Development of Electronic Mortgage Registration System. Role Applicant user manual Version: 1.0.0

Transcription

1 Development of Electronic Mortgage Registration System Version: Kaunas 2013

2 Error! Reference source not found. Document history Data Version Author Created document Specialist of testing and documentation Auksė Juknytė Document updated under the changes of the system. Specialist of quality assurance and documentation Raimonda Meinorienė JSC NRD Page 2 of 66

3 Error! Reference source not found. Table of contents 1. Introduction Purpose of system Purpose of document Terms of window description Requirements for browser and its parameters Requirements for document printing Language System overview Short description of the system Roles of users How to start? How to start work with system? How to get user login data? How to register new mortgage? How to find your notice? How to find mortgage information? How to register mortgage change registration? How to start receivership process? How to create receivership amendment? How to deregister mortgage? Working with system Request user name and password Login and log out User menu Search list Menu item My agenda My agenda list View and edit notice Tab Property Tab Mortgage Tab AoMA Tab Attachments Tab All info Tab Receivership Tab History Tab Messages Create new mortgage registration Delete notice Menu item My full view My full view list Menu item My mortgages My mortgages list Create new amendment Menu item My out journal My out journal list Menu item Create amendment Menu item Messages Messages list View a message Send new message Menu item Single sign-on JSC NRD Page 3 of 66

4 Error! Reference source not found. List of figures Figure 1 Conceptual design diagram Figure 2 Create new mortgage registration Figure 3 States of notice processing Figure 4 States of mortgage Figure 5 Amendments of change Figure 6 Prepare and submit notice on an amendment Figure 7 Prepare and submit notice an amendment on receivership Figure 8 Prepare and submit notice on deregistration Figure 9 Request user login window Figure 10 Login window Figure 11 Window of the systems you can choose Figure 12 System main window Figure 13 Navigation menu Figure 14 My agenda window Figure 15 Notice data window (tab Property ) Figure 16 General buttons of notice Figure 17 Common notice information Figure 18 Common notice information Figure 19 Owner (natural person ID card) (part 1) Figure 20 Owner (natural person Passport) (part 2) Figure 21 Owner (legal person) (part 3) Figure 22 Owner window (part 4) Figure 23 New spouse creating window Figure 24 Representative editing window Figure 25 Tab Mortgage Figure 26 Creditor viewing and editing window Figure 27 New creditor creating window Figure 28 New debtor creating window Figure 29 Tab AoMA Figure 30 Tab Attachments Figure 31 Attachment editing window Figure 32 Tab Receivership Figure 33 Tab History Figure 34 Tab Messages Figure 35 New notice window Figure 36 My full view window Figure 37 My mortgages window Figure 38 My mortgages notice buttons Figure 39 Amendment type window Figure 40 My Out journal window Figure 41 Selected printout window Figure 42 Searching by registration number window Figure 43 Search results window Figure 44 Amendment type window Figure 45 Messages window Figure 46 Message window Figure 47 Message creating window JSC NRD Page 4 of 66

5 Error! Reference source not found. List of tables Table 1 Abbreviations... 6 Table 2 Definitions... 6 Table 3 Terms of window description... 8 Table 4 Roles of users Table 5 of Request user login window Table 6 of login window Table 7 of My agenda window Table 8 of tabs of notice Table 9 of buttons Table 10 of Property tab Table 11 of new owner creating window Table 12 of new spouse creating window Table 13 of representative editing window Table 14 of Mortgage tab Table 15 of creditor viewing and editing window Table 16 of new creditor creating window Table 17 of new debtor creating window Table 18 of AoMA tab Table 19 of Attachments tab Table 20 of attachment editing window Table 21 of Receivership tab Table 22 of History tab Table 23 of Messages tab Table 24 of My full view window Table 25 of My mortgages window Table 26 of buttons Table 27 of amendment type window Table 28 of My Out journal window Table 29 of searching by registration number window Table 30 of search results window Table 31 of amendment type window Table 32 of Messages window Table 33 of message window Table 34 of message creating window JSC NRD Page 5 of 66

6 Error! Reference source not found. 1. INTRODUCTION 1.1. Purpose of system The Objective of this project is to equip the Office of the Registrar General (ORG) with an electronic mortgage registration system which will enable improved efficiencies in the registration process, increased security in transactions, critical system integrations and decentralization of mortgage registrations; In particular, the project is expected to: Design a system that facilitates electronic registration of mortgages, including amendments of particulars in accordance with the Mortgage law; Ensure electronic management of the procedures of lease, sale, use or acquisition of mortgages in case of default in accordance with the mortgage law and the instructions of the Registrar General; Facilitate system integration and data exchange between the ORG, Rwanda National Recourses Authority (RNRA), National ID project, National Institute of Statistics of Rwanda, financial institutions and the Credit Reference Bureau Purpose of document This document is designed for users of Mortgage Registration System new system that facilitates electronic registration of mortgages, including amendments of particulars in accordance with the Mortgage law. This document is for users that perform a role of applicant. Registering user (Applicant) can: Submit data. Require for registration of a new notice (mortgage or amendment). Search, edit, review, delete and print entered data. Table 1 Abbreviations Abbreviation AoMA BusReg emrs ID IE LAIS MRS NIDP NRD ORG RDB RWF SMS UPI Abstract of Mortgage Agreement Register of Companies, Enterprises and Business s Electronic Mortgage Registration system Identification number Microsoft Internet Explorer Land administration information system Mortgage Registration System National ID Project of the Ministry of Local Government UAB NRD, consultants company Office Registrar General Rwanda Development Board Rwanda Franks Short message service Unique parcel number Table 2 Definitions Definition Actor JSC NRD An actor is a person, organization, local process (e.g., system clock), or external system that plays a role in one or more interactions with your system. It is a system user with the assigned role in the system. Page 6 of 66

7 Error! Reference source not found. Address Agenda Assets Attachment Definition Basic registration Company code/enterprise code/id code Creditors Debtors E mail ID code for physical person In journal Information extract Information printout Information request Information service user Legal person Message Mortgage Natural person Notice ORG user Out journal Owners Payment Person Receivership Registering party Registration number A geographical location defined by a country, province, district, sector and cell. An electronic list of tasks represented in table form. of the mortgaged asset. Attachment is a document which must be submitted together with the application. The set of attachments can differ depending on the type of the registration operation. The attachment must be scanned and to the system upload as a soft copy of the submitted document. Registration of the security interest or amendment of the security interest when application is submitted in hard paper. The TIN generated and assigned to a company or enterprise by RRA as the unique identifier of companies and enterprises. The code stays the same along with the enterprise through its life-span and will not be used or re-used for any other enterprises. A notice of creditors of the mortgage. One mortgage can have several creditors in case of pari passu. A notice of debtors of the mortgage if different from the owner. Information extract send by . ID card number or passport number In journal is a notice registered in the journal. The notice is an evidence that the applicant submitted the documents and the employee of the ORG accepted it. An extract of information from the mortgage register accessible to the applicants. A verified copy (signed and sealed by the ORG) of the information printout. A request for any information from the mortgage register made by an applicant. An applicant who submitted information service user account request and was granted login data which allows to login to the information service system. A legal person is any type of the enterprise or organization. History of the messages sent to users. Mortgage information submitted with the application to ORG. A natural person is an individual. Notice is consolidated form supplied AoMA attached with the full set of documentation as required by law. A person employed in the ORG and empowered to execute a particular function (data entry clerk, verifier, registrar and accountant, etc.). Any type of the printout generated by the system. A notice of owners of the mortgage. The data on the payment made for the service. Any person legal or natural person which data is entered as a part of the notice or journal notice data. Specific information of receivership process. An applicant who submitted on-line user account request and was granted login data which allows to login to the on-line services system. Unique identification number assigned by the emrs upon one registration of a security interest. The number shall be a unique, identifying a mortgage from its registration till its termination from the emrs. JSC NRD Page 7 of 66

