-based reconciliation workflows and legal firm payment management.
Search, Notifications, and Audit
Advanced multi-criteria search engine, flexible notification infrastructure, and immutable audit trail. Real-time critical alerts, bulk announcements, and legally-compliant log management.
Integration Points
HYPOTEX integrates seamlessly with your bank's existing IT infrastructure and official institution systems.
Core Banking
Bidirectional data flow with credit allocation, collateral pools, and customer systems.
Land Registry / TAKBİS
Direct land registry integration via E-Mortgage and E-Discharge web services.
E-Signature Services
Electronic document signing via NES, mobile signatures, USB tokens, and smart cards.
INVEX Valuation System
Valuation reports, property information, and collateral compliance data are automatically transferred.
Centralized Document Management
Integrated archiving and version tracking with your institution's document management system.
Human Resources
Integrated automatic user creation and role change tracking with HR systems.
Enterprise-Grade Security Standards
Built with infrastructure meeting the highest security and compliance requirements of the financial sector.
Role-Based Authorization
Each user sees only the operations and data they are authorized to access.
Audit Trail
All transactions are logged and traceability is ensured at every stage.
GDPR-Compliant Data Management
Data processing and deletion procedures compliant with personal data protection regulations.
Capital Markets and Banking Compliance
Full compliance with capital markets and banking regulations.
Electronic Signature Law Compliance
Digital document production, verification, and storage compliant with electronic signature legislation.
ISO 27001 and ISAE 3402
Compliance with international information security and control assurance standards.
Ready to digitalize your mortgage processes?
Transform your mortgage operations end-to-end with E-Mortgage and E-Deed infrastructure.
