KR20130089963A - Method and system for internet real estate loan by using escrow service - Google Patents

Abstract

PURPOSE: A mortgage loan system of internet real estate is provided to supply an internet loan system capable of mediating a real estate mortgage loan of an individual without a financial institution. CONSTITUTION: A mediation system (10) operates a loan system of an individual by communicating a funds donor (1), a funds user (2), a financial institution (20), a law firm (30), an internet registry office (40), an appraisal and assessment cooperation (50), a tax accounting corporation (60), a real estate market price providing organization (70), and a real name confirmation organization (80) with the internet. The funds donor and the funds user register for membership of the mediation system by using the terminals. The mediation system receives collateral information and loan request information of the funds user and confirms the registration information of the collateral from the internet register office. The mediation system requests the settlement of the mortgage as the name of the funds donor on the collateral of the funds user in a law firm server and request to deposit the funds to an account of the funds user to the financial institution after the completion of the settlement. [Reference numerals] (1) Funds donor; (10) Mediation system; (2) Funds user; (20) Financial institution; (30) Law firm; (40) Internet registry office; (50) Appraisal and assessment corporation; (60) Tax accounting corporation; (70) Real estate market price providing organization; (80) Real name confirmation organization; (AA,BB,CC) Internet

Description

Internet mortgage loan system and method using escrow system {METHOD AND SYSTEM FOR INTERNET REAL ESTATE LOAN BY USING ESCROW SERVICE}

The present invention relates to an internet real estate mortgage lending system using an escrow system and a method thereof. More specifically, after the money consumer loan contract of the money demander and the money donor is achieved through an internet brokerage system, the money of the money donor is transferred to the escrow agency. If a mortgage is set in the name of the fund donor in the real estate provided by the fund consumer and deposited into the dedicated account, the technical field of the system and method for the funds deposited by the fund donor into the dedicated account is transferred to the fund consumer's account.

Financial institutions, including banks (hereafter referred to as 'financial institutions'), are banks that take deposits and deposit them and loan them to those who need them.

Financial institutions can distribute funds by brokering those who can afford it (individuals or corporations) and those who need it (individuals or corporations) so that the funds can be used economically.

Institutions make loans to individuals or companies who need them with the funds deposited by depositors and receive interest on loans. Institutions pay depositors interest on deposits. In this process, financial institutions take the difference between deposit interest and loan interest, namely the expected margin.

In the case of credit loans, it is reasonable for financial institutions to take sufficient lending margins because they incur a lot of work burdens such as credit ratings on lenders (individuals or companies), risks on loans and debt management burdens.

On the other hand, real estate mortgage loans have little risk of bad loans, no credit ratings, and when debt is overdue, it is easy to collect bonds through the auction process, so there is little burden on debt management. Is less. In reality, however, financial institutions also have a lot of lending margins on mortgage loans, so that demanders and providers of money pay more than necessary to financial institutions in exchange for a simple brokerage role.

Since financial institutions lend money from deposits, it is natural that lenders receive a lot of interest rates from the lenders, and lending rates also fall if deposit rates fall. It is falling (Korean Economic Newspaper reported September 16, 2011).

In the past, when information and communication technologies such as the Internet were not developed, even if there is a lack of information between those who can afford the funds and those who need the funds, and mutual information can be shared, trade terms such as time, amount and interest rate can be easily achieved. Because of this, there is a problem in that it is difficult to deal directly without a financial institution.

However, with the recent development of information and communication technology, the introduction of a new loan intermediation system that can solve the problem of paying more than necessary to financial institutions as the unspecified majority can share information regardless of time and place. It became necessary.

Internet real estate mortgage lending system and method using the escrow system according to the present invention is devised to solve the above-described problems, has the following problems.

First, it is intended to provide an internet loan system that can broker direct real estate mortgage loans by individuals (or corporations) without going through financial institutions.

Second, unlike credit loans, it is intended to provide a secured and easy-to-collect real estate mortgage system with little waste of time, time or manpower for verifying the credit information of an individual (or corporation).

Third, to provide an internet real estate mortgage lending system and method using an escrow service to ensure the safety of transactions.

Fourthly, to provide a real estate mortgage lending system and method through which the real estate mortgage enforcement process can be performed through the Internet to facilitate the collection of creditors' credit.

Fifth, we will provide an internet real estate mortgage system that can verify the real name of the parties involved, especially the debtor for the safety of transactions.

The problems of the present invention are not limited to those mentioned above, and other problems not mentioned will be clearly understood by those skilled in the art from the following input.

Internet real estate security loan system and method using the escrow system according to the present invention has the following problem solving means for the above-mentioned problem.

An internet real estate mortgage loan system using an escrow system according to the present invention comprises: an internet real estate mortgage lending system for brokering a money donor and a money consumer, comprising: a money donor terminal capable of data communication and used by the money donor; A money consumer terminal capable of data communication and used by the money consumer; And data communication with the money donor terminal and the money demander terminal, so that membership of the money donor and the money demander is made through the money donor terminal and the money demander's terminal, and the money demander and the money donor. If the terms and conditions entered from the mutual agreement with each other, the money consumer and the donor's money consumption loan agreement is concluded, and when the funds are deposited into the fund donor's dedicated account, the deposited funds are deposited. A brokerage system that registers mortgages in the name of the donor of funds for the real estate provided by the fund consumer (hereinafter referred to as 'collateral') and transfers funds from the fund donor's dedicated account to the account of the fund consumer; Characterized in that.

Internet real estate mortgage loan system using the escrow system according to the present invention includes a member management unit for managing the member information of the fund donor and the money consumer; A fund demand unit for managing fund demand information of the fund demander; A fund donor for managing fund donation information of the donor; A transaction history storage unit for managing loan execution history, interest payment history and principal repayment history of the fund consumer; A collateral value evaluation unit for managing collateral value information of the collateral; And an information transfer unit configured to transmit predetermined information to the fund demander and the fund donor.

Internet real estate mortgage loan system using an escrow system according to the present invention further comprises a financial institution server capable of data communication with the intermediary system, providing a financial service to the fund donor, the money consumer and the intermediary system, the financial The institution server may support a virtual dedicated account (the event-only account is issued separately for each transaction) and firm banking, and the fund donor and the consumer of the funds may be sent to the dedicated account. And it may be characterized in that the transmission to the intermediary system.