8 Error! Reference source not found. Definition Right Role Role right SMS State history User User account attachment User role Certain right of functionality. Certain role of the employee working at the ORG gives certain role to the user in the system: BusReg.Verifier, SecT.Registrar, emrs.receivershipofficer, etc. Rights assigned to specific role. Information extract send by SMS. History notice to log states of the notice. Information of users of front-end web portal. Attachments of request for account filled by any person and submitted to the ORG. It is filled in account request form. Roles that are assigned to users Terms of window description Table 3 Terms of window description Term Menu Value {Field} {Drop-down list} Radio button Check box [Button] Quotation-marks are used to mark menu item. of menu item will be written between the quotation-marks. Value to choose or to enter in the field will be written between two apostrophes. The parenthesis {} will be used to mark the data of the field, the name of field will be written between the parenthesis. Those parenthesis also will be used to mark the drop-down list. The user will be able to choose one value from the list. If the drop-down list is inactive, the single value will be displayed. If the dropdown list is active, the user can select one value from the list. A radio button will allow the user to choose only one value of a predefined set of options. Radio buttons will be arranged in groups of two or more circulars. Those circulars will be displayed as a list of circular holes. If the circular is selected, in the middle will be shown dot. If the circular is unselected, it will contain white space. When the user selects a radio button, any previously selected radio button in the same group becomes white spaces. Selecting a radio button can be done by clicking the mouse on the button, or the caption, or by using a keyboard shortcut. A check box will allow the user to select one or more values from the number of options. The check boxes will be shown on the screen as a square box that can contain white space (for false) or a tick mark or X (for true). The angle brackets [] will be used to mark window buttons and links, the name of button or link will be written between angle brackets Requirements for browser and its parameters The front-end of the emrs is developed considering the XHTML-1.0-Transitional Document type definition requirements to keep it as much compatible as possible with the most popular web browsers. The system will be accessible by: Microsoft Internet Explorer from version 7; Mozilla Firefox; Safari; Opera; Google Chrome; OmniWeb; JSC NRD Page 8 of 66

9 Error! Reference source not found. Netscape Navigator Requirements for document printing System generates printouts in Portable Document Format (PDF). To view printouts you need additional tool Adobe Acrobat Reader. All printouts will be generated in English language Language User manual is written in English language. JSC NRD Page 9 of 66

10 2. SYSTEM OVERVIEW 2.1. Short description of the system The system is based on the thin client and web enabled architecture. A modern technical platform is implemented as a backbone for the system operation. The system is an official and public register which enables the registration of the information required by law and makes the information available to the third parties. The conceptual design diagram briefly overviews the emrs. Figure 1 Conceptual design diagram The emrs will support only one way of submitting the application for mortgage registration. Registration through the on-line services An applicant logs in to the emrs. The system will check the logged on user identity if he (she) has all required rights to submit the application. The on-line registration starts by entering the UPI of the property to be mortgaged, which is straightaway cross checked with LAIS. If the UPI is correct, the applicant enters all required data for the abstract of mortgage agreement (AoMA). The registration number of the notary must be entered as well (A.1). Additionally the attachments if any are scanned as images and attached. The emrs performs verification of the entered data, cross checks the entered data with cooperating institutions and reports inconsistencies if any. Then AoMA is generated, printed (A.2), and signed by the creditor(s), debtor and owner of the property (in some cases). The emrs prepares and prints the payment information for the applicant: the amount of fee and possible ways to pay (A.3). Signed AoMA must be approved and signed by the notary, scanned and attached to the provided data. When registration fee is paid, the applicant enters transaction number of the JSC NRD Page 10 of 66

11 payment (A.4) and submits data for registration. If there are no inconsistencies, submitted data is registered to the on-line database. The emrs periodically checks data about done payments on payment information provider s systems through the emrs integration services (A.5). Submitted by the applicant document appears on a verifier s worksheet for the further processing. When the emrs confirms the payment is done, the verifier performs factual and legal verification (A.6) and either a) enters the recommended decision and transfers the application to the Registrar for the final decision, or b) notifies the applicant to correct the discrepancies. The Registrar decides whether a) to approve the registration, b) to notify the applicant to correct the discrepancies or c) to reject the registration (A.7). a) The Registrar approves the registration if the AoMA is found to be in accordance with the applicable legislation. The confirmation of registration is generated by the emrs and involved parties are informed. Letters about the registration will be generated if it is needed to inform cooperating institutions about the mortgage. b) The Registrar notifies the applicant to correct the discrepancies. A notification is generated by the emrs and delivered to the applicant. c) The Registrar rejects registration if the AoMA is not found to be in accordance with the applicable legislation. The rationale for the decision is noticeed into the emrs. A rejection letter is generated by the emrs and the applicant is informed. In case of major internet failure or some other similar crisis, there will be a possibility to obtain the registration and information services by the clerk at the ORG, who can submit an application for registration on behalf of the registering party. Third parties can request information from the emrs by using the information services and may also request for a verified printout, signed and sealed by the Registrar Roles of users Table 4 Roles of users Role Verifier Registrar General Receivership Officer An employee of ORG who is registered in the emrs as a verifier can: verify data provided against other registries and the law; review, search and print notices; generate and print reports on statistics; process an order for information service and print request results. An employee of ORG who is registered in the emrs as a Registrar General can: decide on the registration application and issue corresponding document (certificate, rejection letter, etc.); search, review, print the information from the register; generate and print reports on statistics; process an order for information service and print request results. An employee of ORG who is registered in the emrs as a receivership officer can: verify and manage receivership amendments; control legal timelines of the receivership process; print documents of the receivership process ("Permit to lease the property", "Notice of appointment of receiver", Permit to sale the property, Notification of approval of the selling terms and conditions, "Request for corrections of selling terms and conditions", Notification of approval of auction report, "Request for corrections of auction report", "Rejection of auction report", Certificate of ownership of the mortgage, "Permit to take possession of the property"). JSC NRD Page 11 of 66

12 Accountant Role An employee of the ORG who is registered in the emrs as accountant, can: receive, import and verify bank transcripts with the fee payment data stored in the emrs; generate and print reports on statistics. Administrator An employee of the ORG who is registered in the emrs as an administrator can: change his personal data; maintain predefined data lists; view all search windows of mortgages or notices, except agendas dedicated to specific users; view out journal; view messages; view reports; manage users; use single sign-on; edit help text. Registering party (applicant) Information services user (third party) Registering party (user) can be the creditor (secured party), the debtor or the owner of the immovable property. Registering party can access registration services online, specifically: - Submit data, required for registration of a new (mortgage) or an amendment to a previously registered mortgage. Any person interested in the information stored in the emrs can: register himself as information services user by signing an agreement with ORG; search for registered information; request for information on-line; receive requested information on-line; place an order for the verified information printout. JSC NRD Page 12 of 66

13 3. HOW TO START? 3.1. How to start work with system? If you want to start work with system, follow these actions: 1. Open you internet browser. 2. Enter the system address in the address bar and click the button [Go] in the internet browser, or button [Enter] in the keyboard. System login window appears on the screen. 3. Enter your username in the field {Username} and password in the field {Password}. 4. Click the button [Log in]. 5. Choose emrs logo and click it. Main system window appears on the screen. For more details read chapter 4.2 Login and log out. If you don`t have user login data read next chapter How to get user login data? If you don`t have user login data, follow these actions: 1. Open system login window (Figure 10). 2. Click button [Request login]. 3. Enter your data. 4. Attach file with your person identification card. 5. Click link Terms and Conditions and read it. 6. Click mark behind link Terms and Conditions. 7. Enter verification code. 8. Click button [Save]. Your request is registered in the system. When administrator will confirm your request, you will receive with your login data. For more details read chapter 4.1 Request user name and password How to register new mortgage? If you want to create new mortgage registration, follow these actions: 1. Login into system. 2. Click menu My agenda. 3. Click button [New] at the end of list. 4. Enter all data of notice, attach files. Read chapter View and edit notice for more details. 5. Print AoMA and Payment information. 6. Sign AoMA. 7. Pay for registration. 8. Enter payment transaction number. 9. Upload signed AoMA. 10. Click button [Submit]. Your registration will be registered in the system and will be processed. JSC NRD Page 13 of 66

14 3.4. How to find your notice? Figure 2 Create new mortgage registration Notice is consolidated form supplied AoMA attached with the full set of documentation as required by law. There are two list of notices: My agenda in this list you can find notices, you are preparing at this moment. Full view in this list you can find all notices you ever prepared (notices in the process and ended notices.) State of notice shows in what step of processing it is (Figure 3). Figure 3 States of notice processing JSC NRD Page 14 of 66

15 If you want to find notice, follow these actions: 1. Login into system. 1. Click menu My agenda or Full view. The list of notices will be opened. 2. Use the filter to find necessary notice. More about search in the list read in chapter Search list How to find mortgage information? If you want to find mortgage of creditor you represent, follow these actions: 1. Login into system. 2. Click menu My mortgages. The list of mortgages will be opened. 3. Use the filter to find necessary mortgage. More about search in the list read in chapter Search list. Mortgage can be in these states: Registered means mortgage is active. In receivership - means mortgage is active and receivership process is in progress. Deregistered - means mortgage is ended. Figure 4 States of mortgage 3.6. How to register mortgage change registration? If mortgage is in state Registered an amendment of change can be registered on it. There are 3 types of change amendments: Figure 5 Amendments of change JSC NRD Page 15 of 66

