BCR continues the digital transformation of the mortgage loan and offers customers, in George, a completely digital flow until signing, which can reduce the time of granting a loan to 5 working days, according to the information provided by the bank. Using AI agents to automate processes and quickly validate information, the new experience, developed in the bank’s Digital Mortgage lab, is available for both home purchase and refinancing – including from another bank – and completely replaces the traditional mortgage process. BCR scientists start from a concrete credit offer, obtained in a few minutes, which they can customize and keep for two months. From this point they enter a complete digital experience, in which they upload the property documents, get their quick validation and have control and predictability until they get the house keys, claims BCR, the second largest bank in Romania. «Buying a house is one of the most important decisions in a customer’s life – not only financially, but also emotionally. It is a time full of expectations, questions and often pressure. And beyond numbers and documents, our role is to be with customers exactly when they need clarity and confidence the most. We started from the points that created the greatest difficulties and delays for them and removed them from the process. In their place, we built a more italic and more predictable, where customers receive clarity step by step, are kept informed in real time and have visibility and control over each stage. The result is a mortgage loan that can be obtained in 5 working days. More than speed, we offer the assurance that, in a moment of great emotional charge, the customer is not alone, but supported by a clear, intuitive process and a team that understands his needs, says Cătălin Munteanu, executive director of Products and Customers, BCR. How BCR’s digital flow for mortgages works, in 4 simple steps: 1. Firm offer in minutes. The customer discovers from George, before choosing his home, the exact amount for which he qualifies. The offer is adjustable in amount, type of interest and period and remains valid for two months, for finding the right apartment. Financial approval is automatic for amounts up to 900,000 lei, without additional documents. 2. Initial validation of property documents, in just a few minutes after uploading. After choosing the residence, the documents are uploaded directly to George. In just a few minutes, the client receives a first, automatic validation – before the file is analyzed by the operations team. 3. The quick evaluation of the property, which the client can schedule himself, and a direct communication with the appraiser for any additional need for documents needed during the inspection. 4. Digital completion & signature. After the credit is approved, the client quickly completes the remaining steps in George: concludes the property insurance, pays the analysis commission and schedules the signing of the contracts. The final documents, the only ones that must be signed, according to the law, in the unit, are checked automatically, significantly reducing the interval until the money is made available.
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