JP2009151579A - Real estate transaction support system, real estate transaction processing server, real estate transaction support method, and real estate transaction support computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system for mediating real estate transaction, while checking a credit score partially, which is originally carried out by financial institutions. <P>SOLUTION: In the system, at least real estate information, estimated value calculation information, and loan conditions are stored in a database. The real estate transaction processing server includes a real estate information retrieval means for retrieving real estate information satisfying the conditions, an estimated value calculating means for calculating an estimated value of a real estate, a loan condition determination means for determining whether or not the demand of a loan applicant satisfies the loan conditions, and a credit check certificate information issuing means for issuing credit check certificate information if the demand satisfies any of the loan conditions. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a system for supporting a real estate property transaction performed through a communication network. In particular, the present invention relates to a system in which the system itself can take part of a loan examination for a customer that has been carried out by a loan institution.

  Conventional real estate property transactions are generally conducted as follows. First, a real estate property seller who wants to sell a real estate property visits a store of an intermediary (for example, a real estate agent), and the mediator registers real estate property information desired to be sold in the computer. A real estate property purchaser who wants to purchase a real estate property visits the broker's store and asks the broker to search for a real estate that meets his / her purchase conditions, or is installed in the broker's store Search by yourself using a computer terminal. If real estate that meets the purchase conditions is found, the real estate property purchaser will purchase a contract with the real estate property seller after conducting a local tour through the introduction of the broker and negotiating a price with the seller through the broker. Conclude. A real estate property purchaser applies for a loan to a loan institution such as a financial institution in order to procure funds for purchase.

  In contrast to such conventional real estate transaction, in recent years, against the background of the development of the Internet, a system for performing real estate transaction using a communication network and a system for supporting the transaction have been developed (for example, Patent Documents 1 to 4). ). These systems register a lot of real estate property information in the database in advance, and computer terminals (not limited to terminals installed in the broker's store, may be a personal computer of the real estate property purchaser) The real estate property that matches the search condition transmitted from the Internet via the Internet is extracted, and information relating to the real estate property is returned to the computer terminal. In these systems, the contents of information relating to the real estate property to be registered, the search method, the search item, the display method of the search result, etc. are devised. With such a system, real estate property buyers can more easily search for real estate properties, and transactions have become smoother.

  As described above, a real estate property purchaser inputs a property search condition from a computer terminal via a communication network such as the Internet, and the server that receives the search condition automatically searches for a property that matches the search condition. A real estate property transaction support system whose main function is to transmit any information related to real estate properties to a computer terminal of a real estate property purchaser is well known. These prior art systems generally store a computer terminal used by a real estate buyer, a computer terminal used by a real estate seller, a computer terminal used by a real estate agent, and a large amount of real estate information. The database is configured by combining all or some of the database and a server that retrieves real estate property information from the database in response to a request from a real estate property purchaser, and extracts and transmits necessary information.

Japanese Patent No. 2718395 Japanese Patent No. 3187800 Japanese Patent No. 3650324 Japanese Patent No. 3805214 Japanese Patent Application Laid-Open No. 2003-108830 JP 2002-251521 A Japanese Patent Application Laid-Open No. 2002-207876 Japanese Patent Application Laid-Open No. 2001-306803

  By the way, in general, when purchasing a real estate property, for example, the purchaser often obtains a loan for the purchase of the real estate property from a lending institution such as a bank, instead of preparing the entire amount of purchase money. The procedure for receiving a loan examination by a loan institution is complicated. Therefore, if there is a system that can perform consistently from real estate property search to purchase loan examination, it is extremely useful.

  Many of the conventional systems including the systems described in the above-mentioned prior patent documents are for supporting procedures from the search for real estate properties to the sales contract. Therefore, even if these conventional systems are used, the loan review procedure by the loan institution is a separate procedure from these procedures, and therefore, the real estate property purchaser must separate the loan institution from the sales negotiation with the seller. It was necessary to apply for a loan.

  Further, most of the conventional real estate property brokerage systems provide a solution to the problem of how to efficiently search for real estate properties and present search results as described above. Even if it is possible to efficiently search from real estate properties to contracts with these conventional systems, real estate property buyers need to obtain information including loan terms from multiple lending institutions. Loan review procedures are complicated and the loan review itself may take time. Furthermore, even if a sales contract is established between the real estate property seller and the real estate property purchaser, as a result of the loan examination, the loan may be impossible. In such a case, there is a problem that the contract is wasted, and it is necessary to search for a property that meets the conditions again, which takes more time.

In addition to these systems, there is a conventional technique related to a system in which a real estate property transaction support system and a financial institution server are connected via the Internet.
Patent Document 5 is a real estate property transaction system using a communication network, which connects a server and a financial institution server, uses a loan calculation program incorporated in the server, or uses a loan calculation server of a financial institution, A system is described that allows for a loan trial based on the latest loan data and provides a more useful tool for the purchaser. In addition, the real estate property transaction system of Patent Document 5 can input data necessary for loan application from a terminal after a sales contract is established, and can send the input data to a financial institution server. If the financial institution at the same time as the financial institution at the time of loan application is the same, the data has already been entered at the time of the trial calculation, so the settlement of the financial institution can be made simply, quickly and accurately.

  Patent Document 6 discloses a real estate loan examination mediation method that mediates real estate loan examination via a network, in which property information is registered in a database so that a purchaser can search, and a loan is obtained from a purchaser for the searched property. In the case of an application, there is described a method for allowing a purchaser to input personal information and memorizing it, creating an e-mail indicating that a request for examination has been made, and sending it to an e-mail address of a financial institution. In the method of the present invention, the financial institution browses the personal information and property information of the individual from the terminal, inputs the examination result, and the computer of the system that receives the examination result sends the examination result to the purchaser. It is stated that the purchaser confirms the result.

  However, the system described in Patent Document 5 enables a trial calculation of a loan by receiving the latest loan data from a financial institution, and a loan application means for a purchaser who intends to apply for a loan, and the input data as a financial institution. And only means for transmitting to the server. That is, the system only supports the purchaser's decision by providing the purchaser with the loan calculation result, and is a system unrelated to the financial institution's examination itself. Further, the system described in Patent Document 6 is a system that merely “mediates” the exchange of data related to loan examination.

  In addition to these technologies, there is a system as described in Patent Document 7. This system compares the loan lending conditions presented by the financial institution with the loan borrower's borrowing conditions, and enables the loan borrowing application to be sent to multiple financial institutions that meet the conditions. It is possible to select a financial institution satisfying a condition from a plurality of financial institutions and apply for a loan to these financial institutions. However, in this system, it is the financial institution itself that actually performs all the screening.

  In addition, there are many loan examination systems in the case where a loan institution such as a financial institution (for example, a loan company) itself performs an examination like the technique described in Patent Document 8, for example. However, these systems are only systems that support the processing when the loan institution performs all of the examinations.

  In view of the above, the present invention is not originally related to a loan institution such as a financial institution, i.e., it is not originally assumed to perform a loan review (even if only a part of the loan review), The purpose is to enable an independent real estate property brokerage system to perform not only the transaction brokerage processing of real estate properties but also at least part of the loan examination that has been conventionally performed by a loan institution.

  In order to achieve the above object, according to the first aspect of the present invention, a plurality of customer terminals, a plurality of real estate property intermediary terminals, a plurality of loan agency servers, and a real estate property transaction processing server are included. A real estate property transaction support system for supporting real estate property transactions, in which each of a plurality of terminals, a plurality of loan agency servers, and a real estate property transaction processing server are interconnected via a communication network, Loan received from at least some of the multiple real estate property information, valuation value calculation information used to calculate the valuation value of the real estate property, and multiple loan agency servers in a database communicably connected to the property transaction processing server A plurality of loan conditions including conditions are stored, and the real estate property transaction processing server conforms to a search condition input from any of a plurality of terminals. Real estate property information search means for searching for information on one or a plurality of real estate properties from a plurality of real estate property information, and an evaluation for calculating the evaluation value of the real estate property based on the real estate property information and the evaluation value calculation information For determining whether or not the desired loan condition input by the loan applicant for the at least one real estate property searched by the amount calculation means and the real estate property information search means satisfies any of a plurality of loan conditions When the loan condition determining means and the desired loan condition satisfy one of a plurality of loan conditions, a loan examination certification information including an evaluation value of at least one property calculated by the evaluation value calculating means is issued. There is provided a real estate property transaction support system including a simple loan examination certification information issuing means.

