This page is for banks that will collaborate with a broker and have not (or will not) start the collaboration process by requesting purchase contract from the broker.
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Term | Norwegian | Description |
|---|---|---|
Intention Flow | Intensjon Flyt | These two are both used to declare how each party (broker and bank) wants to/is able to do the registration (Paper or Digital) |
Registration | Tinglysing | Having the documents accepted into the official Land Registry |
Mortgage document | Pantedokument | |
Deed | Skjøte | Document for transfer of ownership |
Settlement | Oppgjør | A representation of the broker’s data in EPS. |
Prerequisite letter | Forutsetningskrav | An attachment to the pantedokument that is sent to the broker stating the bank’s requirement (having first priority, and so on). |
Why sending intentions
The bank and broker have to agree on the registration process, whether it is on paper or digital documents since the deed and mortgage document must be sent together to the registration authority (Statens Kartverk). Both parties must know this in order to print contract and have them signed “manually” or have the digital documents generated and signed with Bankid.
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Now the broker knows the bank’s intention and the bank knows the broker’s intention. Again. both parties must agree on DIGITAL for it to be a digital process.
Also keep in mind that the intention can be changed later on in the process. The bank does this by again sending a bankintention but with the new flowCapability. The bank is notified by reading events and receiving an INTENTION_CHANGED event referencing the settlement unique identifier.
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More information about how to listen to events can be found here: Monitoring settlements
Generating pantedokument (digital registration process)
Generating a pantedokument to a broker is pretty similar to generating one that should be sent straight to the Registration authority (Statens kartverk) for registration (tinglysing). The most important difference is that the element <dokumentflyt> should be changed to <dokumentflyt>DOKUMENT_TIL_OPPGJOER</dokumentflyt>. Se more details at: https://ambita.atlassian.net/wiki/spaces/DOC/pages/1202192544/Generate+pantedokument#How-to-set-document-flow
Generating a forutsetningsbrev
If the bank would generate a forutsetningsbrev outlining the requirements to the broker, the new webservice generateForutsetningsbrev must be used as the old one generatePrerequisite is deprecated. Se more: Generate forutsetningsbrev