The information delivery unit of the Internet real estate mortgage loan system using the escrow system according to the present invention, characterized in that for transmitting the predetermined information to the fund donor and the money demander using SMS, MMS, email, instant messenger You can do

Internet real estate mortgage loan system using the escrow system according to the present invention is capable of data communication with the mediation system, further comprising a legal entity server to provide the legal services requested from the mediation system, the mediation system, the legal When the money consumption loan agreement is concluded between the money donor and the consumer through the corporate server, a money consumption loan agreement may be prepared, and a mortgage may be registered and registered on the collateral under the money donor's name.

Internet real estate mortgage loan system using the escrow system according to the present invention is capable of data communication with the mediation system, it may be characterized in that it further comprises an Internet registry server for providing registration information for the collateral to the mediation system .

Internet real estate mortgage loan system using the escrow system according to the present invention is capable of data communication with the mediation system, if the collateral value evaluation request of the collateral from the mediation system, the collateral value evaluation information of the collateral to the mediation system The appraisal server may further include an appraisal company, wherein the intermediary system may transmit a loanable amount, which is an upper limit to an estimated value of the collateral received from the appraisal company, to the terminal of the fund consumer. have.

The Internet real estate security loan system using the escrow system according to the present invention is capable of data communication with the mediation system, if the tax accounting request from the mediation system, further comprises a tax accounting corporation server for paying the tax to be paid by the donor It can be characterized by.

Internet real estate mortgage loan system using the escrow system according to the present invention is capable of data communication with the intermediary system, if there is a request for the quote information of the collateral from the intermediary system, real estate that transmits the quote information of the collateral to the intermediary system Further comprising a price providing agency server, the mediation system may be characterized in that for transmitting the loanable amount of the upper limit of the price of the collateral received from the real estate price providing agency server to the terminal of the fund consumer.

Internet real estate mortgage loan system using the escrow system according to the present invention is capable of data communication with the intermediary system, the person providing the collateral as a person who is not the fund demand (hereinafter, to provide collateral as a person not the fund demander) The terminal further includes a water guarantor terminal of the `` water guarantor, '' wherein the mediation system sets a mortgage for the collateral of the guarantor in the name of the donor when the funds are deposited into the dedicated donor's account. The funds deposited in the fund donor's dedicated account may be transferred to the fund demander's account.

In the intermediary system of the Internet real estate security loan system using the escrow system according to the present invention, when the fund demander deposits interest on the funds in a dedicated account, the interest deposited in the dedicated account is transferred to the fund donor's account. If the interest is not deposited within the interest payment period specified in the loan agreement, the delinquent facts and the interest payment reminder is notified to the terminal of the user of the funds. If the interest is not deposited within a predetermined period after the notification of interest deposit reminding, it may be characterized in that the execution of the collateral proceeds.

The Internet real estate security loan system using the escrow system according to the present invention is capable of data communication with the mediation system, so that if there is a request for confirmation of the real name of the fund donor and the fund consumer from the mediation system, It may be characterized in that it further comprises a real name verification authority server for transmitting the real name identification information.

Internet real estate mortgage loan method using the escrow system according to the present invention is the Internet real estate mortgage lending method that brokers the money donor and the money consumer, (a) the money donor and the money consumer is a member to the brokerage system through the terminal step; (b) loan application information and real estate information are input to the mediation system through the money consumer terminal, and a fund donation application is input to the mediation system from the terminal of the fund donor; (c) receiving, by the intermediary system, registration information of a real estate provided by the money consumer (hereinafter, referred to as 'collateral') through an internet registry server; (d) the brokering system concluding a money consumption loan agreement with the money donor and the money consumer; (e) depositing funds in the fund donor-only account; (f) the mediation system establishing a mortgage on the collateral in the name of the fund donor; And (g) transferring the funds deposited by the fund donor to the dedicated account to the fund consumer's account.

In step (f) of the internet real estate mortgage lending method using the escrow system according to the present invention, the brokerage system may be characterized in that the mortgage is set in the name of the fund donor for the collateral through a legal corporation server.

Internet real estate mortgage loan method using the escrow system according to the present invention may be characterized in that after the step (e), the server of the financial institution further comprises the step of transmitting the money deposit information to the intermediary system.

Internet mortgage loan method using the escrow system according to the present invention, after the step (a), characterized in that the brokerage system further comprises the step of checking the real name of the fund donor and the money demander from the real name verification agency server can do.

Internet real estate mortgage loan method using the escrow system according to the present invention, after the step (c), the brokerage system checks the price of the collateral from the real estate quote provider server, the upper limit of the price of the collateral to the money buyer It may be characterized in that it further comprises the step of presenting the loanable amount.

In the Internet real estate collateral loan method using the escrow system according to the present invention, after step (c), the brokerage system evaluates the collateral value of the collateral from the appraisal corporation server, and the appraiser evaluates the collateral It may be characterized in that it further comprises the step of presenting the loanable amount to the upper limit.

Internet real estate mortgage loan method using the escrow system according to the present invention comprises the steps of (g), (h) depositing interest into the dedicated account of the fund consumer; And (i) the intermediary system may further include transferring the interest deposited in the dedicated account of the fund consumer to the fund donor's account.

Internet real estate mortgage loan method using the escrow system according to the present invention may further comprise the step of paying income tax due to interest income of the fund donor through the tax accounting corporation server after step (h). .

Internet mortgage loan method using the escrow system according to the present invention, if the interest deposit is delayed from the fund demander to the dedicated account of the fund demander after the step (g), the brokerage system is overdue interest to the money demander terminal The method may further include transmitting the deposit reminding information.

Internet real estate mortgage loan method using the escrow system according to the present invention, even if the mediation system does not receive interest deposit from the money demander even after transmitting the delinquent interest payment reminder information to the money demander terminal, the mediation system is the money demander Notifying the terminal and the terminal of the donor of the execution of the collateral; The mediation system proceeding with enforcement of the collateral through the internet registry server; When the execution procedure is finished, the mediation system deposits the secured bond amount to the fund donor's account to the fund donor, and deposits the remaining amount of the secured bond deduction from the sale of the collateral to the account of the fund demander. It may be characterized in that it further comprises.

Internet mortgage loan method using the escrow system according to the present invention, after the step (g), if part or all of the overdue interest and funds remain until the expiration of the money consumption loan contract period, the brokerage system is said Notifying the terminal and the terminal of the donor of the execution of the collateral; The mediation system proceeding with enforcement of the collateral; When the execution procedure is finished, the mediation system deposits the amount of the secured bond of the donor into the account of the donor and deposits the remaining amount of the secured bond deducted from the sale of the collateral into the account of the fund consumer. It may further include.

