JP2020038618A - Real estate product related finance system and management method thereof - Google Patents

Abstract

To provide a real estate product related finance system and its management method.SOLUTION: A finance system includes a finance organization server, a sale terminal, and a real estate service platform. The finance organization server records home loan information of a customer, and the home loan information includes home loan interest. The sale terminal receives a deal proceeded through a purchase certificate, and the purchase certificate is related to digital money. The real estate service platform calculates a difference between deals by the purchase certificate and the corresponding home loan interest of each customer within a liquidation period, and provides a first difference to the finance organization server to deduct the home loan interest within the liquidation period. Accordingly, a service for paying the home loan interest is changed, it is easier to manage for financial organizations, and the customer is notified automatically.SELECTED DRAWING: Figure 3

Description

  The present disclosure relates to economic management technology, and in particular, to a real estate-related economic system and a management method thereof.

  The salaries and deposits of the general public are usually insufficient to pay the full price of the property, such as a house or land. Therefore, those who are willing to buy them seek a financial institution for a loan. Conventional financial institutions offer discount systems such as low-interest mortgages (eg, discounts for first-time home buyers and minimum-interest mortgages that are currently 1.65%) and extended loan periods. Is provided. However, these discount systems only discount a small portion of the mortgage rate. Mortgage customers consider not only the ability to pay the loan, but also the financial issues in life while repaying the loan, such as a retirement deposit. Therefore, current mortgage discount systems are not very attractive to mortgage builders. Also, since the discounts on interest rates and loan interest rates are very small, mortgage customers do not have high customer loyalty to financial institutions.

  For mortgage repayments, the general public usually makes repayments by going to a teller window or remittance to a mortgage debit account. However, it can happen that you forget to pay. Nevertheless, in current systems, financial institutions notify mortgage customers only after a monthly clearing period. In such a system, the general public may remain forgotten to pay for the next period. The public's credit score has dropped, and financial institutions are unable to receive money on time.

  In addition, in the traditional process when a bank undertakes a new mortgage, the mortgage amount and mortgage interest rate are typically based on information related to the home purchased by the mortgage customer (eg, address, floor, structure, construction year). , Occupied area, etc.) and the age and credit rating information (eg, income, debt, or withholding tax) of the mortgage customer when the sales contract is terminated between the mortgage customer and the seller. Some mortgage reviews also include consideration of whether the property is insured (fire or earthquake insurance). The loan is made after passing the review.

  Currently, most banks have their own mortgage estimating systems, and property / casualty insurance companies also have their own insurance estimating systems, which are available to the public. However, in situations where loan customers are still choosing a home, they do not have complete information (eg, address, floor, structure, construction year, floor space used, etc.) for each home mortgage . In addition, there may be cases where it is not possible to obtain expenses such as a mortgage amount and a mortgage interest rate and insurance (fire insurance and earthquake insurance) for each selected real estate. Other times, when the purchase of a property is nearly complete, the mortgage being screened is often not as expected by the loan customer. There is a difference between the amount of the loan applied for and the amount of the loan actually screened, resulting in a shortage of down payment (and a need to pay insurance premiums). Even at such times, loan customers typically have to pay a considerable amount of the down payment to buy a house. If the loan customer fails to raise funds, the insufficient amount of the screened loan will disrupt the loan customer's economic plan. Even if we take advantage of the current operations of the bank that lends the above difference by credit loan, its (higher) interest rate and (shorter) repayment period will be an economic burden on the loan customer's original home purchase plan. Become. According to bankers' experience, when making a mortgage loan customer is anxious about buying a large amount of home due to lack of information about the housing market. They are worried that after paying the housing deposit, the amount of the mortgage loan will not be as desired and they will not be able to pay the down payment. However, conventional bank real estate assessment systems cannot provide relevant information immediately. The real estate industry needs an innovative economic management system.

  In view of the above, the present disclosure is a real estate related economic system and method for managing the same, wherein a digital platform is provided to change the conventional interest repayment system, to facilitate economic management and collection of loans, To provide a system for automatic notification.

  A real estate-related economic system according to an embodiment of the present disclosure includes an economic organization server, a sales terminal, and a real estate service platform. The economic organization server records customer mortgage information, where the mortgage information includes mortgage interest rates. The sales terminal receives the transaction made through the purchase certificate, and the purchase certificate is associated with the electronic money. The real estate service platform calculates the difference between the transaction on the purchase certificate and the corresponding mortgage interest rate of each customer during the clearing period, and calculates the difference by subtracting the mortgage interest rate during the clearing period. Provide to the organization server.