  According to the second aspect of the present invention, real estate for supporting real estate property transactions interconnected via a communication network with a plurality of customer terminals, a plurality of real estate property broker terminals, and a plurality of loan agency servers A property transaction processing server, which is connected to a real estate property transaction processing server in a communicable manner, includes a plurality of real estate property information, evaluation value calculation information used for calculating a real estate property evaluation value, and a plurality of loan institutions A plurality of loan conditions including at least a part of the loan conditions received from at least a part of the server, and a plurality of pieces of information on one or a plurality of real estate properties that match a search condition input from any of a plurality of terminals Real estate property information search means for searching from real estate property information, and calculate the real estate property evaluation value based on the real estate property information and evaluation value calculation information Whether or not the desired loan condition entered by the loan applicant for the at least one real estate property searched by the real estate property information search means and the real estate property information search means satisfies one of a plurality of loan conditions When the loan condition determining means for determining and the loan request condition satisfy any of the plurality of loan conditions, the loan examination certification information including the evaluation amount of at least one real estate property calculated by the evaluation amount calculating means is provided. A real estate transaction processing server characterized in that it includes a loan examination certification information issuing means for issuing.

  According to the third aspect of the present invention, each of the plurality of terminals includes a plurality of customer terminals, a plurality of real estate property broker terminals, a plurality of loan agency servers, and a real estate property transaction processing server. A real estate property transaction support method performed by a real estate property transaction support system for supporting real estate property transactions, in which a real estate property transaction server is interconnected via a communication network. Loan conditions received from at least some of the plurality of real estate property information, valuation amount calculation information used to calculate the valuation amount of the real estate property, and at least a part of the plurality of loan agency servers in a database communicably connected to the transaction processing server At least a plurality of loan conditions including, and one or a plurality of immobilities that match a search condition input from any of a plurality of terminals Searching property information from a plurality of real estate property information, calculating property value based on real estate property information and evaluation value calculation information, and at least one property searched in the searching step If the loan request condition entered by the loan applicant for the property satisfies one of multiple loan conditions and if the loan request condition satisfies one of the multiple loan conditions, Issuing a loan examination certification information including an evaluation value of at least one real estate property calculated in the step of calculating an evaluation value, and providing a real estate property transaction support method.

  According to a fourth aspect of the present invention, there is provided a real estate property transaction support computer program for causing a computer to execute the real estate property transaction support method according to claims 9 to 12.

  According to the present invention, it is possible for this system to take charge of at least a part of the loan examination that has been conventionally performed in all loan institutions. That is, according to the present invention, for example, a series of real estate property transaction support processing that is possible in the conventional system, such as registration and search of real estate property information, assessment of real estate properties, search for intermediaries, provision of real estate property transaction related information, etc. In addition, when the real estate property transaction processing server has issued proof that a simple loan review has been performed when the loan request condition of the real estate property condition satisfies the loan facility's simple loan condition, With respect to the loan to the purchaser and the real estate property included in the certification information, it can be considered that a part of the loan examination that has been performed in the conventional financial institution has already been performed.

  Embodiments of a real estate property transaction support system, a real estate property transaction processing server, a real estate property transaction support method, and a real estate property transaction support computer program according to the present invention will be described below in detail with reference to the drawings. Note that the present invention is not limited to the following embodiments.

1. Configuration of the System (1) Overall Configuration of the System FIG. 1 is a schematic diagram of the overall configuration of the system according to an embodiment of the present invention. The system includes a real estate property transaction processing server 1 for executing a series of processes related to real estate property transactions, and real estate between a customer (for example, a real estate property seller) and another customer (for example, a real estate property purchaser). Multiple broker terminals 2 used by brokers (for example, real estate agents) that mediate property transactions, multiple customer terminals 3 used by multiple customers who wish to sell or purchase real estate properties, and multiple loans The engine server 5 is connected to be communicable with each other via a communication network 6 such as the Internet. The real estate property transaction processing server 1 includes a processing control unit 12 for performing real estate property transaction processing according to the present invention, a database 15 for storing data such as real estate property information necessary for processing, and data via the communication network 6. And at least a communication control unit 20 that controls transmission and reception of data.

  The basic operation of this system is as follows. Real estate property information input from a customer terminal 3 or an intermediary terminal 2 by a customer or intermediary who wants to sell or refinance real estate properties is stored in the database 15 by the real estate property transaction processing server 1. The real estate property transaction processing server 1 matches the search condition according to the search condition of the real estate property input from the customer terminal 3 or the mediator terminal 2 by the customer or intermediary who wants to purchase and / or finance the real estate property. Information is searched from the database 15 and the search result is transmitted to the customer terminal 3.

  On the other hand, the loan condition received from the loan institution server 5 or the loan condition presented by the loan institution is registered in the database 15 in advance or as necessary. When a real estate property purchaser or a refinancing loan applicant applies for a loan upon purchasing or refinancing a real estate property, information to that effect is transmitted from the customer terminal 3 or the broker terminal 2 to the real estate property transaction processing server 1 The Loan request conditions including customer personal information input from the customer terminal 3 or the broker terminal 2 are compared with a plurality of loan conditions stored in the database 15. As a result of the comparison, if the desired loan condition satisfies any one of the loan conditions, the real estate transaction processing server 1 issues certification information that proves that the desired loan condition satisfies the loan condition. The person in charge of the loan institution or the loan institution server 5 that has received the certification information determines the legitimacy of the certification information, and when it is determined that the certification information is valid, the loan is performed. In the lending institution, there may be a case where a final examination is performed in which a loan is finally determined based on the above lending conditions and / or other conditions.

(2) Configuration of Real Estate Property Transaction Processing Server FIGS. 2 and 3 are schematic diagrams showing the configuration of the processing control unit 12 and the database 15 of the real estate property transaction processing server 1 according to an embodiment of the present invention. As shown in FIG. 2, in the present embodiment, the processing control unit 12 includes a customer (seller) information registration unit 121, a customer (purchaser etc.) information registration unit 122, an intermediary information registration unit 123, and a real estate property. Information registration means 124, loan institution information registration means 125, real estate property information search means 126, evaluation amount calculation means 127, manual / loan registration means 128, loan condition determination means 129, loan examination certification information issue means 130, contract case registration / Although comprised including the search means 131, the loan condition registration means 132, and the mediator search means 133, it is not limited to these. For example, when an online assessment is executed, a means for confirming the contents of the assessment and information for assisting the purchase decision by the real estate property purchaser (for example, information such as school district data from the purchased real estate property) are provided. There may be further provided means for providing information on land price announcement and land price survey on a text basis, together with image information or map information, and the like.

Each means performs the following processing.
Customer (seller) information registration means 121; receives information on the seller of the real estate property input from the customer terminal 3 or the broker terminal 2 and registers it in the database 15.
Customer (purchaser etc.) information registration means 122; receives information on the purchaser of the real estate property or the loan refinance applicant inputted from the customer terminal 3 or the broker terminal 2, and registers it in the database 15.
Intermediary information registration means 123; receives information on the real estate agent input from the intermediary terminal 2 and registers it in the database 15.
Real estate property information registration means 124; receives real estate property information input from the customer terminal 3 or the broker terminal 4 and registers it in the database 15.
Financing institution information registration means 125; receives information on the lending institution from the lending institution server 5 and registers it in the database 15. Alternatively, information relating to the loan institution input from the terminal of the loan institution and / or information relating to the loan institution received by the paper medium or the electronic medium from the loan institution and input by the operator of this system is registered in the database 15.
Real estate property information search means 126; receives real estate property search conditions input from the customer terminal 3 or the broker terminal 2, and searches the database 15 for real estate property information that matches the conditions.
Evaluation amount calculation means 127; receives an online assessment request input from the customer terminal 3 or the broker terminal 2, and calculates a system-specific evaluation amount based on the transaction case comparison method.