16 If you want to register the changes of mortgage, follow these actions: 1. Login into system. 2. Click menu My mortgages. The list of mortgages will be opened. 3. Use the filter to find necessary mortgage. 4. Click button [View] in the line of mortgage you chose. The window with mortgage information will be opened. 5. Click button [Create amendment]. 6. Select amendment type from drop-down list. For more information about this read chapter Create new amendment. 7. Click button [Create amendment]. Window of change notice will be opened. 8. Enter all data of notice, attach files. Read chapter View and edit notice for more details. 9. Print AoMA and Payment information. 10. Sign AoMA. 11. Pay for registration. 12. Enter payment transaction number. 13. Upload signed AoMA. 14. Click button [Submit]. Your registration will be registered in the system and will be processed. Figure 6 Prepare and submit notice on an amendment The second way how to create amendment is described in chapter 4.7 Menu item Create amendment How to start receivership process? Receivership process starts from approving of the notice on loan default. If you want to start receivership process, follow these actions: 1. Login into system. 2. Click menu My mortgages. The list of mortgages will be opened. 3. Use the filter to find necessary mortgage. JSC NRD Page 16 of 66

17 4. Click button [View] in the line of mortgage you chose. The window with mortgage information will be opened. 5. Click button [Start receivership]. 6. Enter data in the tab Receivership, attach files. Read chapter View and edit notice for more details. 7. Click button [Submit]. Your registration will be registered in the system and will be processed. The second way how to create amendment is described in chapter 4.7 Menu item Create amendment How to create receivership amendment? There are four types of receivership procedures: Sale of the property by auction. Creditor manages (uses) the property. Creditor leases the property. Creditor takes over the property. You can create receivership amendments of these types: Lease: Application for permit to lease manage the property. The mortgage lease agreement. Restitution of a mortgage. Sale Application for permit to sale the property. Take over Application for permit to take over the property. Manage Application for permit to manage the property. Amendment of the management plan. Management Report. Cancellation of receivership process. If you want to register receivership amendment, follow these actions: 1. Login into system. 2. Click menu My mortgages. The list of mortgages will be opened. 3. Use the filter to find necessary mortgage. 4. Click button [View] in the line of mortgage you chose. The window with mortgage information will be opened. 5. Click button [Create receivership amendment]. 6. Select amendment type from drop-down list. For more information about this read chapter Create new amendment. 7. Click button [Create amendment]. Window of change notice will be opened. 8. Enter data in the tab Receivership, attach files. Read chapter View and edit notice for more details. 9. Click button [Submit]. Your registration will be registered in the system and will be processed. JSC NRD Page 17 of 66

18 Figure 7 Prepare and submit notice an amendment on receivership The second way how to create amendment is described in chapter 4.7 Menu item Create amendment How to deregister mortgage? If you want to deregister the mortgage, follow these actions: 1. Login into system. 2. Click menu My mortgages. The list of mortgages will be opened. 3. Use the filter to find necessary mortgage. 4. Click button [View] in the line of mortgage you chose. The window with mortgage information will be opened. 5. Click button [Create amendment]. 6. Select amendment type from drop-down list. For more information about this read chapter Create new amendment. 7. Click button [Create amendment]. Window of change notice will be opened. 8. Enter all data of notice, attach files. Read chapter View and edit notice for more details. 9. Print Payment information. 10. Pay for de registration. 11. Enter payment transaction number. 12. Click button [Submit]. Your registration will be registered in the system and will be processed. JSC NRD Page 18 of 66

19 Figure 8 Prepare and submit notice on deregistration The second way how to create amendment is described in chapter 4.7 Menu item Create amendment. JSC NRD Page 19 of 66

20 4. WORKING WITH SYSTEM 4.1. Request user name and password If you don`t have user login data, follow these actions: 1. Open system login window (Figure 10). 2. Click button [Request login]. 3. Enter your data. 4. Attach file with your person identification card. 5. Click link Terms and Conditions and read it. 6. Click mark behind link Terms and Conditions. 7. Enter verification code. 8. Click [Save]. Your request is registered in the system. When administrator will confirm your request, you will receive with your login data. JSC NRD Page 20 of 66

21 Figure 9 Request user login window Table 5 of Request user login window Data block User data : {ID document}* {Document country} {ID document no}* {First name}* {Middle name} {Last name} {Creditor} {State} Select personal document type. If ID document type is ID card the field value is Rwanda and field is read only. If ID document type is Passport the field is editable and you can choose passport issued country. Enter personal identification code or passport number in this field. Enter person first name in this field. Enter person middle name in this field. Enter person last name in this field. Choose creditor from the list. This is state of request. There is value Unconfirmed in this field. Field is read only. Data block Address : {Country}* {Province}* {District}* {Sector}* {Cell} {P.O. Box} {Address line 1} {Address line 2} Select country name from drop-down list. This field is mandatory. If ID document type is ID card the field value is Rwanda and field is read only. Select province from drop-down list. This field is mandatory. Select district from drop-down list. This field is mandatory. Select sector from drop-down list. This field is mandatory. Select cell from drop-down list. Select post office box number in this field. These fields are for address not in Rwanda. You can enter address or several addresses into these fields. {Address line 3} Data block Contacts : { }* Enter address in this field. JSC NRD Page 21 of 66

22 {Phone number} {Fax number} Data block Attachments : {Attachment type} {} {File} I agree to Terms and Conditions {Verification}* Buttons: [ ] [Browse] [Upload file] [Cancel] [Save] [Back] Enter phone number in this field. Enter fax number in this field. You can select attachment type from drop-down list. This field is mandatory. Default value of this field is Copy of ID document. Enter uploaded file description in this field. File name is in this field Read Terms and Conditions and mark the checkbox. Enter code showed below the field. Click this button to view help information about the particular field. Click this button to choose the file from your computer. Click this button after you chose the file. Click this button to close attachment block. Click this button to save user login request. Click this button to close this window and go back to login window Login and log out Write the system address in the address bar and click the button [Go] in the internet browser, or button [Enter] in the keyboard. System login window appears on the screen (Figure 10). Figure 10 Login window If you want to login into the system follow these actions: 1. Enter your username in the field {Username} and password in the field {Password}. JSC NRD Page 22 of 66

23 2. Click the button [Log in]. 3. If data you entered is not valid, information message appears: Incorrect username and/or password. 4. If data you entered is valid, you are logged in. Window with multiple related functions will be opened (Figure 11). Choose and click the system you want to work (this document is designed for users of Mortgage Registration System, so click on this system logo). Figure 11 Window of the systems you can choose 5. Main system window appears on the screen (Figure 12). Figure 12 System main window 6. When actions in the system are finished, click the button [Log Out] in the right corner of the system window. You will be logged out and the login window will be opened (Figure 10). Table 6 of login window Field/Button name {Username} {Password} [Log in] [Request login] Enter your username in this field. Enter your password in this field. Data is encoded in this field, so you will see circle symbol instead of each symbol of your password. Click this button to log in the system after username and password are entered. Click this button if you don t have your username and password User menu On the right corner of the window user information is presented (Figure 12). Next to the user first and last name, username that was used to log in the system is shown. Click the logo (flag) of language you need to turn on and system s window view will be converted into selected language. There are these menu items in a main menu: My agenda; JSC NRD Page 23 of 66

24 My full view; My mortgages; My out journal; Create amendment; Messages; Personal data; Single sign-on. You can view navigation menu (Figure 13) in main system window (Figure 12). It shows the address and location of the opened active window. The names of the system object shown in blue can be used as an active links Search list Figure 13 Navigation menu You can see the list in each window of menu item (except menu items where user can change his data, write a message, etc.). Window is composed of two data blocks: Filter and List : In Filter data block searching parameters are presented. You can search for a record in this data block. In List data block user can view a list of records. If you want to search for a record, follow these actions: 1. Enter or select one or several search criteria into the given filter fields and click [Filter]. 2. Records that match selected search criteria will be presented in the list. If there are entered several search criteria, system searches for the record that matches all of them. 3. You can select a particular record for actions (view, edit, delete) when the list is shown. 4. Use button [All] to clear filter fields and to load a complete list of all the notices. The list is divided into pages with 20 records in each if the amount of records is not fitting into one page Menu item My agenda My agenda list User agenda not submitted notices list. You can see notices of states "Saved" and "To supplement" that were created by you or your credit institution in My agenda list. Registration process can be opened for the data entry, correcting, deleting and reviewing. If you want to view agenda list follow these actions: 1. Move your mouse indicator over My agenda menu item and click. Filter data block and My registrations list will be opened (Figure 14). 2. You can filter list and find required notice. More information about the filter and list data blocks you can find in chapter. JSC NRD Page 24 of 66

