CN113222761A - Internet-based real estate transaction system and method - Google Patents
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Abstract
The invention discloses a real estate transaction system based on the internet, which comprises a user terminal, an identity verification unit, a main control center, an interface unit, a first information unit, a second information unit, an intention confirmation module, a mode selection module and a payment unit, wherein: the main control center is used for receiving the data information of the user terminal, the identity verification unit, the interface unit and the second information unit and transmitting the data information to the first information unit, the intention confirmation module and the payment unit. The invention has simple structure, convenient operation and improved working efficiency.
Description
Technical Field
The invention belongs to the technical field of industrial Internet, and particularly relates to a real estate transaction system and method based on the Internet.
Background
The house property transaction process of each city is far from each other due to different policies of each city and other factors, and even the house property transaction process of the whole money and loan of the same city is completely different. If the B end and the C end of the real estate transaction system are respectively developed aiming at each city or different administrative areas of each city, a large amount of repeated development is caused, and the efficiency is low. How to improve the development and utilization efficiency of a real estate transaction system is a technical problem which needs to be solved urgently at present.
Wherein, the B end of the real estate transaction system is a Business end, namely: an enterprise side; the C end of the real estate transaction system is a Client end, namely: and (4) a client. Unless otherwise stated, the "B-side" and "B-side" in the house property transaction system are the same, and the "C-side" and "C-side" in the house property transaction system are the same.
In addition, since the real estate transaction usually needs to provide a visualization service for users (usually, buyers and sellers), and the visualization service also has a problem that is different from city to city, how to handle the information display at the C end of the real estate transaction system is also a technical problem that needs to be solved.
In addition, because there is a strong dependence incidence relation between the B-side and the C-side of the real estate transaction system, that is, the information displayed by the C-side originates from the B-side completely, but the information displayed by the C-side is only a part of the data of the B-side. There is a problem here: after the configuration of the B-side is modified, the data of the B-side will change, and if the configuration of the C-side is not modified synchronously at this time, the data of the C-side will be abnormal. In this case, how to implement that the configuration related to the C-side is automatically synchronized to the C-side after the B-side configuration is modified, and the C-side configuration is also modified synchronously is also a technical problem to be solved. Because the service complexity of each system at present is not as complex as a real estate transaction system (real estate transaction is influenced by links such as city policy, national policy, bank, evaluation company and the like), generally, for example, a platform such as an e-commerce platform, the service of the B-side does not need to be configured at all, and is required for configuration, only the C-side can adopt different data control schemes for different customers, and the data control schemes are configured by using scattered configuration files, and a unified management scheme does not exist.
Publication number CN108985939 discloses a real estate transaction method and system based on internet, the method of the invention includes: a user publishes sold property information at a webpage end through a property address selection module and a property item selection module; the filling information acquisition module automatically confirms whether the filling information of the user is correct; submitting a house property display request to a background server, and then displaying information; the buyer and the publisher communicate with each other by oneself to determine the buying intention; calculating and determining a house property transaction tax; the user uploads the transaction material through the transaction management module, and the transaction flow module automatically acquires the data of the transaction module to generate the final transaction material; the transaction parties complete the transaction registration. The system comprises a webpage end and a background server, wherein the webpage end comprises a transaction tax calculation module for calculating the house property transaction tax and a transaction management module for managing transaction materials; the transaction tax of the transaction buyer and seller can be directly calculated; the efficiency of the transaction can also be improved by automatically generating the procedural material required by the transaction.
In the technical scheme, the house property transaction is supervised only by using a house management department supervision platform and whether a buyer has the qualification for purchasing is judged by a qualification certification module, and a user cannot receive other data in the house management department supervision platform, directly inquire the right of registration on a house in the platform and transact house users online; the public display platform only performs public display in the transaction supervision platform, personnel who do not enter the platform cannot make objections to house transaction, the coverage of public display information is narrow, and the problem of house property dispute easily occurs in the actual process.
