CN101739634A - Self-service transaction system and method for second-hand houses - Google Patents
Self-service transaction system and method for second-hand houses Download PDFInfo
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- CN101739634A CN101739634A CN200810202890A CN200810202890A CN101739634A CN 101739634 A CN101739634 A CN 101739634A CN 200810202890 A CN200810202890 A CN 200810202890A CN 200810202890 A CN200810202890 A CN 200810202890A CN 101739634 A CN101739634 A CN 101739634A
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Abstract
The invention relates to a self-service transaction system and a method for second-hand houses, and the process is as follows: information is submitted to a house brokerage company after a buyer and a seller determine the intention, and the written information is completely verified by the house brokerage company; then the buyer and the seller sign a contract at a service net point for signing the contact under the guidance of a professional of the house brokerage company, and the service net point for signing the contact can be set in a bank; then the buyer deposits down payment in a fund supervision account which is opened by a guarantee company in the bank after signing the contact; then the buyer goes to a transaction center for handling the ownership transfer procedure; when the buyer receives a receipt that the transaction center handles the ownership transfer procedure, the buyer deposits the second payment in the supervision account of the bank; the buyer and the seller carry out the property delivery when receiving a new property ownership certificate, and the supervision account of the bank transfers the payment to the seller when completing the delivery procedure; and the whole-process supervision of the whole fund supervision account and the transaction process is carried out by the house brokerage company, the guarantee company and a system of the bank, thereby ensuring the transaction safety.
Description
Technical field
The present invention relates to a kind of second-hand house self-service dealing System and method for, it mainly is a kind of transaction system of being constructed by house property brokerage firm, bank and guarantee corporation, after second-hand house both parties determine the transaction purpose, provide the transaction subscribed services by house property brokerage firm, by bank and guarantee corporation's supervision fund, and in process of exchange, promote a kind of method that safety guarantee also can be saved intermediary fee.
Background technology
The transaction overwhelming majority of general second-hand house carries out through intermediary company, when the person that normally sells the room wants to sell the house, just will sell room information and give intermediary company, intermediary company is about to the source of houses and lists, usually the form of listing has: the one, and print media is listed, as post up on the glass or billboard on retail sales doorway, even send everywhere with the mode of newspaper file page or leaf or individual catalogue; The 2nd, network is listed, i.e. the publicity source of houses on network; The 3rd, the publicity source of houses on the screen medium is in the hope of can widely propagating selling room information; And the house-purchase person who wants to buy second-hand house also just goes over the retail sales of each tame intermediary company, check the source of houses that each intermediary company releases, or the house-purchase demand informed intermediary company, allow intermediary company on behalf of seeking the house that is fit to demand, lead house-purchase person to go to see the house by intermediary company then, after taking a fancy to, rub merchant's price and every terms of trade between two parties with the hands via intermediary company again, wait to rub with the hands and lead house-purchase person and sell the room person to handle formalities such as payment and friendship room again via intermediary company after the merchant finishes, this kind second-hand house transaction system is to be dominated by intermediary company, though this kind method of commerce on market row year arranged, it can not satisfy client's demand fully.
At first, there is a great problem in aforementioned existing method of commerce, promptly be that transaction security lacks guarantee, according to general trade mode is to allow between two parties after both parties settle price in intermediary company, promptly carry out a series of process of exchange, wherein data online and step such as signatory all can make in accordance with the law and handling, but aspect payment, then be difficult for certain standard, some transaction is to come the supervision fund by intermediary company, after both parties sign a contract, the buyer squeezes into intermediary company's account with the house-purchase money, assist to handle transfer by intermediary company then, by intermediary company the house-purchase money is changeed after transfer is finished again and pay the seller, this kind mode promptly tests the sincere degree of intermediary company; Some more dangerous transaction is earlier down payment to be squeezed into seller's account by the buyer in addition, handle transfer then, after transfer is finished again by the buyer to the seller payments remaining fund, dispute very easily takes place in this kind trade mode, no matter be to go back on one's word after the seller receives down payment, or delay the transfer time because of other factors, also or transfer finish after the buyer slowly be reluctant to pay remaining fund all can cause the problem in the transaction.
