KR20210093834A - Method for allocating some parts of profits generated by securitization or tokenization of real estates to tenants and server using the same - Google Patents

Abstract

According to the present invention, provided is a method for distributing profits generated through securitization of real estate values to lessees. The method for distributing profits generated through securitization of real estate values to lessees includes the steps of: (a) when target real estate purchase data is obtained, generating substitute goods with reference to data on the purchase price of the target real estate by a server; (b) performing, by the server, at least one process of allocating each of the corresponding portions constituting the substitute goods as equity data to at least a portion of each of the target lessee and each of pre-tenants; and (c) dividing and allocating, by the server, the first periodic amount according to the ratio of the equity data.

Description

A method of distributing profits to tenants from real estate value securitization and a server using the same

The present invention relates to a method of distributing revenue generated through securitization of real estate value to lessees and an apparatus using the same.

Real estate has long been a subject of interest as an investment object. However, in the case of general real estate investment through the transaction of ownership, it takes a long time to recover the investment due to the nature of real estate that is large in scale and has low liquidity, and the minimum unit of investment required for investment is also relatively large. .

In order to overcome the problem of real estate investment, many investment products and investment methods using real estate have been developed. For example, (i) by applying the concept of real estate securitization, it was possible to reduce the time required to recover the investment by converting the value of real estate into assets with excellent liquidity such as bonds and securities, and (ii) With the advent of real estate investment trusts (REITs), which invest in real estate with investment funds raised from a large number of small investors, it has become possible to invest in real estate with a small amount of money. In the reference (Korea Real Estate Trust, https://www.kait.com/reits/01.php), you can check the contents of real estate investment trust (REITs) products, and in addition, the above reference is another real estate indirect Investment products such as Real Estate Fund (REF) and Project Financial Investment Company (PFV) are also included.

However, the above real estate investment products and investment methods are often approached from an investor's point of view, so it was difficult for a lessee who rents real estate for actual use such as residence to enjoy the benefits of the increase in the value of the real estate. . In addition, in order to increase the profits of real estate investors, there is an incentive to increase the security deposit and monthly rent provided by the lessee of the real estate, and the structural problem in which the burden is passed on to the lessee is also difficult to solve.

Therefore, it is necessary to find a real estate investment method that considers not only real estate investors but also lessees who actually use the real estate.

Accordingly, an object of the present invention is to solve all of the above problems.

In addition, another object of the present invention is to provide a method for distributing profits generated through securitization of real estate values to lessees, thereby providing an opportunity for lessees belonging to the socially disadvantaged to receive the benefits of asset formation.

Another object of the present invention is to contribute to social development by distributing wealth socially through the revitalization of the real estate investment market by providing a method of distributing profits generated through securitization of real estate values to lessees.

In order to achieve the object of the present invention as described above and to realize the characteristic effects of the present invention to be described later, the characteristic configuration of the present invention is as follows.

According to one aspect of the present invention, as a method of distributing revenue generated through securitization of real estate value to lessees, (a) when data on which the target real estate is purchased is obtained, the server receives data on the purchase price of the target real estate For reference, substitute goods - said substitute goods, which have already been raised or are at least in part to be raised: (i) the investment of at least one subject investor or the working capital of at least one subject manager who invests in the subject property; and (ii) At least a portion of a first irregular amount provided by at least one subject lessee who leases the subject real estate and a second irregular amount provided by at least one pre-tenant corresponding to the pre-property that was purchased prior to the subject real estate generating a reward generated in response to − ; (b) the server, (i) with reference to the data on the investment funds of each of the target investors or the data on the operating funds of each of the target management companies, and the data on the substitute goods, the investment amount of each of the target investors or A process of allocating each of the corresponding portions constituting the substitute goods, corresponding to the operating funds of each of the target management companies, as equity data for each of the target investors or each of the target management companies, and (ii) each of the target tenants and the At least a portion of the data on the subject lease contract and the data on the pre-lease contract, corresponding to at least a part of each of the pre-tenants - The data on the subject lease contract is for the first irregular amount provided by the subject lessee data and data on a first periodic amount, wherein the data on the pre-tenancy includes data on the second irregular amount provided by the pre-tenant and data on a second periodic amount; and With reference to the data on the replacement goods, the replacement goods corresponding to at least a portion of the first irregular amount and the second irregular amount provided by at least a portion of each of the target lessee and each of the pre-tenants performing at least one of the processes of allocating each of the corresponding portions constituting the , as equity data to at least a portion of each of the target lessee and each of the pre-tenants; and (c) the server, with reference to the data for the first periodic amount and the equity data, (i) each of the target investors or each of the target management companies, and (ii) each of the target tenants and the pre-tenants, respectively dividing and allocating the first periodic amount according to the ratio of the equity data to at least a portion of the; A method of distributing the revenue generated by real estate value securitization is provided, including:

As an example, (i) the purchase price of the pre-real estate includes the investment money of at least one pre-investor who invests in the pre-real estate or the operating funds of at least one pre-management company, wherein the purchase price is provided by at least one pre-tenant. a second irregular amount is not included, and (ii) the second irregular amount provided by at least one of the pre-tenants is included in the operating funds of at least one of the target management companies and the target real estate There is provided a method of distributing revenue generated by real estate value securitization, characterized in that it is allocated to occupy at least a portion of the purchase price of .

