Physical DFD

There are three Stake holders in the web-site we are designing

1) The End Consumer ( People availing Home Loans)

2) Brokers ( Real Estate brokers )
3) Banks Providing Home Loans

The entire process is mapped keeping in mind the ease of these three stake holders

1) The End User or the Broker registers with the web-site for free or for a fee depending on
the type of account opted by either stake holder.
2) The End user seeks for a broker in the area of his interest, else looks out directly for
home loan options.
3) The broker then guides him to the portal for loan applications and processing
4) The user enters his requirements for a home loan, the type, the purpose and the amount.
5) He gets a consultant dedicated to him guiding him through various types of home loans
and a comparative map of the loans that suit his requirements the best.
6) Once the user shows an interest in any of the home loans, he gets a call from the portal
and he is directed further with the loan application
7) All the required documents to be submitted by the applicant is collected by the portal
company by sending their representative
8) His loan application is first verified by the portal and is then sent to the bank for its
verification and further processing.
9) To make verification process easier for the bank, the portal also provides credit history of
the customer if he is an old one, else provides an option for getting his credibility
checked through their rating agency which is quiet recognized.
10) All the laborious work required in the entire application process is taken care of by the
portal representative both for the bank and the consumer
11) The loan is sanctioned and the consumer gets the sanctioned amount transferred into his
account from the bank.
12) The consumer gets constant news updates, reminders and RSS feeds incase he wants to
change his loan preferences, look out for a top-up loan or prepay his loan amount, thus
creating a long lasting relationship with the consumer.
13) For every successful transaction routed by the broker, he gets a part of the benefit
pocketed by the portal.
 Physical DFD
Verification
7 9
8

4
End User 1 Portal 4 Banks

6 5

2 3

11 Broker

10