Secondly, when providing the second-hand house transactional services via intermediary company, person and house-purchase person all must bear the intermediary fee of a costliness to sell the room, the intermediary fee of just general market second-hand house transaction be both parties respectively go out room rate 1%, just 1,000,000 yuan second-hand house both parties will respectively go out 10,000 yuan intermediary fee, this promptly makes the cost in the house prosperity transaction be enhanced, the person is reluctant to lose capital then the cost that increases to be added and sells among the room money if sell the room, and promptly must bearing higher price, house-purchase person buys second-hand room, when house-purchase person will resell this house once more, selling that the room cost is inevitable again can be because of the intermediary fee factor of previous exchange payment by bed hedgehopping, this again to rising on the room rate effect of adding fuel to the flames.
Moreover, the problem that has " Transaction Information is opaque " in the existing method of commerce, angle by house-purchase person, house-purchase person only can be known the price of second-hand house by party intermediary, but this price real price that proposes that often is not the person that sells the room, the price that house-purchase person only can propose according to intermediary company when rubbing merchant's price with the hands is as benchmark, but in fact this price may be very big with the person's that sells the room bid gap; Again by the person's that sells the room angle, the person that sells the room is after intermediary company is entrusted in bid, no matter do not know the price that intermediary company leaves house-purchase person, under the not reciprocity situation of this kind information, be the person that sells the room or house-purchase person all might meet with number one among transaction infringement at all; If with regard to a more extreme angle, because being the percentage according to transaction value, the charge of intermediary company recently calculates, therefore, nonstandard intermediary company will inevitably manage to exhaust one's abilities when rubbing merchant's price with the hands and improve transaction value, so can improve the income of intermediary company, though the degree varies that improves can deviate from market conditions surely, in the room rate of promptly having driven up second-hand house virtually.
By above explanation as can be known, there are some inevitable disappearances really in existing second-hand house method of commerce in running, and necessity of being improved is arranged.
In recent years because the prosperity of network, people are accustomed to the utilization network gradually and come transmission information and acquisition of information, sell the room person can announce the room information of selling on network, and house-purchase person also can be by seeking the source of houses that is fit on the network, and then get in touch with house-purchase person, see the room and conclude the business, person and house-purchase person both sides are not familiar with but owing to selling the room, thereby lack enough trusts each other, even be that people such as relatives and friends or colleague introduce, can not guarantee both sides' credit, if transaction lacks safety guarantee really voluntarily, simultaneously because shortcoming professional knowledge also is difficult for finishing voluntarily all formalities in house prosperity transaction.
Though common in the market intermediary fee is the last player whose turn comes next respectively is 1% of room rate, but most businessman all can be preferential to some extent, and this reflects city's field alignment Jie expense certain susceptibility.Person and house-purchase person prefer to select non-intermediary mode of doing business in fact to sell the room, and above Haiti district is an example, and according to the trade center data, non-intermediary transaction in 2007 reaches 50,000 covers, account for whole second-hand house trading volumes total 26.58%.Wherein with the non-intermediary trading volume maximum of Minhang, Pudong District; Age is 25-40 year normally; Total price is generally below 1,000,000 yuan, especially with the Minhang account for ninety percent, Pudong accounts for eighty per cant, and total price is concentrating on Jing'an District, Huangpu District and Jiangkou District more than 1,000,000; So a large amount of house prosperity transactions all is to be gone through the formalities by non-professional person that sells the room and house-purchase person, not only allow and sell the room person and house-purchase person's many times of waste on round supplementary document, and, also increased unnecessary workload checking on file and instruction person that sells the room and the house-purchase person to the personnel of relevant competent authority.