Disclosure of Invention
The invention aims to provide a real estate transaction system and method based on the Internet, which are simple in structure and convenient to operate. The invention provides the following technical scheme: a real estate transaction system based on the Internet comprises a user terminal, an identity verification unit, a main control center, an interface unit, a first information unit, a second information unit, an intention confirmation module, a mode selection module and a payment unit, wherein: the main control center is used for receiving the data information of the user terminal, the identity verification unit, the interface unit and the second information unit and transmitting the data information to the first information unit, the intention confirmation module and the payment unit;
the system comprises a user terminal, an identity verification unit, an interface unit, a first information unit, a second information unit, an intention confirmation module, a mode selection module and a payment module, wherein the user terminal is used for logging in a house property transaction system by a user, the identity verification unit is used for identifying the identity and verifying the qualification of the user, the interface unit is used for connecting a main control center and a house administration department platform and transmitting data information of the house administration department platform to the main control center, the first information unit is used for receiving information submitted to the main control center by the user terminal and realizing information interaction with the user terminal, the second information unit is used for showing transaction intention confirmed by both buyers and sellers and providing an objection application for other personnel, the intention confirmation module is used for confirming the purchase intention of the user, the mode selection module is used for selecting a payment mode by the user, and the payment module is used for providing capital loan and trusteeship for the user.
Preferably, the user terminal comprises a buyer terminal, a property enterprise terminal and a personal terminal, and the user submits the identity authentication file at the user terminal.
Preferably, the identity verification unit comprises a first identity verification module and a second identity verification module, the first identity verification module is used for verifying and verifying information of a buyer with the house purchase intention and evaluating whether the buyer has purchase capability, and the second identity verification module is used for verifying and verifying qualification of a house enterprise with the house sale intention and personal identity.
Preferably, the first information unit includes an information publishing module, an information interaction module and a storage module, the information publishing module is configured to publish basic house information provided by a user, the information interaction module is configured to provide an exchange platform for a buyer and a buyer, and the storage module is configured to store data.
Preferably, the second information unit comprises an information transmission interface, an information publicizing platform and an objection application module, the information transmission interface is used for publicizing the determined buying and selling intention of the house buyer and the house seller on the external publicizing platform, and the objection application module is used for applying objection application to the person who has an objection to the transaction.
Preferably, the objection application module provides a link for filling out an objection application, and the objection application module further comprises a real-name authentication unit for authenticating and auditing the identity of a person who applies for an objection.
Preferably, the payment unit includes a fund escrow module for escrowing funds paid by the buyer, a loan processing module associated with the fund system and the banking system for processing loans by the buyer, a public accumulation system and a banking system.
Preferably, the interface unit comprises a house right query interface and a house passing-through handling interface, the house right query inlet is used for connecting the master control center to an information base of the house management department platform to realize the right query of the house by the user, and the house passing-through handling interface is used for connecting the master control center to a house passing-through unit of the house management department platform to carry out the on-line house passing-through application. Based on the system, the invention also provides an internet-based real estate transaction method, which comprises the following steps:
s1, the user submits the identity material to log in the house property transaction platform at the user terminal;
s2, the identity verification unit verifies the identity of the buyer, performs qualification verification on the house enterprises in the seller, performs house right verification on individuals, and logs in a house transaction platform after the verification is passed;
s3, the main control center publishes the house information provided by the user terminal, and a buyer with purchasing intention can communicate with a seller in the information interaction module;
s4, after agreement of the seller, the buyer can enter the information base of the house management department platform through the house right inquiry interface to inquire the house right of the house, check whether the registration influencing the house value exists on the house, and after confirming that the two parties can consider the house under the appointed time line;
s5, after both parties reach the buying and selling intention, the buying and selling intention information is disclosed by an external information disclosure platform, an individual or a unit with an objection can apply for objection through an objection application module, an objection application received by the house property transaction platform is sent to the user terminal by the main control center, and the objection application is processed by a seller;
s6, after the dissimilarity application processing is completed, the buyer and the seller confirm to the confirmation module again in intention, and confirm the payment mode at both sides of the mode selection module, when the buyer selects the whole house to be purchased, the corresponding money is transferred to the fund escrow platform, escrow is performed by the fund escrow platform, when the house is purchased in the first payment + loan mode, the first payment is transferred to the fund escrow platform, the related loan transaction procedures are performed, meanwhile, the house administration platform is accessed to the house administration platform through the user transaction interface, the house administration platform is accessed to the user unit of the house administration platform, online user application is performed, the house administration platform performs manual audit after submitting related materials, and the user audit can be completed after the completion of the user audit.