As an example, after step (c), (d) when the sale data of the target real estate is obtained, the server refers to the data on the sale price of the target real estate and the equity data, (i) allocating the divided sale proceeds of the target real estate according to the ratio of the equity data to each of the target investors or each of the target management companies and (ii) to each of the target tenants and at least a portion of each of the pre-tenants; There is provided a tenant distribution method of revenue generated by real estate value securitization, further comprising a.

As an example, after step (d), (e) the server, (i) the divided sale proceeds of the target real estate allocated according to the share data ratio corresponding to each of the pre-tenants, and (ii) the target re-allocating at least a portion of the divided sale money of the target real estate allocated according to the share data ratio corresponding to each lessee as reinvestment money for the purchase of the after-sale real estate; There is provided a tenant distribution method of revenue generated by real estate value securitization, further comprising a.

As an example, after step (e), (f) when data in a state in which allocation is completed for all of the divided sale proceeds of the target real estate is obtained, the server provides information on the substitute goods corresponding to the target real estate. discarding the data; There is provided a tenant distribution method of revenue generated by real estate value securitization, further comprising a.

As an example, after step (b), (c1) the server, (i) a process of supporting at least a part of the substitute goods to be transacted by providing data and the equity data on the substitute goods, and (ii) allowing a separate user terminal connected to the server to provide data on the substitute goods and the equity data, so that at least one of the processes of supporting transactions of at least some of the substitute goods is performed. step; and (c2) when data on the transaction is obtained, updating, by the server, the equity data with reference to data on each of the potions constituting the substitute goods that are changed due to the transaction; There is provided a tenant distribution method of revenue generated by real estate value securitization, further comprising a.

As an example, in step (a), in the process of recruiting the target investor, the server, using a smart contract technology, (i) provides a predetermined contractual condition for investing in the target real estate before the contract or and (ii) when data that each of the target investors has fulfilled the contract terms is obtained, the process of determining that the contract has been concluded, characterized in that it is achieved by performing a process for supporting the provision of real estate value securitization A method of distributing revenue to tenants is provided.

As an example, the data and the equity data for the substitute goods are recorded in the block chain node by referring to the time information corresponding to the data and the share data for the substitute goods whenever the contents of the data and the share data are changed by the server. It is characterized in that, the tenant distribution method of the revenue generated by real estate value securitization is provided.

As an example, after step (a), (b1) the server provides or supports to provide data on at least one of the first irregular amount and the second irregular amount to the guarantee insurance company, whereby the second 1 step of supporting a guarantee insurance contract corresponding to at least one of the irregular amount and the second irregular amount to be concluded; There is provided a tenant distribution method of revenue generated by real estate value securitization, further comprising a.

As an example, after step (c), (d1) the server, stored in a predetermined database, reference data corresponding to each of a plurality of reference real estate - The reference data is a transaction date corresponding to each of the reference real estate and Calculating the expected sale price of the target real estate with reference to - including data on the transaction price; and (d2) a process for the server to (i) determine the timing of the sale of the target real estate by providing data on the expected sale price of the target real estate, and (ii) a separate user terminal connected to the server performing at least one of the processes of supporting the determination of the time of sale of the target real estate by providing data on the expected sale price of the target real estate; There is provided a tenant distribution method of revenue generated by real estate value securitization, further comprising a.

In addition, according to another aspect of the present invention, as a server for distributing revenue generated through securitization of real estate value to lessees, at least one memory for storing instructions; and at least one processor configured to execute the instructions. Including, wherein the processor, (I) when the data on which the target real estate was purchased is obtained, with reference to the data on the purchase price of the target real estate, the substitute goods - the substitute goods are already recruited or at least part of which is to be raised (i) the investment funds of at least one subject investor or the operating funds of at least one subject manager who invest in the subject property, and (ii) a first irregular amount provided by at least one subject lessee who leases the subject property and a consideration generated in response to at least a portion of a second irregular amount provided by at least one pre-tenant corresponding to the prior real estate purchased before the target real estate; (II) (i) With reference to the data on the investment amount of each of the target investors or the data on the operating funds of each of the target management companies, and the data on the substitute goods, the investment amount of each of the target investors or each of the target management companies A process of allocating each of the corresponding portions constituting the substitute goods corresponding to the operating funds of the target investor as equity data for each of the target investors or each of the target management companies, and (ii) each of the target tenants and each of the pre-tenants At least a portion of data on the subject lease contract and data on the pre-lease contract, corresponding to at least a part, wherein the data on the subject lease contract includes data on the first irregular amount provided by the subject lessee and a first data on a periodic amount; and the data on the pre-tenancy agreement includes data on the second irregular amount and data on a second periodic amount provided by the pre-tenant; and on the substitute goods. With reference to the data for the substituting goods, corresponding to at least a portion of the first irregular amount and the second irregular amount provided by each of the target lessee and at least a portion of each of the pre-tenants, corresponding to the replacement goods a process of performing at least one of a process of allocating each portion as equity data to each of the target tenants and at least a portion of each of the pre-tenants; and (III) at least a portion of (i) each of the target investors or each of the target managers and (ii) each of the target lessees and each of the pre-tenants, with reference to the data on the first periodic amount and the equity data. a process of dividing and allocating the first periodic amount according to the ratio of the equity data; A server is provided for the distribution of revenues generated by real estate value securitization, which performs

As an example, (i) the purchase price of the pre-real estate includes the investment money of at least one pre-investor who invests in the pre-real estate or the operating funds of at least one pre-management company, wherein the purchase price is provided by at least one pre-tenant. a second irregular amount is not included, and (ii) the second irregular amount provided by at least one of the pre-tenants is included in the operating funds of at least one of the target management companies and the target real estate There is provided a server for the distribution of revenues generated by real estate value securitization, characterized in that it is allocated to occupy at least a portion of the purchase price of .