Summary of the invention
The invention provides a kind of second-hand house self-service dealing system, it is to be matched with bank by house brokerage firm, guarantee corporation, a kind of transaction system of the constructed one-tenth of operation of collocation computer system, and this computer system comprises:
The network platform that house brokerage firm sets up, it can the person uploads the room information of selling for selling the room, can sell room information or upload the house-purchase demand condition for house-purchase person's inquiry, and can be matched automatically by network system;
The bank capital supervisory systems, to deposit in supervision in the account fund, loan position and handle process of exchange and supervise in overall process, and to setting the relevant information that object sends the supervision account;
The fund of house brokerage firm and housing loan management system, it can accept the information of bank capital supervisory systems, in real time the situation that deposits in of monitoring trading fund and the loan progress monitored;
The guarantee management system of guarantee corporation, it can accept the information of bank capital supervisory systems, and can dock with the fund and the room goods management system of house brokerage firm, and the complete monitoring trading and the process of loan are to guarantee transaction security.
The invention provides a kind of second-hand house self-service dealing method, it is after both parties determine purpose, and is leading by house brokerage firm, and is cooperated with the guarantee corporation to carry out a kind of method of commerce that transaction funds is supervised by bank, and it mainly comprises:
A. by both parties' firm bargain purpose;
B. submit data by selling direction house brokerage firm, in the audit written information prompting both sides' of house brokerage firm risk point and points for attention;
C. in the subscribed services site, personnel's online of manager certificate transaction of contracting is arranged by house brokerage firm;
D. the first payment is deposited in the fund supervision account that is opened in appointed bank by guarantee corporation the signatory back buyer;
E. handle transfer to trade center;
F. when seeing trade center and handle the addressee receipt of transfer, the buyer deposits the second stage of house money fund in the banking supervision account in;
When g. getting the new house title, both parties carry out property and complete a business transaction;
H. complete a business transaction formality and finish, the banking supervision account makes loans fund to the seller.
Second-hand house method of commerce of the present invention is a kind of after second-hand house both parties determine the transaction purpose, provide transaction signatory and full-range service by house property brokerage firm, by bank and guarantee corporation's supervision fund, and in process of exchange, improved the security of transaction, simultaneously because the second-hand house transaction is by both parties' bargain voluntarily, rather than rub the merchant between two parties with the hands by intermediary, so transaction value can be reduced to minimum, in addition owing to do not see through intermediary company's operation, reduce a kind of method of transaction cost so can save intermediary fee again, it is enough to overcome the existing existing problem of second-hand house method of commerce.
Therefore, second-hand house self-service dealing System and method for of the present invention can reach following beneficial effect:
One. guarantee transaction security: in bank, handle the house transaction formality and can guarantee safety, cooperate to provide the supervision of second-hand house transaction funds with the guarantee corporation by bank simultaneously, make both parties, the bank capital supervisory systems, transaction funds is supervised in the guarantee management system four directions of guarantee corporation simultaneously, guarantee corporation wherein is not engaged in the house manager, be the independent and neutral third party of second-hand house transaction, because of it does not enjoy fund entitlement, have no right requirement bank with the transfer of funds in the account without both parties' mandate, the bank of supervision fund does not see both parties' written application and confirms and fund can not be transferred arbitrarily, ensured the safety of both parties' transaction funds; And either party can not extract cash in the transaction funds supervision process, after the closing the transaction, confirms through both parties, changes vendor account in the mode of transferring accounts, and has further improved the transaction security of second-hand house.
Two. transaction formality specialty, legal: provide whole process and value-added service by the professional of house brokerage firm, guarantee second-hand house transaction formality specialty, legal, complete and smooth;
Three. Transaction Information is transparent: because second-hand house Transaction Information and price are rubbed the merchant with the hands face-to-face voluntarily by both parties, set up the information platform of direct symmetry, and collected intermediary fee not according to the dealing money ratio, can avoid human factor to raise transaction value;
Four, convenient, quick: both parties can or cover the site of house property financial service widely by special website and list face to face or select the room;
Five. save money: the systematization operation, save the human and material resources cost, the cost of reduction feeds back to both parties, and service fee and fund supervision fee are far below the intermediary fee of common second-hand house transaction; Significantly reduce the client trading cost, and realized client, enterprise, the tripartite Luo altogether of partner.
