Process EU Mortgage Document Extractor — Faster Underwriting
Loan processing requires reviewing dozens of documents per application. Manual review delays approvals and increases default risk.
Common Pain Points
- Loan processing delays cost customer satisfaction
- Missed income verification increases default rates
- Compliance gaps lead to regulatory action
- Manual stacking takes hours per application
What This Template Does
AI-powered extraction using gemini-2.5-flash. Part of 113 production-ready templates.
Capabilities
- Lending Extraction
- Eu Mortgage Processing
- Esis Analysis
- Mortgage
- Eu
Output Schema
{
"$schema": "http://json-schema.org/draft-07/schema#",
"title": "EU Mortgage Document Extraction",
"description": "Schema for extracted European mortgage document data including ESIS",
"type": "object",
"required": [
"document_type",
"country",
"lender_info",
"borrower_info",
"loan_terms"
],
"properties": {
"document_type": {
"type": "string",
"const": "eu_mortgage",
"description": "Document type"
},
"document_subtype": {
"ty
...Quick Start
See It In Action
Real extraction example showing input document and structured output.
================================================================================
EUROPEAN STANDARDISED INFORMATION SHEET (ESIS)
FICHE D'INFORMATION STANDARDISEE EUROPEENNE
================================================================================
This document was produced for: Thomas WEBER and Anna WEBER
Date of issue: 15 October 2024
This document does not constitute an offer to lend. It is based on the
information you have provided and current market conditions. The figu{
"document_type": "eu_mortgage",
"document_subtype": "esis",
"country": "DE",
"language": "English",
"currency": "EUR",
"lender_info": {
"name": "Deutsche Hypothekenbank AG",
"address": "Friedrichstrasse 125, 10117 Berlin, Germany",
"registration_number": "DE-123456789",
"supervisory_authority": "Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin)",
"contact": "+49 30 555 12345"
},
"borrower_info": {
"name": "Thomas WEBER and Anna WEBER",
"address": "Berliner Strasse 78, 10405 Berlin, Germany",
"co_borrower": {
"present": true,
"name": "Anna WEBER"
}
},
"property_info": {
"address": {
"street": "Berliner Strasse 78",
"postal_code": "10405",
"city": "Berlin",
"country": "Germany"
},
"property_type": "apartment",
"size_sqm": 95,
"year_built": 2019,
"land_registry_reference": "Grundbuch von Berlin-Prenzlauer Berg, Blatt 4567"
},
"valuation": {
"market_value": "525000.00",
"lending_value": "472500.00",
"valuation_date": "2024-10-15",
"valuation_method": "sales_comparison"
},
"loan_terms": {
"loan_amount": "420000.00",
"loan_purpose": "purchase",
"interest_rate": {
"type": "mixed",
"initial_rate": "3.85",
"fixed_period_years": 10,
"reference_rate": "3-month EURIBOR",
"margin": "1.50"
},
"aprc": "4.12",
"term_months": 300,
"start_date": "2024-12-01",
"maturity_date": "2049-12-01",
"repayment_type": "annuity"
},
"monthly_payment": {
"principal_interest": "2178.36",
"property_insurance": "35.00",
"life_insurance": "85.00",
"total": "2298.36"
},
"costs_and_fees": {
"arrangement_fee": "2100.00",
"valuation_fee": "450.00",
"notary_fees": "1260.00",
"land_registry_fees": "840.00",
"total_upfront_costs": "4650.00"
},
"esis_specific": {
"product_description": "Mortgage Loan (Hypothekendarlehen) - Fixed for 10 years, then variable",
"early_repayment": {
"allowed": true,
"penalty": "Max 1% if > 1 year remaining, 0.5% if <= 1 year remaining",
"notice_period": "3 months after fixed period"
},
"flexible_features": {
"overpayments_allowed": true,
"payment_holidays": true,
"portable": true
},
"total_amount_payable": "608432.00",
"cooling_off_period": "14 days",
"reflection_period": "14 calendar days"
},
"security": {
"mortgage_type": "grundschuld",
"mortgage_rank": "first",
"mortgage_amount": "420000.00"
},
"insurance_requirements": {
"building_insurance": true,
"life_insurance": false,
"unemployment_insurance": false
},
"country_specific": {
"de_germany": {
"beleihungsauslauf": "88.9",
"grundschuldbrief": false,
"bauspardarlehen": false
}
},
"regulatory_compliance": {
"mcd_compliant": true,
"esis_provided": true,
"affordability_assessed": true,
"reflection_period_observed": true,
"adequate_explanations": true
},
"validation": {
"all_mandatory_fields_present": true,
"aprc_calculated_correctly": true,
"terms_clear": true,
"signatures_present": false
}
}European standardised mortgage information sheet in German showing lender details and borrower information. Demonstrates extraction of EU mortgage pre-contractual information for cross-border transactions.
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Frequently Asked Questions
What documents can EU Mortgage Document Extractor process?
The EU Mortgage Document Extractor template processes lending documents including various formats and layouts. See the instructions for specific document types supported.
How accurate is the EU Mortgage Document Extractor extraction?
The EU Mortgage Document Extractor template uses Gemini 2.5 Flash for high-accuracy extraction. Results include confidence scores for each field.
Can I customize the EU Mortgage Document Extractor template?
Yes, you can modify the extraction schema, add custom fields, or adjust the instructions to match your specific requirements.
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Process your first document in under 5 minutes. No credit card required.