  The present disclosure provides a management method related to real estate. The management method includes the following steps. A transaction made through a purchase certificate is received on a sales terminal, and the purchase certificate is associated with electronic money. Calculate the difference between the transaction with the purchase certificate and the corresponding customer mortgage rate during the clearing period. The difference is provided to the economic organization server to deduct mortgage interest rates during the settlement period.

  Based on the above, the real estate-related economic system and the management method thereof according to the embodiment of the present disclosure automatically calculate the purchase amount of the customer on the sales terminal, and calculate the total purchase amount and the settlement period (for example, one month, Calculate the difference between the mortgage interest rate within three months, six months, etc., and notify the economic institution of the result of the deduction. This allows customers to easily manage and organize their purchases, and allows financial institutions to more easily manage and collect money. Further, the innovative discount system of the embodiments of the present disclosure provides a mortgage loan that can be deducted completely without interest (fully interest-free or deduction rate or maximum deduction amount determined from the customer's purchase record). Encourage mortgage customers to continue to use proof of purchase (e.g., credit cards, mobile payments, etc.) issued by economic institutions by realizing a mortgage interest deduction on purchase. Loyalty of mortgage customers who use only one purchase certificate will increase, consumption will be activated and money circulation will be promoted, and the market economy will be further developed.

  In order to make the above content more understandable, several embodiments are specifically described below with reference to the accompanying drawings.

  The accompanying drawings are provided for a further understanding of the present disclosure and are incorporated in and constitute a part of this specification. The drawings illustrate exemplary embodiments of the present disclosure, and together with the description, explain the principles of the present disclosure.

FIG. 1 is a schematic diagram of a real estate-related economic system according to an embodiment of the present disclosure.

FIG. 2 is a block diagram illustrating a real estate service platform according to the embodiment of the present disclosure.

FIG. 3 is a flowchart of a management method related to real estate according to the embodiment of the present disclosure.

  FIG. 1 is a schematic diagram of a real estate-related economic system according to an embodiment of the present disclosure. The economic system 1 includes a seller customer terminal 10, a buyer customer terminal 20, an economic organization server 30 that provides a loan, an economic organization server 40 that provides a purchase certificate 25, and one or more sales terminals 50. , The real estate service platform 100, but is not limited thereto.

  The customer terminals 10 and 20 may be electronic devices such as smartphones, tablets, notebook computers, and desktop computers. The customer terminals 10 and 20 include a network controller (e.g., supporting 4G mobile communication, Wi-Fi, or Ethernet), a display device (e.g., LCD or LED), and a display device (e.g., CPU, microcontroller, etc.). And / or a processor (such as an application specific integrated circuit (ASIC)) connected to the Internet, displaying a user interface, notifying and executing computing functions. In the present embodiment, the seller and the purchaser are respectively a seller and a purchaser of the real estate (for example, a house, an office, and a land).

  Economic organization server 30 and economic organization server 40 may be various types of servers, workstations, background hosts, and other electronic devices. The economic organization server 30 and the economic organization server 40 include a network controller (for example, supporting 4G mobile communication, Wi-Fi, or Ethernet (registered trademark)), a storage device (for example, an HDD and an SSD), and a storage device (for example, an HDD and an SSD). And at least a processor (such as a CPU, a microprocessor, or an ASIC) and connected to the Internet (eg, mortgage rates, contract terms, principal, total loan amortization, mortgage debit accounts, trust accounts, etc.). Record mortgage information or transaction information (e.g., proof of purchase 25, purchase amount, etc.) of the customer (e.g., mortgage) and perform computational functions. In this embodiment, the economic organization server 30 is a server set up by a financial institution that provides a loan and provides a loan to a customer, and the economic organization server 40 provides a purchase certificate 25 and a purchase certificate. 25 is a server set up by a financial institution that issues or manages 25. Further, the purchase certificate 25 is a digital wallet (eg, reimbursement, online banking, etc.) provided by (eg, a bank or insurance company). The purchase certificate 25 may be a payment product such as a credit card, a debit card, a store-value card-card, and a physical card or a virtual card (for example, a mobile payment).