Manual / loan registration means 128; Receives manual information or loan application information input from the customer terminal 3 or the broker terminal 2 and registers it in the database 15 as real estate property information. It is also possible to provide a function for restricting another person's access to the real estate property information for which manual information and loan application information have been registered.
Loan condition determination means 129; determines whether the desired loan condition satisfies the loan condition.
Loan examination certification information issuing means 130; when the desired loan condition satisfies the loan condition, it issues certification information proving that. The issued certification information is output to a paper medium or an electronic medium, or transmitted to the loan institution server 5.
Contract case registration / retrieval means 131; Receives information on contract cases input from the broker terminal 2 and registers them in the database 15. Further, the contract case is searched in response to a request from the mediator terminal 2, and the search result is transmitted to the mediator terminal 2.
Loan condition registration means 132; the loan condition stored in the loan institution server 5 is acquired automatically or by a command from the administrator of this system and registered in the database 15. Alternatively, the loan conditions presented by the loan institution and input by the system administrator or the like are registered in the database 15.
Intermediary search means 133; In response to a search request from the customer terminal 3, an intermediary is searched from the database 15.

  As shown in FIG. 3, in this embodiment, the database 15 includes a customer (seller) information database 151, a customer (purchaser etc.) information database 152, an intermediary information database 153, a real estate property information database 154, a loan. Including, but not limited to, an institution information database 155, an evaluation amount calculation information database 156, a loan condition information database 157, and a contract case information database 158. For example, a database that stores knowledge information about real estate to be displayed on customer terminals when requested by a customer, a database that stores base map information so that various types of information can be provided on a map, etc. Further, it may be provided.

The contents of the information stored in each database are, for example, the following information, but are not limited thereto, and as long as the object and effect of the present invention can be achieved, the other information is each You may add to the database. Information of each database is stored in association with each other not only in each database but also between databases through various IDs.
Customer (seller) information database 151; real estate property attributes (for example, customer ID, password, name, address, telephone number, fax number, email address, etc.) and real estate property ID
Customer (buyer etc.) information database 152; real estate property purchaser or refinancing loan applicant attributes (for example, customer ID, password, name, address, telephone number, FAX number, e-mail address, etc.) and desired loan condition information (For example, age, gender, occupation, annual income, family structure, self-finance, desired loan amount, repayment period, interest rate form, collateral information, desired loan institution, etc.)
Broker information database 153; broker attributes (for example, broker ID, password, name, location, nearest station, time from nearest station, telephone number, FAX number, e-mail address, business hours, regular holiday, person in charge, property Real estate property ID)
Real estate property information database 154; Property information (for example, real estate property ID, property name, location, nearest station, time from nearest station, building structure, new construction date, building age, total floor area, exclusive area, wall core area , Land area, building area, property type (for example, detached house, vacant land, condominium, etc.), floor plan, number of floors, number of units, location conditions, incidental equipment, property photo, indoor situation, public law restrictions, map information, etc.), Amount information (for example, desired price for sale by seller, management cost, repair cost, etc., and evaluation value obtained by online assessment, desk assessment or visit assessment, etc.), customer ID, broker ID, manual information, financing Application information

Loan institution information database 155; Loan institution attributes (for example, loan institution ID, name, location, telephone number, FAX number, e-mail address, person in charge, etc.)
Valuation amount calculation information database 156; standard unit price of land, correction factor based on local individual factors of land and buildings, building replacement cost by region, actual building price ratio, standard unit price of apartment, and individual apartment price Evaluation amount calculation information such as a correction coefficient based on the factor Loan condition information database 157; Loan conditions of the loan institution (for example, the desired loan amount is 80% or less of the evaluation value of the desired real estate for loan, and the annual repayment amount is 20 % Or less, the loan applicant's age is between 20 and 65 years old and is less than 80 years old at the time of loan completion, the repayment period is 35 years or less, and the maximum loan amount is 100 million yen or less (Note that these conditions may vary depending on the financial institution)
Closed case information database 158; for example, case information data related to closed transactions such as sold property information, evaluation value information, broker information, seller information, purchaser information, desktop assessment information, and visit assessment information

  In this embodiment, in FIGS. 1 and 3, the database 15 is shown as an internal component of the real estate property transaction processing server 1, but is not limited to such a form, for example, via the communication network 6. One or a plurality of components separated from the real estate property transaction processing server 1 that are communicably connected may be used. Further, some or all of the functions of the real estate property transaction processing server 1 and the loan institution server 5 can be realized by a software program, hardware, or a combination of a software program and hardware. The software program is stored in a recording medium (not shown) such as a hard disk, a CD-ROM, or a magneto-optical disk provided inside or outside the real estate transaction processing server 1 and the loan institution server 5, and is necessary. Accordingly, the data is read into the central processing unit and / or RAM (not shown) of the real estate property transaction processing server 1 and the loan institution server 5 and executed. Note that the mediator terminal 2 and the customer terminal 3 can be general-purpose computer systems such as desktop computers that can be connected to a communication network and are not described in detail in this specification.

(3) Configuration of the loan institution server The loan institution server 5 is valid for the loan examination certification information received from the real estate property transaction processing server 1 together with a communication control unit that transmits and receives various data to and from the real estate property transaction processing server 1. When it is determined that the information is valid, the loan screening certification information determining means 141 for automatically returning a response to that effect and the generation of the screening information for generating the screening information It is possible to have a processing control unit including at least the means 142 and a database that stores at least the loan condition information necessary for the loan examination and the main examination information necessary for the main examination.

2. Details of Processing Next, details of the real estate property transaction support processing according to the present invention realized by the embodiment of the present invention configured as described above will be described. 4 to 7 are flowcharts showing the flow of processing according to an embodiment of the present invention.

(1) Registration of Mediator In the system according to an embodiment of the present invention, mediator information regarding a plurality of mediators (real estate agents) of a real estate property is registered in the mediator information database 153 in advance or as needed. Is done. The registration of the mediator information can be performed by, for example, the following processing method known to those skilled in the art (not shown). That is, a mediator who intends to register in the system first calls an initial screen of the system (for example, a portal site of the system) from the mediator terminal 2 used by the mediator. In response to the call, the broker terminal 2 transmits an initial screen data transmission request to the real estate property transaction processing server 1 via the communication network. In response to this request, the real estate transaction processing server 1 stores data for displaying an initial screen on the broker terminal 2 in the database 15 (for example, a database of web data for displaying the screen of this system on each terminal). ) And transmits the acquired data to the mediator terminal 2. The mediator calls the registration screen for mediator information from the initial screen which is transmitted as data from the real estate transaction processing server 1 and displayed by being interpreted by the web browser of the mediator terminal 2. In response to this call, the broker terminal 2 transmits a registration screen data transmission request to the real estate property transaction processing server 1.

  In response to this request, the real estate transaction processing server 1 acquires data for displaying the registration screen on the mediator terminal 2 from the database 15, and transmits the acquired data to the mediator terminal 2. The mediator inputs mediator information via a registration screen that is transmitted as data from the real estate property transaction processing server 1 and displayed by being interpreted by the web browser of the mediator terminal 2. The entered broker information is transmitted to the real estate property transaction processing server 1. The real estate property transaction processing server 1 that has received the broker information stores the broker information in the broker information database 153 by the broker information registration means 123. After the mediator information is stored in the database, the real estate property transaction processing server 1 issues the mediator ID and password and stores them in the mediator information database 153. The issued mediator ID and password are communicated to the mediator by an arbitrary method (for example, e-mail, mail, etc.). Thereafter, transmission / reception of various types of information between the real estate property transaction processing server 1 and the broker terminal 2, the customer terminal 3, and the loan agency server 5 is performed in a manner well known to those skilled in the art. Details are omitted.