Internet mortgage loan method using an escrow system according to the present invention, after the step (g), when the money consumption loan contract expires and there is no arrears of the money consumer, the mediation system is the money consumer and the Notifying the terminal of the money donor of the expiration of the money spending loan agreement; The mediation system erases the mortgage in the name of the donor of the security; The mediation system may further include informing the money consumer terminal and the money donor terminal of the termination of the mortgage setting and the end of the money consumption loan contract.

Internet real estate mortgage loan method using the escrow system according to the present invention is a collateral of a person who provides collateral as a person who is not the fund demand (hereinafter referred to as a 'guaranteor') In the case of including the provision, the step (a) is a member to the mediation system through the water guarantee delivery terminal, the step (c), the brokerage system is provided by the property guarantee (hereinafter, the Also, the real estate is referred to as a register of 'collaterals', and the step (f) may be characterized in that the mortgage is set in the name of the donor of the collateral provided by the property guarantor.

In the Internet real estate mortgage loan method using the escrow system according to the present invention, when the money donor or the money consumer changes the contents of the money-consumption loan agreement, the application for the change of the contract is made through the money donor terminal or the terminal of the money consumer. Registering with the mediation system; The mediation system transmitting the contract content change to the money donor terminal or the money consumer terminal; Transmitting a signal of consent or rejection of the contents of the contract change to the mediation system through the fund donor terminal or the fund consumer terminal; When the mediation system receives the consent signal, the content of the money consumption loan agreement is changed according to the contents of the changed contract, and the result of the change is transmitted to the fund donor terminal and the fund consumer terminal, wherein the mediation system is configured to perform the agreement. When receiving a reject signal, the method may further include transmitting the contents of the contract to the fund donor terminal and the fund consumer terminal.

Internet real estate mortgage loan system and method using the escrow system according to the present invention having the above configuration has the following effects.

Firstly, real estate mortgage loans are made directly between individuals (or corporations) through the Internet. There is no cost paid to financial institutions, and it provides the effect of freely selecting loan amounts, interest rates, and loan periods between parties.

Second, there is no problem incurred by verifying the creditworthiness of an individual (or corporation), and it is easy to collect bonds through enforcement of real estate collateral.

Third, the use of escrow service provides the effect of ensuring the safety of transactions.

Fourth, the real estate mortgage enforcement process can be carried out through the Internet, providing an effect that enables easier collection of bonds.

Fifth, through the verification of the real name of the party through the public institution, it guarantees the trust between the parties and provides the effect of ensuring the safety of the transaction.

The effects of the present invention are not limited to those mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the following inputs.

1 is a conceptual diagram of an internet real estate security loan system using an escrow system according to a preferred embodiment of the present invention.
2 is a conceptual diagram illustrating a security state of an intermediary system that is one component of the present invention.
3 is a conceptual diagram illustrating a process of membership and real name verification of a donor and a fund purchaser in an internet real estate mortgage loan system and method using an escrow system according to a preferred embodiment of the present invention.
4 is a conceptual diagram illustrating a loan application process of a fund donor and a fund consumer through an intermediary system that is one component of the present invention.
FIG. 5 is a conceptual diagram illustrating a process of concluding a loan for money consumption by a donor and a money consumer through an intermediary system that is one component of the present invention.
FIG. 6 is a conceptual diagram illustrating a process of transferring funds and establishing a mortgage using an escrow service after concluding a money consumption loan agreement between a donor of funds and a consumer of a fund through an intermediary system as one component of the present invention.
FIG. 7 is a conceptual diagram illustrating a process in which a fund demander pays interest to a fund donor after concluding a money consumption loan agreement between a fund donor and a fund demander through an intermediary system as one component of the present invention.
8 is a conceptual diagram illustrating a process that proceeds when the interest payment by the money demander is overdue after the money donor and the money demander conclude a money consumption loan agreement through an intermediary system as one component of the present invention.
9 is a conceptual diagram illustrating a process that proceeds when the money consumption loan contract of the donor and the fund demander is completed through an intermediary system that is one component of the present invention.

As used herein, the singular " include "should be understood to include a plurality of representations unless the context clearly dictates otherwise, and the terms" comprises & , Parts or combinations thereof, and does not preclude the presence or addition of one or more other features, integers, steps, components, components, or combinations thereof.

Hereinafter, with reference to the drawings, it will be described in detail the system and method for secured Internet real estate loan using the escrow system according to the present invention.

1 is a conceptual diagram of an internet real estate security loan system using an escrow system according to a preferred embodiment of the present invention. 2 is a conceptual diagram illustrating a security state of a security system as one component of the present invention. 3 is a conceptual diagram illustrating a process of membership and real name verification of a donor and a fund purchaser in an internet real estate mortgage loan system and method using an escrow system according to a preferred embodiment of the present invention. 4 is a conceptual diagram illustrating a loan application process of a fund donor and a fund consumer through an intermediary system that is one component of the present invention. FIG. 5 is a conceptual diagram illustrating a process of concluding a loan for money consumption by a donor and a money consumer through an intermediary system that is one component of the present invention. FIG. 6 is a conceptual diagram illustrating a process of transferring funds and establishing a mortgage using an escrow service after concluding a money consumption loan agreement between a donor of funds and a consumer of a fund through an intermediary system as one component of the present invention. FIG. 7 is a conceptual diagram illustrating a process in which a fund demander pays interest to a fund donor after concluding a money consumption loan agreement between a fund donor and a fund demander through an intermediary system as one component of the present invention. 8 is a conceptual diagram illustrating a process that proceeds when the interest payment by the money demander is overdue after the money donor and the money demander conclude a money consumption loan agreement through an intermediary system as one component of the present invention. 9 is a conceptual diagram illustrating a process that proceeds when the money consumption loan contract of the donor and the fund demander is completed through an intermediary system that is one component of the present invention.

The escrow system (or escrow service) is a transaction safety device that deposits the buyer's payment to a third party and then pays the seller to the seller after delivery is completed.

While explaining the Internet real estate mortgage loan method using the escrow system according to the present invention, it will be described in detail the functions of the components performing each step.

The present invention is an internet real estate mortgage lending method for brokering a money donor and a money demander, wherein (a) the money donor and the money demander are subscribed to the intermediary system 10 through the terminals 1, 2.

As shown in FIG. 3, through the donor terminal 1, the donor applies for membership to the intermediary system 10. The donor enters his / her name, social security number (or i-pin) at the time of membership registration and establishes a password.