As an example, after the (III) process, (IV) when the data on which the target real estate is sold is obtained, the processor, with reference to the data on the sale amount of the target real estate and the equity data, (i) a process of allocating the divided sale proceeds of the target real estate according to the ratio of the equity data to each of the target investors or each of the target management companies and (ii) at least a portion of each of the target tenants and each of the pre-tenants; A server for distributing the revenue generated by real estate value securitization, which additionally performs

As an example, after process (IV), (V) the processor is configured to: (i) the divided sale proceeds of the subject property allocated according to the percentage of the equity data corresponding to each of the pre-tenants; and (ii) the subject property; a process of reallocating at least a portion of the divided sale money of the target real estate allocated according to the share data ratio corresponding to each of the lessees as reinvestment money for the purchase of the after-sale real estate; A server for distributing the revenue generated by real estate value securitization, which additionally performs

As an example, after the (V) process, (VI) when data in a state in which allocation is completed for all the divided sales proceeds of the target real estate is obtained, the processor is the process of disposing of data; A server for distributing the revenue generated by real estate value securitization, which additionally performs

As an example, after the (II) process, (III-1) the processor, (i) by providing data and the equity data for the substitute goods, so that at least some of the substitute goods can be transacted. process, and (ii) a process for supporting transactions of at least some of the substitute goods by allowing a separate user terminal connected to the server to provide data on the substitute goods and the equity data; process to be performed; and (III-2) a process of updating, by the processor, the share data with reference to data on each of the potions constituting the substitute goods, which are changed due to the transaction, when data on the transaction is obtained; A server for distributing the revenue generated by real estate value securitization, which additionally performs

As an example, in the process (I), in the process of recruiting the target investor, the processor, using a smart contract technology, (i) provides a predetermined contractual condition for investing in the target real estate prior to the contract, or and (ii) when data that each of the target investors has fulfilled the contract terms is obtained, the process of determining that the contract has been concluded, characterized in that it is achieved by performing a process for supporting the provision of real estate value securitization A server is provided for distribution of profits to tenants.

As an example, the data on the substitute goods and the equity data are recorded in the block chain node with reference to the time information corresponding thereto whenever the data on the substitute goods and the content of the equity data are changed by the processor. There is provided a server for distribution to tenants of revenue generated by real estate value securitization, characterized in that.

As an example, after the (I) process, (II-1) the processor provides or supports to provide data on at least one of the first irregular amount and the second irregular amount to the guarantee insurance company, a process of supporting a guarantee insurance contract corresponding to at least one of the first irregular amount and the second irregular amount to be concluded; A server for distributing the revenue generated by real estate value securitization, which additionally performs

As an example, after the (III) process, (IV-1) the processor, stored in a predetermined database, reference data corresponding to each of a plurality of reference real estate - The reference data is a transaction corresponding to each of the reference real estate a process of calculating the expected sale price of the target real estate with reference to - including data on the date and transaction price; and (IV-2) a process that assists the processor in determining when to sell the subject real estate by (i) providing data on the expected sale price of the subject real estate; and (ii) a separate server connected to the server. a process of performing at least one of the processes of supporting the user terminal to provide data on the expected sale price of the target real estate, thereby determining the time of sale of the target real estate; A server for distributing the revenue generated by real estate value securitization, which additionally performs

According to the present invention, the following effects are obtained.

The present invention provides a method of distributing profits generated through securitization of real estate values to lessees, so that lessees can enjoy the profits from the increase in real estate values together.

In addition, the present invention has an effect that by providing a method of distributing the revenue generated through the securitization of real estate value to the lessee, the lessee belonging to the socially disadvantaged can provide an opportunity to receive the benefits of asset formation.

In addition, the present invention has an effect that can contribute to social development by distributing wealth socially through the activation of the real estate investment market by providing a method of distributing the profits generated through the securitization of real estate values to lessees.

1 is a diagram schematically showing the configuration of an entire system including a server for distribution to tenants of revenue generated by real estate value securitization, according to an embodiment of the present invention.
2 is a diagram schematically illustrating a flow of real estate and its related values, which is a subject of the present invention, according to an embodiment of the present invention.
3 is a flowchart schematically illustrating a process in which a transaction is made for at least a part of substitute goods, according to an embodiment of the present invention.
4 is a flowchart schematically illustrating a process in which the sale of real estate, which is the subject of the present invention, and divisional allocation of the sale proceeds according to the share ratio, according to an embodiment of the present invention.
5 is a flowchart schematically illustrating a process of supporting a guarantee insurance contract to be concluded for protection of an irregular amount provided by a lessee, according to an embodiment of the present invention.
6 is a flowchart schematically illustrating a process of calculating and providing an estimated sale amount of a real estate subject to the present invention with reference to data related to a plurality of reference real estate according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0010] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0010] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0023] Reference is made to the accompanying drawings, which show by way of illustration specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the present invention. It should be understood that the various embodiments of the present invention are different but need not be mutually exclusive. For example, certain shapes, structures, and characteristics described herein with respect to one embodiment may be embodied in other embodiments without departing from the spirit and scope of the invention.