25 Figure 14 My agenda window Table 7 of My agenda window Data block Filter : {Notice ID} Enter notice identification code in this field. {Journal number} Enter journal number in this field. {Journal date} Select Journal date in this field. {Registration number} Enter registration number in this field. It is possible to search by part of number. {Property title} Enter Property title in this field. {UPI} Enter unique parcel number in this field. {Creditor} Enter creditor s name in this field. It is possible to search by part of name. {Debtor} Enter debtor s name in this field. It is possible to search by part of name. {Owner} Enter owner s name in this field. It is possible to search by part of name. {Document type} Select document type from drop-down list. {State} Select notice state from drop-down list. Data block My registrations : {ID} Identification code of notice is presented in this column. {Journal number} Journal number of a document registration is presented in this column. {Journal date} Journal date is presented in this column. {Registration number} Registration number is presented in this column. {Property title} Property title is presented in this column. {UPI} Unique parcel number is presented in this column. {Debtor} Debtor is presented in this column. {Owner} Owner is presented in this column. {Creditor} Creditor is presented in this column. {Document type} Document type is presented in this column. JSC NRD Page 25 of 66

26 {State} Buttons: [Filter] [All] [Export to CVS] [ ] State of registration is presented in this column. Click this button to find the notice that matches filter criteria. Notices will be presented in the list. Click this button to view all notices. Click this button to export list to Excel file. Click this button to view help information about the particular field. [ ] Click this button and calendar window will be shown. You can select the date. [View] [Delete] [New] Click this button to view details of notice or continue registration. More information how to view or edit notice you can find in chapter. Click this button to delete a notice. More information how to delete notice you can find in chapter. Click this button to create new notice. More information how to create new notice you can find in chapter. [1..2] In the bottom of the list navigation buttons are presented. Click on the number to view other page View and edit notice If you want to view or edit notice, follow these actions: 1. Move your mouse indicator over menu item (it depends on types of notices you want to view) and click. 2. You can filter list and find required notice. More information about the filter and list data blocks you can find in chapter. 3. Click the button [View] on the notice you need to view. Document data window will be opened (Figure 15). In the opened document you can see separated tabs Property, Mortgage, AoMA, Attachments, All info, Receivership History and Messages. JSC NRD Page 26 of 66

27 Figure 15 Notice data window (tab Property ) Remark: Visibility of data blocks, tabs, fields, buttons and possibility to edit data fields differs depending on notice type and state. Once a notice has been open for an editing, the notice will be locked. Locking of the notice means that other users won't be able to modify notice until the notice will be closed by the locked user. Table 8 of tabs of notice Property This tab is for information about property. There are these data blocks in it: Property details about property form LAIS. Value of the property value of property. Property evaluation details about valuator of property. Owners details about owner(s) of property Spouses/ family members details about spouse(s) and other family members of owners if any. JSC NRD Page 27 of 66

28 Mortgage AoMA Attachments All info Receivership History Messages This tab is for information about mortgage. There are these data blocks in it: Amount of the loan - amount of the loan. Secured amount - secured amount. Creditors details about creditor(s). Debtors details about debtor(s). Transfer details of transfer. Deregistration reason reason of deregistration. Decision details of decision. This tab is for information about mortgage. There are these data blocks in it: AoMA other details of mortgage and AoMA. Details - other details of mortgage. In this tab you can attach or view attached files. In this tab you can review all data blocks of notice in read only mode. This tab is for information about receivership. Fields in this data block depends on receivership amendment type. This block is visible if amendment it is receivership amendment. In this tab you can see history of notice. When it was created, submitted and etc. In this tab you can write a message for ORG officers, or read received messages. There is buttons under data blocks. Detailed buttons description you can find in Figure 16. Visibility of buttons depends on notice type and state. Figure 16 General buttons of notice Table 9 of buttons [Save] [Print AoMA] [Upload signed AoMA] [Print Payment info] [Submit] Click this button to save a notice. Validation rules will be checked also. Click this button to print an abstract of mortgage agreement. Click this button to upload signed abstract of mortgage agreement. Tab Attachments will be opened. Click this button to print information for payment. Click this button to submit a notice. Validation rules will be checked. Then the journal record of notice will be created in the system. ORG officers can review your notice and make decision. JSC NRD Page 28 of 66

29 [Create Amendment] Click this button to create amendments of: Change of particular, Transfer of mortgage, Pari-passu, Deregistration, Deregistration after sale. [Start receivership] [Create Receivership Amendment] Click this button to start receivership. Amendment Receivership: Default notice regarding loan default will be created. Click this button to create other receivership amendments: Application for permit to lease manage the property. The mortgage lease agreement. Restitution of a mortgage. Application for permit to sale the property. Application for permit to take over the property. Application for permit to manage the property. Amendment of the management plan and appointment of receiver. Management Report. Cancellation of receivership process. When you open selected notice, you can view common information (Figure 17). This data is read only: In-Journal number Notice identification number. Notice status. Registration Number. If a notice has been sent to supplement you will see an alert with information what you have to correct Tab Property Figure 17 Common notice information In tab Property (Figure 18) you can view, enter or edit information about the property. Detailed description of this tab you can find in Table 10. Remark: Possibility to edit data fields differs depending on notice type and state. If you want to enter or edit property data, follow these actions: 1. Enter UPI code into field {Search by UPI code} and click [Search]. Data blocks Property and Owners will be filled with data form LAIS. 2. Ender data to the data block Value of the property. 3. Ender data to the data block Property evaluation. 4. To enter/edit owners address, contacts or representative click [View] next to owner`s data. 5. To create spouse record click [New] in data block Spouses/ family members. 6. To delete spouse record click [Delete] next to spouse`s data. 7. To enter/ edit spouse data click [View] next to spouse`s data. 8. Click [Save]. JSC NRD Page 29 of 66

30 Figure 18 Common notice information Table 10 of Property tab Data block Property : {Search by UPI code} {Unique parcel identification (UPI)*} {Property type} {Property title number} {Property title} {Address} { of the property} [Search] [ ] Enter unique parcel identification number (UPI) in this field and click [Search]. Other fields of block and owners data will be fill from LAIS This field is mandatory. View Unique parcel identification code in this field. Field is read only. View Property type in this field. Field is read only. View Property title number in this field. Field is read only. View Property title in this field. Field is read only. View Address in this field. Field is read only. View of the property in this field. Field is read only. Click this button to search property data by UPI in LAIS. Click this button to view help information about the particular field. [ ] Click this button and calendar window will be shown. You can select the date. Data block Value of the property : JSC NRD Page 30 of 66

31 {Value of the property} {Value of the property} (currency) {Value of the property in words} Data block Property evaluation : {Evaluator s name} {Date of the evaluation of the property} Data block Owners : {Address} {Code} { } {Fax} {} {Phone} {Web site} [View] Data block Spouses/ family members : {Address} {Code} { } {Fax} {} {Phone} {Web site} Enter value of the property in this field. This field is mandatory. Default value of this field is RWF. Field is editable. You can select another currency. This field is mandatory. Field will be filled after you enter value of the property Select evaluator s name from drop-down list. This field is mandatory. Enter or select date of the evaluation of the property in this field. Address of owner is presented in this column. Code of owner is presented in this column. of owner is presented in this column. Fax of owner is presented in this column. of owner is presented in this column. Phone of owner is presented in this column. Web site of owner is presented in this column. Click this button to view or edit owner data. Owner data window will be opened. Enter information into the fields and click [Save]. Detailed description of this window (Figure 22) you can find in chapter. Address of spouse is presented in this column Code of spouse is presented in this column. of spouse is presented in this column. Fax of spouse is presented in this column. of spouse is presented in this column. Phone of spouse is presented in this column. Web site of spouse is presented in this column. { } You can choose spouse and select this checkbox by mouse clicking. You can select one or more spouses. [New] [Delete selected] [View] [Delete] Enter/ edit owner data Click this button to create new spouse. Spouse data window will be opened. Enter information into the fields and click [Save]. Detailed description of this window (Figure 23) you can find in chapter. Click this button to delete selected spouses. Click this button to view or edit spouse data. Spouse data window will be opened. Enter information into the fields and click [Save]. Detailed description of this window (Figure 23) you can find in chapter. Click this button to delete spouse. An alert message will be shown. Click [OK] if you are sure you want to delete selected notice. If you re not sure click [Cancel]. If you want to enter/ edit owner`s address, contacts or representative, follow these actions: 1. Open a selected notice (more information about this action you can find in chapter). JSC NRD Page 31 of 66