A fund consumer is a person who owns real estate such as apartments, houses, land or forests, and who can use the Internet to make money and trade (natural or legal persons) who wants to borrow money through a loan agreement.

A fund donor is a person who owns funds and wants to earn interest through the financing of money consumption loans.

The terminals referred to in the money donor terminal 1 and the money demander terminal 2 are terminals capable of data communication via the Internet such as a desktop PC, a smartphone, a laptop PC or a tablet PC, and the types thereof are not limited.

The mediation system 10 is capable of data communication with the money donor terminal 1, the money demander terminal 2, the financial institution server 20, the legal corporation server 30, and the internet registry server 40 via the wired or wireless Internet.

As shown in FIG. 2, when the mediation system 10 is connected to the financial institution server 20 through the Internet, the mediation system 10 passes through two levels of firewalls 23 and 24, and the mediation system 10 includes two webs. The server 24 may be used as a redundant device. You can use two database servers, one as a backup server. The mediation system 10 is installed in a dedicated internet data center (IDC), and it is preferable that the mediation system 10 is constructed as a secured and stabilized system using IDC paid security services such as intrusion detection and antivirus. The intermediary system 10 may be connected to the financial institution server 20 and the Internet as well as a dedicated line, and it is preferable to apply an encryption module to enhance security.

The mediation system 10 receives membership of the fund demander and the fund donor as described above. When receiving the membership of the fund demander and the donor through the terminals 1 and 2, the register information is received from the Internet registry server 40 through the collateral information provided by the fund demander.

The intermediary system 10 concludes a money consumption loan agreement when the conditions of the parties to the money consumption loan of the money donor and the money consumer are matched, and transmits it to the legal entity server 30 to request the preparation of the money consumption loan agreement. .

The intermediary system 10 obtains and shows the loan and deposit interest rates posted by the disclosure officers of the bank from the Bank Association website in order to help the interest rate decision of the fund demander and the donor. The money consumer and the donor can confirm the terms of the presentation of each other, and propose and negotiate amendments (interest rate, period, etc.) within the intermediary system 10. However, in this process, the fund demander and the donor cannot identify the specifics of the other party, and thus cannot exchange information with each other without passing through the intermediary system 10. If the other party agrees on the proposed proposal, the contract is concluded.

When the financial institution server 20 transmits the money deposit information to the mediation system 10, the mediation system 10 transmits the money deposit information to the legal entity server. When the legal entity server 30 notifies the collateral of the mortgage registration registration in the name of the fund donor, the mediation system 10 transfers the funds deposited in the fund donor-only account through the financial institution server 20 to the account of the fund consumer. Let's do it.

When the intermediary system 10 receives the interest deposit information from the financial institution server 20 to the dedicated account of the fund demander, the intermediate system 10 transfers the interest deposited into the dedicated fund accountant to the fund donor account. Since the money demander deposits interest in the dedicated virtual account number granted for each transaction, the brokerage system 10 may recognize the transaction and automatically process the transaction.

However, some financial institutions do not support the virtual dedicated account service. In this case, a dedicated identification number assigned to each customer may be used instead of the dedicated virtual account. Therefore, in the present invention, a virtual dedicated account is provided for each customer, but if the financial institution does not support the virtual dedicated account service, it may be replaced with a dedicated identification number service.

If the intermediary system 10 does not receive the interest payment information from the financial institution server 20 into an account dedicated to the fund consumer within the interest payment period (meaning the interest payment period agreed between the fund consumer and the fund donor), the money demand terminal ( 2) transmits the interest delinquent and sends information to encourage payment;

The mediation system 10 transmits the contract expiration fact to the money consumer terminal 2 and the money donor terminal 1 when the term of the money consumption loan agreement expires. In this case, when the fund consumer deposits all the amounts to be repaid including interest and funds (principal) into the dedicated account, the brokerage system 10 uses the legal entity server 30 to set up mortgages in the name of the fund donor. The mortgage will be erased on the consumer's collateral.

When the principal or arrears remain at the expiration of the loan agreement period, the mediation system 10 transmits the information requesting the payment to the money consumer terminal 2. If the money demander does not pay the arrears to the dedicated account, the brokerage system 10 proceeds with the legal entity server 30 to enforce the collateral, and the execution of the collateral is carried out. And the donor terminal 1.

When the enforcement process for the collateral is completed and the effect of the transfer of the right to the collateral occurs, the mediation system 10 uses the financial institution server 20 to secure the secured bond (interest, delinquent interest, principal, etc.) of the donor. After depositing into the account and depositing the remaining amount into the fund consumer's account, the information to inform the fund donor terminal (1) and the fund consumer terminal (2) of the completion of the execution procedure and the deposit of the fund donor and the fund consumer into the account. Send it.

 The money consumer and the donor can register with the intermediary system 10 to request the other's consent if they want to extend the contract term or change the terms. When the corresponding content is registered in the mediation system 10, the mediation system 10 guides the contents to the other party using SMS, email, and the like. When the other party accesses the intermediary system 10 and registers the agreement, the extension of the contract period and the change of the terms are confirmed.

According to the present invention, the mediation system 10 includes a member management unit; Fund demand; Funding; Transaction history storage; Collateral value assessment; And an information transfer unit.

The member management unit is a component that manages (stores, modifies, renews, etc.) the member information of the donor and the fund consumer. Member information includes personal information, contact information and passwords for access to the brokerage system. The information on the members of the fund demander and the donor is mutually unknown, and only the mutually presented contractual terms, that is, the information on the fund demand and the donor, are available.

The money demand part is a component in which money demand information of the money demander is managed (stored, modified, updated, etc.). The fund demand department manages the fund demand information requested by the fund buyer (real estate collateral status, required amount of funds, period of money used, desired interest rate, and other information).

Fund donation is a structure in which the donor information of the donor is managed (stored, modified, updated, etc.). The fund donor manages the funding information (such as donor amount, funding period, desired interest rate, and other information) requested by the donor.

Transaction history storage is a structure that manages the details of loan execution, interest payment history and principal repayment details (archive, modification, renewal, etc.).

The collateral valuation department is a component that manages (stores, modifies, renews, etc.) the value of the collateral based on the registration information of the collateral presented by the fund consumer.

The information delivery unit is configured to deliver information to all components capable of data communication with an intermediary system. In particular, the money donor terminal and the money consumer terminal may use the SMS, MMS, email, instant messenger, etc. The predetermined information can be delivered to the consumer.

