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How long does it take from AIP to formal loan offer for Mortgage application?

The first step in buying a property in Ireland is AIP (Approval In Principle) from a bank such as Bank of Ireland. This gives you the mortgage amount that you can borrow from a bank in principle when you purchasing a property. This document is based on some preliminary documents such as your income and your residential status, etc., and a general rule of thumb is that you can borrow 3.5 times of your income or 4 times from 2023. With this document in hand, you can start to search your property would like to buy with the given budget (i.e., roughly your savings + the amount approved in principle). AIP normally lasts from 6 months to 1 year, and can be extended once it is expired.

Once we've identified a property to purchase, and finally sale agreed after the bidding process, then we can move on from AIP stage to formal loan offer stage which takes some time to finish. You can also do it earlier with your bank as you will see later in this post.

In this post, I will elaborate the timeline with Bank of Ireland (BoI) based on personal experience. The general stages during the BoI Mortgage Application are as follows:

Although the timeline might vary depending on each individual and bank, it can provide a general understanding of the process for those who are just about to entering this stage. In the following, I will use "Day 1" to indicate the day of sale agreed on the target property.

Day 1: Sale agreed => Submitted all required documents
Day 2: Got a call from the Mortgage specialist (who is coordinating the process) to submit some additional documents => Submitted those additional documents;
Day 3: Got a call confirms that all documents are received and will move on to "Underwriting" stage once the document review is finished.
Day 8: Pointed out some problems related to submitted documents and asked to re-submit
Day 11: Got the updated documents from HR and re-submitted those documents
Day 16: The status of the application is changed to "Preparing application for underwriter review"
- It says "We are preparing your application for the underwriter. We may need to contact you with further questions, if not, we will let you know when we have finished preparing your application and it is with the underwriter."
Day 29: Got a call to submit additional documents
Day 30: Submitted those documents and moved to the "Underwriting" stage, t says the process will take 10-12 working days.
Day 40: Got approved, i.e., underwriter approved. As there is no target property identified, it is approved as property-hunter approval.
Day 61: Sale agreed on one property. The application went through the check of any status has been changed or not.
Day 65: BoI asks to submit some of the updated documents such as recent bank statements.
Day 66: Uploaded all required documents.
Day 80: Got underwriter approval again with updated details (i.e., the sale agreed property). The Case Manager team of BoI will take over the case till drawdown of the mortgage. The mortgage package would arrive in 3-5 working days.
From here on, based on the agreement on the closing date of the property, you need to do and provide the leftover documents such as signed mortgage contract, survey and valuation (bank), mortgage protection/life insurance, and home insurance. In the meantime, your solicitor should also provides those documents they need to provide to the bank.

Overall, it is quite time consuming process and that's why people are saying it takes quite long time from sale agreed to moving in to the property. A good thing to do is trying to finish the "underwriting" review stage as early as possible by submitting all required documents, which might be a good idea as the process could be much shorter once you sale agreed your dream property.

Academic Resources

This is a curated list of resources related to PhD, doing research, writing, doing peer reviews, and career development, etc., which can be helpful for people at different stages of an academic trajectory from the github repository.

There are several ways you can engage with the list of resources if you like it.

Star the repo
Share the list
Suggest resources that you liked a lot but are missing from the list
Point out broken links of the resources

How to apply PhD

Ph.D. Applications:FAQ - Noah Smith

How to do that PhD

The illustrated guide to a Ph.D. - Matt Might
Modest Advice for New Graduate Students - Dorsa Amir
What makes a great PhD supervisor? - Joeran Beel
Advice for early-stage Ph.D. students - Philip Guo
Syllabus for Eric's PhD students - Eric Gilbert
How to Be a Successful PhD Student - Mark Dredze & Hanna M. Wallach
Secrets of Successful Research Students - Allyson Noble & Alyce Mason
Own your PhD project: How to take charge of your research - Nicole Kringos
PhD advice part in Interview with Deep Learning and NLP Researcher: Sebastian Ruder - Sebastian Ruder
A Survival Guide to a PhD - Andrej Karpathy
How to supervise your supervisor - Fabien Gandon
내가 대학원에 들어왔을 때 알았더라면 좋았을 연구 노하우 (개정증보판) (UST 대학원 신입생 OT 강연) - YoonSup Choi

