purpose Gateway_1uyee92 object-and-purpose-end use-equity-from-sale register-property-information Gateway_0krba6o skip-register-refinancing-details Gateway_1cqayg5 register-refinancing-details register-move-loan-details register-source-of-equity start-event fetch-property screen-property enrich-property-information ${__gateway_outgoing_path == "purpose-purchase"} ${__gateway_outgoing_path == "use-equity-from-sale-yes"} ${__gateway_outgoing_path == "use-equity-from-sale-no"} ${__gateway_outgoing_path == "purpose-refinancing"} ${__gateway_outgoing_path == "purpose-move-loan"} ## Loan Purpose Decision Determines the purpose of the loan application to route to appropriate information gathering. - Purpose types: Property purchase/proof of finance or refinancing/loan transfer - Actor: System evaluates application purpose from engagement data - Outcome: Routes to purchase equity registration or refinancing loan details Flow_0rgpq2i purpose-purchase purpose-refinancing purpose-move-loan ## Household Information Process Start Initiates the household information gathering and property assessment process. - Input: New application requiring household and property information - Actor: System automatically starts the household data collection workflow - Outcome: Process begins with fetching existing household property data Flow_13ewc7l ## Fetch Properties Retrieves existing property information for all from external systems. - Data sources: Property registries, ownership records, and valuation databases - Actor: System automatically fetches property data for each stakeholder - Outcome: Comprehensive property portfolio ready for evaluation Flow_13ewc7l Flow_1x4zy8o DataStoreReference_0nq6ezl ## Evaluate Properties Assesses property values and characteristics using business rules and valuation models. - Evaluation criteria: Market value, property type, location, and condition assessment - Actor: Property valuation engine processes each property through evaluation rules - Outcome: Property evaluations ready for information enrichment Flow_1x4zy8o Flow_0pu5qzg ## Enrich Property Information Enhances property data with additional valuation and market information from external providers. - Data enrichment: Market analysis, comparable sales, and detailed valuation reports - Actor: Property valuation provider systems supply enhanced property information - Outcome: Comprehensive property information ready for engagement processing Flow_0pu5qzg Flow_0rgpq2i DataStoreReference_0pwkqf7 ## Information Gathering Gateway Merges all loan purpose and equity information gathering paths. - Convergence point: Combines purchase, refinance, and equity registration outcomes - Actor: System consolidates all information gathering activities - Outcome: Proceeds to household economy information registration Flow_0tpj7st Flow_0vt6zfw Flow_1i54jtp Flow_0ri238u ## Household Information Process Complete Finalizes the household information gathering with complete property and economic data. - Process result: Comprehensive household information collected for credit evaluation - Actor: System completes the household information workflow - Outcome: Application proceeds with complete household data to credit evaluation Flow_0ri238u ## Equity from Property Sale Decision Determines if equity will come from selling an existing property. - Decision basis: Stakeholder indicates if property sale will provide equity funding - Actor: System evaluates stakeholder input about equity source - Outcome: Routes to property registration or proceeds without sale information Flow_1n3cen2 use-equity-from-sale-yes use-equity-from-sale-no ## Register Property Information Stakeholder provides detailed information about property to be sold for equity financing. - Property details: Address, type, expected sale price, and sale timeline - Actor: Stakeholder manually enters property sale information - Outcome: Property sale information recorded for equity calculation use-equity-from-sale-yes Flow_0foyytu use-equity-from-sale-no Flow_0foyytu Flow_0vt6zfw purpose-refinancing skip-register-refinancing-details-no skip-register-refinancing-details-yes ${__gateway_outgoing_path == "skip-register-refinancing-details-no"} ${__gateway_outgoing_path == "skip-register-refinancing-details-yes"} Flow_0r8h268 skip-register-refinancing-details-yes Flow_1i54jtp ## Register Loan Details for refinancing Stakeholder provides details about which loan to increase. Since they have already been fetched in a previous task this presents those, and give the ability to tweak the value. skip-register-refinancing-details-no Flow_0r8h268 ## Register Loan Details Stakeholder provides details about existing loans for refinancing or loan transfer purposes. - Loan information: Current balances, terms, interest rates, and lender details - Actor: Stakeholder manually enters existing loan information - Outcome: Loan details recorded for refinancing or transfer processing purpose-move-loan Flow_0tpj7st ## Register Source of Equity Stakeholder provides information about equity sources for property purchase or financing. - Equity sources: Cash savings, existing property sale, gifts, or other funding sources - Actor: Stakeholder manually enters equity source details and amounts - Outcome: Equity information recorded for property purchase financing assessment purpose-purchase Flow_1n3cen2