(2) From Real Estate Property Registration of Real Estate Property to Conclusion of Brokerage Agreement FIG. 4 shows a processing flow until the real estate property information desired by the real estate property seller is registered in the database 15.
In this system, a person who wants to sell a real estate property can check the evaluation value of the real estate property to be sold from the customer terminal 3. This evaluation amount is an evaluation amount of the real estate property unique to the system according to the present invention, which is automatically calculated (hereinafter referred to as online assessment) by the evaluation amount calculation means 127 of the system. When a request for online assessment of a real estate property is made from the customer terminal 3 (s401), an online assessment screen is displayed on the customer terminal 3, and the seller can enter the real estate property information from the displayed online assessment screen. Is input (s402). Real estate property information to be entered includes, for example, property name, property type (detached house, condominium, land, etc.), location, land area, total floor area, occupied area, new construction date, nearest station, number of floors, equipment, floor plan, Although it can be set as a structure, location conditions, etc., it is not limited to these. The input real estate property information is transmitted to the real estate property transaction processing server 1 and stored in the real estate property information database 154 by the real estate property information registration unit 124 (s403). In response to the online assessment execution request (s404) from the customer terminal 3 of the real estate property, the evaluation value calculation means 127 of the real estate property transaction processing server 1 makes an online assessment from the real estate property information database 154 and the evaluation value calculation information database 156. Necessary data is acquired and the evaluation amount is calculated (s405).

  When the calculation of the evaluation amount is completed, the result is transmitted to the customer terminal 3 and displayed on the screen (s406). After confirming the evaluation value, the seller searches for an intermediary to request in order to request mediation of the real estate property. Based on the search request (s407) transmitted from the mediator search screen displayed on the customer terminal 3, the mediator search means 133 of the real estate property transaction processing server 1 selects a property in the area based on the location of the property. One or more intermediaries to be handled are searched from the intermediary information database 153 and transmitted to the customer terminal 3 (s408). When requesting mediation from one of the searched mediators, the seller contacts the mediator and concludes a mediation contract with the mediator. When the brokerage contract is established, the broker inputs information indicating that he / she will mediate the real estate property for which the brokerage contract is established from the broker terminal 2 (s409), and the information is the broker of the real estate transaction processing server 1. It is stored (s410) in the information database 153 and / or the real estate property information database 154 (that is, the real estate property ID and the broker ID of the real estate property are associated). In addition, if there is information that was not entered by the seller among the property information necessary for subsequent search or loan application, the broker obtains such information by hearing from the seller or own investigation, It is possible to input from the broker terminal 2 (S409). When the brokerage contract is established, the broker or seller can input information on the seller's attributes from the broker terminal 2 or the customer terminal 3 as necessary. The input information is stored in the customer (seller) information database 151 by the customer (seller) information registration means 121.

  The seller can also search for an intermediary without performing an online assessment (“N” flow in s401). In this case as well, based on the search request (s407) transmitted from the customer terminal 3, the intermediary search means 133 of the real estate property transaction processing server 1 (necessary) Depending on other conditions, such as closed days, distance from the nearest station, e-mail availability, etc.), one or more intermediaries that handle the property in the area A search is performed from the information database 153 (s408), and the search result is transmitted to the customer terminal 3. The mediator can directly request mediation from any of the mediators thus searched. When a brokerage contract is concluded without performing online assessment in this way, real estate property information to be brokered is not input at this point. Accordingly, in s409, the intermediary calls the real estate property registration screen to the intermediary terminal 2, inputs various real estate property information as described above from the registration screen, and the input real estate property information is stored in the real estate property transaction processing server. 1 is stored in the real estate property information database 154 by the real estate property information registration means 124 (s410).

  In the embodiment of the present invention, the calculation of the evaluation value of the real estate property by online assessment is performed as follows, for example. In the case of a detached house, the appraisal value is calculated by calculating the land price and building price of the target property and adding them. First, for land, the public price of land such as national land price announcements, land price surveys, route prices, etc. are surveyed and collected in advance. For an area where no official price is set, for example, an original price survey is performed in advance by the operator of this system. These prices are appropriately corrected in consideration of circumstances specific to transactions including transaction information including information obtained from intermediaries who are familiar with transaction conditions in the target region, the time of transactions, and the like. The price corrected in this way is stored in the evaluation amount calculation information database 156 as a land market unit price of the target area, that is, a standard unit price. When an online assessment is requested for a certain property, the land area of the property is acquired from the real estate property information database 154, and the standard unit price and correction coefficient of the area where the property is located are acquired from the evaluation value calculation information database 156. The correction coefficient is data set in advance by the operator of this system, for example, and stored in the evaluation amount calculation information database 156. For example, the road coefficient such as regional factors (eg, heading, width, pavement) , Topography, terrain, road conditions such as road contact surface conditions, conditions such as sunshine and ventilation, application area, proximity to the nearest station, maintenance status of sewers and gas, etc.) . The land price of the target property is calculated by multiplying the land area of the target property, the standard unit price, and the correction coefficient.

  On the other hand, with regard to the building of the target property, for example, the building reorganization by region that has been revised as appropriate based on the materials (building repurchase price by structure for each prefecture) that are referred to by, for example, the former Housing Finance Corporation or the Housing Lots and Buildings Transactions Association A procurement price and a unique building present value ratio are determined in advance, and these data are stored in the evaluation amount calculation information database 156. Further, for example, a correction coefficient for making a value judgment based on individual factors of the building such as the structure of the building (for example, the type of exterior wall material or roofing material, construction method, ancillary equipment, etc.) is determined in advance, and the evaluation amount calculation information database Stored in 156. When an online assessment is requested for a property, the total floor area of the property is obtained from the real estate property information database 154, and the above-mentioned building replacement cost, building present price ratio, and correction factor are obtained from the evaluation value calculation information database 156. To be acquired. The building price of the target property is calculated by multiplying the total floor area by the building replacement cost, the building present price ratio, and the correction factor.

  The appraisal value for a detached house is calculated by adding the land price and the building price calculated as described above. The evaluation amount may be modified as appropriate with other correction factors. Other correction factors can be data that reflects the marketability, such as the popularity of the property area, and added value other than land and building (for example, whether there is a garage or a garden) in the price, These data are stored in advance in the evaluation amount calculation information database 156.

  On the other hand, the appraisal value is calculated for apartments as follows. First, based on price surveys, condominium transaction examples, information gathered from local brokers, etc., the unit price of the standard room (room on the standard floor / standard) is calculated in advance. And stored in the evaluation amount calculation information database 156. In addition, individual correction coefficients are determined for condominium-specific factors, such as room floor, position (corner room or middle room), direction, and the like, and stored in the evaluation amount calculation information database 156 in the same manner. When an online assessment is requested for a certain property, the wall core area of the property is acquired from the real estate property information database 154, and the standard unit price and correction coefficient of the property are acquired from the evaluation value calculation information database 156. The evaluation value of the target property is calculated by multiplying the standard unit price by the wall core area and the correction coefficient.

  As described above, in one embodiment of the present invention, a seller can obtain a system-specific evaluation amount calculation (online assessment) result automatically performed by the evaluation amount calculation means 127 of the system. In another embodiment of the present invention, in addition to the online assessment, the seller can also request an assessment of the evaluation value by a registered intermediary (real estate agent). In this embodiment, when a request for requesting is transmitted from the customer terminal 3 and real estate property information is input from the customer terminal 3, the request and one or more intermediaries are notified of that fact and the property. Information is notified. The intermediary evaluates the real estate property based on his / her own market price based on the “basic data” such as the price on the desk assessment (neighboring sales and contracts, land price announcements, land price surveys, etc.) ) Or visit assessment (intermediary visits the real estate property and actually confirms the property, then calculates the appraisal value), and the result (evaluation value) is obtained by the customer terminal 3 or the intermediary By receiving directly from the seller, the seller can also know the valuation amount. Both desktop assessments and visit assessments can be requested from one or more of the retrieved intermediaries. The evaluation amount obtained as a result of the online assessment and the evaluation amount obtained as a result of the desktop assessment or the visit assessment by the intermediary are stored in the real estate property information database 154.