32 1. Select Property tab and click [View] in the data block Owners next to owner`s data. Remarks: data should be loaded from LAIS by UPI. 2. Enter/ edit address in data block Address ( of the fields you can find in Table 11). 3. Enter/ edit contacts in data block Contacts ( of the fields you can find in Table 11). 4. To enter/ edit representative data click [Edit] in data block Representative. More details in chapter. 5. Click [Save]. 6. Click [Back]. You will be returned to notice registration window. Which fields you can see in owner window depends on the type of person (natural, legal) or type of personal document (passport, ID card). Below you can see the different view of the window. Figure 19 Owner (natural person ID card) (part 1) JSC NRD Page 32 of 66

33 Figure 20 Owner (natural person Passport) (part 2) Figure 21 Owner (legal person) (part 3) JSC NRD Page 33 of 66

34 Data block Person : {Person type} Data block Natural person : {Personal document type} {Personal identification code} {First name} {Middle name} {Last name} {Personal document issued in country} {Date of expiration personal ID/Passport/Resident} {Date of issuance of personal document} {Place of issuance of personal document} {Personal document number} Figure 22 Owner window (part 4) View person type. View personal document type. Table 11 of new owner creating window View personal identification code in this field. Field is shown if personal document type is ID card. View person first name in this field. View person middle name in this field. View person last name in this field. View country from drop-down list. Field is shown if personal document type is Passport. View date of expiration of document. Field is shown if personal document type is Passport. View date of issuance of personal document. Field is shown if personal document type is Passport. View place name where document was issued. Field is shown if personal document type is Passport. View personal document number. Field is shown if personal document type is Passport. JSC NRD Page 34 of 66

35 {Country of birth} {Date of birth} {Gender} {Marital status} Data block Legal person : {Legal person code} {Legal Person Type's :} {Legal person name} {Legal person registration date} {Registration number} Data block Address : {Country*} {Province} {District} {Sector} {Cell} {P.O. Box} {Address line 1} {Address line 2} {Address line 3} Data block Contacts : { address} {Fax number} {Phone number} {Web site address} Data block Representative : {} {Personal document type} {Personal document code} {Address} {Position of representing person} Buttons: [Edit] [Save] [Back] [ ] View country of birth. View date of birth. View gender. View marital status. View legal person code. View type of legal person. View name of legal person. View legal person registration date. View registration number of legal person. Select country name from drop-down list. This field is mandatory. Select province from drop-down list. Select district from drop-down list. Select sector from drop-down list. Select cell from drop-down list. Select post office box number in this field. These fields are for address not in Rwanda. You can enter address or several addresses into these fields. Enter address in this field. Enter fax number in this field. Enter phone number in this field. Enter web site address in this field. View representative name in this field. View personal Document type in this field. View personal document code in this field. View representative address in this field. Enter information of position of representing person in this field. Click this button to edit a representative information. Editing window will be opened. Enter information into the fields and click [Save]. Detailed description of this window (Figure 24) you can find in chapter. Click this button to save data. Click this button to close window. Click this button to view help information about the particular field. JSC NRD Page 35 of 66

36 [ ] Click this button and calendar window will be shown. You can select the date Create new spouse or other family member If you want to enter/ edit spouse`s data, follow these actions: 1. Open a spouse data window. 2. To enter spouse data, select person from owners list. 3. Select personal Document type from drop-down list. If ID card is selected, enter Personal identification code and click [Search]. Fields of data block Natural person will be filled. If Passport is selected, fill data block Natural person. 4. Enter/ edit data to the data blocks Address and Contacts. 5. Click [Save]. 6. Click [Back]. You will be returned to notice registration window. Which fields you can see in new spouse creating window depends on the type of personal document. JSC NRD Page 36 of 66

37 {Select owner} Data block Natural person : {Personal Document type} {Personal identification code} {First name} {Middle name} {Last name} Figure 23 New spouse creating window Table 12 of new spouse creating window To enter spouse data, select person from owners list. Select personal Document type from drop-down list. Enter person identification code and click [Search]. Field is shown if personal document type is ID card. Enter person first name in this field. Enter person middle name in this field. Enter person last name in this field. JSC NRD Page 37 of 66

38 {Personal document issued in country} {Date of expiration personal ID/Passport/Resident} {Date of issuance of personal document} {Place of issuance of personal document} {Personal document number} {Country of birth} {Date of birth} {Gender} {Marital status} Data block Address : {Country} {Province} {District} {Sector} {Cell} {P.O. Box} {Address line 1} {Address line 2} {Address line 3} Data block Contacts : { address} {Fax number} {Phone number} {Web site address} Buttons: [Save] [Back] [ ] Select country from drop-down list. Enter date of expiration of document. Enter date of issuance of personal document. Enter place name where document was issued. Enter personal document number. Select country of birth from drop-down list. Select date of birth from drop-down list. Choose gender and select radio button next to this field. Choose marital status and select radio button next to this field. Select country name from drop-down list. This field is mandatory. Select province from drop-down list. Select district from drop-down list. Select sector from drop-down list. Select cell from drop-down list. Enter post office box number in this field. These fields are for address not in Rwanda. You can enter address or several addresses into these fields. Enter address in this field. Enter fax number in this field. Enter phone number in this field. Enter web site address in this field. Click this button to save address editing information. Click this button to close window. Click this button to view help information about the particular field. [ ] Click this button and calendar window will be shown. You can select the date Edit representative If you want to edit representative, follow these actions: 1. Open Representative window. 2. Enter Personal identification code and click [Search]. Fields of data block Natural person will be filled. 3. Enter/ edit data to the data blocks Address and Contacts. 4. Click [Save]. JSC NRD Page 38 of 66

39 5. Click [Back]. You will be returned to notice registration window. Data block Natural person : {Personal Document type} {Personal identification code} {First name} {Middle name} {Last name} {Personal document issued in country} Figure 24 Representative editing window Table 13 of representative editing window Select personal Document type from drop-down list. Enter person identification code and click [Search]. Field is shown if personal document type is ID card. Enter person first name in this field. Enter person middle name in this field. Enter person last name in this field. Select country from drop-down list. Field is shown if personal document type is Passport. JSC NRD Page 39 of 66

40 {Date of expiration personal ID/Passport/Resident} {Date of issuance of personal document} {Place of issuance of personal document} {Personal document number} {Country of birth} {Date of birth} {Gender} {Marital status} Data block Address : {Country*} {Province} {District} {Sector} {Cell} {P.O. Box} {Address line 1} {Address line 2} {Address line 3} Data block Contacts : { address} {Fax number} {Phone number} {Web site address} Buttons: [Save] [Back] [ ] Enter date of expiration of document. Field is shown if personal document type is Passport. Enter date of issuance of personal document. Field is shown if personal document type is Passport. Enter place name where document was issued. Field is shown if personal document type is Passport. Enter personal document number. Field is shown if personal document type is Passport. Select country of birth from drop-down list. Select date of birth from drop-down list. Choose gender and select radio button next to this field. Choose marital status and select radio button next to this field. Select country name from drop-down list. This field is mandatory. Select province from drop-down list. Select district from drop-down list. Select sector from drop-down list. Select cell from drop-down list. Select post office box number in this field. These fields are for address not in Rwanda. You can enter address or several addresses into these fields. Enter address in this field. Enter fax number in this field. Enter phone number in this field. Enter web site address in this field. Click this button to save address editing information. Click this button to close window. Click this button to view help information about the particular field. [ ] Click this button and calendar window will be shown. You can select the date Tab Mortgage In tab Mortgage (Figure 25) you can view or edit mortgage information. Detailed description of this tab you can find in Table 14. Remark: Possibility to edit data fields differs depending on notice type and state. If you want to enter or edit mortgage data, follow these actions: 1. Ender data to the data block Amount of the loan. 2. Ender data to the data block Secured amount. 3. To create creditor record click [New] in data block Creditor. 4. To delete creditor record click [Delete] next to creditor `s data. JSC NRD Page 40 of 66