How to write

Converting Undergraduate Projects into Research Papers
How to Write a Great Research Paper - Simon Peyton Jones
How to get your paper accepted at IM/NOMS - Aiko Pras
How to Write a Good Systems Paper - Gernot Heiser
How to write a good system paper - Roy Levin & David D. Redell (詹剑锋讲解)
Why I gave your paper a Strong Reject - Matt Welsh
Why I gave your paper a Strong Accept - Matt Welsh
Coping with Rejection
A template for responding to peer reviewer comments
Responding to peer review - Matt Might
Tips for open-sourcing research code - Thomas Wolf

How to review

Reviewing guidelines for PC members - Emery Berger
How to write a high quality review for conference? - Noah A. Smith
How not to review a paper - Graham Cormode

How to do research

You and your research [Video] - Richard Hamming
How to read a paper - Michael J. Hanson & Dylan J. McNamee
Research Design Patterns - - Philip Guo
Bad research questions - Pat Thomson
怎么做科研和写论文 - 刘成林
“25년 전의 나에게” (대학원 신입생이 꼭 알아야할 연구실 생활의 팁) - Sue Moon

How to develop your academic career

How do you make a short CV? - Karen L. Kelsky
How to Have a Bad Career in Research/Academia Pre-PhD and Post-PhD (including How to Give a Bad Talk) - EECS Colloquium - David Patterson
From PhD to Professor: Advice for Landing Your First Academic Position - Johanna Greeson
How to write a killer cover letter for a postdoctoral application - Bill Sullivan
Professorships: Academic Trajectory and Tips for Applicants - John Breslin

A sample mobile application built with AngularJS and linked to SAP HANA Trial backend

The sample is on Github: A sample mobile application built with AngularJS and linked to SAP HANA Trial backend

For HCP trial, every developer will have two schemas (DEV_XXX and NEO_XXX) by default. So, NEO_XXX should be your development schema, meanwhile DEV_XXX is the private schema of your developer user. And usually we need to create objects in NEO_XXX schema instead of DEV_XXX [1].

Figure 1

Make sure you've done some basic steps before it.

I created in the "hanatrial" package for the example and with the same folder structure of the example on Github.

Figure 2

.xsaccess file contains some access control information and .xsapp indicates the application we are building is a xs application of HANA. (File details can be found on Github)

1. Create Models:

Create two tables (people.hdbtable and taxes.hdbtable) and one sequence (peopleseq.hdbsequence).

Use your NEO_*** SCHEMA for table.schemaName. In my case, it will be "NEO_91NN2NENJITDMWTLGL5DD5INO" as displayed in Fig. 3.

1:  table.schemaName = "YOUR SCHEMA STARTS WITH NEO_*** HERE";  
2:  table.tableType = COLUMNSTORE;  
3:  table.columns = [  
4:       {name = "PPSno"; sqlType = VARCHAR; nullable = false; length = 200;},  
5:       {name = "firstName"; sqlType = NVARCHAR; nullable = false;length = 200;},  
6:       {name = "lastName"; sqlType = NVARCHAR; nullable = false; length = 200;},  
7:       {name = "title"; sqlType = NVARCHAR;length = 200;},  
8:       {name = "cellPhone"; sqlType = NVARCHAR;length = 200;},  
9:       {name = "officePhone"; sqlType = NVARCHAR;length = 200;},  
10:       {name = "email"; sqlType = NVARCHAR;length = 200;},  
11:       {name = "city"; sqlType = NVARCHAR;length = 200;},  
12:       {name = "pic"; sqlType = NVARCHAR;length = 200;}];  
13:  table.primaryKey.pkcolumns = ["PPSno"];

Figure 3

Figure 4

Create "init_data" folder and copy files from Gitbub to your folder.

gen_people.hdbprocedure (Change the file detail with your schema and table path)
gen_taxes.hdbprocedure (Change the file detail with your schema and table path)

Call the procedure to insert data into people and taxes tablestablespoon.