Six. stabilize the second-hand house room rate: because Transaction Information is transparent, the no one raises the situation of transaction value for factor, again since economize intermediary fee except the second-hand house transaction (be generally both parties respectively go out room rate 1%), cost when making this second-hand house conclude the business again next time has reduced by 2% at least, reaches the effect of stabilizing the second-hand house room rate.
Description of drawings
Fig. 1 is the signatory and transaction flow figure of second-hand house self-service dealing method of the present invention.
Embodiment
Second-hand house self-service dealing of the present invention system is matched with bank by house brokerage firm, guarantee corporation, a kind of affaris safety trade system of the constructed one-tenth of operation of collocation computer system, and this transaction system comprises:
The network platform that house brokerage firm sets up, it can the person uploads the room information of selling for selling the room, can sell room information or upload the house-purchase demand condition for house-purchase person's inquiry, and can be matched automatically by network system;
The bank capital supervisory systems, to deposit in supervision in the account fund, loan position and handle process of exchange and supervise in overall process, and to setting the relevant information that object sends the supervision account;
The fund of house brokerage firm and housing loan management system, it can accept the information of bank capital supervisory systems, in real time the situation that deposits in of monitoring trading fund and the loan progress monitored;
The guarantee management system of guarantee corporation, it can accept the information of bank capital supervisory systems, and can dock with the fund and the room goods management system of house brokerage firm, and the complete monitoring trading and the process of loan are to guarantee transaction security.
The basis of second-hand house method of commerce of the present invention is directly to be contacted and the firm bargain purpose by the house deal both sides, via aforementioned system of the present invention, finishes the second-hand house self-service dealing according to the following stated step then;
At first, the person can be uploaded to the network platform that house brokerage firm sets up with selling room information to sell the room, and the person can list on the net voluntarily promptly to sell the room, accepts the back by business personnel's prospecting to the doorstep in house brokerage firm, confirms to accept the situation of the consignment source of houses; House-purchase person then can go to select the room on the network platform of house brokerage firm foundation, or demand is offered house brokerage firm, and brokerage firm matches on demand by the house; The person directly gets in touch, sees the room with selling the room by house-purchase person then, or be with by the business personnel of house brokerage firm and see the source of houses, after sell room person and house-purchase person determined the dealing purpose, get final product one and play house brokerage firm and require to carry out the transaction of second-hand house according to method of the present invention.
Certainly also can introduce house deal, after both sides have determined the dealing purpose, get final product one and play house brokerage firm and require to carry out the transaction of second-hand house according to method of the present invention via relatives and friends or colleague's etc. classical pathway.
Be to provide omnidistance transactional services in method of commerce of the present invention, more can provide the guidance of both parties' negotiation and service in early stage, and both parties only need pay cheap charg`e d'affaires's service fee, need not to pay expensive intermediary fee by house brokerage firm.
As shown in Figure 1, second-hand house method of commerce of the present invention is after both parties determine purpose, and brokerage firm submits data to the house; After house brokerage firm has examined written information; Then promptly contract in the subscribed services site, can be instructed on the side by the professional of house brokerage firm when contracting in both parties, this subscribed services site can be built up in the bank; After signatory, can the first payment be deposited in guarantee corporation in the supervision account that bank offers by the buyer; Can arrive trade center then and handle transfer; When the buyer saw trade center and handles the addressee receipt of transfer, the buyer can deposit the second stage of house money fund among the banking supervision account; Wait for claimant when getting the new house title, both parties can carry out property completes a business transaction, and formality to be completed a business transaction is finished, and the banking supervision account is about to fund and makes loans to the seller.
Hence one can see that, in the second-hand house self-service dealing System and method for of the present invention, the second-hand house both parties can be voluntarily or the services such as Transaction Information pairing by network, determine the transaction purpose, provide house property manager, finance and value-added service by house brokerage firm and professional thereof, and carry out transaction funds supervision by bank and guarantee corporation, with the standard that guarantees each transaction, safe, convenient, economical.Like this, on the one hand, the house deal both sides can match voluntarily, provide follow-up service by this transaction system, after promptly the second-hand house both parties determine the transaction purpose voluntarily, finish all follow-up services such as signatory, that finance is supporting by this transaction system; On the other hand, can and provide full-range service, promptly match automatically, after the second-hand house both parties determine the transaction purpose, finish full-range service by this transaction system by network by the automatic pairing of the network platform that house brokerage firm sets up by this transaction system.