The predetermined information here includes all the information regarding the initiation of the procedure, the progress of the procedure, and the completion of the procedure proceeding through the mediation system 10.

After step (a), (b) loan application information and real estate information are input to the mediation system through the money consumer terminal, and a fund donation application is input to the mediation system from the terminal of the fund donor.

The fund donor enters the amount of funds that can be provided, the desired term of the loan agreement, and the desired rate of interest. All information is encrypted and stored in the mediation system 10. The fund donor inputs the above information into the intermediary system 10 through the terminal 1 and makes an application for fund donation. Conversely, a fund donor may refer to the inputs made by the fund consumer to determine whether it meets its terms and may choose to apply for the fund demand of the fund consumer to fulfill the contract.

As shown in FIG. 3, the money consumer also applies for membership to the mediation system 10 through the money consumer terminal 2. Fund users also enter their name, social security number (or i-pin) at the time of membership registration, set a password, and enter the collateral information to be provided when the funds are borrowed.

Here, the collateral may mainly include real estate, but may also include all objects that can be set for mortgages under special laws such as ships, cars, or factories. The fund consumer enters loan application information such as the desired amount of money, the desired period of money loan contract, and the desired interest rate. All information is encrypted and stored in the mediation system 10. The money consumer enters into the mediation system 10 through the terminal 2 and makes a request for desired funds. Conversely, the fund consumer may consult the input of the fund donor to determine if it meets his or her requirements, and select the donor's application for funding to fulfill the contract.

After step (b), (c) the intermediary system receives registration information of real estate provided by the money consumer (hereinafter referred to as 'collateral') through the Internet registry server. And (d) the intermediary system enters into a money-consumption loan agreement with the donor and the consumer of the funds, and (e) the funds are deposited into the donor-only account; And (g) the intermediary system then transfers the funds deposited by the donor to the dedicated account to the fund's account.

A financial institution refers to an institution that performs loans such as banks, opens a virtual dedicated account to customers, and supports firm banking. Firm banking is a service provided by a bank for a company. It is a system that connects a company's computer or terminal device with a computer of a trading financial institution through a communication line so that a company can receive various bank services. Confirmation of deposit details. In addition, a fund demander or a fund donor can make a number of transactions using the Internet real estate mortgage loan system using the escrow system according to the present invention and opens a dedicated account for the fund donor and the fund demander for each transaction.

The financial institution server 20 communicates with the intermediary system 10 to provide financial services to the money donor and the money consumer. The financial institution server 20 transmits the money deposit information to the broker donor's dedicated account to the intermediary system 10 when the fund donor deposits the funds in the fund donor's dedicated account. When the bank transfer instruction is issued from the mediation system 10 to the account of the money consumer, the financial institution server 20 transfers the money to the account of the money consumer.

In addition, the financial institution server 20 transmits interest payment information of the money demander to the mediation system 10 when the money demander deposits interest in a dedicated account of the money demander, and then the mediation system 10 receives an interest transfer instruction. The interest transferred to the fund's dedicated account is then transferred to the fund donor's account.

The internet registry server 40 communicates with the mediation system 10 and the legal corporation server 30 via internet data communication. Provide information on the registration of the collateral provided by the consumer of the fund to secure the security right. That is, the registration information of the title, the head, and the ball of the register is provided to the mediation system 10 in a computerized manner.

The internet registry server 40 provides a right change service for real estate when requested by the legal corporation server 30. Specifically, the legal entity server 30 registers the mortgage set-up in the name of the donor of the mortgage, if there is a request for registration of the mortgage in the name of the donor. Proceed.

The Internet registry server 40 automatically checks whether or not the user using the screen scraping technology with information inputted by the consumer of the funds into the mediation system 10, or the legal person in charge can directly query.

Step (f) of the Internet real estate mortgage loan method using the escrow system according to the present invention, characterized in that the intermediary system 10 through the law firm server 30, to set up the mortgage for the collateral in the name of the fund donor Can be.

Legal entity server 30 provides data legal services to fund donors and money demanders in data communication with mediation system 10.

Legal entity server 30 receives the contract information from the intermediary system 10 when the money consumption loan agreement of the donor and the money consumer is concluded. Upon receiving the contract information, the legal entity server 30 prepares a loan agreement for money consumption, and provides information for guiding the implementation of the money loan agreement concluded with the money donor terminal 1 and the money consumer terminal 2. Will be sent.

Specifically, the money donor terminal 1 transmits the amount of funds to be provided, when the funds are deposited, the contract period, the interest rate, and the implementation details according to the agreement between the parties. We send necessary amount of money, condition for deposit of money, contract term, interest rate, mortgage setting registration.

When the legal entity server 30 receives the deposit information of the funds indicating that the funds have been transferred to the fund donor's account from the intermediary system 10, the mortgage registration registration process is performed in the name of the donor for the real estate provided by the fund consumer. do. In this case, the legal corporation server 30 uses the internet registry server 40. When the mortgage setting registration is completed in the name of the fund donor, the mortgage setting is transmitted to the intermediation system 10.

Therefore, according to the present invention, the Internet real estate mortgage loan system using the escrow system is an internet real estate mortgage loan system which brokers the money donor and the money consumer using the escrow system as shown in FIG. ); A money consumer terminal 2; Financial institution server 20; Legal corporation server 30; An internet registry server 40; And an intermediary system 10.

According to the present invention, the method of loaning an internet real estate mortgage using the escrow system may further include the step of transmitting the money deposit information to the brokerage system 10 by the server 20 of the financial institution as described above. It may be.

In accordance with the present invention, the Internet real estate security loan method using the escrow system, as shown in Figure 3, after the step (a), the brokerage system 10 is the real name of the money donor and the money consumer from the real name verification authority server 80 It may further comprise the step of checking.

Therefore, according to the present invention, the Internet real estate security loan system using the escrow system may further include a real name verification authority server (80).

The real name confirmation authority server 80 is capable of data communication with the mediation system 10, and transmits the real name verification information to the mediation system 10 when the real name verification request of the fund donor and the fund consumer is requested from the mediation system 10. . Examples of real name verification agencies include NICE Credit Rating Information, Seoul Credit Rating Information, and Korea Credit Bureau.

In the real name verification method, the name, social security number, i-pin, password, etc. provided by the funder, the donor or the water guarantor are used to verify the real name.