Copy all files to the rest folder (Fig. 6), [Run on Server] to check if the data can be accessed (Fig. 7) by your account.

Figure 7

Figure 6

Finally, copy all files to your client folder (and change the relative path in these files).

Run index.html or iphone.html. You could see the app is running as displayed in Fig 9, 10.

Figure 9

Figure 10

If the page shows insufficient privilege, give the privilege to p**** user account of yours and then try again.

1:  GRANT EXECUTE,select ON schema "NEO_***" TO p***

[1]. http://scn.sap.com/thread/3644500
[2]. https://github.com/devinea/hana-angular-directory/tree/master/server/db/init_data

A Semantic Web for End Users

A talk from David R. Karger from Haystack group of MIT in ESWC 2013, pointed out the current problem of Semantic Web conferences. Very useful tips for conducting research on Semantic Web.

Too much focus on Semantic, less on the Web

Current focus are mainly on knowledge representation, ontologies and inferences such as topics also discussed and researched from AI community.
Less focus on the Web, which is originally we had to focus on and care about as well as Semantic part.

Lack of applications

Less of papers or demos without screen shot and many of the demo papers not further developed and evaluated and published as paper.
Technology adaption is derive from problems to solve. If we don't have research focus on how to solve end user problems and how to facilitate daily lives with these technologies... there's nothing but time consuming tasks we had done.

He defines Semantic Web Application as:

A Semantic Web application is one whose schema is expected to change.

IFTTT a web platform mentioned in his talk, is an application to do the tasks exactly based on the rules you've defined (If there's my post liked in Facebook, tweet it in Twitter), which is much the same as Semantic Web vision declared while it is conducted. It is providing fixed rules only that each service provider such as Facebook, Instagram etc. could give and users are limited to just select these rules rather than "define" these.

He pointed out instead of putting too much energies on knowledge representation, inference, reasoning or imitate SW applications which are traditional applications just store data as RDF, we need to build applications which could help end users to solve real world problems they have.

FOAF and SIOC applications

FOAF & SIOC applications from Alexandre Passant

It was great slideshare on FOAF & SIOC applications, unfortunately, many of the links for applications are down... It would be great if applications developed within research period could last for long time and create more meaningful effect for the industries and apparently, this is not a trivial work. But also, many commercialized products conducted from research as well in DERI, for example, Sindice, Seevl...

Presentation on "Lots of SIOC Data, Now What?"

Lots of SIOC Data, Now What? from John Breslin

Semantic Web Applications

http://www.bbc.com BBC is one of the first organisations to use linked data, a strategy for connecting online content which helped to deliver its highly successful Olympics coverage. Here, some of the key players in the BBC’s linked data strategy explain how it gives BBC’s online audience the most comprehensive access to all its content.

http://schema.org Schema.org provides a collection of schemas, i.e., html tags, that webmasters can use to markup their pages in ways recognized by major search providers. Search engines including Bing, Google, Yahoo! and Yandex rely on this markup to improve the display of search results, making it easier for people to find the right web pages.

http://dbpedia.org/About DBPedia is a crowd-sourced community effort to extract structured information from Wikipedia and make this information available on the Web.

http://www.geonames.org Geonames is a geographical database available and accessible through various web services, under a Creative Commonsattribution license.

http://www.freebase.com Freebase is a community-curated database of well-known people, places and things. The formal owner Metaweb Technology was acquired by Google in 2010, Google's knowledge graph is powered in part by Freebase.

http://sindice.com Sindice is joint research project among DERI, Fondazione Bruno Kessler, OpenLink software.