A custom build on the platform
Secured lending puts a second thing on the file: the property.
An unsecured loan has a borrower and a balance. A mortgage has a borrower, a balance, and a property whose value, title, charge and eventual discharge all have to be recorded, tracked and produced on demand.
CD Property Mortgage is built on the Covenant Desk platform with collateral as a first-class object: valuations, loan-to-value, charge registration, redemption and discharge, alongside the borrower record you already run. This is built on the Covenant Desk platform rather than switched on. It needs engineering that an unsecured personal-loan data model does not contain, so it is scoped, quoted and agreed before any work starts.
The borrower page and the property page are both real. One search reaches the borrower; the property carries its own valuations, its charges in priority order, and the discharge that eventually closes it.
Each stage below runs on the Covenant Desk platform. The result and the evidence behind it stay attached to the borrower and the loan.
Address, title particulars, tenure and existing encumbrances are held as their own object, so one property can carry a first and a second charge and the file still makes sense.
Valuations are dated records with a source, and loan-to-value is computed from them rather than typed in. When a valuation ages, the file says so.
Registration particulars are recorded against the property, and priority between a first and a second charge is explicit on the file rather than inferred from the order the loans were made.
Licensing Condition 5 requires the possible consequences of default to be explained, expressly including taking possession and sale of the property charged. That explanation is recorded, as the condition requires.
A redemption statement, the payoff, and the discharge of the charge are one sequence on the record, so a property that has been released is visibly released.
AI Copilot answers plain-language questions about your own portfolio with links back to the underlying records. AI Credit Analyst summarises a file and cites where each figure came from. Document processing reads what the borrower sent into fields your staff confirm, and email and WhatsApp intake turn enquiries into structured leads.
None of it approves anything. Every output is decision support attributed to the staff member who accepted it, and no loan is approved without a named person signing off. That boundary is the same on this product as on every other.
These are the platform plans this product line runs on. The build itself is scoped and quoted separately before any work starts, so there is no checkout button on this page — book a scoping call and we will price it against your book.
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Bring your own book to the demo and we will work through it against these questions rather than a slide.
預約示範Built for you. Collateral is a new domain object rather than a setting — valuation, loan-to-value, charge priority and discharge do not exist in an unsecured data model. It is the largest step in this range, and the demo scopes it honestly before anyone commits.
No. Licensing Condition 15 applies to the granting of unsecured personal loans only. A property-secured loan sits outside it. Conditions 1 to 5 and 13 still apply, and Condition 5 is more demanding here because the consequences of default expressly include possession and sale of the property charged.
That is much of the Hong Kong finance-company book, so yes — but it is why the property is a record rather than a field. Priority between charges on the same property has to be explicit, or a second-charge book becomes impossible to reason about.