In second-hand house self-service dealing method of the present invention, the service item that house brokerage firm and bank cooperate with the guarantee corporation to provide comprises:
One. list and house supply and demand information inquiry: can on subscribed services site and house property finance website, list and put on record;
Two. professional consultation service in early stage: assist both parties' negotiation and the professional consultation of buying and selling details is provided;
Three. accept both parties and entrust, automatic demand pairing is provided;
Four. assist to handle the signing of real estate transaction contract;
Five. one-stop housing loan service is provided;
Six. the omnidistance fund supervision of transaction house money is provided, ensures the fund security of both parties;
Seven. both parties' signatory back payment, the follow-up full-range service of transferring ownership, leading card, completing a business transaction and collect money are provided.
And wherein concrete service item is exemplified below:
1. the signing deal contract is accompanied the transaction transfer;
2. sign the deposit agreement to the doorstep;
3. accompany in advance and repay;
4. CATV (cable television) is completed a business transaction and is acted on behalf charge;
5. the water power coal is completed a business transaction the charg`e d'affaires;
6. the charg`e d'affaires is completed a business transaction in the broadband transfer;
7. maintenance funds and the estate management place formality of renaming is acted on behalf;
Bank can obtain the business opportunity of buyer's loan among above-mentioned service; Guarantee corporation also obtains deserved service fee in transaction; House brokerage firm can collect suitable service fee when handling concrete service item, can be handled simultaneously obtaining commission in the loan and return the benefit by bank.
In the method for the invention, tripping the method for servicing of shops of intermediary company formula, and with the trading message networking, reduced the cost of intermediary, provide simultaneously: assist both parties to sign formalities such as golden agreement, deal contract, assistance are arranged bank loans, fund is supervised, trade center is transferred ownership and property is completed a business transaction, house money is closed via house brokerage firm, all professional works are all finished under the professional of house brokerage firm assists, and make transaction safer and more secure.
By above explanation as can be known, method of the present invention is after both parties determine second-hand house dealing purpose, leading by house brokerage firm, there is bank to cooperate to carry out the fund supervision with the guarantee corporation simultaneously, guarantee second-hand house transaction funds safety to reach, and reach information transparency and save a kind of method of agency fee, it provides the fund security guarantee for the second-hand house transaction, for huge intermediary fee has been saved by both parties, more can further reach the effect that presses down flat second-hand house room rate, it really is a quite excellent method.
Claims (4)
1. second-hand house self-service dealing System and method for, it is after both parties determine purpose, and is leading by house brokerage firm, and is cooperated with the guarantee corporation to carry out a kind of method of commerce that transaction funds is supervised by bank, it is characterized in that:
A. submit data by selling direction house brokerage firm; At house brokerage firm audit written information;
B. contract in the subscribed services site;
C. the first payment is deposited in the banking supervision account the signatory back buyer;
D. handle transfer to trade center;
E. when seeing trade center and handle the addressee receipt of transfer, the buyer deposits the second stage of house money fund in the banking supervision account in;
When f. getting new product card, both parties carry out property and complete a business transaction;
G. complete a business transaction formality and finish, the banking supervision account makes loans fund to the seller.
2. second-hand house method of commerce as claimed in claim 1 is characterized in that:, can instruct on the side by the professional of house brokerage firm when contracting in both parties.
3. second-hand house method of commerce as claimed in claim 1 is characterized in that:, this subscribed services site is built up in the bank.
