The dei-sap-poc from ictu

As a PO i want paper-based (PowerPoint or like) testing flow scenarios for our use case

Where possible, we specify all conceivable scenarios for the real estate transaction.
We illustrate this on the basis of test cases specified in #1

Collection of user stories for the idea of a mortgage marketplace

This is a non-limited first collection of user stories for the idea of a public mortgage market to be further developed:

As a private buyer I want a mortgage so that I can finance my real estate transaction
As a mortgage market, I want to facilitate all existing forms of mortgages (ie Annuity, Linear, Interest-only, Bank savings, Savings, Investment, Business, Endowment, ánd Rental mortgage) so that I can offer a worthy alternative
As a wealthy private individual, I want to invest in financing(s) via the mortgage marketplace with a positive ROI
as an applicant for a mortgage, I do not want paperwork in the application procedure so that I can make my application paperless
as a private individual, I want to be able to apply for a mortgage without needing the intention to purchase real estate as collateral, so that I do not suffer from resolutive conditions as soon as I do want to buy
as a provider of financing via the mortgage marketplace, I want to be able to make my offer anonymously so that my offer can only be assessed on content
as a supervisor of the financial markets, I want to be able to assess whether and how the mortgage marketplace complies with the regulations so that there is safe and reliable supply and demand
as a private applicant for a mortgage, I want to be able to submit my application anonymously so that no personal data needs to be shared in order to assess the application
as a possible acceptor of a mortgage offer, I want to be able to independently assess the origin of the underlying financial resources without needing external expertise so that I experience the mortgage marketplace as safe and reliable
As a wealthy private individual, I want the origin of my assets to be easily verified by the competent authority
As an applicant for a mortgage, I want the origin of my own financial resources to be easily verified by the competent authority
as a private individual, I want to enjoy protection that prevents me from getting into financial problems with the acceptance of a mortgage offer
as a low-skilled resident, I want to be able to assess a mortgage offer on the marketplace without needing a mortgage advisor so that I am not dependent on someone else
as a mortgage marketplace, I want supply and demand to pass through the notary in the form of a mortgage deed in less than 2 days after a match, whereby the notary's agenda is out of scope, so that there is no waiting time for financing
(tbc)

[RULE SPEC] Certificate of Inheritance registration in the Land Registry check

prerequisite

Jurisdiction unknown: Certificate of Inheritance not registered in the Land Registry

source

The source is the Land Registry.

attribute based credentials

The Certificate of Inheritance contains the following information: names of the heirs, indication of whether or not there was a will, whether the deceased was married, who is authorized to administer and dispose of the estate, who is responsible for the inheritance and settlement thereof and any additional information about the inheritance and heirs.
We require:

Certificate of Inheritance id
Certificate of Inheritance registration in the Land Registry: true or false

availablity

This data can be requested digitally and by post as a private individual.

[RULE SPEC] identity check for a seller and/or buyer as a legal entity

prerequisite

identity check legal entity

source

The source is the Trade Register managed by the Chamber of Commerce (KvK).

attribute based credentials

An extract from the Trade Register contains various information such as the name, contact details and officials of an organization that participates in economic transactions in the Netherlands.
We require:

kvkNumber
trade name
address
type

availablity

Access is public. The Chamber of Commerce provides both a business web portal and an API for this purpose. Some data is only available to authorized persons such as lawyers, civil-law notaries, bailiffs or judicial services. Which data this is is determined in the Trade Register Act.

[RULE SPEC] legal representative / parent(s) with authority / guardian requirement check

prerequisite

Not authorized without permission or authorization: legal representative / parent(s) with authority / guardian required

source

Decisions about custody are registered in the Authority Register, including guardianship.

attribute based credentials

The data consists of extracts from publications by courts containing details of decisions about custody. However, this varies by court.
We require:

BSN
legal representative / parent(s) with authority / guardian required: true or false

availablity

Access to the Authority Register requires a lawyer's pass.

Identity check for a seller and/or buyer as a natural person

[RULE SPEC] destination approval check of object and/or finance

prerequisite

The object sold is legally incomplete: Destination

source

Land Registry is responsible for recording zoning plans via the Spatial Plans department. The data can also be viewed via Public Services on the Card (PDOK).

attribute based credentials

The data from PDOK is complete geodata, including plans, maps with dimensions, and aerial photos.
We require:

Object id
destination approval: true or false

availablity

Plans can be viewed free of charge via www.ruimtelijkekalender.nl. This is a service managed by the Land Registry. Plans can also be purchased free of charge via a web service in collaboration with PDOK.

