One system for home loan files, property checks, staged releases, instalments and returned title papers.
Run home lending from a single system that follows each loan from enquiry through to the return of the borrower’s original title papers. Sales, credit, legal and operations work on one loan record. It carries the applicant, the property file, the valuation, the sanction, each tranche release, the instalment schedule and the collections calls.
- Loan products, document lists and approval limits entered as your company lends
- Existing loan book, schedules and property files migrated
- Rate reset and letter templates maintained by GullySystem staff on request
Branch managers, sales officers, credit analysts, legal staff, engineers and collections all work from this home loan system. GullySystem sets it up around your own sanction and release steps. Each loan record carries the applicant, the property and title file, the valuation, the sanction, tranche releases, the instalment schedule and the originals held in custody.
What goes wrong before the software.
How the work flows through it, step by step.
- 1
Enquiry
A broker, builder or walk-in customer is logged with the property in mind. The officer lists the papers to collect and books a follow-up.
- 2
Appraisal
Credit reviews income, obligations and history. The valuer’s report and the legal opinion on the title are attached to the file.
- 3
Sanction
The approving authority sets the amount, tenure, rate and conditions. The sanction letter is issued, and the borrower’s acceptance is recorded.
- 4
Documentation and charge
The loan agreement is signed. Originals are lodged in custody, and the registration of the charge over the property is tracked to completion.
- 5
Disbursement
Money goes out in one payment or in tranches. For a house under construction, each tranche waits for an inspection note at the stage reached.
- 6
Repayment and closure
Instalments come in. Rates are reset when the benchmark moves, arrears are chased, and the originals are handed back at closure.
What is inside.
Every module can be switched on, left out or changed to match how your team already works.
The business modules it is built from.
Each one is also available on its own, or inside a system built for you.
- Lead Management
Enquiries from brokers, builders and walk-ins are logged with source and follow-up date, then become the applicant record once a file is opened.
- Document Management
Salary slips, statements and identity proofs attach to the applicant, and a checklist shows which papers are still missing before credit can start.
- Workflow and Approvals
A file moves to the approving level set for its amount, and the decision, conditions and approver are stored with the sanction letter.
- Contract Management
Each signed agreement, deed and cheque is logged with its vault location, and a release entry is made when the borrower collects it.
- Receipts Management
Every instalment received by cheque, transfer or standing instruction is matched to its loan and receipted, and the outstanding balance is updated at once.
- Collections and Payment Follow-Up
Overdue loans are listed by age with the last call and promised date, so collections staff know who to ring each morning.
- Service Reminders
The policy term and charge filing date of each property raise a reminder to the loan officer before the cover or filing lapses.
- Dashboards and KPIs
Heads of branch and credit read sanctions, disbursements and arrears by product from the same loan records that officers keep current.
How we would put it in.
Setup, data migration, integrations and anything built on top.
One system, each person sees their part.
For sales officers
Log enquiries, see which papers each applicant still owes, and watch a file move through credit and legal.
For credit analysts
Open the applicant’s documents, valuation and obligations on one screen, and record the appraisal note and recommendation.
For the legal team
Work through the title chain and the list of seller papers, and mark the charge registration as filed and completed.
For engineers and valuers
See the properties assigned for a visit, file the report from the site, and note the stage of construction reached.
For operations and collections
Release tranches, apply rate resets, post instalments, and work the overdue list with calls and notices.
The numbers the owner asks for.
- Applications by stage and branch
- Files awaiting seller or builder papers
- Sanctioned against disbursed by month
- Tranches pending site inspection
- Instalments overdue by age band
- Floating rate loans due for a reset
- Original documents in custody by vault location
Who this is built for.
- Housing finance companies with several branches and a field sales team
- Lenders financing under-construction flats through builder tie-ups
- Companies that also lend for plot purchase and home extension
- Teams that keep original title papers in a central vault
- Lenders whose loan book sits in spreadsheets or an ageing system
When it is not the right choice.
- A lender with a handful of home loans a year can keep files in a folder and a ledger.
- A bank that offers many unrelated products will want a full core banking system; this one is built around the home loan.
Adapted to your business before it goes live.
You are not handed a login and left to it. The product is set up around your records, your people and the tools you already use.
Works alongside
- SMS
- WhatsApp or other messaging
- Bank transfer and standing instruction files
- Credit bureau data entry
- Accounting export
- Document scanner
Questions owners ask before a demo.
Does it cover only home loans?
It is built around the home loan and its property file. Loans against property and plot loans use the same record, with their own document lists.
Can a tranche be blocked until the site is inspected?
Yes. The release is held until an engineer’s note for the stage is filed, and the approving officer sees the note beside the amount.
How does a floating rate change work?
An officer enters the new benchmark rate. Every linked loan gets a revised schedule and a draft letter, and staff review the list before it goes to borrowers.
Can legal staff see what the seller still owes?
Yes. Every legal and technical paper on a property is listed as requested, received or still pending, with who chased it and when.
How are original title papers tracked?
Each deed or cheque is logged with the vault, shelf and branch, and its movement is recorded until the borrower collects it at closure.
Can the credit bureau report be attached?
Yes, as an uploaded report on the applicant file, with the credit analyst keying the score into a field beside it. A direct bureau feed is a separate integration quoted after discussion.
Do you set up our approval limits?
Yes. The amount bands and the people who approve each band are entered from your credit policy, and the policy itself stays your own.
What happens to the data we already hold?
Open loans and property details are loaded from your files. Your team compares a sample against the originals before anyone lends from the new system.
Who owns the loan records?
The company does. Loan files, repayment schedules and custody lists can be exported, with the layout agreed in writing before any build starts, so borrower history is never stuck.
What goes into the quote?
The figure depends on branch count, users and the migration involved. It arrives as a written proposal after a demonstration on a sample loan file.
Wondering what it would cost? Share your requirements and an engineer will come back with a scope.
Businesses that use this.
Related products.
See Housing Finance Company Management Software with your own data.
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