Descrizione del progetto
Mutui ipotecari semplificati per tutti
Il processo di richiesta di un mutuo per la casa può essere piuttosto complesso da gestire, in particolare per chi acquista un’abitazione per la prima volta. Il progetto CL Platform, finanziato dall’UE, semplificherà questa situazione. Questa piattaforma SaaS (software come servizio) è destinata a tutte le parti dell’intesa per un mutuo ipotecario: i consumatori, i consulenti e gli erogatori del prestito. I consulenti pagheranno un costo di licenza annuale per l’utilizzo della piattaforma e una commissione per ciascun mutuo ipotecario elaborato dalla stessa. Gli erogatori del prestito, invece, dovranno corrispondere solamente una tariffa fissa per i dati di ciascun richiedente ricevuti. Il prototipo della piattaforma è stato testato con successo in Irlanda. Il progetto ha in programma di commercializzarla inizialmente in Irlanda e nel Regno Unito, per poi puntare all’Europa centrale e al resto del continente.
Obiettivo
CL Platform is a mortgage application platform that simplifies the mortgage application process for mortgage advisors, mortgage lenders and consumers. It does this by streamlining and integrating application data between all stakeholders and automating many processes. CL Platform makes the mortgage application process quicker, more efficient and cheaper for mortgage advisors, mortgage lenders and consumers.
CL Platform is a multisided business serving both mortgage advisors and mortgage lenders, and benefiting consumers. CL Platform is delivered as a Software as a Service (SaaS). Mortgage advisors pay an annual licence fee for use and a commission for each mortgage that gets completed through the platform. Mortgage lenders pay a fixed fee for each applicant data received. We will commercialise in the target markets of UK and Ireland, followed by Central Europe then the rest of Europe. We will target first smaller mortgage advisors as they are quicker to adopt new solutions. Growth among these will attract larger mortgage advisors and mortgage lenders.
To date we have developed an Alpha prototype of CL Platform for our local Irish market and it has received positive feedback from both advisors and lenders. The proposed projects fits in with our strategy as it will enable us to accelerate the development of the core platform into and MVP, explore new EU markets and localise the solution, and pilot test with advisors and lenders within these markets to validate CL Platform. It will also allow us to prepare for commercialisation by develop specific marketing and communication material, ensuring compliance with regulatory requirements and protecting our intellectual property. At the end of the project we will have a commercial product ready to start generating revenue within our initial target markets.
Programma(i)
Argomento(i)
Invito a presentare proposte
Vedi altri progetti per questo bandoBando secondario
H2020-SMEInst-2018-2020-1
Meccanismo di finanziamento
SME-1 - SME instrument phase 1Coordinatore
MONKSTOWN
Irlanda
L’organizzazione si è definita una PMI (piccola e media impresa) al momento della firma dell’accordo di sovvenzione.