https://www.mortgagebusiness.com ... -mortgage-consumers
Bendigo Bank to offer Tic:Toc tech to mortgage consumers
Digital home loan fintech Tic:Toc has announced that Bendigo and Adelaide Bank will use its proprietary technology to power its own instant home loan platform, Bendigo Bank Express.
Bendigo claimed that the white label partnership would enable it to be “the first Australian lender offering a digital home loan application and assessment process under its own brand”.
Tic:Toc launched the World’s First Instant Home Loan™ in July 2017 and is now collaborating with financial institutions to offer their platform as a service, helping bring traditional home loan processes up to speed.
Commenting on the announcement, Tic:Toc founder and CEO Anthony Baum said: “Tic:Toc is changing the customer experience when it comes to home loans. It’s no longer necessary to wait weeks for home loan approval, when it can be done digitally and conveniently.
“There’s actually not much difference between home loan options. But there can be a big difference in how that home loan is delivered, and the experience for the customer.
“Our automated assessment and approval technology also create dramatic cost efficiencies for lenders.”
He continued: “You only need to look to the United States to see how a digital home loan can change a market. Quicken Loans is now America’s largest home loan lender after launching their online product, Rocket Mortgage.
“Our partner, Bendigo and Adelaide Bank, shares our passion for great customer outcomes, so we’re delighted the bank has chosen Tic:Toc to offer its customers a truly digital experience, if they want it.”
Bendigo and Adelaide Bank managing director Marnie Baker added: “Our partnership with Tic:Toc is another example of Bendigo and Adelaide Bank investing in innovative technologies to offer Australian consumers more choice, and ultimately, better digital experiences.
“Our strategy means we can provide the best solution to customers by selecting the right partner to offer the right services to meet our customers’ needs and make it easier for them to do business with us. Fintech disruption, combined with banking innovation, is helping us drive better outcomes, and we consider relationships with fintechs, such as Tic:Toc, as a mutually beneficial strategy.
“We believe we can grow our business through our vision of being Australia’s bank of choice, and we will do this by providing new and existing customers with valued and relevant products and services, all while investing in new capability and innovation.”
The regional bank noted that Bendigo Bank Express will be available to customers in early 2019.
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Tic Toc开张的时候我翻译过这条新闻
https://www..com.au/bbs/ ... =1340143&page=1
住房贷款的申请和批准程序通常需要像冰川移动一样漫长的22天。澳大利亚一家新兴的金融科技公司估计可以将全过程缩短至22分钟。
嘀:嗒Tic：Toc是一家位于阿德莱德的创业公司，致力于使住房贷款申请尽可能的快速，简便。据报道，经过两年的开发，该公司的数字平台实现了通常需要人参与的决策过程的自动化。与传统方法相比，自动化的申请与批准过程快得无以伦比。
在网上申请过程中，该网站实时计算出借款人的适用性，计算物业估值、还款能力，信用检查，个人身份验证和财务确认，无需与贷款审理人员进行交互或处理实体文书。这一切是通过帐户聚合器“要得利”Yodlee数字验证申请人提供的银行凭证的来实现的。
首发的贷款产品的是自住房，还本还息，可比利率为3.69％，可选择固定利率或浮动利率，也都有对冲账户。
目前，如果您要通过该服务购房或者再融资，至少要有20％的首付/权益。您还需要在省会或主要的地区中心购买房屋。
（目前不包括塔斯马尼亚和北领地，据称嘀:嗒Tic：Toc正在努力中）
嘀:嗒Tic：Toc创始人兼首席执行官安东尼·鲍姆（Anthony Baum）在一份声明中说：“按需经济已经改变了客户对个人理财的期望，房屋贷款已经落后了。
从提供第一个真正完全在线和全自动化的住房贷款，Tic：Toc希望重新定义客户获得房贷的方式，并冲出澳洲，走向世界！
您可以在Tic：Toc官方网站上了解更多关于其房贷服务的信息。
原文链接：
https://www.lifehacker.com.au/20 ... oans-in-22-minutes/
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