Financiación de automóviles

Codix Auto Leasing software solution.

iMX es capaz de gestionar varios tipos de financiación para vehículos a motor y de dos ruedas, que van desde los préstamos cerrados a la gestión de flota, e incluye el leasing cerrado y el alquiler a largo plazo. Esto es posible desde el momento que se produce la venta (distribuidor/bróker) hasta que finaliza el periodo de financiación y, si es aplicable, se revende el activo.

Características principales:

  • Punto de venta (bróker / agencia) / Internet :
    • Multi-red / multi-canal
    • Simulación múltiple
    • Tarificación:
      • Criterios de elegibilidad
      • Autorizaciones
      • Pólizas de seguros
      • Servicios
      • Paquetes
      • Matriz de cálculo del valor residual
    • Configuración del activo / posibilidad de incluir un “configurador de coche” externo
      Car configurators, also known as choice boards, design systems, toolkits, or co-design platforms, are responsible for guiding the user-custommer through the configuration - clarification needed process. Different variations are represented, visualized, assessed and priced which starts a learning-by-doing process for the user.
    • Cálculo del alquiler / calendario de amortización
      Amortization refers to spreading payments over multiple periods. The periodic payment amount due on a loan (typically a mortgage), based on the amortization process can vary. The amortization repayment model factors varying amounts of both interest and principal into every installment, though the total amount of each payment is the same. An amortization calculator can reveal the exact amount that goes towards interest and the exact amount that goes towards principal out of each individual payment.An amortization schedule calculator is also often used to adjust the loan amount until the monthly payments will fit comfortably into budget, and can vary the interest rate to see the difference a better rate might make in the kind of home or car one can afford.
    • Seguimiento de puntos de venta y gestión
      The point of purchase (POP) or point of sale (POS) is the place and time where a retail transaction is completed. At the point of sale, the merchant calculates the amount owed by the customer, indicates that amount, also indicates the options for the customer to make payment, may prepare an invoice for the customer (which may be a cash register printout).
    • Pre-scoring a tiempo real
    • Ofertas
    • Subida de documentos de apoyo
    • Asegurar la singularidad (sin duplicación) de individuos
  • Aceptación
    • Flujo de trabajo flexible y personalizable gracias al sistema experto
      iMX integrates a Business Process Modelling and Workflow tool (iMX Expert System), a complete Web portal for external accesses package, and offer to our customers the maximum level of flexibility in the usage and customizing the system. Thanks to its self-owned and self-funded structure, CODIX can be very adaptive, reactive, and always does everything possible to work in a fully collaborative and long-term relationships and partnerships with every one of its Clients.
    • Scoring
      A numerical evaluation of your credit history used by lenders and financial institutions to access a person's credit worthiness. Credit scores are calculated using complex mathematical formulas. Lenders use credit scoring, among other things, to make a decision on whether to extend credit. There are many slightly different credit scoring formulas used by bankers, lenders, creditors, insurers and retailers. A person's credit score is a number between 300 and 850, 850 being the highest credit rating possible.
    • Compromisos de recompra (en la parte del proveedor u otra parte involucrada)
      Commitment Fee: A fee paid to a lender by a borrower in exchange for a promise to lend money on certain terms for a specified period. Usually charged in order to extend a loan approval offer for longer than the standard period.
    • Gestión del límite / límites multi-nivel
    • Gestión del grupo del cliente
    • Análisis del expediente
    • Aceptación manual o automática
    • Seguimiento de la recepción de documentos
  • Gestión de Suministros / Proveedor
    • Creación de la orden de compra y su seguimiento
    • Seguimiento de entrega del activo
    • Registro de las facturas del proveedor
    • Desembolso por grupo o unidad / Gestión de fechas de pago
  • Contabilidad
    • Grabación de los flujos
    • Generación de movimiento del stock
    • Provisiones
    • Depreciación contable y fiscal de activos según la legislación vigente
      The book depreciation expense is the amount recorded on the "books" and reported on the financial statements. The tax depreciation is recorded on the company's income tax returns and will be based on the Internal Revenue Service's rules. Accelerated depreciation means taking more depreciation in the first few years and less depreciation in the later years of the machine's life.
    • Informes reglamentarios
    • Cálculos de rentabilidad
  • Autoservicio de clientes

    Gracias a la Extranet de iMX, los clientes pueden seguir el estado de sus expedientes en Internet, hacer actualizaciones o presentar solicitudes de actualización, simulaciones de conducta, actualizar o descargar documentos, etc.

Gestión

  • Activación del contrato
  • Establecimiento del calendario de amortización final
    An amortization schedule is a complete table of periodic loan payments. This table can show the amount of principal and the amount of interest that comprise each payment until the loan is paid off at the end of its term. The last line of the schedule shows the borrower’s total interest and principal payments for the entire loan term.
  • Comisiones de Bróker / vendedor
    A commission is a service charge assessed by a investment advisor or broker in return for providing investment advice and/or handling the purchase or sale of a security. Commissions vary widely from brokerage to brokerage. Most major, full-service brokerages derive much of their profits from charging commissions on client transactions.
  • Facturación de rentas/cuotas
    A payment made as part of a series of payments on the same good, service, or obligation. Installment Debts are debts that are repaid with a fixed number of payments of equal amount, like an auto loan.
  • Reembolso de servicios
    Repayment is the act of paying back money previously borrowed from a lender. Repayment usually takes the form of periodic payments that normally include part principal plus interest in each payment.
  • Agrupación de facturas, especialmente para fines de gestión de flotas
  • Emisión de facturas personalizadas
  • Recepción de pagos / identificación / conciliación
  • Monitoreo del consumo / unidades de medida
  • Facturación de participaciones
  • Recobro de deuda: preventivo / amistoso / judicial: detección de deudas impagadas, recordatorios, reprogramación de deuda,…
  • Monitoreo de cuenta cliente
  • Modificaciones:
    • Adición / eliminación de servicios / pólizas de seguros
    • Renegociación
    • Pagos anticipados parciales
  • Acciones masivas: modificaciones, finalización, reembolso,…
  • Reclamaciones relacionadas a activos individuos (temporal y final)
  • Terminación: a la fecha de vencimiento, terminación anticipada, en caso de incumplimiento
  • Ampliación automática / manual
  • Recuperación del activo
  • Reventa del activo (a un tercero)
  • Nuevo arrendamiento

Información de contacto

+33(4)89 87 77 77 codix.eu info@codix.eu
Immeuble Le Carat, 200 Rue du Vallon, Sophia-Antipolis,
06560 VALBONNE, FRANCIA