Kuwait 4 Islamic Banks Mortgage Collateral & MoCI Annex 4 Pipeline

Kuwait 4 Islamic Banks Mortgage Collateral & MoCI Annex 4 Pipeline A workflow diagram generated by Archify. 01 / Islamic Bank Collateral Desk 02 / Field Inspection & PACI Cadastre 03 / Aldilaijan Valuation Engine & CBK Rules 04 / MoCI Annex 4 Certification & Delivery Order Intake Cadastral Audit Dual Valuation CBK LTV Gate Dual Sign-off Bank Dispatch Cadastral & Ground Truth Statutory Valuation & Stress Test Legal Seal & Dossier Export Islamic Bank Desk · KFH/Boubyan/KIB/Warba · Islamic Bank Collateral Desk › Order Intake · mortgage order Islamic Bank Desk KFH/Boubyan/KIB/Warba mortgage order Inspector Ali Visit · finishes & photos · Field Inspection & PACI Cadastre › Cadastral & Ground Truth › Cadastral Audit · field tablet Inspector Ali Visit finishes & photos field tablet Replacement Cost · structure depreciation · Field Inspection & PACI Cadastre › Cadastral & Ground Truth › Dual Valuation · building finishes Replacement Cost structure depreciation building finishes Inspector Ali Sign · signed field sheet · Field Inspection & PACI Cadastre › Cadastral & Ground Truth › CBK LTV Gate · ground truth Inspector Ali Sign signed field sheet ground truth PACI & Baladia GIS · plot boundary & FAR · Aldilaijan Valuation Engine & CBK Rules › Statutory Valuation & Stress Test › Cadastral Audit · cadastral verify PACI & Baladia GIS plot boundary & FAR cadastral verify Hedonic Comps · MoJ deed registry · Aldilaijan Valuation Engine & CBK Rules › Statutory Valuation & Stress Test › Dual Valuation · market comps Hedonic Comps MoJ deed registry market comps CBK LTV Gate · 70% Res / 60% Inv · Aldilaijan Valuation Engine & CBK Rules › Statutory Valuation & Stress Test › CBK LTV Gate · statutory caps CBK LTV Gate 70% Res / 60% Inv statutory caps Abdulrahman Sign · MoCI Lic. 2023/15148 · MoCI Annex 4 Certification & Delivery › Legal Seal & Dossier Export › Dual Sign-off · appraiser seal Abdulrahman Sign MoCI Lic. 2023/15148 appraiser seal Annex 4 Dossier · 90-day bank lock · MoCI Annex 4 Certification & Delivery › Legal Seal & Dossier Export › Bank Dispatch · PAdES seal · Supabase Annex 4 Dossier 90-day bank lock PAdES seal PAdES seal & dispatch land market value attested cost structure value age & specs zoning & land FAR field audit pass schedule site visit PACI civil ID & deed LTV compliant Legend User UI Agent logic Policy Cloud service External system

Central Bank of Kuwait (CBK) Statutory LTV Limits

  • • Private Residential: 70% Max LTV (strictly capped to combat housing speculation under CBK circulars)
  • • Investment Real Estate: 60% Max LTV supported by verified rental rolls and Net Operating Income capitalization
  • • Commercial & Mixed-Use: 50% Max LTV with vacancy stress-testing and tenant creditworthiness review

Dual-Signatory Integrity Architecture

  • • Field Inspector Ali conducts on-site cadastral verification, finish grading, and photo documentation
  • • Certified Appraiser Abdulrahman Aldilaijan (MoCI License 2023/15148) executes final reconciliation and legal sign-off
  • • MoCI Annex 4 (ملحق 4) standard reporting ensures seamless acceptance by credit risk committees at KFH, Boubyan, KIB, and Warba

90-Day Banking Collateral Horizon Watchdog

  • • Statutory bank collateral validity is hard-locked to 90 calendar days from the certified valuation date
  • • Automated Supabase Edge watchdog flags expiring collateral at T-15 days for mortgage portfolio managers
  • • Cryptographic PAdES SHA-256 seal guarantees immutable tamper-evidence for bank audit and inspection
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