BPMN and make value added analysis. 1. after the loan application has been approved by the lender, a confirmation document is prepared and sent to the customer. Confirmation documents, including a payment schedule that the lender must agree to, will be signed and sent back. the next process is to verify the payment agreement: if the applicant does not agree with the payment schedule, the lender cancels the application; if the applicant agrees, the lender approves the application. In both cases, the process is completed with the lender notifying the applicant of the application status. 2. A loan application is approved if it passes two checks: (i) risk assessment of the loan applicant, this is done automatically by the system, and (ii) valuation of property prices from loan applications, this is done by expert property appraisers. Risk assessment requires: examination of the applicant's credit history, which is carried out by a financial officer. if both checks (i and ii) have been carried out, the officer from the lending office can assess the eligibility of applicants. If the applicant does not meet the requirements, the application is rejected, otherwise acceptance documents are prepared and sent to the applicant. 3. Submission of a loan can be combined with home insurance which is offered at a discounted price. Applicants can express their interest in a home insurance plan at the time of submitting their loan application to the lender. Based on this information, if the loan application is approved, the lender can only send the loan acceptance document to the applicant, or also send a home insurance quote. The process then continues with the verification of the return agreement. 4. After the loan application is received by the lender, and before proceeding with the assessment, the submission document itself needs to be checked for completeness. If it is incomplete, then the submission document is returned to the applicant, so that he can fill in the incomplete information and send it back to the lender. This process is repeated until the submission documents are complete