Claims:I/We Claim:
1. A computer implemented method (100) for lending a loan, the method (100) comprises:
receiving a plurality of information of a multiple borrower (102) in a host server (104) of the computer;
receiving a plurality of information of a multiple lenders (106) in the host server (108) of the computer;
matching of one of the suitable borrower from the multiple borrower (102) with one of the suitable lender from the multiple lender (106) by a processor (110) based on the information provided by the borrower and the lender.

2. The method (100) as claimed in claim 1, wherein the plurality of information of the multiple borrowers (102) includes amount of loan required, rate of interest on loan, time period for returning the loan.
3. The method (100) as claimed in claim 1, wherein the plurality of information of the multiple lenders (106) includes risk associated with loan, mortgage security.
4. A computer implemented system (200) for lending a loan, the system comprises:
a host server (104) configured to receiver a plurality of information of a multiple borrower (102) and a multiple lenders (106);
a processor (110) configured to match one of the suitable borrower from the multiple borrower (102) with one of the suitable lender from the multiple lender (106).
, Description:Technical Field:

The present disclosure relates to a system and a method for lending a loan, and more particularly, the disclosure relates to the system and the method for lending a loan via a computer implemented system.
Background:
In prior-arts, the information relating to a loan transaction is collected by hand, transmitted using paper applications, compared by human beings (whose responsibilities include loan evaluation, property appraisal, financial market evaluation, and setting of lending rates), and disseminated using paper "rate sheets" or similar advertising material. For example, a mortgage broker attempting to obtain a loan for a borrower might be required to interview that client, consult rate sheets from multiple lenders to determine appropriate lending programs which might be appropriate for that client, submit multiple applications (possibly on multiple different forms) to selected ones of those lenders, and await action on those applications before being able to advise that client. Similarly, a lender attempting to set lending rates might be required to examine the present interest rate market, determine the mix of qualified borrowers likely to apply, determine a set of lending programs and lending rates best suited to the market and the risk the lender is willing to bear, and periodically post rate sheets or similar advertising material to multiple mortgage brokers informing them of those lending programs and lending rates. Upon receiving a loan application, the lender might also be required to independently evaluate the creditworthiness of the borrower and the value of the underlying property.
Accordingly, the method provided for mortgage lending in known prior arts is cumbersome. It would be advantageous to provide a method and system for automating loan applications, such as mortgage lending applications, placing them up for bid by a plurality of potential lenders, and following those loans using a technique for managing such loan applications and bids. This advantage is achieved in an embodiment of the invention in which a database server maintains a database of pending loan applications and their statuses; each party to the loan can search and modify that database consistent with their role in the transaction, by requests to the server from a client device identified with their role.

Summary:
According to an aspect, the present disclosure relates to a computer implemented method for lending a loan. The method includes receiving a plurality of information of a multiple borrower in a host server of the computer and receiving a plurality of information of a multiple lenders in the host server of the computer. Further, matching of one of the suitable borrower from the multiple borrowers with one of the suitable lender from the multiple lenders by a processor based on the information provided by the borrower and the lender.

In another exemplary embodiment, the present disclosure relates to a computer implemented system for lending a loan. The system comprises a host server configured to receiver a plurality of information of a multiple borrower and a multiple lenders and a processor configured to match one of the suitable borrowers from the multiple borrowers with one of the suitable lender from the multiple lenders.

Brief Description of Drawings

The manner in which the above recited features of the present invention can be understood in detail, a more particular description of the invention, briefly summarized above, may have been referred by embodiments, some of which are illustrated in the appended drawings. It is to be noted, however, that the appended drawings illustrate only typical embodiments of this invention and are therefore not to be considered limiting of its scope, for the invention may admit to other equally effective embodiments.
These and other features, benefits, and advantages of the present invention will become apparent by reference to the following text figure, with like reference numbers referring to like structures across the views, wherein:
Figure 1 illustrates a an exemplary system to which various embodiments of the present invention may be implemented;

Figure 2 illustrates a method for mortgage lending, in accordance with an embodiment of the present invention;

Detailed Description
The present invention is described hereinafter by various embodiments with reference to the accompanying drawing, wherein reference numerals used in the accompanying drawing correspond to the like elements throughout the description.
Referring to figures 1, a computer implemented system for mortgage lending is shown in the exemplary embodiment. The computer implemented system includes a host sever and a processor. The host server and the processor are in communication through a network. The embodiment disclosed here configured to enrol a plurality of borrower and a plurality of lender on the same computer implemented platform.
The host server, as disclosed above, includes a data centre. The data centre includes a central management workstation, a real hardware (HW) server, and a real virtual-machine (VM) server, as shown in FIG. 1. The real hardware (HW) Servers and the real virtual-machine (VM) server are connected with central management workstation by an Internet Protocol (IP) network. The real hardware (HW) Servers and the real virtual-machine (VM) server are also connected to a mass storage via a storage-array network (SAN).
The Central management server further includes a processors, communications devices, and computer-readable storage media. The computer-readable storage media is encoded with code for computer-executable program instructions and data, including a logical-server manager, a real-server manager, a logical-server database, and a storage database.
The host server is in data communication with one or more client (e.g., lender and borrower) systems via a conventional network, such as the Internet. The Client systems can be used by individual lender or borrower who can log into the host server via the network and become subscribers or members of the service enabled by the various embodiments described herein. The host server receives the plurality of information from the plurality of lenders and the plurality of borrowers.
The plurality of lenders and the plurality of borrowers can be everyday people who want to lend or borrow some financial instruments to produce a financial return and a social impact. The borrowers may be a security issuer that can offer security products for sale on the host site.

The host server receives the plurality of information from the plurality of borrower. The plurality of information from the plurality of borrower includes the amount of loan require, the rate of interest over the loan amount, mortgage, if any, provided by the borrower for the loan, time period for which loan requires.

The host server receives the plurality of information from the plurality of lender. The plurality of information from the plurality of lender includes the risk associated with loan, mortgage security.

The processor, as disclosed above, provided in the Central management server. The processor performs the function of matching the suitable borrower and the suitable lender from the plurality of borrower and the plurality of lender based on the information provided in the server.
Figure 2 illustrates a computer implemented system for mortgage lending in accordance with an embodiment of the present invention. The figure 2 is described in conjunction with the figure 1. The method begins at step 112, the host server receives the plurality of information from the plurality of borrower. The plurality of information includes the amount of loan required, the rate of interest over the loan amount, mortgage, if any, provided by the borrower for the loan, time period for which loan requires.
At step 114, the host server receives the plurality of information from the plurality of lender. The plurality of information includes the risk associated with loan, mortgage security.
At step 116, the processor provided in the Central management server is configured to match the suitable borrower and the suitable lender from the plurality of borrower and the plurality of lender based on the information provided in the host server.
Various modifications to these embodiments are apparent to those skilled in the art from the description and the accompanying drawings. The principles associated with the various embodiments described herein may be applied to other embodiments. Therefore, the description is not intended to be limited to the embodiments shown along with the accompanying drawings but is to be providing broadest scope of consistent with the principles and the novel and inventive features disclosed or suggested herein. Accordingly, the invention is anticipated to hold on to all other such alternatives, modifications, and variations that fall within the scope of the present invention and appended claim.