In addition, it should be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the present invention. Accordingly, the detailed description set forth below is not intended to be taken in a limiting sense, and the scope of the invention, if properly described, is limited only by the appended claims, along with all scope equivalents to those claimed. Like reference numerals in the drawings refer to the same or similar functions throughout the various aspects.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings in order to enable those of ordinary skill in the art to easily practice the present invention.

1 is a diagram schematically showing the configuration of an entire system including a server for distribution to tenants of revenue generated by real estate value securitization, according to an embodiment of the present invention.

Referring to FIG. 1 , the server 100 for distributing revenue generated by real estate value securitization to tenants may include a memory 110 and a processor 120 . At this time, the memory 110 may store instructions of the processor. Specifically, the instructions are codes generated for the purpose of causing the server 100 to function in a specific manner, and are computer or other programmable data processing equipment. may be stored in a computer-usable or computer-readable memory capable of pointing to The instructions may perform processes for performing the functions described herein.

In addition, the processor 120 may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. It may also include an operating system, a software configuration of an application that performs a specific purpose.

Next, the server 100 for distributing the revenue generated by real estate value securitization may be linked with the database 200 to exchange necessary data. At this time, the database 200 is a medium for storing various data for performing tenant distribution of the revenue generated by real estate value securitization, data on the past transaction price of the real estate, data on the current price of the real estate, the corresponding Data on investors and investments invested in real estate, data related to the lessee and lease contract who lease the real estate, equity data related to the right of the real estate, data on substitute goods related to the value securitization of the real estate, data related to the real estate It may include, but is not limited to, data on the transaction date and transaction price for a plurality of reference real estate referenced in the process of performing the analysis. In addition, the database 200 is a flash memory type (flash memory type), hard disk type (hard disk type), multimedia card micro type (multimedia card micro type), card type memory (eg SD or XD memory), At least one of Random Access Memory (RAM), Static Random Access Memory (SRAM), ReadOnly Memory (ROM), Electrically Erasable Programmable ReadOnly Memory (EEPROM), Programmable ReadOnly Memory (PROM), magnetic memory, magnetic disk, and optical disk It may include one type of storage medium, but is not limited thereto, and may include any medium capable of storing data. Meanwhile, the database 200 may be included in the server 100 or may be located separately outside the server 100, but is not limited thereto, and may vary depending on the implementation conditions of the invention.

In addition, the server 100 for distributing the revenue generated by real estate value securitization may be connected to the communication network 10 to exchange necessary data with a separate user terminal 300 . In this case, the user terminal 300 is a digital device having a function to access the server 100 , and may be a desktop computer, a notebook computer, a smart phone, or the like, but is not limited thereto. In addition, as another example of the invention, the user terminal 300 may be used in direct connection with the server 100 without passing through a communication network.

Next, the server 100 for distributing the revenue generated by real estate value securitization may be connected to the block chain node 20 through the communication network 10 to use a technology related to the block chain. For example, in the process of recruiting investors, smart contract technology is applied to record predetermined investment contract conditions for real estate, the target object, in a block chain node and present them to prospective investors. Investor recruitment and contract may proceed in such a way that the contract is automatically concluded. In addition, the above contract signing process can also be recorded in the blockchain node and shared with the parties.

2 is a view schematically showing the flow of real estate and its related values, which is a subject of the present invention, according to an embodiment of the present invention.

Referring to FIG. 2 , real estate, which is an object of implementation of the present invention, may be divided into a target real estate 500 as a reference and a prior real estate 400 traded before that. At this time, each real estate may be managed by the corresponding target management company 510 and the pre-management company 410, and the target management company 510 and the pre-management company 410 may be the same management company depending on the implementation conditions of the invention. there is.

Next, the flow of value related to the above real estate can be described as follows.

First, while the target management company 510 proceeds to purchase the target real estate 500, the target investor 520 who wants to invest in the target real estate 500 and the target tenant 530 who wants to rent the target real estate 500 can be recruited. At this time, the purchase money used to purchase the target real estate 500 may be prepared by including the investment money 502 provided by the target investor 520 in advance, depending on the implementation conditions of the invention. Without the investment 502 of the target investor 520 , the operating fund 501 of the target management company 510 may be provided first.

In addition, the purchase price of the target real estate 500 may also include an irregular amount 503 provided by the lessee, and the irregular amount means the amount such as a security deposit provided by the lessee irregularly for the lease of the real estate, , Corresponding to the first irregular amount 531 provided by the target lessee 530 who leases the target real estate 500 according to the target lease contract and the prior real estate 400 traded before the purchase of the target real estate 500 It may be at least a portion of the second irregular amount 431 provided by the pre-tenant 430 according to the pre-lease contract.