[RULE SPEC] under guardianship check for a seller and/or buyer as a natural person

prerequisite

Not legally competent: under guardianship (incapacitated)

source

The source is the Central Trusteeship and Administration Register (CCBR) at the Council for the Judiciary. In addition, the administrator ensures that the administration is entered in other public registers, such as the Land Registry and the Trade Register (KvK).

attribute based credentials

The data consists of extracts from publications by courts containing data of persons placed under guardianship, persons who have been placed under administration due to waste or problematic debts and persons who have been placed under administration due to physical or mental circumstances, of which the subdistrict court has decided that publication is necessary.
We require:

BSN
guardianship: true of false

availablity

A web service is available that automatically reads the most recent publications from the register every working day.

As a PO I want Chamber of Commerce Handelsregister API access for legal entities

For the use case it is necessary to fetch test legal entities to demonstrate the transaction.

Requirements:

API endpoint
API-key
Tested with Postman
test legal entities specified

[RULE SPEC] legal capacity check for a seller and/or buyer as a natural person

prerequisite

legal capacity = legal adult.

source

The source is the Personal Records Database (BRP) managed by the National Service for Identity Data (RvIG).

attribute based credentials

Municipalities keep personal data of citizens (residents) in the BRP. When someone gets married, has a child or moves house, the municipality records this.
We require:

BSN
Date of birth

availablity

Only organizations with a public or social task can obtain data from the BRP. The rules on this are set out in the BRP Act. Web services are available for this, which the civil-law notary already has at his disposal, for example.

[RULE SPEC] perpetual clause check for object and/or finance

prerequisite

The object sold is legally incomplete: Perpetual clause.

source

Source is the notary of the selling party / previous deeds at the time. These are recorded in the Land Registry.

attribute based credentials

The perpetual clause is an obligation for the buyer to also impose a certain agreement on the next buyer. In general, a perpetual clause is accompanied by a penalty clause.
We require:

Object id
perpetual clause: true or false

availablity

The data is a copy of the original deed. Although this data is public, it does have to be paid for.

[RULE SPEC] easement check for object and/or finance

prerequisite

The object sold is legally incomplete: Easement

source

Easement is not compulsorily established, it can also arise due to prescription. Source is the notary of the selling party / deed of establishment at the time. This is recorded in the Land Registry.

attribute based credentials

The best-known example of easement is the right of way. Easement is not mandatory, it can also arise due to, for example, statute of limitations. In the case of sale or purchase, it is strongly recommended to record the easement.
We require:

Object id
easement: true or false

availablity

De gegevens zijn een kopie van de originele akte. Deze gegevens zijn weliswaar openbaar, maar er dient wel voor betaald te worden.

[RULE SPEC] mortgage establishment on a home by one spouse check for a seller

prerequisite

Not only authorized: mortgage establishment on a home by one spouse

source

The establishment of a mortgage on collateral is recorded in the Land Registry.

attribute based credentials

The Mortgage Deed, as signed at the civil-law notary, contains the current information from the public register. This deed records the agreement between the mortgagee, usually a financial institution, and the mortgagee, which is the owner. Here you will find the most extensive mortgage information of the requested object. This concerns the most recently passed deed, unless stated otherwise.
We require:

BSN
mortgage establishment by one spouse allowed: true or false

availablity

The data is a copy of the original deed. Although this data is public, it does have to be paid for.

As a PO I want API access for natural persons (ie residents of NL) via key citizen service number

For the use case it is necessary to fetch test inhabitants to demonstrate the transaction.

Requirements:

API endpoint
API-key
test inhabitants specified

[RULE SPEC] petition for divorce submitted by a seller and/or buyer check

prerequisite

Not only competent: petition for divorce has not yet been submitted

source

The source is the Matrimonial Property Register (HGR) at the Council for the Judiciary. If no registration has been made, then it is the person or his notary.

attribute based credentials

The data in the HGR consists of extracts containing the date and place of the marriage or registered partnership, the date on which the application for registration of a prenuptial agreement or partnership agreement was submitted, the date on which the registration took place and the registration number and court that has registered the prenuptial agreement.
We require:

BSN
petition for divorce: true or false
(optional) petition for divorce submitted: true or false

availablity

The extracts are digitally available as a private individual. Under certain conditions, civil-law notaries, bailiffs and the tax authorities can also request prenuptial agreements or partnership conditions. However, receipt is by post and delays the turnaround time.