Internet real estate mortgage loan method using the escrow system according to the present invention, after step (c), the intermediary system 10 checks the price of the collateral from the real estate quote provider server 70, and the value of the collateral to the money consumer It may further comprise the step of presenting the loanable amount to the upper limit. In other words, the amount of the loanable loan with the upper limit of the market price of the collateral is presented on the terminal 2 of the fund consumer.

The real estate price providing agency server 70 is capable of data communication with the mediation system 10, and if there is a request for the price information of the collateral from the mediation system 10, it transmits the price information of the collateral to the mediation system 10. Representative examples of real estate quote providers are the Ministry of Land, Transport and Maritime Affairs, KB Kookmin Bank, and Real Estate Bank.

The intermediary system 10 that receives the price of the collateral from the real estate price providing agency server 70 transmits a loanable amount of money with the maximum price of the collateral to the money consumer terminal 2.

In accordance with the present invention, the Internet real estate mortgage loan method using the escrow system is, after step (c), the mediation system 10 evaluates the collateral value of the collateral from the appraisal corporation server 50, and sends the collateral to the fund consumer. The method may further include presenting a loanable amount with an upper limit on the evaluated evaluation.

The appraisal corporation server 50 is capable of data communication with the mediation system 10, and if there is a request for valuation of the collateral from the mediation system 10, it transmits the collateral valuation information of the collateral to the mediation system 10. In this case, the intermediary system 10 notifies the money requester terminal 2 of the loanable amount which has an upper limit on the evaluated value of the collateral received from the appraisal corporation server 50.

In accordance with the present invention, the method for escrowing an internet real estate using the escrow system includes the steps of: (g), and (h) depositing interest into a dedicated account of the fund consumer; And (i) the intermediary system 10 may further comprise transferring interest deposited in the dedicated account of the fund consumer to the fund donor's account.

As shown in FIG. 7 and as described above, the financial institution server 20 transmits the interest depositor's interest deposit information to the brokerage system 10 when the fund demander deposits interest into the fund consumer's dedicated account, and then mediates. When the system 10 indicates an interest transfer instruction, the interest deposited in the fund consumer's dedicated account is transferred to the fund donor's account.

In accordance with the present invention, the Internet real estate mortgage loan method using the escrow system, after step (h), the brokerage system 10 further pays the income tax due to interest income of the fund donor through the tax accounting corporation server 60 It may include.

The tax accounting corporation server 60 is capable of data communication with the mediation system 10 and the financial institution server 20, so that when a tax accounting request is made from the mediation system 10, the tax to be paid by the fund donor (from the fund consumer). The tax on interest income) is paid to the IRS server.

The tax accounting corporation server 60 pays the tax on the interest income of the money donor. When the interest of the money consumer is deposited into the fund consumer's exclusive account, the tax on the interest income is paid to the IRS server and the tax is deducted. Only the remaining amount can be deposited into the donor's account, or alternatively, the interest deposited in the funder's dedicated account can be deposited into the donor's account and then withdrawn from the donor's interest income. That is, there are no restrictions on how and in which taxes are paid on interest income.

The tax accounting firm server 60 is capable of data communication with the financial institution server 20 to grasp the interest income of the fund donor, so that the amount of interest deposited in the dedicated funder's account and the amount of interest deposited in the fund donor's account can be obtained. Can be viewed.

According to the present invention, as described above, the Internet real estate mortgage loan method using the escrow system, after the step (g), when the interest deposit is delayed from the fund demander to the dedicated account of the fund demander, the brokerage system is delinquent to the money demander terminal. The method may further include transmitting interest deposit reminding information.

And, according to the present invention, the Internet real estate mortgage loan method using the escrow system, even if the intermediary system 10 does not receive interest deposit from the money consumer even after transmitting the delinquent interest payment reminder information to the money consumer terminal (2), The system 10 notifies the money consumer terminal 2 and the money donor terminal 1 of the execution of the collateral for the collateral; The mediation system 10 includes the steps of executing the security procedure for the collateral through the Internet registry server 40; Upon completion of the enforcement process, the intermediary system 10 may further include depositing the security bonds to the fund donor's account to the fund donor and depositing the remaining amount deducted from the security sale into the account of the fund consumer. have.

The enforcement process is also possible through the mediation system 10 directly through the Internet registry server 40, but the enforcement process requires legal knowledge of the Civil Enforcement Law, it is preferable to proceed through the business cooperation of the legal entity server 30 In the present invention, it is also possible to proceed with the enforcement process for the collateral through the legal entity server (30).

In addition, in the Internet real estate mortgage loan method using the escrow system according to the present invention, even if the mediation system 10 does not receive interest deposits from the money consumer even after transmitting the delinquent interest payment reminder information to the money consumer terminal (2), brokerage system 10, notifying the money consumer terminal 2 and the donor terminal 1 of the execution of the collateral; The mediation system 10 includes the steps of executing the security procedure for the collateral through the Internet registry server 40; At the end of the execution procedure, the intermediary system 10 deposits the secured bonds to the fund donor's account and deposits the remaining amount of the secured credits from the sale of the collateral to the fund consumer's account.

In accordance with the present invention, the Internet real estate mortgage loan method using the escrow system is, after step (g), if some or all of the overdue interest and funds remain until the expiration of the loan agreement period, the brokerage system 10 is a fund buyer Notifying the terminal 2 and the donor terminal 1 of the execution of the collateral for the security; The mediation system 10 includes proceeding with the enforcement procedure for the collateral; At the end of the enforcement process, the intermediary system 10 may further include depositing the security bond of the donor into the account of the fund donor and depositing the remaining amount of the security bond deducted from the security sale into the account of the fund consumer. have.

In accordance with the present invention, the Internet real estate mortgage loan method using the escrow system is, after step (g), when the period of the money loan contract expires and there is no arrears of the money consumer, the intermediary system 10 is the money consumer and the money donor. Notifying the terminal (1, 2) of the expiration of the money consumption loan agreement; The intermediary system 10 includes erasing the mortgage in the name of the donor of the money for the collateral; The intermediary system 10 may further include informing the money consumer terminal 2 and the money donor terminal 1 of the termination of the mortgage setting and the end of the loan.

Internet real estate mortgage loan method using the escrow system in accordance with the present invention is the collateral of the person who provides the collateral as a person who is not a demand for money (hereinafter referred to as a 'guaranteor') In the case of including the provision, step (a) is a member to the mediation system through the water guarantee delivery terminal, step (c), the intermediary system 10 the real estate provided by the water guarantor (hereinafter referred to as the real estate) Also, a register of 'collaterals' may be received, and step (f) may be characterized in that the mortgage is set in the name of the fund donor.