At this time, the purchase amount used for the purchase of the advance real estate 400 does not include the non-regular amount of the lessee, and the investment 402 and the advance management company 410 of the prior investor 420 who invests in the advance real estate 400 It may be provided only with at least a portion of the operating funds 401 of

In addition, the second irregular amount 431 provided by the pre-tenant 430 is reverted to the pre-management company 410 according to the contract conditions of the pre-tenant, and when the target real estate 500 is purchased, the target manager 510 It may be provided to, or belong to the target management company 510 from the beginning and be used for the purchase of the target real estate 500 .

And, as another example of the invention, the second irregular amount 431 provided by the pre-tenant 430 is, before being used as the purchase price of the target real estate 500, at least one other intermediate real estate (not shown) of It may be included in the purchase price of the target real estate 500 that is included in the purchase price and then repurchased after the corresponding intermediate real estate is sold. Of course, here, "intermediate real estate" may also play the same role as "prior real estate", in this case it may be named as "pre-real estate". In this case, the second irregular amount 431 initially provided by the pre-tenant 430 and the amount 503 included in the purchase price of the target real estate 500 may be different. For example, if the second irregular amount of KRW 100 million initially provided by the pre-tenant is included in the purchase price of KRW 1 billion of the intermediate real estate, if the intermediate real estate was sold for KRW 1.1 billion Gold will be 110 million won, and the 110 million won can be included in the purchase price of the target real estate. Of course, even in the above case, depending on the implementation conditions of the invention, only 100 million won, which is the second irregular amount initially provided, may be included in the purchase price of the target real estate again.

Then, the processor 120 of the server 100 for the tenant distribution of the revenue generated by real estate value securitization, with reference to the data on the purchase price of the target real estate 500, can generate the substitute goods 600 there is. At this time, the substitute goods 600 may be generated corresponding to the purchase price of the target real estate 500, and the processor 120, the target investor 520, each of the investment data or the target management company 510 each operation Data on the target lease contract including data on funds, data on the first irregular amount signed by the target lessee 530 and data on the first regular amount, and data on the second contract signed by the pre-tenant 430 (i) subject included in the purchase price of the target real estate 500, with additional reference to at least some of the data on the pre-lease contract including the data on the irregular amount and the data on the second periodic amount The management fund 501 of the manager 510 or the investment money 502 of the target investor 520 and (ii) the first irregular amount 531 provided by the target lessee 530 and the pre-tenant 430 provided Each of the irregular amounts 503 corresponding to at least a portion of the second irregular amount 431 may be divided into portions corresponding to the proportion of the purchase price of the entire target real estate 500 . And, the processor 120, each of the corresponding portion of the substitute goods 600, the corresponding target manager 510 or target investor 520, the target lessee 530, and the stake data for each of the pre-tenant 430 can be assigned as For example, the purchase price of the target real estate is 1 billion won, and 9 target investors each invest 100 million won, including the first irregular amount 70 million won provided by the target lessee and the second irregular amount 30 million won provided by the pre-tenant If the purchase price of the target real estate is 1 billion won, each of the target investors will have a 10% stake, the target lessee will have 7%, and the pre-tenant will have 3%. Accordingly, if 100 substitute goods are created, 10 substitute goods may be allocated to each target investor, 7 substitute goods to the target lessee, and 3 substitute goods to the pre-tenant.

At this time, the substitute goods 600 may be securities such as bonds or digital tokens such as cryptocurrency using a block chain. In addition, if the generated substitute goods are of a type that can be provided in real according to the conditions of implementation of the invention, providing or supporting the provision of at least a part of the substitute goods to the corresponding equity holders according to the ratio of the above equity data may be additionally performed.

Then, when the processor 120 of the server 100 for tenant distribution of revenue generated by real estate value securitization acquires data on the first periodic amount 532, the first periodic amount 532 is It can be divided according to the ratio of the equity data and allocated to the corresponding equity holders. At this time, the first periodic amount 532 provided by the target lessee 530 according to the target rental contract is the amount provided periodically among the considerations for the target tenant 530 to rent and use the target real estate 500, This may include monthly rent, etc.

As in the example presented above, if each of the nine target investors has a stake of 10%, the target lessee has a 7% stake, and the pre-tenant has a 3% stake, the first periodic amount provided by the target lessee If this is 1 million won, 100,000 won for each target investor, 30,000 won for the pre-tenant, and 70,000 won for the target lessee can be allocated according to the above share ratio.

In addition, not only the target real estate 500, but also other real estate such as the advance real estate 400 operated in connection with the implementation of the present invention, by applying the above process, the lessee of the real estate to the equity right holder of the real estate Periodic amounts can be allocated in installments according to the stake ratio. For example, at least a portion of the second periodic amount provided by the pre-tenant 430 according to the pre-lease contract is divided according to the respective share ratios with respect to the pre-investor 420 who has an interest in the pre-real estate 400 . may be assigned.

3 is a flowchart schematically illustrating a process in which a transaction is made for at least a portion of substitute goods, according to an embodiment of the present invention.

Referring to FIG. 3 , in the process of making a transaction for at least a portion of the substitute goods 600 according to an embodiment of the present invention, first, the processor 120 of the server 100 for tenant distribution of profits generated by real estate value securitization. ) starts with acquiring (S301) equity data for substitute goods.