The invention has the beneficial effects that: 1. the real estate transaction can be completed on line, so that the real estate transaction of people is greatly facilitated, and the real estate transaction efficiency is improved; 2. the house property transaction system provided by the invention is directly connected with the house management department platform, the bank terminal and the information publicity platform, so that the authenticity and timeliness of information and timely acceptance of transaction objections can be ensured while the house property transaction is facilitated, and the benefits of buyers and sellers can be protected; 3. the house property transaction platform provided by the invention can ensure the privacy of both buyers and sellers to a certain extent and prevent information leakage; 4. simple structure and convenient operation.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention. In the drawings:
FIG. 1 is a system block diagram of the present invention;
FIG. 2 is a flow chart of the method of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, not all of the embodiments, and not all of the embodiments. Other embodiments, which can be derived by those skilled in the art from the embodiments given herein without inventive faculty, are within the scope of the invention.
Example 1:
a real estate transaction system based on the Internet comprises a user terminal, an identity verification unit, a main control center, an interface unit, a first information unit, a second information unit, an intention confirmation module, a mode selection module and a payment unit, wherein: the main control center is used for receiving the data information of the user terminal, the identity verification unit, the interface unit and the second information unit and transmitting the data information to the first information unit, the intention confirmation module and the payment unit;
the system comprises a user terminal, an identity verification unit, an interface unit, a first information unit, a second information unit, an intention confirmation module, a mode selection module and a payment module, wherein the user terminal is used for logging in a house property transaction system by a user, the identity verification unit is used for identifying the identity and verifying the qualification of the user, the interface unit is used for connecting a main control center and a house administration department platform and transmitting data information of the house administration department platform to the main control center, the first information unit is used for receiving information submitted to the main control center by the user terminal and realizing information interaction with the user terminal, the second information unit is used for showing transaction intention confirmed by both buyers and sellers and providing an objection application for other personnel, the intention confirmation module is used for confirming the purchase intention of the user, the mode selection module is used for selecting a payment mode by the user, and the payment module is used for providing capital loan and hosting for the user;
based on the real estate transaction system, the embodiment further provides an internet real estate transaction method, which specifically includes the following steps:
s1, the user submits the identity material to log in the house property transaction platform at the user terminal;
s2, the identity verification unit verifies the identity of the buyer, performs qualification verification on the house enterprises in the seller, performs house right verification on individuals, and logs in a house transaction platform after the verification is passed;
s3, the main control center publishes the house information provided by the user terminal, and the buyer with purchasing intention can communicate with the seller in the first information unit;
s4, after agreement of the seller, the buyer can enter the information base of the house management department platform through the interface unit to inquire the house right of the house, check whether the registration influencing the house value exists on the house, and after confirming that the buyer and the seller are correct, the buyer and the seller can consider the house under the appointed time line;
s5, after the two parties reach the business purpose, the business purpose information is disclosed in the second information unit, the person or unit with the objection can apply for objection, and the main control center sends the objection application received by the house transaction platform to the user terminal;
and S6, after the dissimilarity application processing is completed, the buyer and the seller again confirm to the confirmation module, confirm the payment modes at the mode selection module, enter the payment unit for capital escrow and loan transaction, and access the house management department platform and the client unit through the interface unit for online client transaction.
Example 2:
a real estate transaction system based on the Internet comprises a user terminal, an identity verification unit, a main control center, an interface unit, a first information unit, a second information unit, an intention confirmation module, a mode selection module and a payment unit, wherein: the main control center is used for receiving the data information of the user terminal, the identity verification unit, the interface unit and the second information unit and transmitting the data information to the first information unit, the intention confirmation module and the payment unit.
The system comprises a user terminal, a house property enterprise terminal and a personal terminal, wherein the user terminal is used for a user to log in a house property transaction system and comprises a buyer terminal, a house property enterprise terminal and the personal terminal; the identity verification unit is used for identifying and verifying the identity of a user, and comprises a first identity verification module and a second identity verification module, wherein the first identity verification module is used for verifying and verifying information of a buyer with house purchase intention and evaluating whether the buyer has purchase capacity, the evaluation mode is deposit certification or other asset certification provided by a bank, and the second identity verification module is used for verifying and verifying the identity of a house enterprise with house selling intention and the identity of an individual.