(3) Acquisition of loan condition information from the loan institution server The greatest feature of the system according to the present invention is that the loan institution has predetermined loan request conditions including a real estate property purchaser or a loan refinance applicant. It is not the loan institution but the real estate property transaction processing server 1 that determines whether the loan condition is satisfied. The real estate transaction processing server 1 issues a loan examination when the loan request condition satisfies the loan condition, and issues loan check certificate information certifying that the loan request condition satisfies the loan condition. The loan examination certification information includes the evaluation amount automatically calculated (ie, online assessment) within the system, and the evaluation amount (ie, desktop assessment amount or visit assessment amount) separately calculated by the intermediary as necessary. including. If the loan institution receives the loan examination certification information, the loan applicant and the real estate property included in the certification information are determined to be financed at least (unless the application details are false) (Depending on the loan institution, it may be considered that the loan decision was made when the certification information was issued). Thereafter, data and / or documents are sent and / or sent from the loan applicant to the loan institution as necessary, and the contents are examined by the loan institution (final review), so that the loan is finally determined. . As described above, according to the present invention, the present system can take part of the loan examination that has been conventionally performed in all loan institutions.

  Therefore, in this system, it is necessary to hold in advance in the system the loan conditions determined for each loan institution. Therefore, in one embodiment of the present invention, a person in charge of a loan institution inputs loan conditions from a terminal installed in the loan institution, and the input loan conditions are stored in the database of the loan institution server 5. . The real estate transaction processing server 1 acquires the loan conditions from the loan institution server 5 by the loan condition registration unit 132 and stores the loan conditions in the loan condition information database 157 of the database 15. The loan conditions are updated automatically or manually periodically or at a preset timing.

  In another embodiment of the present invention, the loan condition is not stored in the loan condition information database 157 in advance, but the real estate property transaction processing server 1 executes the loan institution every time processing for determining the loan condition is required. The loan conditions can be acquired from the server 5 and the acquired loan conditions can be stored in the database 157. By doing in this way, it becomes possible to determine loan conditions based on the latest loan conditions. In yet another embodiment, the operator of the present system can receive the loan conditions in a paper medium or electronic medium and input the contents from the terminal to store them in the loan condition database 157. The method for obtaining the loan conditions may be different for each of a plurality of loan institutions. For example, the loan conditions are automatically acquired from all the loan institution servers, or the loan conditions are automatically acquired from some of the loan institution servers, and paper or electronic media are acquired from some of the loan institutions. Can be acquired.

  Loan conditions can vary from one loan institution to another. The loan conditions are, for example, (1) the loan applicant's desired loan amount is 80% or less of the appraisal value of the real estate property, and (2) the annual repayment amount is 20% or less of the loan applicant's annual income, (3) The loan applicant's age is between 20 and 65 years old and is less than 80 years old at the time of loan repayment, (4) The loan repayment period is 35 years or less, and (5) The maximum loan amount is It may be a combination of all or some of the conditions such as being 100 million yen, but is not limited thereto. Each of these conditions can be used with weighting, and the weighting can be different for each loan institution. For example, in the case of the above condition example, if at least the conditions (1) to (3) are satisfied for a certain loan institution, the condition (4) is relaxed and the repayment period is set to 36 years, for example. Or, for other lending institutions, if the conditions of (1), (3) and (4) are satisfied, the condition of (2) is relaxed, for example, to 25% or less of the annual income. You can also

(4) Real estate property search by purchaser-brokerage contract Figure 5 shows the purchase of a real estate property by searching for a real estate property that matches the request, concluding a sales contract with the broker, and the handling information being stored in the database The processing flow of is shown.
In the embodiment of the present system, the purchaser of the real estate property can search for the real estate property that matches the desired condition via the real estate property search screen displayed on the customer terminal 3. The purchaser inputs desired conditions from the screen displayed on the customer terminal 3 (s501). Desired conditions include, for example, property type (detached house, condominium, land, etc.), location, nearest station, distance from the nearest station, price, land area, building area, exclusive area, floor plan, building age, incidental facilities, etc. However, it is not limited to these. The inputted desired conditions are transmitted to the real estate property transaction processing server 1, and the real estate property information search means 126 searches the real estate property information 154 satisfying the desired properties from the real estate property information database 154 (s502). When one or more real estate properties that match the desired conditions are searched, information on the real estate properties is transmitted to the customer terminal 3 and displayed on the screen (s504). Property information (search results) displayed on the customer terminal 3 includes, for example, property type (detached house, condominium, land, etc.), location, nearest station, distance from the nearest station, price, land area, building area, exclusive area, The floor plan and floor plan, building age, incidental facilities, property photos, maps around the property, etc. can be used, but the present invention is not limited to these. For example, a function to display the area where the market price of the property is included in the budget range or a function to display school district information on the map is added as a function to support the property search by the purchaser. You can also.

  The real estate property purchaser confirms the real estate property information displayed on the customer terminal 3 and, if one or more of the real estate properties meet the desired conditions, the one or more handling the real estate property. An inquiry can be made to the mediator (s508). If a real estate property that matches the desired condition is not searched, or if a real estate property that matches the desired condition is searched but the property is not desirable, the purchaser uses the customer terminal 3 in s501. Enter another desired condition again. In addition, the purchaser can register a desired condition of the real estate property to receive notification by e-mail or the like when the real estate property that matches the request is registered in the system.

  In s504, the real estate property information is displayed on the customer terminal 3, but as the information accompanying the real estate property information, the desired sale price set by the seller or intermediary of the real estate property can be displayed on the customer terminal 3. After confirming this price, the purchaser can also check the valuation price of the real estate property automatically calculated by the valuation price calculation means 127 (execute online assessment). For example, when a request for online assessment of a real estate property is made from a menu simultaneously displayed on the customer terminal 3 on which the real estate property information is displayed (s505), the evaluation value calculation of the real estate property transaction processing server 1 is performed. The means 127 acquires information necessary for calculating the evaluation value of the real estate property from the real estate property information database 154 and the evaluation value calculation information database 156, and calculates the evaluation value (s506). When the calculation of the evaluation amount is completed, the result is transmitted to the customer terminal 3 and displayed on the screen (s507). If an online assessment has already been performed for the real estate property, the evaluation value can be transmitted to the customer terminal 3.

  Purchasing after confirming the real estate property information retrieved and displayed on the customer terminal 3 and the evaluation value based on online assessment (if the online assessment has not been conducted, the desired sale price by the seller or broker) If necessary, the person can make an inquiry including a purchase price negotiation to one or more intermediaries that handle the real estate property. The inquiry can be made, for example, from the customer terminal 3 or by telephone or e-mail. At this time, since the attributes of the purchaser are not notified to the mediator, the purchaser can easily make an inquiry including price negotiation with a plurality of mediators. Inquiries can be made from the customer terminal 3 by, for example, entering an inquiry item in the inquiry field displayed together with the real estate property information on the customer terminal 3 and clicking a send button displayed on the screen. (S508). When the inquiry is received from the customer terminal 3, the mediator search means 133 of the real estate transaction processing server 1 searches for the corresponding mediator from the mediator information database 153 and transmits the inquiry information to the mediator terminal 2. (S509). The mediator inputs an answer to the inquiry from the mediator terminal 2 (s510), and the answer is transmitted to the customer terminal 3 and displayed on the screen (s511). After confirming the contents, the purchaser can enter into a sales contract by directly negotiating with one of the brokers.

  If a sales contract is concluded as a result of a negotiation between the purchaser and the broker, information indicating that the property has been trimmed from the broker terminal 2 or the customer terminal 3 (manual information) Then, the purchaser's name, address, telephone number, FAX number, e-mail address, and other attributes are input and transmitted to the real estate transaction processing server 1 (s512). Upon receiving the handing information, the handing / loan registration unit 128 of the real estate property transaction processing server 1 stores the handing information in the real estate property information database 154 (s513). Further, attributes such as the purchaser's name, address, telephone number, FAX number, and mail address are stored in the customer (purchaser etc.) information database 152 by the customer (purchaser etc.) information registration means 122. At the time when the manufacture information is stored in the real estate property information database 154, the manufacture / loan registration means 128 restricts access from the other customer terminals 3 and the broker terminal 2 to the real estate property (s514). This access restriction may be canceled by inputting information (for example, manual release input) indicating that the sales contract has been canceled, for example, from the customer terminal 3 and the broker terminal 2. it can.

