What it does

This skill automates the rigorous preparation and cross-checking required for mortgage credit deeds (kredietakten) within a notary office. It systematically compares the lender's offer against the draft deed, ensures security structures like mortgage mandates are correctly documented, and identifies potential blockers before the signing date.

Why use this skill

Manually verifying credit dossiers is prone to high-stakes errors—mismatched amounts, expired offers, or incorrect cadastral data can halt a closing. This skill acts as a specialized paralegal, specifically tuned for the Belgian/Dutch notary context. It goes beyond simple prompting by implementing a multi-step verification logic that covers rank arrangements, discharge of old loans (handlichting), and the financial flow between credit and purchase deeds.

Supported checks

• Offer Alignment: Validates loan amounts, interest rates, and validity periods.
• Security Structure: Precise calculation of mortgage vs. mandate ratios and associated costs.
• Property Consistency: Matches deed descriptions with cadastral data and titles.
• Prior Liens: Flags necessary discharges and rank distances.

Output format

The skill produces a structured verification checklist, a client-ready explanation of security choices (mortgage vs. mandate), and a tactical "flags" report identifying urgent issues like expiring offers or missing information duties.