41 5. To enter/ edit creditor data click [View] next to creditor `s data. 6. To create debtor record click [New] in data block Debtors. 7. To delete debtor record click [Delete] next to debtor`s data. 8. To enter/ edit debtor data click [View] next to debtor`s data. 9. Click [Save]. Data block Amount of the loan : {Amount of the loan} {Amount of the loan} (currency) {Amount of the loan in words} Data block Secured amount : {Secured amount} {Secured amount} (currency) {Secured amount in words} Data block Creditor : {Address} {Code} { } {Fax} {} {Phone} {Web site} Figure 25 Tab Mortgage Table 14 of Mortgage tab Enter amount of the loan in this field. This field is mandatory. Default value of this field is RWF. Field is editable. You can select another currency. This field is mandatory. Field will be filled after you enter value of the property Enter secured amount in this field. This field is mandatory. Default value of this field is RWF. Field is editable. You can select another currency. This field is mandatory. Field will be filled after you enter value of the property Address of creditor is presented in this column. Code of creditor is presented in this column. of creditor is presented in this column. Fax of creditor is presented in this column. of creditor is presented in this column. Phone of creditor is presented in this column. Web site of owner is presented in this column. { } You can choose creditor and select this checkbox by mouse clicking. You can select one or more creditors. JSC NRD Page 41 of 66

42 [New] [Delete selected] [View] [Delete] Data block Debtors : {Address} {Code} { } {Fax} {} {Phone} {Web site} Click this button to create new creditor. Creditor data window will be opened. Enter information into the fields and click [Save]. Detailed description of this window (Figure 27) you can find in Table 16 chapter. Click this button to delete selected creditors. Click this button to view or edit creditor data. Creditor data window will be opened. Enter information into the fields and click [Save]. Detailed description of this window (Figure 26) you can find in chapter. Click this button to delete creditor. An alert message will be shown. Click [OK] if you are sure you want to delete selected notice. If you re not sure click [Cancel]. Address of debtor is presented in this column. Code of debtor is presented in this column. of debtor is presented in this column. Fax of debtor is presented in this column. of debtor is presented in this column. Phone of debtor is presented in this column. Web site of debtor is presented in this column. { } You can choose debtor and select this checkbox by mouse clicking. You can select one or more debtors. [New] [Delete selected] [Copy] [View] [Delete] Data block Transfer : {Transfer agreement date} {Transfer agreement number} Buttons: [ ] View and edit creditor Click this button to create new debtor. Debtor data window will be opened. Enter information into the fields and click [Save]. Detailed description of this window (Figure 28) you can find in chapter Click this button to delete selected debtors. If you want to view creditor data, follow these actions: This button is to copy owner to debtor list. Select owner in the field behind button and click this button Click this button to view or edit debtor data. Debtor data window will be opened. Enter information into the fields and click [Save]. Detailed description of this window (Figure 28) you can find in chapter. Click this button to delete debtor. An alert message will be shown. Click [OK] if you are sure you want to delete selected notice. If you re not sure click [Cancel]. Select the date of transfer in this field. This field is visible if it is amendment Transfer of mortgage. Enter Transfer agreement number in to this field. This field is visible if it is amendment Transfer of mortgage. Click this button to view help information about the particular field. 1. Open a selected notice (more information about this action you can find in chapter). 2. Select Mortgage tab and click the button [View] next the creditor data. 3. View information. of the fields you can find in Table 15. JSC NRD Page 42 of 66

43 Data block Natural person : {Personal document type} {Personal identification code} {First name} {Middle name} {Last name} {Personal document issued in country} {Date of expiration personal ID/Passport/Resident} Figure 26 Creditor viewing and editing window Table 15 of creditor viewing and editing window View personal document type. View personal identification code in this field. Field is shown if personal document type is ID card. View person first name in this field. View person middle name in this field. View person last name in this field. View country from drop-down list. Field is shown if personal document type is Passport. View date of expiration of document. Field is shown if personal document type is Passport. JSC NRD Page 43 of 66

44 {Date of issuance of personal document} {Place of issuance of personal document} {Personal document number} {Country of birth} {Date of birth} {Gender} {Marital status} Data block Legal person : {Legal person code} {Legal Person Type's :} {Legal person name} {Legal person registration date} {Registration number} Data block Address : {Country*} {Province} {District} {Sector} {Cell} {P.O. Box} {Address line 1} {Address line 2} {Address line 3} Data block Contacts : { address} {Fax number} {Phone number} {Web site address} Data block Representative : {} {Personal document type} {Personal document code} {Address} {Position of representing person} Buttons: View date of issuance of personal document. Field is shown if personal document type is Passport. View place name where document was issued. Field is shown if personal document type is Passport. View personal document number. Field is shown if personal document type is Passport. View country of birth. View date of birth. View gender. View marital status. View legal person code. View type of legal person. View name of legal person. View legal person registration date. View registration number of legal person. Select country name from drop-down list. This field is mandatory. Select province from drop-down list. Select district from drop-down list. Select sector from drop-down list. Select cell from drop-down list. Select post office box number in this field. These fields are for address not in Rwanda. You can enter address or several addresses into these fields. Enter address in this field. Enter fax number in this field. Enter phone number in this field. Enter web site address in this field. View representative name in this field. View personal Document type in this field. View personal document code in this field. View representative address in this field. Enter information of position of representing person in this field. JSC NRD Page 44 of 66

45 [Back] [ ] Click this button to close window. Click this button to view help information about the particular field Create new creditor If you want to create new creditor, follow these actions: 1. Open a selected notice (more information about this action you can find in chapter). 2. Select Mortgage tab and click [New] in the data block Creditors. 3. Enter search criteria in the block Filter and click [Filter]. 4. Click [Choose] next the creditor name. Window will be closed. Creditors record will be inserted into the notice data block Creditors. Figure 27 New creditor creating window Table 16 of new creditor creating window Data block Filter : {Creditor Code} {Creditor } Data block Creditors : {Code} Enter creditor code in this field. Enter creditor s name in this field. It is possible to search by part of name. Identification code of creditor is presented in this column. JSC NRD Page 45 of 66

46 {} Buttons: [Filter] [All] [Close] [ ] of creditor is presented in this column. Click this button to find the creditors that matches filter criteria. Creditors will be presented in the list. Click this button to view all creditors. Click this button to close window. Click this button to view help information about the particular field. [1..2] In the bottom of the list navigation buttons are presented. Click on the number to view other page Create new debtor If you want to create new debtor, follow these actions: 1. Open a selected notice (more information about this action you can find in chapter). 2. Select Mortgage tab and click [New] in the data block Debtors. 3. Select personal Document type from drop-down list. If ID card is selected, enter Personal identification code and click [Search]. Fields of data block Natural person will be filled. If Passport is selected, fill data block Natural person. 4. Enter/ edit data to the data blocks Address and Contacts. 5. To enter/ edit representative data click [Edit] in data block Representative. More details in chapter. 6. Click [Save]. 7. Click [Back]. You will be returned to notice registration window. JSC NRD Page 46 of 66

47 Data block Person : {Person type} Data block Natural person : {Personal Document type} {Personal identification code} {First name} {Middle name} {Last name} Figure 28 New debtor creating window Table 17 of new debtor creating window Choose personal type and select radio button next to this field. Select personal Document type from drop-down list. Enter person identification code and click [Search]. Field is shown if personal document type is ID card. Enter person first name in this field. Enter person middle name in this field. Enter person last name in this field. JSC NRD Page 47 of 66

48 {Personal document issued in country} {Date of expiration personal ID/Passport/Resident} {Date of issuance of personal document} {Place of issuance of personal document} {Personal document number} {Country of birth} {Date of birth} {Gender} {Marital status} Data block Legal person : {Search by legal persons code} {Legal person code} {Legal Person Type's :} {Legal person name} {Legal person registration date} {Registration number} Data block Address : {Country} {Province} {District} {Sector} {Cell} {P.O. Box} {Address line 1} {Address line 2} {Address line 3} Data block Contacts : { address} {Fax number} {Phone number} {Web site address} Data block Representative : {} {Personal document type} Select country from drop-down list. Field is shown if personal document type is Passport. Enter date of expiration of document. Field is shown if personal document type is Passport. Enter date of issuance of personal document. Field is shown if personal document type is Passport. Enter place name where document was issued. Field is shown if personal document type is Passport. Enter personal document number. Field is shown if personal document type is Passport. Select country of birth from drop-down list. Select date of birth from drop-down list. Choose gender and select radio button next to this field. Choose marital status and select radio button next to this field. Enter code of legal person and click [Search]. Data will be loaded from Business Registration Register (BusReg). View legal person code. View type of legal person. View name of legal person. View legal person registration date. View registration number of legal person. Select country name from drop-down list. This field is mandatory. Select province from drop-down list. Select district from drop-down list. Select sector from drop-down list. Select cell from drop-down list. Enter post office box number in this field. These fields are for address not in Rwanda. You can enter address or several addresses into these fields. Enter address in this field. Enter fax number in this field. Enter phone number in this field. Enter web site address in this field. View representative name in this field. View personal Document type in this field. JSC NRD Page 48 of 66