The system comprises an interface unit, a house right query import, a house passing-house handling interface and a house management department platform, wherein the interface unit is used for connecting a master control center and the house management department platform and transmitting data information of the house management department platform to the master control center and comprises the house right query interface and the house passing-house handling interface; the first information unit is used for receiving information submitted to a main control center by a user terminal and realizing information interaction with the user terminal, and comprises an information publishing module, an information interaction module and a storage module, wherein the information publishing module is used for publishing house basic information provided by a user, the information interaction module is used for providing an exchange platform for a buyer and a buyer, and the storage module is used for storing data.
The second information unit is used for disclosing the confirmed transaction intention of the buyer and the seller and providing other personnel for making an objection application, the second information unit comprises an information transmission interface, an information disclosure platform and an objection application module, the information transmission interface is used for disclosing the confirmed transaction intention of the buyer and the seller at the house on the external disclosure platform, and the objection application module is used for making an objection application for the personnel having an objection in the transaction; the intention confirming module is used for confirming the purchasing intention of the user, the mode selecting module is used for the user to select a payment mode, the payment module is used for providing fund escrow and loan handling for the user, the payment unit comprises a fund escrow module, a loan handling module, a deposit system and a bank system, the fund escrow module is used for escrowing funds paid by the buyer, and the loan handling module is associated with the deposit system and the bank system and is used for the buyer to handle the loan;
based on the real estate transaction system, the embodiment further provides an internet real estate transaction method, which specifically includes the following steps:
s1, the user submits the identity material to log in the house property transaction platform at the user terminal;
s2, the identity verification unit verifies the identity of the buyer, performs qualification verification on the house enterprises in the seller, performs house right verification on individuals, and logs in a house transaction platform after the verification is passed;
s3, the main control center publishes the house information provided by the user terminal, and a buyer with purchasing intention can communicate with a seller in the information interaction module;
s4, after agreement of the seller, the buyer can enter the information base of the house management department platform through the house right inquiry interface to inquire the house right of the house, check whether the registration influencing the house value exists on the house, and after confirming that the two parties can consider the house under the appointed time line;
s5, after both parties reach the buying and selling intention, the buying and selling intention information is disclosed by an external information disclosure platform, an individual or a unit with an objection can apply for objection through an objection application module, an objection application received by the house property transaction platform is sent to the user terminal by the main control center, and the objection application is processed by a seller;
s6, after the dissimilarity application processing is completed, the buyer and the seller confirm to the confirmation module again in intention, and confirm the payment mode at both sides of the mode selection module, when the buyer selects the whole house to be purchased, the corresponding money is transferred to the fund escrow platform, escrow is performed by the fund escrow platform, when the house is purchased in the first payment + loan mode, the first payment is transferred to the fund escrow platform, the related loan transaction procedures are performed, meanwhile, the house administration platform is accessed to the house administration platform through the user transaction interface, the house administration platform is accessed to the user unit of the house administration platform, online user application is performed, the house administration platform performs manual audit after submitting related materials, and the user audit can be completed after the completion of the user audit.
Example 3:
a real estate transaction system based on the Internet comprises a user terminal, an identity verification unit, a main control center, an interface unit, a first information unit, a second information unit, an intention confirmation module, a mode selection module and a payment unit, wherein: the main control center is used for receiving the data information of the user terminal, the identity verification unit, the interface unit and the second information unit and transmitting the data information to the first information unit, the intention confirmation module and the payment unit.
The user terminal is used for a user to log in the house property transaction system and comprises a buyer terminal, a house property enterprise terminal and a personal terminal, and the user submits an identity authentication file at the user terminal; the identity verification unit is used for identifying and verifying the identity of a user, and comprises a first identity verification module and a second identity verification module, wherein the first identity verification module is used for verifying and verifying information of a buyer with house purchase intention and evaluating whether the buyer has purchase capacity, the evaluation mode is deposit certification or other asset certification provided by a bank, and the second identity verification module is used for verifying and verifying the identity of a house enterprise with house selling intention and the identity of an individual.
The system comprises an interface unit, a house right query import, a house passing handling interface and a house passing handling interface, wherein the interface unit is used for connecting a master control center and a house management department platform and transmitting data information of the house management department platform to the master control center; the first information unit is used for receiving information submitted to a main control center by a user terminal and realizing information interaction with the user terminal, and comprises an information publishing module, an information interaction module and a storage module, wherein the information publishing module is used for publishing house basic information provided by a user, the information interaction module is used for providing an exchange platform for a buyer and a buyer, and the storage module is used for storing data.