Then, the processor 120 of the server 100, when the data generated (S302) of at least a part of the transaction of the substitute goods 600 is additionally acquired (S303), the transaction of at least a part of the substitute goods 600 Due to this, the share data may be updated (S304) according to the share ratio of the changed substitute goods 600. At this time, the step of the processor 120 updating the equity data of the substitute goods 600 ( S304 ) may be made in real time according to the implementation conditions of the invention, and owning at least a portion of the substitute goods 600 at a specific time. It can also be done selectively when one owner exercises the right. For example, if the substitute goods are issued as real securities such as bonds, it may be difficult to update the transaction details of the bonds in real time. Share change details may be updated.

In addition, as another embodiment of the invention, the server 100 for the distribution of tenants of the revenue generated by real estate value securitization is linked with a separately configured alternative goods exchange (not shown) to perform at least a part of the transaction of the substitute goods 600 . may support In this case, when a transaction is made for at least a part of the substitute goods 600 in the substitute goods exchange, the share ratio of the substitute goods also changes at the same time, and the buyer who newly purchased at least a part of the substitute goods 600, It can be interpreted as a succession of the equity ratio corresponding to the seller. At this time, depending on the implementation conditions of the invention, the exchange for substitute goods may be an exchange within the financial system that trades real securities such as bonds, or it may be an exchange in which payment is made with cryptocurrency using block chain. there is.

4 is a flowchart schematically illustrating a process in which the sale of real estate, which is the subject of the present invention, and the divisional allocation of the sale proceeds according to the share ratio, according to an embodiment of the present invention.

Referring to FIG. 4 , when the target real estate 500 is sold ( S401 ) and the sale money is ready, the processor 120 of the server 100 for distribution of the tenants of the profits generated by real estate value securitization, the stake at a specific time Data may be acquired (S402). At this time, the above specific time point is a reference point for distributing the sale proceeds of the target real estate 500, and may be the same as the sale time of the target real estate 500, or otherwise, it may be a time determined by agreement between the parties. there is.

Next, the processor 120 may divide and allocate the sale money of the target real estate 500 according to the equity ratio with reference to the acquired equity data of the specific time point (S403). At this time, according to the implementation conditions of the invention, the processor 120, included in the purchase price of the target real estate 500, the first irregular amount 531 provided by the target lessee 530 and the pre-lessee 430 The divided sale proceeds of the target real estate 500 allocated for a part of the share 503 of the target real estate 500, corresponding to at least a part of the provided second irregular amount 431, of the target real estate 500 After the operation starts, it can be reallocated as a reinvestment fund in order to be purchased in the following order and used as the purchase price of the post real estate (not shown) to be operated in the same manner as the target real estate 500 .

Then, the processor 120, when the data of the state in which the division allocation for the sale money of the target real estate 500 is completed is obtained, the data for the substitute goods corresponding to the target real estate 500 is discarded (S404) can do. Of course, it goes without saying that the disposal of data on substitute goods means that the corresponding substitute goods themselves cannot be used.

5 is a flowchart schematically illustrating a process of supporting a guarantee insurance contract to be concluded for protection of an irregular amount provided by a lessee, according to an embodiment of the present invention.

Referring to FIG. 5 , according to an embodiment of the present invention, in the processor 120 of the server 100 for tenant distribution of revenue generated by real estate value securitization, the target lessee 530 receives a first irregular amount 531 ) provided (S501) is obtained (S502), data related to the first irregular amount 531 may be provided to a specific guarantee insurance company (S503) or supported to be provided, and accordingly, for the first irregular amount It can support so that the guarantee insurance contract is concluded (S504). At this time, in the above guarantee insurance contract, the target lessee 530 who provided the first irregular amount may be the subject of the contract, but the target manager 510 who operates the target real estate 500 according to the conditions of implementation of the invention is paid A guarantee insurance contract may be concluded for guarantee. In addition, as another example of the invention, not only the first irregular amount 531 provided by the target lessee 530, but also the second irregular amount provided by the prior lessee 430 or another lessee related to the practice of the present invention Even for the non-periodic amount provided by this, it will be possible to support the conclusion of the guarantee insurance contract according to the above process.

6 is a flowchart schematically illustrating a process of calculating and providing an estimated sale amount of a real estate subject to the present invention with reference to data related to a plurality of reference real estate according to an embodiment of the present invention.

Referring to FIG. 6 , according to an embodiment of the present invention, data related to a plurality of reference real estate are collected in advance (S601), and interlocked with the server 100 for tenant distribution of profits created by real estate value securitization It may be stored in the database 200 (S602). Then, the processor 120 of the server 100 compares elements such as the corresponding region, real estate type, location condition, transaction price range among a plurality of reference real estate with the target real estate 500, It is possible to obtain reference data for the reference real estate (S603). At this time, the elements that serve as criteria for judgment of similar cases may be set differently according to the implementation conditions of the invention, and the reference data may include data on the transaction date and transaction price for the corresponding reference real estate.

When the above reference data is obtained (S603), the processor 120, with reference to the obtained reference data, performs a trend analysis of the transaction price (S604), and applies the result to the target real estate 500 to the target real estate An expected selling price of (500) may be calculated (S605). Of course, the calculated expected selling price of the target real estate 500 may be continuously changed depending on the situation, in this case, the processor 120 may additionally perform the process of updating the changed estimated selling price in real time.