49 {Personal document code} {Address} {Position of representing person} Buttons: [Edit] [Save] [Back] [ ] View personal document code in this field. View representative address in this field. Enter information of position of representing person in this field. Click this button to edit a representative information. Editing window will be opened. Enter information into the fields and click [Save]. Detailed description of this window (Figure 24) you can find in chapter. Click this button to save editing information. Click this button to close window. Click this button to view help information about the particular field. [ ] Click this button and calendar window will be shown. You can select the date View and edit debtor If you want to view/ debtor data, follow these actions: 1. Open a selected notice (more information about this action you can find in chapter). 2. Select Mortgage tab and click the button [View] next the debtor data. 3. View/ edit information. of the fields you can find in Table Tab AoMA In tab AoMA (Figure 29) you can view or edit abstract of mortgage agreement information. Detailed description of this tab you can find in Table 18. Remark: Possibility to edit data fields differs depending on notice type and state. Figure 29 Tab AoMA JSC NRD Page 49 of 66

50 Data block AoMA : {Termination date} {Default procedure} {Notary registration number} {Date when AoMA was signed} {Place where AoMA was signed} {Number of copies of AoMA} {Other information} Data block Details : {Payment transaction number} {Mortgage purpose} {Initiator}* Buttons: [ ] Table 18 of AoMA tab Enter or select date from the calendar in this field. Select the default procedure for receivership in this field. Enter notary registration number in this field. Enter or select date from the calendar in this field. Enter place where AoMA was signed in this field. Enter number of copies of AoMA in this field. Enter other information in this field. Enter payment transaction number in this field. Select purpose name from drop-down list. This field is mandatory. Select initiator from drop-down list. Click this button to view help information about the particular field. [ ] Click this button and calendar window will be shown. You can select the date you want Tab Attachments In tab Attachments (Figure 30) you can view or upload a file. Detailed description of this tab you can find in Table 19. If you want to upload a file, follow these actions: 1. Open a selected notice (more information about this action you can find in chapter). 2. Select Attachments tab and click [Upload a file]. 3. Choose file to upload. 4. Use others buttons (Table 19) to edit uploaded file. JSC NRD Page 50 of 66

51 Figure 30 Tab Attachments Table 19 of Attachments tab Click this button to zoom in an attachment. Click this button to zoom out an attachment. Click this button to resize an attachment. Click this button to change an attachment scale. Click this button to rotate clockwise an attachment. Click this button to rotate counter clockwise an attachment. Click this button to rotate an attachment 180. Click this button to print an attachment. [Upload a file] Click this pencil image to edit uploaded attachment. More information about this action you can find in chapter Click this cross image to delete uploaded attachment. Alert window will be opened. Click [OK] if you re sure you want to delete selected attachment. Click this button to upload a file. JSC NRD Page 51 of 66

52 Edit uploaded attachment If you want to edit attachment, follow these actions: 1. Move your mouse over attachment link. Click the pencil image in Attachments window (Figure 30). 2. Attachments editing window will be opened (Figure 31). Detailed description of this window you can find in Table 20. Figure 31 Attachment editing window Table 20 of attachment editing window {ID} {Attachment file name} {Attachment name*} {File size} {Attachment type} {Sequence number} {} [Save] [Close] [ ] Attachment ID is presented in this field. Attachment file name is presented in this field. Attachment name is presented in this field. You can change name of uploaded file. This field is mandatory. File size is presented in this field. Max allowed file size: 2MB. Allowed file types: jpg, jpeg, gif, tiff, tif, png, pdf. You can select attachment type from drop-down list. This field is mandatory. Default value of this field is Others. Enter sequence number in this field if you want to change sequence of files in window Figure 30. Enter uploaded file description in this field. Click this button to save changes. Click this button to close attachment editing window without saving. Click this button to view help information about the particular field Tab All info In tab All info you can view all the data blocks of all tabs. of these tabs you can find in chapter. JSC NRD Page 52 of 66

53 Tab Receivership This tab is for information about receivership. Fields in this data block depends on receivership amendment type. This block is visible if it is receivership amendment. Detailed description of this tab you can find in Table 21. Figure 32 Tab Receivership Table 21 of Receivership tab Data block Receivership : {Request letter date} {Selling terms and conditions submit date} {Possession date after sale} {Sell winning bidder} {Receiver} {Receiver appointment letter date} {Receiver duty termination date}} {Auction report submission date} {Auction date} {Auction tax 1} {Auction tax 2} {Auction tax 3} {Auction tax 4} {Auction tax 5} {Auction tax total} {Note} {Date of management} {Reporting schedule of the receiver} {Payment modalities} {Start date of leasing} {Terminal note} Buttons: Enter or select date from the calendar in this field. Enter or select date from the calendar in this field. Enter or select date from the calendar in this field. Enter sell winning bidder in this field. Select Receiver in this field. Enter or select date from the calendar in this field. Enter or select date from the calendar in this field. Enter or select date from the calendar in this field. Enter or select date from the calendar in this field. Enter tax in this field. Enter tax in this field. Enter tax in this field. Enter tax in this field. Enter tax in this field. Enter total tax in this field. Enter note in this field. Enter or select date from the calendar in this field. Enter Reporting schedule of the receiver in this field. Enter Payment modalities in this field. Enter or select date from the calendar in this field. Enter note in this field. JSC NRD Page 53 of 66

54 [ ] Click this button to view help information about the particular field. [ ] Click this button and calendar window will be shown. You can select the date you want Tab History In tab History (Figure 33) you can find information about the notices registrations. Detailed description of this tab you can find in Table 22. Figure 33 Tab History Table 22 of History tab {State date and time} {State} {Full name} State date and time when state was set up are presented in this column. State is presented in this column. Full name of user who changed the state is presented in this column Tab Messages In tab Messages you can send the messages. Detailed description of this tab you can find in Table 23. If you want to send a message, follow these actions: 1. Open a selected notice (more information about this action you can find in chapter). 2. Select Messages tab. Message data block will be opened (Figure 34). 3. Fill the fields and click [Send]. Figure 34 Tab Messages Table 23 of Messages tab {Receiver} {Subject of the message*} {Body of the message*} Choose receivers of your message by the role. Enter subject of the message in this field. Enter body of the message in this field. JSC NRD Page 54 of 66

55 Buttons: [ ] [Send] Click this button to view help information about the particular field. Click this button to send a message Create new mortgage registration To create new mortgage registration My agenda window (Figure 14) must be opened. If you want to create new notice follow these actions: 1. Click [New] in the list of My registrations in My Agenda window (Figure 14). 2. A form for a new notice data entering will be loaded (Figure 35). 3. Enter UPI code into field {Search by UPI code} and click [Search]. Data blocks Property and Owners will be filled with data form LAIS. 4. Fill the fields. More information about all the fields, data blocks and tabs of this window you can find in chapter. 5. Click [Save]. Remarks: How to create amendment you can find in and 4.7 chapters Delete notice Figure 35 New notice window My agenda window (Figure 14) must be opened if you want to delete notice from agenda. If you want to delete new notice, follow these actions: 1. Click the button [Delete] on the notice you need to delete. JSC NRD Page 55 of 66

56 2. An alert message will be shown. Click [OK] if you are sure you want to delete selected notice. If you re not sure click [Cancel] Menu item My full view My full view list In the My full view list you can see these notices that were created by you or your credit institution. If you want to view My full view list follow these actions: 1. Move your mouse indicator over My full view menu item and click. Filter data block and My registrations list will be opened (Figure 36). 2. You can filter list and find required notice. More information about the filter and list data blocks you can find in chapter. Figure 36 My full view window Table 24 of My full view window Data block Filter : {Notice ID} {Journal number} Enter notice identification code in this field. Enter journal number in this field. JSC NRD Page 56 of 66

57 {Journal date} {Registration number} {Property title} {UPI} {Creditor} {Debtor} {Owner} {Document type} {State} Data block My registrations : {ID} {Journal number} {Journal date} {Registration number} {Property title} {UPI} {Debtor} {Owner} {Creditor} {Document type} {State} Buttons: [Filter] [All] [Export to CVS] [ ] Select Journal date in this field. Enter registration number in this field. It is possible to search by part of number. Enter Property title in this field. Enter unique parcel number in this field. Enter creditor s name in this field. It is possible to search by part of name. Enter debtor s name in this field. It is possible to search by part of name. Enter owner s name in this field. It is possible to search by part of name. Select document type from drop-down list. Select notice state from drop-down list. Identification code of notice is presented in this column. Journal number of a document registration is presented in this column. Journal date is presented in this column. Registration number is presented in this column. Property title is presented in this column. Unique parcel number is presented in this column. Debtor is presented in this column. Owner is presented in this column. Creditor is presented in this column. Document type is presented in this column. State of registration is presented in this column. Click this button to find a notice that matches filter criteria. Notices will be presented in the list. Click this button to view all notices. Click this button to export list to Excel file. Click this button to view help information about the particular field. [ ] Click this button and calendar window will be shown. You can select the date. [View] [Delete] [1][2] 4.5. Menu item My mortgages My mortgages list Click this button to view details of notice or continue registration. More information how to view or edit notice you can find in chapter. Click this button to delete a notice. More information how to delete notice you can find in chapter. In the bottom of the list navigation buttons are presented. Click on the number to view other page. In the My mortgages list you can view a list of mortgages. Applicant can see just these mortgages where he is involved as creditor, debtor, owner. From this list new amendment can be initiated. More information how to create amendment you can find in chapter. If you want to view My mortgages list follow these actions: JSC NRD Page 57 of 66