The water guarantor terminal is also capable of data communication with the mediation system 10. However, it is not intended to be loaned like a fund consumer, and is in a position to provide only collateral for the fund demander, and thus is not a direct party participating in the loan agreement. Therefore, the same procedure as the fund consumer, but the water assured does not necessarily have to receive the principal repayment and interest payment reminder information from the brokerage system 10 because there is no liability, that is, the obligation to repay the principal, the interest payment obligation. However, the water guarantor also needs to repay the principal and pay interest to prevent the execution of his collateral as a stakeholder.

Accordingly, the internet registry server 40 provides the registration information, mortgage right setting and erasure registration service of the collateral of the water guarantor, and the intermediary system 10 receives the money deposit information from the financial institution server 20 into the dedicated fund donor's account. When the legal entity server 30 requests the mortgage to be set up in the name of the donor of the mortgage, the financial institution server 20 receives the completion of the mortgage setting on the mortgage of the physical insurer. Will ask you to transfer the funds deposited into the donor's dedicated account to the fund's account.

In accordance with the present invention, the method of loaning an Internet real estate using the escrow system is that when the donor or the consumer of the money changes the contents of the loan agreement, the application for the change of the contract is applied to the donor terminal 1 or the terminal of the fund consumer (2). Registering with the mediation system (10) through; The mediation system 10 transmits the contract contents change to the money donor terminal 1 or the money demander terminal 2; A signal of consent or rejection of the contents of the contract change is transmitted to the intermediary system 10 through the money donor terminal 1 or the money consumer terminal 2; When the mediation system 10 receives the consent signal, the contents of the money-consumption loan contract are changed according to the contents of the changed contract, and the result of the change is transmitted to the fund donor terminal 1 and the fund consumer terminal 2, but the mediation system When the 10 receives the rejection signal, the method may further include transmitting to the fund donor terminal 1 and the fund consumer terminal 2 that the contract content is not changed.

Internet real estate mortgage loan system and method using the escrow system according to the present invention can be variously modified and have various embodiments, specific embodiments will be illustrated in the drawings and described in detail in the detailed description. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

The scope of the present invention is determined by the matters entered in the claims, and the parentheses used in the claims are not entered for selective limitation, but are used for clarity of elements, and the inputs in parentheses are also essential elements. Should be interpreted as

1: fund donor terminal
2: fund consumer terminal
10: mediation system
11: router
12: L4 switch
13, 24: firewall
15: web server
16: database server
20: financial institution server
30: Legal Corporation Server
40: Internet registry server
50: appraisal corporation server
60: Tax accounting firm server
70: real estate ticker server
80: real name verification authority server

Claims (26)