As a Developer I want to apply and deploy basic Camunda DMN

For the rule engine we'll use Camunda Platform 7.16 on Apache Tomcat 9.0.60.

For development we need:

We illustrate the different steps in the comments in this issue.

As a PO I want the rules for real estate transaction testing available in a rules service API

In #2 we specified test scenarios. For all those scenarios it is necessary to test the real estate transaction using a rule service API.
Requirements:

collection of legal rules
subselection because we can't be complete
interpretation subselection
applicable rules
deployment applicable rules via API

[RULE SPEC] sale of marital home by one spouse check for a seller

prerequisite

Not only authorized: sale of marital home by one spouse

source

The ownership situation is recorded in the Land Registry.

attribute based credentials

The Title Deed, as signed at the notary, contains the current information from the public register. This deed of ownership states, for example, who are the beneficiaries of a plot. This can be the owner, but also a person who has the right to use it. It gives you insight into the property status, housing details, any restrictions on use and important notes, for example if there is soil contamination. This concerns the most recently passed deed, unless stated otherwise.
We require:

BSN
sale of marital home by one spouse allowed: true or false

availablity

The data is a copy of the original deed. Although this data is public, it does have to be paid for.

[RULE SPEC] legal competence check for a seller and/or buyer as a natural person

prerequisite

legal competence

source

The source is the Belehrung by the notary.

attribute based credentials

The legal capacity can be determined from source information, the legal capacity remains part of the Belehrung of the notary. It appears from the Notary Act that the civil-law notary is obliged to ensure that the parties have an overview of the consequences of the legal act envisaged by them. The Belehrung is a judgment.
We require:

BSN
legal competence: true or false

availablity

Currently not available as source information.

As a PO I want API access for searching and consulting data from the Dutch Land Registry (BRK)

The following Basic Registration Land Registry data can be requested:

Cadastral immovable property
Business Owner
Land registry natural person
Land registry non-natural person
Mortgage
Seizure
Private law restriction
Public law restriction
Piece
Piece part

See this page for further details (Dutch only though).

Access to TEST has been requested.

[RULE SPEC] divorced check for a seller

prerequisite

Not authorized: already divorced

source

The source is the Matrimonial Property Register (HGR) at the Council for the Judiciary. A divorce is always registered in the HGR.

attribute based credentials

The data in the HGR consists of extracts containing the date and place of the marriage or registered partnership, the date on which the application for registration of a prenuptial agreement or partnership agreement was submitted, the date on which the registration took place and the registration number and court that has registered the prenuptial agreement.
We require:

BSN
divorced: true or false

availablity

The extracts are digitally available as a private individual. Under certain conditions, civil-law notaries, bailiffs and the tax authorities can also request prenuptial agreements or partnership conditions.

[RULE SPEC] past right leasehold check for object and/or finance

prerequisite

The object sold is legally incomplete: Past right leasehold

source

The right of ground lease is laid down in the deed of establishment. This deed is registered by the civil-law notary in the public registers of the Land Registry. The term and amount of the ground lease are described herein.

attribute based credentials

Leasehold means that someone has the right to keep or use a piece of land that is owned by another person. The leaseholder pays an amount to the owner of the land for this, the so-called ground lease.
We require:

Object id
past right leasehold: true or false

availablity

The data is a copy of the original deed. Although this data is public, it does have to be paid for.

[RULE SPEC] in bankruptcy settlement check

prerequisite

Not authorized without permission or authorization: in bankruptcy settlement

source

The source is the Central Insolvency Register (CIR) at the Council for the Judiciary.

attribute based credentials

The data consists of extracts from publications by the court containing details of bankruptcies, suspension of payments and debt restructuring of natural persons.
We require:

BSN
in bankruptcy settlement: true or false

availablity

A web service is available that automatically reads the most recent publications from the register every working day.

[RULE SPEC] monumental status check for object and/or finance

prerequisite

The object sold is legally incomplete: Monumental Status

source

The monumental status is recorded in the National Monuments Register, and can also be found at www.monumenten.nl.

attribute based credentials

If a building has Monumental Status, the owner must adhere to the rights and obligations established for each monument. When adjusting, renovating or restoring, the owner almost always has to deal with the municipality and an environmental permit must be applied for.
We require:

Object id
monumental status: true or false

availablity

The monumental status is publicly available. For the exact rights and obligations, we need to contact the applicable municipality or the Cultural Heritage Agency (RCE).

