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Collaboration with broker

Our collaboration service Electronic Property Settlement (Elektronisk Eiendomsoppgjør), enables collaboration between bank and broker. This enables a bank to send the mortgage document to the broker for registration in the Land Registry, as part of a document package, together with the deed, which enables use of digital documents in the process of buying a house(realty). To do so we have implemented the possibility to generate documents for the future owner (buyer) so that, together with the deed, it will both change ownership and establish collateral for the bank, via the broker/real-estate agent.

Figure 7 Collaboration overview

New, easier flow with Etinglysing version 51.38

From version 51.38 of Etinglysing, the new method sendToRealEstateBroker makes it transparent for the integrator (bank) whether the broker is an Ambita broker or not. Banks can always use flow DOKUMENT_TIL_OPPGJOER when generating the pantedokument and the new method sendToRealEstateBrokerwhen sending it to the broker.

sendToRealEstateBroker(
  long documentId,
  String brokerOrganizationNumber,
  Base64 pantedokumentSdo,
  Base64 prerequisiteDocument,
  String prerequisiteDocumentMimeType
)

Input:

Parameter

Required

Description

documentId

true

The unique id returned from the generatePantedokument action

brokerOrganizationNumber

true

This is the organization number of the broker that the pantedokument should be sent to..

pantedokumentSdo

false

The Signed Data Object representation of the pantedokument. Only needed if it is not set previously using setSDO or setSDOList actions.

prerequisiteDocument

false

The terms from the bank to the broker as PDF or as an XML document according to the standard defined by DSVE If the generatePrerequisite has been called prior, there is no need to specify this unless you want to override the prerequisite previous generated.

prerequisiteDocumentMimeType

false

Format of prerequisite document. Must be set if prerequisiteDocument is present. Supported types are “XML” and “PDF”.

This service requires the documentID from the generatePantedokument call and the broker’s organization number. When called www.etinglysing.no will push the signed document to the relevant EPS settlement, if found (for Ambita’s brokers). If no settlement process is found when sendToRealEstateBroker is called, the pantedokument (and prerequisite letter, if any) will be sent to the broker using the Afpant channel (Non-Ambita brokers).

Note that there is no need to generate a foelgebrev for a document that is to be sent to the broker, as this will be done by the broker.

If a prerequisite document is generated beforehand using generatePrerequisite method, it will be sent to the broker along with the pantedokument, no need to include it when calling sendToRealEstateBroker. Include prerequisite document in sendToRealEstateBrokeronly if:

  • You want to override the previously generated one.

  • You want to send a custom prerequisite letter.

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