In the Internet real estate mortgage lending system that brokers fund donors and money demanders,
A fund donor terminal capable of data communication and used by the fund donor;
A money consumer terminal capable of data communication and used by the money consumer; And
Data communication is possible with the money donor terminal and the money demander terminal, so that membership of the money donor and the money demander is made through the money donor terminal and the money demander's terminal, and from the money demander and the money donor If the terms of the agreements are mutually agreed, a contract for the consumption of money between the money demander and the donor is concluded, and a dedicated account of the donor (if the dedicated account does not support the virtual dedicated account service of the financial institution). If funds are deposited in a dedicated identification number service), the funds are deposited and the funds donor's name for the property provided by the fund consumer (the property is hereinafter referred to as 'collateral'). Register mortgage in Internet mortgage system comprises a mediation system to transfer funds in the account to the account of the consumer's money.
The method of claim 1, wherein the mediation system,
A member manager for managing member information of the fund donor and the fund consumer;
A fund demand unit for managing fund demand information of the fund demander;
A fund donor for managing fund donation information of the donor;
A transaction history storage unit for managing loan execution history, interest payment history and principal repayment history of the fund consumer;
A collateral value evaluation unit for managing collateral value information of the collateral; And
And an information transfer unit configured to transmit predetermined information to the fund demander and the fund donor.
According to claim 1, The Internet real estate security loan system,
Further comprising a financial institution server capable of data communication with the intermediary system, providing a financial service to the fund donor, the fund consumer and the intermediary system,
The financial institution server may support a virtual dedicated account (the casual dedicated account is issued separately for each transaction) and firm banking. Internet real estate mortgage loan system characterized in that the transmission to the consumer terminal and the brokerage system.
The method of claim 2, wherein the information transfer unit,
Internet real estate mortgage lending system, characterized in that for transmitting the predetermined information to the fund donor and the money demander using SMS, MMS, email, instant messenger.
According to claim 1, The Internet real estate security loan system,
Further comprising a legal entity server capable of data communication with the mediation system, providing a legal service requested from the mediation system,
The mediation system,
When the money consumption loan agreement is concluded between the money donor and the consumer through the legal corporation server, a money consumption loan agreement is prepared, and the mortgage is set for the collateral under the name of the money donor. Loan system.
According to claim 1, The Internet real estate security loan system,
The Internet real estate mortgage loan system, further comprising: an internet registry server capable of data communication with the mediation system to provide registration information for the collateral to the mediation system.
According to claim 1, The Internet real estate security loan system,
The appraisal system may further include an appraisal corporation server configured to perform data communication with the intermediary system and to transmit the collateral valuation information of the collateral to the intermediary system when the collateral valuation of the collateral is requested from the intermediary system.
The mediation system,
Internet loan security system, characterized in that for transmitting the loanable amount of the upper limit of the estimated value of the collateral received from the appraisal evaluation corporate server to the terminal of the fund consumer.
According to claim 1, The Internet real estate security loan system,
And a tax accounting corporation server capable of data communication with the mediation system and paying the tax to be paid by the fund donor when a tax accounting request is made from the mediation system.
According to claim 1, The Internet real estate security loan system,
The real estate price providing agency server which is capable of data communication with the mediation system and transmits the price information of the collateral to the mediation system when a request for the price information of the collateral is received from the mediation system,
The mediation system,
An internet real estate mortgage lending system, characterized in that for transmitting a loanable amount of up to the price of the collateral received from the real estate quote provider server to the terminal of the fund consumer.
According to claim 1, The Internet real estate security loan system,
It is possible to perform data communication with the mediation system, and the terminal of the water guarantor of the person who provides the collateral as a person who is not the fund demander (hereinafter, the person who provides the collateral as a person who is not the fund demander is referred to as a 'guarantee'). Including,
The mediation system,
When the funds are deposited into the dedicated fund donor's account, mortgages are set for the collateral of the property guarantor in the name of the fund donor, and the funds deposited into the dedicated donor's account of the fund donor are transferred to the account of the fund demander. Internet Real Estate Mortgage Loan System.
The method of claim 1, wherein the mediation system,
When the fund consumer deposits interest on the funds in a dedicated account, the interest deposited in the dedicated account is transferred to the fund donor's account, and interest is not deposited within the interest payment period specified in the money-consumption loan agreement. If not, characterized in that the transfer of the interest arrears sent to the terminal of the consumer of the funds and notification of interest deposits,
And, if the interest is not deposited within a predetermined period of time after the transfer of the interest overdue and the interest deposit reminding notification, the execution procedure for the collateral is carried out.
According to claim 1, The Internet real estate security loan system,
It is possible to perform data communication with the intermediary system, if there is a real name confirmation request of the fund donor and the fund consumer from the intermediary system, further comprises a real name verification authority server for transmitting the real name identification information of the fund donor and the fund consumer; Internet real estate mortgage loan system, characterized in that.
In the Internet real estate mortgage lending method to broker money donors and money demanders,
(a) the fund donor and the fund purchaser being subscribed to a mediation system through a terminal;
(b) loan application information and real estate information are input to the mediation system through the money consumer terminal, and a fund donation application is input to the mediation system from the terminal of the fund donor;
(c) receiving, by the intermediary system, registration information of a real estate provided by the money consumer (hereinafter, referred to as 'collateral') through an internet registry server;
(d) the brokering system concluding a money consumption loan agreement with the money donor and the money consumer;
(e) depositing funds in the dedicated fund donor-only account (the dedicated account may also be replaced by a dedicated identification number service if the financial institution does not support virtual dedicated account services);
(f) the mediation system establishing a mortgage on the collateral in the name of the fund donor; And
(g) the intermediary system includes the step of transferring the funds deposited by the fund donor to the dedicated account to the account of the fund consumer.
The method of claim 13, wherein step (f) comprises:
And the brokerage system sets a mortgage on the collateral in the name of the fund donor through a legal corporation server.
The method of claim 13, wherein after step (e):
The server of the financial institution further comprises the step of transmitting the money deposit information to the intermediary system.
The method of claim 13, wherein the Internet real estate security loan method,
After the step (a), the mediation system further comprises the step of confirming the real name of the money donor and the money consumer from a real name verification agency server.
The method of claim 13, wherein the Internet real estate security loan method,
After the step (c), the brokerage system further comprises the step of checking the price of the collateral from the real estate price providing agency server, and presenting a loanable amount of money with the upper limit of the price of the collateral to the fund consumer. Internet mortgage loan method.
The method of claim 13, wherein the Internet real estate security loan method,
After the step (c), the mediation system further evaluates the collateral value of the collateral from the appraisal corporation server, and presents the borrower with the loanable amount as an upper limit on the appraised valuation of the collateral. Internet real estate mortgage loan method characterized in that.
The method of claim 13, wherein the Internet real estate security loan method,
after step (g),
(h) depositing interest into the fund's dedicated account; And
(i) the intermediary system further comprises transferring interest deposited in the dedicated account of the fund consumer to the fund donor's account.
The method of claim 19, wherein the Internet real estate mortgage loan method,
After the step (h), the brokerage system further comprises the step of paying the income tax due to the interest income of the fund donor through the tax accounting corporation server.
The method of claim 13, wherein the Internet real estate security loan method,
After the step (g), if interest deposit is delayed from the fund consumer to the dedicated account of the fund consumer,
The brokerage system further comprises the step of transmitting overdue interest deposit reminding information to the money consumer terminal.
The method of claim 21, wherein the Internet real estate mortgage loan method,
When the intermediary system does not receive an interest deposit from the fund demander even after transmitting the late interest deposit reminder information to the fund demander terminal,
The mediation system notifying the money consumer terminal and the money donor terminal of the execution of the collateral;
The mediation system proceeding with enforcement of the collateral through the internet registry server;
When the execution procedure is finished, the mediation system deposits the secured bond amount to the fund donor's account to the fund donor, and deposits the remaining amount of the secured bond deduction from the sale of the collateral to the account of the fund demander. Internet real estate mortgage loan method further comprising.
The method of claim 13, wherein the Internet real estate security loan method,
After the step (g), if some or all of the overdue interest and funds remain until the end of the term,
The mediation system notifying the money consumer terminal and the money donor terminal of the execution of the collateral;
The mediation system proceeding with enforcement of the collateral;
When the execution procedure is finished, the mediation system deposits the amount of the secured bond of the donor into the account of the donor and deposits the remaining amount of the secured bond deducted from the sale of the collateral into the account of the fund consumer. Internet real estate mortgage loan method further comprising.
The method of claim 13, wherein the Internet real estate security loan method,
After the step (g), when the money consumption loan contract expires and there is no arrears of the money consumer,
The mediation system notifying the terminal of the money consumer and the donor of the expiration of the money spending loan agreement;
The mediation system erases the mortgage in the name of the donor of the security;
The intermediary system further comprises the step of informing the money consumer terminal and the money donor terminal of the termination of the mortgage set-up and the end of the money consumption loan agreement.
The method of claim 13, wherein the Internet real estate security loan method,
In the case of providing collateral from a person who provides collateral as a person who is not the fund consumer (hereinafter, a person who provides collateral as a person who is not the fund consumer is referred to as a 'guarantor'),
The step (a) is a member to the mediation system through the water guarantee delivery terminal,
In the step (c), the mediation system also receives a register of real estate provided by the property guarantor (hereinafter referred to as “collateral”),
In the step (f), the mortgage is set for the mortgage provided by the property guarantor in the name of the fund donor.
The method of claim 13, wherein the Internet real estate security loan method,
When the fund donor or the fund consumer changes the contents of the money consumption loan agreement,
Registering a contract content change in the mediation system through the fund donor terminal or the terminal of the fund consumer;
The mediation system transmitting the contract content change to the money donor terminal or the money consumer terminal;
Transmitting a signal of consent or rejection of the contents of the contract change to the mediation system through the fund donor terminal or the fund consumer terminal;
When the mediation system receives the consent signal, the content of the money consumption loan agreement is changed according to the contents of the changed contract, and the result of the change is transmitted to the fund donor terminal and the fund consumer terminal, wherein the mediation system is configured to perform the agreement. And receiving a rejection signal to the money donor terminal and the money consumer terminal, wherein the contents of the contract are not changed.

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