[RULE SPEC] limitation in prenuptial agreement check for a seller and/or buyer

prerequisite

Not only authorized: limitation in prenuptial agreement.

source

The source is the Matrimonial Property Register (HGR) at the Council for the Judiciary. If no registration has been made, then it is the person or his notary.

attribute based credentials

The data in the HGR consists of extracts containing the date and place of the marriage or registered partnership, the date on which the application for registration of a prenuptial agreement or partnership agreement was submitted, the date on which the registration took place and the registration number and court that has registered the prenuptial agreement.
We require:

BSN
limitation in prenuptial agreement: true or false

availablity

The extracts are digitally available as a private individual. Under certain conditions, civil-law notaries, bailiffs and the tax authorities can also request prenuptial agreements or partnership conditions. However, receipt is by post and delays the turnaround time.

[RULE SPEC] under administration (incapacitated to act) check

prerequisite

Not authorized without permission or authorization: under administration (incapacitated to act)

source

The source is the Central Trusteeship and Administration Register (CCBR) at the Council for the Judiciary. In addition, the administrator ensures that the administration is entered in other public registers, such as the Land Registry and the Trade Register (KvK).

attribute based credentials

The data consists of extracts from publications by courts containing data of persons placed under guardianship, persons who have been placed under administration due to waste or problematic debts and persons who have been placed under administration due to physical or mental circumstances, of which the subdistrict court has decided that publication is necessary.
We require:

BSN
under administration: true or false

availablity

A web service is available, which automatically reads the most recent publications from the register every working day.

[RULE SPEC] identity check for a seller and/or buyer as a natural person

prerequisite

Identity check natural person

source

The source is the Personal Records Database (BRP) managed by the National Service for Identity Data (RvIG).

attribute based credentials

Municipalities keep personal data of citizens (residents) in the BRP. When someone gets married, has a child or moves house, the municipality records this.
We require:

BSN
Name
Surname
Date of birth

availablity

Only organizations with a public or social task can obtain data from the BRP. The rules on this are in the BRP Act, in this case only for the notary. Web services are available for this, which the notary already has at his disposal.

[RULE SPEC] Certificate of Inheritance check for a seller

prerequisite

Jurisdiction unknown: Certificate of Inheritance is missing

source

The source is the Central Register of Wills (CTR) at the Royal Notarial Association (KNB).

attribute based credentials

The data consists of wills of people who died after 1975, who lived in the Netherlands and who also died here. It is a reference register. The notary who drew up the will can then request the will.
We require:

BSN
Certificate of Inheritance check requirement: true or false
(optional) Certificate of Inheritance availability: true or false

availablity

This information can be requested both digitally and in writing by the relevant civil-law notary via his notarial software package.

[RULE SPEC] object in dissolved matrimonial property check for a seller

prerequisite

Not only authorized: object in dissolved matrimonial property

source

The source is the Matrimonial Property Register (HGR) at the Council for the Judiciary. A divorce is always registered in the HGR.

attribute based credentials

The data in the HGR consists of extracts containing the date and place of the marriage or registered partnership, the date on which the application for registration of a prenuptial agreement or partnership agreement was submitted, the date on which the registration took place and the registration number and court that has registered the prenuptial agreement.

availablity

The extracts are digitally available as a private individual. Under certain conditions, civil-law notaries, bailiffs and the tax authorities can also request prenuptial agreements or partnership conditions. However, receipt is by post and delays the turnaround time.

[RULE SPEC] allotment of estate finalized check for a seller

prerequisite

Not only authorized: allotment of estate has yet to take place

source

The source is the Estate Register at the Council for the Judiciary. Each court has its own public register of estates.

attribute based credentials

The Estates Register contains legal facts concerning open legacies. An estate 'opens up' as soon as the testator dies. Legal facts are, for example: statements of heirs who have accepted or rejected the inheritance, details of the notary involved in the settlement of the inheritance, details of the liquidator (a person appointed by the court to settle the estate, or to settle). Part of the liquidation of the estate is that an inventory must be drawn up. This provides an overview of the assets and liabilities of the estate. For example, creditors can check whether there is a positive balance and whether there are assets that can be sold. Creditors can use the estate register to find out who they should contact for access to the estate inventory.
We require:

BSN
allotment of estate finalized: true or false

availablity

Provision of extracts differs per court. A request must in any case relate to a specific estate.

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