(5) Loan Examination As described above, the main feature of the system according to the present invention is that the loan applicant's desired loan conditions are predetermined by the loan institution and stored in the loan condition information database 157 (or necessary). This system is responsible for part of the loan review by determining in the real estate property transaction processing server 1 instead of the loan institution whether or not the loan conditions are satisfied (according to each time and stored in the database 157). It is to be able to. FIG. 6 and FIG. 7 show the process flow of the loan examination performed in the embodiment of the present invention when the purchaser wants to finance the purchase of real estate for the real estate property to which the handling information is given as described above. is there. Note that the steps from s601 to s611 in FIG. 6 are the same as the steps from s701 to s711 in FIG. 7, and the subsequent steps are embodiments in which the issued loan examination certification information is output to a paper medium or an electronic medium. It differs depending on whether it is an embodiment in which it is transmitted directly to the loan institution server 5 via the communication network 6.

  When the purchaser wishes to finance the purchase of the real estate property, the broker terminal 2 inputs information (loan application information) indicating that the real estate property is desired to be financed. It is transmitted to the real estate property transaction processing server 1 (s601 and s701). 6 and 7 illustrate that various information and the like are input, transmitted, and received at the mediator terminal 2, but part or all of necessary information input, transmission, and reception is performed. Can be performed at the customer terminal 3 and vice versa. Upon receiving the loan application information, the real estate property transaction processing server 1 stores the information in the real estate property information database 154 (s602 and s702). When the loan application information is stored in the database, the real estate property transaction processing server 1 transmits data related to the desired loan condition input screen to the broker terminal 2, and the desired loan condition input screen is displayed on the broker terminal 2. (S604 and s704). The purchaser or intermediary inputs the desired loan conditions including the purchaser's personal information from the desired loan condition input screen. Personal information can be, for example, age, gender, occupation, annual income, family structure, etc., and loan request conditions include, for example, own funds, desired loan amount, repayment period, interest rate form, collateral information, desired loan institution, etc. However, the present invention is not limited to these. The loan request conditions are stored in the customer (purchaser etc.) information database 152 (s605 and s705).

  In one embodiment of the present invention, at least the evaluation value (online appraisal value) of the real estate property by this system is included in the loan examination certification information. As shown in FIGS. 4 and 5, when the evaluation value of the real estate property is obtained by online assessment (“Y” flow in s606 and s706), the process proceeds to the next step. If the valuation amount has not been calculated at this time, or it has to be recalculated, for example, because an appropriate evaluation has not been performed due to lack of information necessary for the previous online assessment. In this case (“N” flow in s606 and s706), the evaluation value calculation unit 127 of the real estate property transaction processing server 1 calculates the evaluation value from the real estate property information database 154 and the evaluation value calculation information database 156 as described above. Data necessary for the calculation is acquired and the evaluation amount is calculated (s607 and s707). The assessment information including at least the evaluation amount calculated in this way is included in the loan examination certification information.

  Next, when a loan examination execution request is transmitted from the broker terminal 2 by, for example, clicking a button displayed on the screen of the broker terminal 2, and the real estate property transaction processing server 1 receives the request, the customer (buyer, etc.) The loan request conditions stored in the information database 152 are stored in advance in the loan condition information database 157 by the loan condition determination means 129 (or acquired each time if necessary and stored in the loan condition information database 157). ) Compared with loan conditions (s608 and s708). For example, the value of a purchased real estate property is 30 million yen, and the loan condition of a certain loan institution is (1) the desired loan amount is 80% or less of the evaluation value of the purchased real estate property, (2) annually The repayment amount is 20% or less of the annual income, (3) the purchaser's age is between 20 and 65 and the loan is less than 80 when the loan is fully paid, and (4) the loan repayment period is 30 years or less. It is assumed that (5) the upper limit of the loan amount is 100 million yen. The lending institution that wants the buyer's loan is the lending institution presenting these conditions, and the purchaser's desired loan condition is, for example, (a) Self-funded 15 million yen, desired loan amount 15 million Yen, (b) Annual income 5 million yen, (c) Age 30 years, (d) Desired repayment period 35 years. In this case, the conditions (1) to (3) and (5) are satisfied, but since the condition (4) is not satisfied, the loan examination is rejected under this condition. In such a case (“N” flow in s609 and s709), the purchaser may pass the loan review in s604 and s704, for example, by changing the repayment period to 30 years on the loan request condition input screen. it can.

  If the purchaser does not specify the desired loan institution, the desired loan conditions are stored in advance in the loan condition information database 157 in s608 and s708 (or acquired each time if necessary, and the loan conditions It is compared with a plurality of loan conditions of a plurality of loan institutions (stored in the information database 157). Therefore, the purchaser can select a loan institution with the best conditions and apply for the loan to the loan institution.

(6) Issuance of loan examination certification information The loan request conditions input from the broker terminal 2 or the customer terminal 3 and stored in the database, and stored in the loan condition information database 157 in advance (or obtained whenever necessary) The loan condition of the plurality of loan institutions (stored in the loan condition information database 157) is compared by the loan condition determination means 129. As a result, if the desired loan condition satisfies the loan condition ("Y" in s609 and s709) The loan examination certification information is issued by the loan examination certification information issuing means 130 of the real estate property transaction processing server 1 (s610 and s710). The loan examination certification information is that at least the loan institution that received the certification information has properly conducted the loan examination and that the purchaser and the real estate that issued the certification information satisfy the loan conditions, that is, the loan examination certification. Data that can confirm that the information is valid, for example, personal information of the buyer of the real estate property, property information of the real estate property to be purchased, information indicating that the loan request conditions satisfy the loan condition, loan request condition and loan The information includes the result of comparison with each of the conditions and data such as the evaluation amount. In the case of an embodiment in which the loan examination certification information is transmitted to the loan agency server 5 via the communication network 6 (this embodiment will be described later), the loan examination certification issued by the loan examination certification information issuing means 130 In order to prevent falsification of information, the real estate property transaction processing server 1 is further provided with encryption means well known to those skilled in the art, such as the RSA encryption method, and the loan examination certification information is encrypted and loaned It is preferable to transmit to the engine server 5.

  When the loan examination certification information is issued, the real estate property transaction processing server 1 notifies the customer terminal 3 or the broker terminal 2 that the loan request conditions satisfy the loan conditions (s611 and s711). . This notification is made as soon as a loan request condition is input from the broker terminal 2 or the customer terminal 3, a request for executing a loan review is transmitted, the comparison with the loan condition is completed, and loan review certification information is issued. To the mediator terminal 2 or the customer terminal 3. Therefore, as long as there are no errors in the desired loan terms, the purchaser will immediately decide whether or not the loan will be made at the desired loan institution, or the loan institution that will provide the loan under the desired loan conditions. I can know.

  In the embodiment of the present invention shown by the flow of FIG. 6, the real estate property transaction processing server 1 then issues a loan examination certification information ID uniquely corresponding to the certification information (s612) (ie, financing The examination certification information ID is associated with the loan examination certification information). The loan examination certification information ID is associated with at least the desired loan condition including the customer ID and / or personal information of the real estate property purchaser, and the real estate property ID and / or property information of the real estate property information to be purchased. As will be described later, the loan examination certification information ID can be associated with the various information necessary for the person in charge of the loan institution to collate the contents of the examination certification information with the various information stored in the database 15. The loan examination certification information including the issued loan examination certification information ID is output to a paper medium or output to an electronic medium such as a floppy (registered trademark) disk as an electronic file (s614). The purchaser of the real estate property submits the paper medium or electronic medium on which the loan examination certification information is output to the loan institution. In the loan institution, the person in charge accesses the server 1 from, for example, a terminal installed in the loan institution, and from the screen for loan examination certification information confirmation, the loan examination certification information written on paper or stored in the electronic medium Enter your ID. The entered loan examination certification information ID is transmitted via the communication network 6 and received by the real estate property transaction processing server 1 (s615). The server 1 transmits information such as desired loan conditions associated with the loan examination certification information ID and detailed property information (equivalent to the important matter manual if necessary) to the loan institution server (s616). In the loan institution, the content of the received information is collated with the content of the electronic file in the paper medium or electronic medium, and if there is no error in the content, that fact is sent from the loan institution terminal via the real estate property transaction processing server 1. (S617) The customer terminal 3 or the intermediary terminal 2 is notified (s618) (or the fact is notified in writing from the loan agency). As a result, the loan request is considered to have passed the loan review, and the loan is executed after the main review performed as necessary.

