Credit granting services

Description

The objective of the contract is to carry out credit rating of loan applicants (private persons) for the processing of loan applications to SPK [the Norwegian Public Service Pension Fund] home loan scheme. A credit rating entails both credit score assessment, credit check and collection of information from Eiendoms- og Borettsregisteret [the Real Estate and Housing Cooperation Register], Folkeregistret [the National Population Register], and Gjeldsregisteret [the National Debt Register]. The service must be able to be tailor made for SPK as SPK shall set up their own policy rules for the scoring, including use of information from SPK's own professional system. Click here: https://permalink.mercell.com/133755526.aspx The objective of the contract is to carry out credit rating of loan applicants (private persons) for the processing of loan applications to SPK [the Norwegian Public Service Pension Fund] home loan scheme. A credit rating entails both credit score assessment, credit check and collection of information from Eiendoms- og Borettsregisteret [the Real Estate and Housing Cooperation Register], Folkeregistret [the National Population Register], and Gjeldsregisteret [the National Debt Register]. The service must be able to be tailor made for SPK as SPK shall set up their own policy rules for the scoring, including use of information from SPK's own professional system. Estimated contract value The value is estimated to range from 4 000 to 20 000 credit checks and searches per year and varies with the demand from the market for the loan product. The financial value of the services can range from less than NOK 400 000 per year to more than NOK 1 million per year. In the past three years, the amount has been NOK 1.7 million. The expected value for a period of 6 years is more than NOK 3 million. SPK [the Norwegian Public Service Pension Fund] is not obligated to procure any specific amount of services during the contract period. Submission of tenders All written and verbal communication in connection with this competition shall take place in Norwegian. The language requirement also applies to the actual tender. Documentation in English may be accepted on request. Requests for participation (phase 1) and tenders (phase 2) must be submitted electronically via the Mercell portal, www.mercell.no. Enquiries or tenders submitted in other ways will be rejected. If the tenderer does not use Mercell or has questions in relation to functionality in the system, or how to submit tender offers, please contact Mercell Support: support@mercell.com. Telephone No: +47 21 01 88 60. SPK recommends that tenders are submitted well before the deadline for receipt of tenders. If additional information should arise that leads to the tenderer wishing to change their tender offer prior to the expiry of the deadline, the tenderer can go in and open the tender offer, make any changes and resubmit right up until the tender deadline expires. The last submitted tender will be considered the tender of record. When submitting, the supplier will be asked for an electronic signature to authenticate the supplier who has submitted the request/tender. You can obtain an electronic signature at www.commfides.com, www.buypass.no or www.bankid.no. It may take a few days to get receive an electronic signature. The tenderers are therefore asked to initiate this process well before submitting the tender. Related questions must be addressed via Mercell support.