The second information unit is used for disclosing the confirmed transaction intention of the buyer and the seller and providing other personnel for proposing an objection application, the second information unit comprises an information transmission interface, an information disclosure platform and an objection application module, the information transmission interface is used for disclosing the confirmed transaction intention of the buyer and the seller at the house on the external disclosure platform, the objection application module is used for proposing the objection application to the personnel with an objection in the transaction, the objection application module provides a link for filling the objection application, and the objection application module further comprises a real name authentication unit for authenticating and auditing the identity of the personnel applying for the objection; the intention confirming module is used for confirming the purchasing intention of the user, the mode selecting module is used for the user to select a payment mode, the payment module is used for providing fund escrow and loan handling for the user, the payment unit comprises a fund escrow module, a loan handling module, a deposit system and a bank system, the fund escrow module is used for escrowing funds paid by the buyer, and the loan handling module is associated with the deposit system and the bank system and is used for the buyer to handle the loan;
based on the real estate transaction system, the embodiment further provides an internet real estate transaction method, which specifically includes the following steps:
s1, a user submits an identity material at a user terminal to apply for logging in a house property transaction platform, a buyer submits an identity card and a deposit certificate or other asset certificates issued by a bank, a seller enterprise submits materials such as a business license, a house acceptance certificate, a house sale license and the like, and a seller personally submits materials such as the identity card, the house property card and the like, and when a house is shared by multiple persons, a consignment book of other co-owners needs to be submitted when the house is sold integrally, and a text statement that the other co-owners give up priority to purchase is needed to be submitted when the house is sold in own share;
s2, the identity verification unit verifies the identity of the buyer, performs qualification verification on the house enterprises in the seller, performs house right verification on individuals, and logs in a house transaction platform after the verification is passed;
s3, the main control center publishes the house information provided by the user terminal, and a buyer with purchasing intention can communicate with a seller in the information interaction module;
s4, after agreement of the seller, the buyer can enter an information base of a house management department platform through a house right inquiry interface to inquire house rights of the house, determine whether registration and other information influencing the house value, such as objection registration, mortgage registration, right of residence registration and the like exist on the house, and after the two parties confirm that the house right is correct, the two parties can consider the house under a specified time line;
s5, after both parties reach the buying and selling intention, the buying and selling intention information is disclosed by an external information disclosure platform, an individual or a unit with objection can apply for objection through an objection application module, the objection application module is used for submitting objection application to the personnel with objection in the transaction, the objection application module provides a link for filling in the objection application, the objection application module further comprises a real name authentication unit used for authenticating and auditing the identity of the personnel applying for objection, a main control center sends the objection application received by the housing property transaction platform to a user terminal, and a seller processes the objection application;
s6, after the dissimilarity application processing is completed, the buyer and the seller confirm to the confirmation module again in intention, and confirm the payment mode at both sides of the mode selection module, when the buyer selects the whole house to be purchased, the corresponding money is transferred to the fund escrow platform, escrow is performed by the fund escrow platform, when the house is purchased in the first payment + loan mode, the first payment is transferred to the fund escrow platform, the related loan transaction procedures are performed, meanwhile, the house administration platform is accessed to the house administration platform through the user transaction interface, the house administration platform is accessed to the user unit of the house administration platform, online user application is performed, the house administration platform performs manual audit after submitting related materials, and the user audit can be completed after the completion of the user audit.
Although the invention has been described in terms of the above specific embodiments, the inventive idea of the invention is not limited to this invention, and any modification applying the inventive idea is intended to be included in the scope of protection of the patent claims.