  In another embodiment of the present invention shown by the flow of FIG. 7, when loan examination certification information is issued, the loan examination certification information is sent from the real estate property transaction processing server 1 via the communication network 6 to the loan agency server. 5 (s712). In the loan institution server 5 that has received the loan examination certification information, the validity of the loan examination certification information is automatically determined. Information included in the loan examination certification information, for example, personal information of the purchaser of the real estate property, property information of the real estate property to be purchased, and desired loan conditions are provided by the loan examination certification information determination means 141 of the loan institution server 5 as loan conditions. The validity of information such as information indicating that the condition is satisfied, the result of comparison between the loan request condition and the loan condition, and the evaluation amount is confirmed. For example, the same data as the loan conditions stored in the real estate property transaction processing server 1 is held in the loan institution server 5, and the data and the loan examination certificate transmitted to the loan institution server 5 are verified. This is done by checking the content of the information. Next, the loan institution server 5 receives, for example, certification information, and sends a response indicating that the validity of the certification information has been confirmed as a result of the determination to the real estate property transaction processing server 1, so that The real estate property transaction processing server 1 can be notified that the decision has been made. Upon receiving the response from the loan institution server 5 (s713), the real estate transaction processing server 1 notifies the customer terminal 3 that the loan examination has been passed (s714). In another embodiment of the present invention, the process when the loan examination certification information is output as a paper medium or an electronic medium and the process when it is transmitted to the loan agency server 5 via the communication network 6 are performed. It can also be mixed. That is, the loan examination certification information is output by paper medium or electronic medium to some loan institutions, and the loan examination certification information is transmitted to the other loan institutions via the communication network 6. be able to.

  So far, embodiments for supporting real estate property sales transactions and related loan examinations have been described with reference to FIGS. However, this system can also be applied as a support system for loan applicants who are interested in refinancing. In this case, processing by this system is performed as follows. The loan applicant makes a request from the customer terminal 3 to make an online assessment of a real estate property for which refinancing is desired (s401 in FIG. 4), and inputs information on the real estate property (s402). In addition, since the information necessary to calculate the evaluation amount necessary for the loan application is diverse, if the loan applicant himself can not enter all the information, it may ask the intermediary, The property information input may be performed from the mediator terminal 3. The input real estate property information is transmitted to the real estate property transaction processing server 1 and stored in the real estate property information database 154 by the real estate property information registration unit 124 (s403). In response to the online assessment execution request (s404) from the customer terminal 3, the evaluation value calculation means 127 of the real estate property transaction processing server 1 obtains the property information from the real estate property information database 154 via the real estate property information search means 126. In addition to searching / acquiring, data necessary for online assessment is acquired from the evaluation amount calculation information database 156, and the evaluation amount is calculated (s405). When the calculation of the evaluation amount is completed, the result is transmitted to the customer terminal 3 and displayed on the screen (s406).

  The loan applicant inputs information (loan application information) indicating that the loan application is desired from the customer terminal 3, and the information is transmitted to the real estate transaction processing server 1 (s601 in FIG. 6 and FIG. 7). S701). Upon receiving the loan application information, the real estate property transaction processing server 1 stores the information in the real estate property information database 154 (s602 and s702). When the loan application information is stored in the database, the real estate transaction processing server 1 transmits data relating to the desired loan condition input screen to the customer terminal 3, and the desired loan condition input screen is displayed on the customer terminal 3 ( s604 and s704). The loan applicant inputs loan request conditions including personal information from the loan request condition input screen. The loan request conditions are stored in the customer (purchaser etc.) information database 152 (s605 and s705). Thereafter, the same processing as s606 to s618 in FIG. 6 or s706 to s714 in FIG. 7 is performed.

(7) Generation of Information Necessary for the Final Examination FIG. 8 shows a book which is performed as needed after the loan institution server 5 receives the loan examination certification information in another embodiment of the present invention shown in FIG. The processing flow until the final decision of the loan after examination is shown. When the desired loan condition satisfies the loan condition and the loan examination certification information is issued, the certification information is transmitted to the loan institution server 5 (s801). When the validity of the loan examination certification information is confirmed by the loan examination certification information determination means 141 of the loan agency server 5 (s802), automatically or by the credit institution in charge of the examination information generation means 142 of the loan agency server 5 The data and / or documents necessary for the final examination to finally determine the loan are determined by the person. The data and / or document information (final examination information) is transmitted to the real estate property transaction processing server 1 (s803). The data and / or documents required for this examination include, for example, data other than the data necessary for the loan examination conducted in this system, such as a seal certificate, resident's card, income certificate, salary certificate, identification card, etc. However, the present invention is not limited to these and may be different depending on the loan institution. The real estate property transaction processing server 1 that has received the examination information transmits the information to the customer terminal 3 or the broker terminal 2 (s805). The loan applicant confirms the main examination information, and inputs data necessary for the main examination from the input screen displayed on the customer terminal 3 or the broker terminal 2. The input data is transmitted to the loan institution server 5 via the real estate property transaction processing server 1 or without passing through the real estate property transaction processing server 1 (s806). The loan applicant may separately collect and prepare necessary documents and send them to the loan institution (s808).

(8) Notification of final decision on loan After the data and documents necessary for the final examination are transmitted and sent to the loan institution, the final examination for final decision and execution of the loan is performed by the loan institution (s807). . In this examination, for example, reconfirmation of the contents of examination certification information, confirmation of data other than data necessary for loan examination performed in this system, and contents of documents are performed. If the loan is determined as a result of this examination, a loan final decision notification is transmitted from the loan institution server 5 to the real estate property transaction processing server 1 (s809). The real estate property transaction processing server 1 transmits a final loan notification to the customer terminal 3 and / or the broker terminal 2 (s811 and s812). In the case of a transaction related to the sale of real estate properties, the broker inputs the sales contract as a contract case from the broker terminal 2 (s813), and the information is stored by the contract case registration unit 131 of the real estate transaction processing server 1. The contracted case database 158 is registered (s814). In the embodiment shown in FIG. 6 as well, the main examination shown in Step 807 of FIG. In this case, after the step s616, the loan institution should notify the loan applicant in writing of the data and / or documents necessary for the main examination and bring or mail the loan applicant with it. Also good. Alternatively, the data and / or documents necessary for the main examination are stored in the database of the loan institution server 5 by the same step as that shown in FIG. 8, that is, the certification information output to the paper medium or the electronic medium. Thereafter, the transfer may be performed by the same steps as the steps after s803.

  By performing the above processing, in this system, the loan examination was performed when the loan request conditions of the loan applicant including the real estate property purchaser or the loan refinancing applicant satisfy the loan conditions of the loan institution. Proof information is issued, and this proof information is received or received by the lending institution without modification, and the validity of the proof information is automatically confirmed by the person in charge at the lending institution or automatically at the lending institution server As for the loan to the loan applicant and the real estate property included in the certification information, it can be considered that a part of the loan examination that has been performed in the conventional financial institution has already been performed. The present invention realized by such a system provides the following advantages. First, when the loan examination certification information is issued and the loan institution confirms that the loan examination certification information is valid, at least (unless there is an error in the loan request conditions including the loan applicant's personal information) Loans will not be postponed depending on the circumstances of the loan institution. Therefore, it becomes easier for loan applicants to make a financial plan. Furthermore, when the loan examination certification information is received or received by the loan institution, the loan applicant is notified that there is at least a possibility that the loan will be decided. Can proceed without waiting for the result of this examination. Furthermore, since the main examination concerning the real estate property for which the loan examination certification information is issued and the loan applicant can be simplified, the examination burden on the loan institution is reduced. Furthermore, the loan applicant from whom the certification information is issued becomes a so-called excellent customer for the loan institution. Therefore, the loan institution can focus on excellent customers with high repayment reliability by using the system according to the present invention. In addition, if the preferential interest rate can be applied to the loan applicant and the real estate property for which the loan examination certification information has been issued by reducing the examination burden of the loan institution, the payment burden for the real estate property loan applicant will be reduced. It will be.