4. second-hand house self-service dealing system, it is to be matched with bank by house brokerage firm, guarantee corporation, a kind of transaction system of the constructed one-tenth of operation of collocation computer system, it is characterized in that: this computer system comprises:
The network platform that house brokerage firm sets up, it can the person uploads the room information of selling for selling the room, can sell room information or upload the house-purchase demand condition for house-purchase person's inquiry, and can be matched automatically by network system;
The bank capital supervisory systems, to deposit in supervision in the account fund, loan position and handle process of exchange and supervise in overall process, and to setting the relevant information that object sends the supervision account;
The fund of house brokerage firm and housing loan management system, it can accept the information of bank capital supervisory systems, in real time the situation that deposits in of monitoring trading fund and the loan progress monitored;
The guarantee management system of guarantee corporation, it can accept the information of bank capital supervisory systems, and can dock the complete monitoring trading and the process of loan with the fund and the room goods management system of house brokerage firm.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN200810202890A CN101739634A (en) | 2008-11-18 | 2008-11-18 | Self-service transaction system and method for second-hand houses |
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| Application Number | Priority Date | Filing Date | Title |
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| CN200810202890A CN101739634A (en) | 2008-11-18 | 2008-11-18 | Self-service transaction system and method for second-hand houses |
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| CN101739634A true CN101739634A (en) | 2010-06-16 |
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| CN200810202890A Pending CN101739634A (en) | 2008-11-18 | 2008-11-18 | Self-service transaction system and method for second-hand houses |
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Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103310297A (en) * | 2013-05-11 | 2013-09-18 | 苏州才子佳人文化传播有限公司 | Letting agency management system |
| CN105723413A (en) * | 2016-01-30 | 2016-06-29 | 盛玉伟 | A down payment transaction method and system for a real estate website |
| CN106204359A (en) * | 2016-07-06 | 2016-12-07 | 上海三富信息科技有限公司 | The method and system of house prosperity transaction Fund Supervision are completed based on halfpace |
| CN106651677A (en) * | 2016-12-08 | 2017-05-10 | 杭州销冠网络科技有限公司 | Intelligent calculation method and system |
| WO2017173562A1 (en) * | 2016-04-05 | 2017-10-12 | 盛玉伟 | Real estate sales data counting method and system |
| CN104200385B (en) * | 2014-08-27 | 2018-01-26 | 陶珍珍 | A kind of method and system for the self-help teller machine for handling proficiency housing loan business |
| CN108022088A (en) * | 2017-12-12 | 2018-05-11 | 胡军 | Store and platform transaction system on a kind of line |
| CN112232989A (en) * | 2020-10-26 | 2021-01-15 | 广西大学 | Method for renting and selling house property by using block chain technology |
| CN112241912A (en) * | 2020-10-20 | 2021-01-19 | 何洪辉 | Free trading system for second-hand real estate |
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2008
- 2008-11-18 CN CN200810202890A patent/CN101739634A/en active Pending
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103310297A (en) * | 2013-05-11 | 2013-09-18 | 苏州才子佳人文化传播有限公司 | Letting agency management system |
| CN104200385B (en) * | 2014-08-27 | 2018-01-26 | 陶珍珍 | A kind of method and system for the self-help teller machine for handling proficiency housing loan business |
| CN105723413A (en) * | 2016-01-30 | 2016-06-29 | 盛玉伟 | A down payment transaction method and system for a real estate website |
| WO2017128352A1 (en) * | 2016-01-30 | 2017-08-03 | 盛玉伟 | Method and system for deposit transaction on real estate network |
| WO2017173562A1 (en) * | 2016-04-05 | 2017-10-12 | 盛玉伟 | Real estate sales data counting method and system |
| CN106204359A (en) * | 2016-07-06 | 2016-12-07 | 上海三富信息科技有限公司 | The method and system of house prosperity transaction Fund Supervision are completed based on halfpace |
| CN106651677A (en) * | 2016-12-08 | 2017-05-10 | 杭州销冠网络科技有限公司 | Intelligent calculation method and system |
| CN108022088A (en) * | 2017-12-12 | 2018-05-11 | 胡军 | Store and platform transaction system on a kind of line |
| CN112241912A (en) * | 2020-10-20 | 2021-01-19 | 何洪辉 | Free trading system for second-hand real estate |
| CN112232989A (en) * | 2020-10-26 | 2021-01-15 | 广西大学 | Method for renting and selling house property by using block chain technology |
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Open date: 20100616 |