Then, the processor 120 directly provides (S606) or supports to provide data on the estimated sale price of the target real estate 500 calculated by the above process, so as to determine the time of sale of the target real estate 500. can

In addition, as another example of the invention, not only for the target real estate 500, but also in the process of selling the real estate subject to the present invention, such as the prior real estate 400 or the post real estate, the estimated selling price is calculated according to the above process. It can be calculated and supported to determine the timing of the sale.

The embodiments according to the present invention described above may be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the art of computer software. Examples of the computer-readable recording medium include hard disks, magnetic media such as floppy disks and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magneto-optical media such as floppy disks. , and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules to perform processing according to the present invention, and vice versa.

In the above, the present invention has been described with specific matters such as specific components and limited embodiments and drawings, but these are provided to help a more general understanding of the present invention, and the present invention is not limited to the above embodiments. , those of ordinary skill in the art to which the present invention pertains can make various modifications and variations from these descriptions.

Therefore, the spirit of the present invention should not be limited to the above-described embodiments, and not only the claims described below, but also all modifications equivalently or equivalently to the claims described below belong to the scope of the spirit of the present invention. will do it

100: server 110: memory
120: processor 200: database
300: user terminal 1000: whole system
400: advance real estate 410: advance management company
420: pre-investor 430: pre-tenant
500: Daesang Real Estate 510: Daesang Management Company
520: target investor 530: target lessee
600: substitute goods

Claims (10)