1 is a schematic diagram of an overall configuration of a system according to an embodiment of the present invention. It is the schematic which shows the structure of the process control part 12 of the real estate property transaction processing server 1 which concerns on one Embodiment of this invention. It is the schematic which shows the structure of the process control part 12 and the database 15 of the real estate property transaction processing server 1 which concerns on one Embodiment of this invention. It is a flow which shows the flow of the process which concerns on one Embodiment of this invention. It is a flow which shows the flow of the process which concerns on one Embodiment of this invention. It is a flow which shows the flow of the process which concerns on one Embodiment of this invention. It is a flow which shows the flow of the process which concerns on another embodiment of this invention. It is a flow which shows the flow of the process which concerns on one Embodiment of this invention.

Claims (13)

A plurality of customer terminals, a plurality of real estate property broker terminals, a plurality of loan agency servers, and a real estate property transaction processing server, each of the terminals, the plurality of loan agency servers, and the real estate property transaction processing A real estate property transaction support system for supporting real estate property transactions interconnected with a server via a communication network,
From a database connected to the real estate property transaction processing server in a communicable manner, a plurality of real estate property information, evaluation value calculation information used for calculating an evaluation value of the real estate property, and at least a part of the plurality of loan agency servers And at least a plurality of loan terms including the received loan terms,
The real estate property transaction processing server
Real estate property information search means for searching for information on one or more real estate properties that match the search condition input from any of the terminals from among the plurality of real estate property information;
An appraisal value calculation means for calculating the appraisal value of the real estate property based on the real estate property information and the appraisal value calculation information;
Loan condition determination for determining whether or not a loan request condition input by a loan applicant for at least one real estate object searched by the real estate object information search means satisfies any of the plurality of loan conditions Means,
Loan examination for issuing loan examination certification information including an evaluation value of the at least one property calculated by the evaluation value calculation means when the desired loan condition satisfies any of the plurality of loan conditions Certification information issuing means;
Real estate transaction support system characterized by including The loan examination certification information issuing means further issues a loan examination certification information ID associated with the loan examination certification information,
The real estate property transaction processing server further includes an output means for outputting the loan examination certification information and the loan examination certification information ID to a paper medium or an electronic medium.
The real estate property transaction support system according to claim 1, wherein: The real estate property transaction processing server further includes output means for outputting the loan examination certification information to at least a part of the plurality of loan agency servers via the communication network,
At least some of the plurality of loan agency servers determine the validity of the loan examination certification information received via the communication network, and if the loan examination certification information is valid, generate a response to that effect Including loan examination certification information judging means for
The real estate property transaction support system according to claim 1, wherein:   The loan conditions include a condition regarding a relationship between a loan applicant's desired loan amount and an evaluation value of a real estate property, a condition regarding a relationship between an annual repayment amount and a loan applicant's income, and a condition regarding a loan applicant's age. The condition according to any one of claims 1 to 3, characterized by being selected from the group consisting of: a condition relating to the loan repayment period, a condition relating to the upper limit of the loan amount, and a combination thereof. Real estate transaction support system. A real estate property transaction processing server for supporting real estate property transactions, interconnected with a plurality of customer terminals, a plurality of real estate property broker terminals, and a plurality of loan agency servers via a communication network,
From a database connected to the real estate property transaction processing server in a communicable manner, a plurality of real estate property information, evaluation value calculation information used for calculating an evaluation value of the real estate property, and at least a part of the plurality of loan agency servers And at least a plurality of loan terms including the received loan terms,
Real estate property information search means for searching for information on one or more real estate properties that match the search condition input from any of the terminals from among the plurality of real estate property information;
An appraisal value calculation means for calculating the appraisal value of the real estate property based on the real estate property information and the appraisal value calculation information;
Loan condition determination for determining whether or not a loan request condition input by a loan applicant for at least one real estate object searched by the real estate object information search means satisfies any of the plurality of loan conditions Means,
Loan examination for issuing loan examination certification information including an evaluation value of the at least one property calculated by the evaluation value calculation means when the desired loan condition satisfies any of the plurality of loan conditions Certification information issuing means;
A real estate transaction processing server characterized by including: The loan examination certification information issuing means further issues a loan examination certification information ID associated with the loan examination certification information,
An output unit for outputting the loan examination certification information and the loan examination certification information ID to a paper medium or an electronic medium;
The real estate property transaction processing server according to claim 5, wherein:   At least one of the plurality of loan institution servers, including loan examination certification information judgment means for judging validity of the loan examination certification information and generating a response to the effect when the loan examination certification information is valid 6. The real estate property transaction processing server according to claim 5, further comprising output means for outputting the loan examination certification information via the communication network.   The loan conditions include a condition regarding a relationship between a loan applicant's desired loan amount and an evaluation value of a real estate property, a condition regarding a relationship between an annual repayment amount and a loan applicant's income, and a condition regarding a loan applicant's age. The claim according to any one of claims 5 to 7, which is selected from the group consisting of: a condition relating to a loan amount repayment period; a condition relating to an upper limit of a loan amount; and a combination thereof. Real estate property transaction processing server. A plurality of customer terminals, a plurality of real estate property broker terminals, a plurality of loan agency servers, and a real estate property transaction processing server, each of the plurality of terminals, the plurality of loan agency servers, and the real estate property A real estate property transaction support method performed by a real estate property transaction support system for supporting real estate property transactions interconnected with a transaction processing server via a communication network,
From a database connected to the real estate property transaction processing server in a communicable manner, a plurality of real estate property information, evaluation value calculation information used for calculating an evaluation value of the real estate property, and at least a part of the plurality of loan agency servers And at least a plurality of loan terms including the received loan terms,
Searching for information of one or more real estate properties that match the search condition input from any of the terminals from among the plurality of real estate property information;
Calculating an evaluation value of the real estate property based on the real estate property information and the evaluation value calculation information;
Determining whether or not a loan request condition input by a loan applicant for at least one real estate searched in the searching step satisfies any of the plurality of loan conditions;
Issuing the loan examination certification information including the evaluation amount of the at least one real estate property calculated in the step of calculating an evaluation amount when the desired loan condition satisfies any of the plurality of loan conditions; ,
A real estate property transaction support method characterized by including: Issuing a loan examination certification information ID associated with the loan examination certification information;
Outputting the issued loan examination certification information and the loan examination certification information ID to a paper medium or an electronic medium;
Receiving the loan examination certification information ID input from the terminal of the loan institution that presented the loan condition determined to satisfy the loan request condition;
Transmitting the desired loan condition associated with the loan examination certification information ID to the terminal of the loan institution;
The real estate property transaction support method according to claim 9, further comprising: Transmitting the loan examination certification information to a loan institution server via the communication network;
The loan institution server that has received the loan examination certification information via the communication network determines the validity of the loan examination certification information, and if the loan examination certification information is valid, generates a response to that effect When,
The real estate property transaction support method according to claim 9, further comprising:   The loan conditions include a condition regarding a relationship between a loan applicant's desired loan amount and an evaluation value of a real estate property, a condition regarding a relationship between an annual repayment amount and a loan applicant's income, and a condition regarding a loan applicant's age. It is selected from the group which consists of the condition regarding the loan amount repayment period, the condition regarding the upper limit of the loan amount, and a combination thereof. Real estate property transaction support method.   A real estate property transaction support computer program for causing a computer to execute the real estate property transaction support method according to any one of claims 9 to 12.

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