58 1. Move your mouse indicator over My mortgages menu item and click. Filter data block and List will be opened (Figure 37). 2. You can filter list and find required notice. More information about the filter and list data blocks you can find in chapter. 3. Click [View] next to mortgage data in the list. Figure 37 My mortgages window Table 25 of My mortgages window Data block Filter : {Journal number} {Journal date} {Registration number} {Property title} {UPI} {Creditor} {Debtor} {Owner} {State} Data block List : {Journal number} {Journal date} {Registration number} {Property title} {UPI} Enter journal number in this field. Select Journal date in this field. Enter registration number in this field. It is possible to search by part of number. Enter Property title in this field. Enter unique parcel number in this field. Enter creditor s name in this field. It is possible to search by part of name. Enter debtor s name in this field. It is possible to search by part of name. Enter owner s name in this field. It is possible to search by part of name. Select mortgage state from drop-down list. Journal number of a document registration is presented in this column. Journal date is presented in this column. Registration number is presented in this column. Property title is presented in this column. Unique parcel number is presented in this column. JSC NRD Page 58 of 66

59 {Debtor} {Owner} {Creditor} {State} Debtor is presented in this column. Owner is presented in this column. Creditor is presented in this column. State of registration is presented in this column. Buttons: [Filter] [All] [Export to CVS] [ ] Click this button to find a notice that matches filter criteria. Notices will be presented in the list. Click this button to view all notices. Click this button to export list to Excel file. Click this button to view help information about the particular field. [ ] Click this button and calendar window will be shown. You can select the date. [View] Click this button to view details of your notice. More information how to view or edit My mortgages notice you can find in hapter. [1..2] In the bottom of the list navigation buttons are presented. Click on the number to view other page Create new amendment If notice is opened from My mortgages list,you can see these buttons (Figure 38): Figure 38 My mortgages notice buttons Table 26 of buttons [Print] [Create Amendment] [Start receivership] Click this button to print document. Click this button to create amendments of: Change of particular, Transfer of mortgage, Pari-passu, Deregistration, Deregistration after sale. Click this button to start receivership. Amendment Receivership: Default notice regarding loan default will be created. JSC NRD Page 59 of 66

60 [Create Receivership Amendment] Click this button to create other receivership amendments: Application for permit to lease manage the property. The mortgage lease agreement. Restitution of a mortgage. Application for permit to sale the property. Application for permit to take over the property. Application for permit to manage the property. Amendment of the management plan. Management Report. Cancellation of receivership process. If you want to create new amendment on the opened notice, follow these actions: 1. Choose and open a notice (more information about this action you can find in chapter). 2. Click one of buttons: [Create amendment], [Start receivership] or [Create Receivership Amendment]. 3. Select amendment type from drop-down list (Figure 39). Detailed description of this window you can find in Table Click button [Create amendment]. Figure 39 Amendment type window Table 27 of amendment type window {Amendment type*} [Create amendment] [Close] [ ] Select amendment type from drop-down list. Click this button to create new amendment. New notice window will be opened. Click this button to close the window. New notice creating will be stopped. Click this button to view help information about the particular field Menu item My out journal My out journal list In the My out journal list you can view a list of all printouts. Applicant can see just these out journal print-outs which are related to mortgage where he is involved as creditor, debtor or owner. If you want to view My Out journal list follow these actions: 1. Move your mouse indicator over My Out journal list menu item and click. Filter data block and List will be opened (Figure 40). Detailed description of this window you can find in Table You can filter list and find required printout. More information about the filter and list data blocks you can find in chapter. JSC NRD Page 60 of 66

61 Data block Filter : {Out journal number} {Registration number} {Out journal type} Data block List : {Out journal number} {Registration number} {Out journal create date} {Out journal type} Button: [Filter] [All] [ ] Figure 40 My Out journal window Enter Out journal number in this field. Enter registration number in this field. Table 28 of My Out journal window Select out journal type from drop-down list. Out journal number is presented in this column. Registration number is presented in this column. Out journal create date is presented in this column. Out journal type is presented in this column. Click this button to find a notice that matches filter criteria. Notices will be presented in the list. Click this button to view all notices. Click this button to view help information about the particular field. [View] Click this button to view the printout. Selected printout will be loaded (Figure 41). [1..2] In the bottom of the list navigation buttons are presented. Click on the number to view other page. JSC NRD Page 61 of 66

62 4.7. Menu item Create amendment Figure 41 Selected printout window This menu is to create amendment by registration number. If you want to create amendment, follow these actions: 1. Move your mouse indicator over Create amendment menu item and click. Searching by registration number window will be opened (Figure 42). Detailed information of this window you can find in Table Enter registration number and click [Next]. 3. If notice will be not found, system message will be shown: Notice with registration number not found. If notice will be found, search results window will be opened (Figure 43). Detailed description of this window you can find in Table Click [Next]. Amendment type window will be opened (Figure 44). Detailed description of this window you can find in Table Choose amendment type. 6. Click [Finish]. Notice window will be opened. 7. Change information and click [Submit]. New amendment will be created. Figure 42 Searching by registration number window JSC NRD Page 62 of 66

63 Table 29 of searching by registration number window {Registration number} [Next] [ ] Enter notice registration number in this field. Click this button to open search results window. If notice will be not found, system message will be shown: Notice with registration number not found. Click this button to view help information about the particular field. Figure 43 Search results window Table 30 of search results window {Registration} {Registration number} {Registration date and time} {Creditors} {Debtors} {Property title} {UPI} {Owners} [Previous] [Next] Type of registered notice is presented in this field. Registration number is presented in this field. Registration date and time is presented in this field. Creditors are presented in this field. Debtors are presented in this field. Property title is presented in this field. Unique parcel number is presented in this field. Owners are presented in this field. Click this button to return to previous window. Click this button to open amendment type window. Figure 44 Amendment type window Table 31 of amendment type window {Amendment type*} [Previous] Select amendment type in this field. This field is mandatory. Click this button to return to previous window. JSC NRD Page 63 of 66

64 [Finish] Click this button to open notice window. Enter amendment data and click [Submit]. New amendment will be created Menu item Messages 4.9. Messages list In this list you can view the list of got and sent messages and Compose new message to ORG users. Detailed description of messages window (Figure 45) you can find in Table 32. If messages list is empty, system message is shown: List is empty!. Figure 45 Messages window Table 32 of Messages window Received messages Sent messages {Sender} {Recipient} {Subject} {Notice Id} {Registration number} {Sent date} Buttons: [Compose new message] [View] Select radio button if you want to view received messages. Select radio button if you want to view sent messages. of sender is presented in this column. of recipient is presented in this column. Subject of message is presented in this column. If message is sent from notice window, notice ID number is presented in this column. Registration number is presented in this column. Message sent date is presented in this column. Click this button to compose new message. Message creating window will be opened (Figure 47). Detailed description of this window you can find in Table 34. Click this button to view a message. More information about this action you can find in chapter View a message If you want to view a message, follow these actions: 1. Move your mouse indicator over Messages menu item and click. Messages window will be opened (Figure 45). 2. Choose list of messages (sent or received). 3. Click [View]. Message window will be opened (Figure 46). Detailed description of this window you can find in Table 33. JSC NRD Page 64 of 66

65 Figure 46 Message window Table 33 of message window {Subject of the message*} {Body of the message*} Buttons: [Reply] [Close] [ ] View subject of the message in this field. This field is mandatory. View message text in this field. This field is mandatory. Click this button to send response. Click this button to close received message window. Click this button to view help information about the particular field Send new message If you want to send a message, follow these actions: 1. Move your mouse indicator over Messages menu item and click. Messages window will be opened (Figure 45). 2. Click [Compose new message]. Message creating window will be opened (Figure 47). 3. Fill the fields and click [Send]. Figure 47 Message creating window JSC NRD Page 65 of 66