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Applicants for a consumer loan can be among a bank=E2=80=99s exi= sting customers or be a prospective customer who has no business relations = with the bank.
Information is already available for existing customers in the customer = management system. This includes:
This information for the loan application is read from the customer mana= gement system and enhanced or corrected as required. The customer managemen= t system contains all the data needed for obtaining information on the cred= it rating check, the budget account and the processing of the loan.
As for conditional inquiries, only the necessary master data and the fin= ancial situation of the prospective customer (voluntary disclosure) need to= be captured in order to make the interested party an offer. However, in or= der to make a loan application, the prospective customer has to become a cu= stomer by creating an entry in the customer management system and by storin= g the information and documents required (identification, income statements= ) once they have been checked.