All loans supported by this product are originated and managed by non-bank financial institutions (NBFIs) with extensive experience in credit operations. Each underlying loan must meet the “Eligible Loan” criteria jointly established by the lending platform and partner banks. These criteria include, but are not limited to, loan-to-value ratio (LVR), borrower credit assessment, property type, and valuation standards.
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Prior to disbursement, every loan must pass a bank-grade due diligence and approval process conducted by the NBFI in collaboration with its partner bank. This process covers credit checks on the applicant, independent property valuations, income verification, and other assessments. In addition, each loan must satisfy the asset eligibility parameters and risk buffer mechanisms defined within the trust structure (Pool Parameters).
This loan structure incorporates a bank-grade RMBS trust mechanism. In the event of declining loan quality or adverse market developments, the system is designed to automatically suspend new loan issuance and initiate cash recovery procedures. This feature effectively mitigates overall portfolio risk and indirectly enhances the protection of investor capital.