As a method of distributing profits generated through securitization of real estate values to lessees,
(a) When the data on which the target real estate was purchased is obtained, the server refers to the data on the purchase price of the target real estate as a reference, and substitute goods - The substitute goods are generated in conjunction with the purchase price of the target real estate, (i) the investment of at least one subject investor or the operating funds of at least one subject manager to invest in the subject property and (ii) at least one subject lessee who leases the subject property; generating a consideration generated in response to at least a portion of a first irregular amount provided and a second irregular amount provided by at least one pre-tenant corresponding to the pre-real estate that was purchased before the target real estate;
(b) the server, (i) with reference to the data on the investment funds of each of the target investors or the data on the operating funds of each of the target management companies, and the data on the substitute goods, the investment amount of each of the target investors or A process of allocating each of the corresponding portions constituting the substitute goods, corresponding to the operating funds of each of the target management companies, as equity data for each of the target investors or each of the target management companies, and (ii) each of the target tenants and the At least a portion of the data on the subject lease contract and the data on the pre-lease contract, corresponding to at least a part of each of the pre-tenants - The data on the subject lease contract is for the first irregular amount provided by the subject lessee data and data on a first periodic amount, wherein the data on the pre-tenancy includes data on the second irregular amount provided by the pre-tenant and data on a second periodic amount; and With reference to the data on the replacement goods, the replacement goods corresponding to at least a portion of the first irregular amount and the second irregular amount provided by at least a portion of each of the target lessee and each of the pre-tenants performing at least one of a process of allocating each of the corresponding portions constituting the , as equity data to at least a portion of each of the target lessee and each of the pre-tenant; and
(c) when the data on which the target real estate has been sold is obtained, the server, the data on the first irregular amount, data on the second irregular amount, data on the sale price of the target real estate, and the share With reference to at least a part of the data, (i) each of the target investors or each of the target management companies and (ii) each of the target lessees and at least a part of each of the pre-tenants, the ratio of the equity data of the target real estate dividing and allocating the sale money;
including,
The first irregular amount provided by the subject lessee is regarded as the subject lessee's investment in the subject real estate, and the second irregular amount provided by the subject lessee is the pre-lessee for the subject real estate. A method of distributing income generated by real estate value securitization, characterized in that it is regarded as an investment of According to claim 1,
After step (c),
(d) the server, according to (i) the divided sale proceeds of the target real estate allocated according to the equity data ratio corresponding to each of the pre-tenants, and (ii) the equity data ratio corresponding to each of the target tenants; re-allocating at least a portion of the allocated sale proceeds of the target real estate as reinvestment funds for the purchase of post-mortem real estate;
A tenant distribution method of revenue generated by real estate value securitization, further comprising a. According to claim 1,
After step (b),
(c1) a process in which the server supports transactions of at least some of the substitute goods by (i) providing data on the substitute goods and the equity data, and (ii) a separate user connected to the server performing at least one of the processes of supporting transactions of at least a portion of the substitute goods by allowing the terminal to provide data on the substitute goods and the equity data; and
(c2) updating, by the server, the share data with reference to data on each of the portions constituting the substitute goods that are changed due to the transaction when the data on the transaction is obtained;
A tenant distribution method of revenue generated by real estate value securitization, further comprising a. According to claim 1,
In step (a),
The process of recruiting target investors is
A process by which the server, using smart contract technology, (i) provides or assists in providing pre-contracted pre-determined contract conditions for investing in the target real estate, and (ii) each of the target investors agreeing to the contract terms When the fulfillment data is obtained, the tenant distribution method of revenue generated by real estate value securitization, characterized in that it is made by performing a process of determining that the contract has been concluded. According to claim 1,
Before step (c),
(b1) the server, stored in a predetermined database, reference data corresponding to each of a plurality of reference real estate - The reference data includes data on the transaction date and transaction price corresponding to each of the reference real estate - see to, calculating the expected sale price of the target real estate; and
(b2) the server, (i) providing data on the expected sale price of the target real estate to help determine the timing of the sale of the target real estate, and (ii) a separate user terminal connected to the server performing at least one of the processes of supporting the determination of the time of sale of the target real estate by providing data on the expected sale price of the target real estate;
A tenant distribution method of revenue generated by real estate value securitization, further comprising a. As a server for distributing profits generated through securitization of real estate values to tenants,
at least one memory storing instructions; and
at least one processor configured to execute the instructions; including,
the processor,
(I) When the data on which the target real estate was purchased is obtained, with reference to the data on the purchase price of the target real estate, substitute goods - The substitute goods are generated in conjunction with the purchase price of the target real estate, and have already been raised or at least (i) the investment funds of at least one subject investor or the operating funds of at least one subject manager who invest in the subject property, and (ii) the second provision provided by at least one subject lessee who leases the subject property a process of generating 1 an irregular amount and a consideration generated in response to at least a part of a second irregular amount provided by at least one pre-tenant corresponding to the pre-real estate that was purchased before the target real estate; (II) (i) With reference to the data on the investment amount of each of the target investors or the data on the operating funds of each of the target management companies, and the data on the substitute goods, the investment amount of each of the target investors or each of the target management companies A process of allocating each of the corresponding portions constituting the substitute goods corresponding to the operating funds of the target investor as equity data for each of the target investors or each of the target management companies, and (ii) each of the target tenants and each of the pre-tenants At least a portion of data on the subject lease contract and data on the pre-lease contract, corresponding to at least a part, wherein the data on the subject lease contract includes data on the first irregular amount provided by the subject lessee and a first data on a periodic amount; and the data on the pre-tenancy agreement includes data on the second irregular amount and data on a second periodic amount provided by the pre-tenant; and on the substitute goods. With reference to the data for the substituting goods, corresponding to at least a portion of the first irregular amount and the second irregular amount provided by each of the target lessee and at least a portion of each of the pre-tenants, corresponding to the replacement goods a process of performing at least one of a process of allocating each portion as equity data to each of the target tenants and at least a portion of each of the pre-tenants; and (III) when the data on which the target real estate is sold is obtained, at least one of data on the first irregular amount, data on the second irregular amount, data on the sale price of the target real estate, and the equity data With reference to some, for (i) each of the target investors or each of the target management companies and (ii) at least a part of each of the target lessees and each of the pre-tenants, the sale proceeds of the target real estate in proportion to the equity data The process of dividing and allocating;
do, but
The first irregular amount provided by the subject lessee is regarded as the subject lessee's investment in the subject real estate, and the second irregular amount provided by the subject lessee is the pre-lessee for the subject real estate. A server for the distribution of tenants of profits generated by real estate value securitization, characterized in that it is considered as an investment of 7. The method of claim 6,
After the process (III) above,
(IV) the processor: (i) the divided sale proceeds of the subject real estate allocated according to the equity data ratio corresponding to each of the pre-tenants; and (ii) the equity data ratio corresponding to each of the target tenants; a process of reallocating at least a portion of the allocated sale proceeds of the target real estate as reinvestment funds for the purchase of post-mortem real estate;
Server for tenant distribution of revenue generated by real estate value securitization that additionally performs. 7. The method of claim 6,
After the process (II) above,
(III-1) a process in which the processor supports (i) transactions of at least some of the substitute goods by providing data on the substitute goods and the equity data; and (ii) a separate entity connected to the server a process of performing at least one of the processes of supporting transactions of at least a portion of the substitute goods by allowing the user terminal of the user terminal to provide data on the substitute goods and the equity data; and
(III-2) a process of updating, by the processor, the share data with reference to data on each of the potions constituting the substitute goods, which are changed due to the transaction, when data on the transaction is obtained;
Server for tenant distribution of revenue generated by real estate value securitization that additionally performs. 7. The method of claim 6,
In the process (I) above,
The process of recruiting target investors is
a process by which the processor, using smart contract technology, (i) provides or assists in providing, prior to a contract, a predetermined contractual condition for investing in the subject real estate; and (ii) each of the subject investor agrees to the contractual condition; When the implemented data is obtained, a server for distribution of tenants of profits created by real estate value securitization, characterized in that it is made by performing a process of determining that the contract has been concluded. 7. The method of claim 6,
Prior to the (III) process,
(II-1) the processor, stored in a predetermined database, reference data corresponding to each of a plurality of reference real estate - The reference data includes data on the transaction date and transaction price corresponding to each of the reference real estate - With reference to, the process of calculating the expected sale price of the target real estate; and
(II-2) a process that assists the processor in determining when to sell the subject real estate by (i) providing data on the expected sale price of the subject real estate; and (ii) a separate user connected to the server; a process of performing at least one of the processes of supporting the determination of the time of sale of the target real estate by allowing the terminal to provide data on the expected sale price of the target real estate;
Server for tenant distribution of revenue generated by real estate value securitization that additionally performs.

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