Claims (9)
1. A real estate transaction system based on the Internet is characterized by comprising a user terminal, an identity verification unit, a main control center, an interface unit, a first information unit, a second information unit, an intention confirmation module, a mode selection module and a payment unit, wherein:
the main control center is used for receiving the data information of the user terminal, the identity verification unit, the interface unit and the second information unit and transmitting the data information to the first information unit, the intention confirmation module and the payment unit;
the user terminal is used for a user to log in the house property transaction system;
the identity authentication unit is used for carrying out identity identification and qualification verification on the user;
the interface unit is used for connecting the master control center and the house management department platform and transmitting the data information of the house management department platform to the master control center;
the first information unit is used for receiving information submitted to the main control center by the user terminal and realizing information interaction with the user terminal;
the second information unit is used for disclosing the transaction intention confirmed by the buyer and the seller and providing other personnel for applying for objection;
the intention confirming module is used for confirming the purchase intention of the user, and the mode selecting module is used for selecting a payment mode by the user;
the payment module is used for providing fund escrow and loan transaction for the user.
2. The internet-based real estate transaction system of claim 1 wherein: the user terminal comprises a buyer terminal, a house property enterprise terminal and a personal terminal, and the user submits the identity authentication file at the user terminal.
3. The internet-based real estate transaction system of claim 1 wherein: the identity authentication unit comprises an identity authentication module I and an identity authentication module II;
wherein: the identity verification module is used for auditing and verifying information of a buyer with the house purchasing intention and evaluating whether the buyer has purchasing ability;
the identity verification module is used for verifying and verifying the qualification and the personal identity of the house enterprises with the house selling intention.
4. The internet-based real estate transaction system of claim 1 wherein: the first information unit comprises an information publishing module, an information interaction module and a storage module;
wherein: the information publishing module is used for publishing the house basic information provided by the user;
the information interaction module is used for providing a communication platform for the buyer and the buyer;
the storage module is used for storing data.
5. The internet-based real estate transaction system of claim 1 wherein: the second information unit comprises an information transmission interface, an information display platform and an objection application module;
wherein: the information transmission interface is used for disclosing the determined buying and selling intention of the house buyer and seller on the external public platform;
the disagreement application module is used for proposing an disagreement application to a person having an disagreement in the transaction.
6. The internet-based real estate transaction system of claim 5 wherein: the objection application module provides a link for filling an objection application, and further comprises a real-name authentication unit for authenticating and auditing the identity of a person applying for objection.
7. The internet-based real estate transaction system of claim 1 wherein: the payment unit comprises a fund escrow module, a loan processing module, a public deposit system and a bank system, wherein the fund escrow module is used for escrowing funds paid by the buyer, and the loan processing module is associated with the public deposit system and the bank system and is used for the buyer to process loan.
8. An internet-based real estate transaction system according to any of claims 1-7 wherein: the interface unit comprises a house right query interface and a house passing handling interface, the house right query inlet is used for connecting the main control center into an information base of a house management department platform to realize the right query of a user on a house, and the house passing handling interface is used for connecting the main control center into a house passing unit of the house management department platform to carry out on-line house passing application.
9. An internet-based real estate transaction method is characterized by comprising the following steps:
s1, the user submits the identity material to log in the house property transaction platform at the user terminal;
s2, the identity verification unit verifies the identity of the buyer, performs qualification verification on the house enterprises in the seller, performs house right verification on individuals, and logs in a house transaction platform after the verification is passed;
s3, the main control center publishes the house information provided by the user terminal, and a buyer with purchasing intention can communicate with a seller in the information interaction module;
s4, after agreement of the seller, the buyer can enter the information base of the house management department platform through the house right inquiry interface to inquire the house right of the house, check whether the registration influencing the house value exists on the house, and after confirming that the two parties can consider the house under the appointed time line;
s5, after both parties reach the buying and selling intention, the buying and selling intention information is disclosed by an external information disclosure platform, an individual or a unit with an objection can apply for objection through an objection application module, an objection application received by the house property transaction platform is sent to the user terminal by the main control center, and the objection application is processed by a seller;
s6, after the dissimilarity application processing is completed, the buyer and the seller confirm to the confirmation module again in intention, and confirm the payment mode at both sides of the mode selection module, when the buyer selects the whole house to be purchased, the corresponding money is transferred to the fund escrow platform, escrow is performed by the fund escrow platform, when the house is purchased in the first payment + loan mode, the first payment is transferred to the fund escrow platform, the related loan transaction procedures are performed, meanwhile, the house administration platform is accessed to the house administration platform through the user transaction interface, the house administration platform is accessed to the user unit of the house administration platform, online user application is performed, the house administration platform performs manual audit after submitting related materials, and the user audit can be completed after the completion of the user audit.
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