  The sales terminal 50 may be an actual terminal (eg, a card reader, a credit card machine, or a scanner (for one-dimensional or two-dimensional barcodes)) at a physical store, an online store (eg, a credit card network, a digital wallet, a reimbursement). It can be a checkout platform (such as a payment platform) and connects with an economic organization server 40 that provides the purchase certificate 25 to provide transaction information (eg, purchase certificate 25 used, purchase amount, etc.). Is done.

  The real estate service platform 100 may be an electronic device such as a computer host, a server, a background host, and the like. FIG. 2 is a block diagram illustrating the real estate service platform 100 according to the embodiment of the present disclosure. Referring to FIG. 2, the real estate service platform 100 includes, but is not limited to, at least a storage device 110, a network controller 130, and a processor 150.

  The recording device 110 may be any type of fixed or removable recording device such as a random access memory (RAM), a read only memory (ROM), a flash memory, a hard disk drive (HDD), a solid state drive (SSD), or a combination thereof. May be. In the present embodiment, the recording device 110 stores buffered or fixed data (for example, a condition comparison module 111, a subtraction calculation module 112, a discount comparison module 113, a difference notification module 114, an amount statistics module 115, and an interbank clearing module. Software modules (such as 116), applications, mortgage information, transaction information, open merchandise information, merchandise demand, as well as other information or files, the details of which are described in the examples below.

  The network controller 130 may be a communication transceiver that supports 4G mobile communication, Wi-Fi, Ethernet (registered trademark), an optical network, etc., and is connected to the Internet.

  The processor 150 is connected to the storage device 110 and the network controller 130, and includes a central processing unit (CPU), another general-purpose or special-purpose programmable processor, a digital signal processor (DSP), an ASIC, other similar elements, or a combination thereof. It may be. In an embodiment of the present disclosure, the processor 150 is configured to perform all the operations of the real estate service platform 100, and reads and executes each of the software modules, files, and data stored in the storage device 110. Good.

  In order to facilitate understanding of the operation process of the embodiment of the present disclosure, the process flow of the economic system 1 for real estate products in the embodiment of the present disclosure will be described below according to various embodiments. . Hereinafter, the method described in the embodiment of the present disclosure will be described with each device of the economic system 1 and various elements and modules of the real estate service platform 100. The steps of the management method may be adjusted according to the implementation situation and are not limited.

  FIG. 3 is a flowchart of a management method related to real estate according to the embodiment of the present disclosure. Referring to FIG. 3, the real estate service platform 100 sets up a real estate transaction website for a seller to publish real estate products, a buyer to search for real estate products, and an agency or agent to make a transaction with a real estate company. increase. The user creates a member profile on the real estate transaction website through the customer terminal 10 or 20 (step S301), and the real estate service platform 100 provides the member profile to the customer. The member profile may include identification, contact information, financial information, and guarantor information. When the buyer has a desire to buy a house, rent a house, buy land, or the like, he accesses the real estate transaction website using the customer terminal 20 and sets search conditions (eg, area, setting, type, etc.). It can be input (step S302). In this way, real estate products that satisfy the search conditions can be obtained. On the other hand, if the seller owns a real estate that he wants to sell or rent, such as an apartment, a building, a parking lot, or land, the seller accesses the real estate transaction website using the customer terminal 10 (for example, the area, The relevant public product information (eg, house age, settings, etc.) can be entered (or provided) (step S303), and thus the real estate product is published on the real estate trading website.

  In an embodiment of the present disclosure, exclusive product demand (eg, region, type, total value, area, and associated real estate product conditions) on the real estate transaction website of the real estate service platform 100 is determined by the buyer customer terminal 20. Is set. In addition, the condition comparison module 111 of the real estate service platform 100 may allow all of the current records or the latest published product information to be based on a specified time (eg, daily, weekly, monthly, etc.) or based on the latest published product information. It is determined whether the product demand of the buyer customer terminal 20 is satisfied according to a specific number of the product information (for example, 1, 10, 20 records, etc.) (step S304). If there is public product information that satisfies the product demand, the condition comparison module 111 provides the public product information to the purchaser customer terminal 20 via the network controller 130 immediately. For example, the real estate service platform 100 notifies the buyer customer terminal 20 by a text message, a push notification, an e-mail, or the like. This allows the buyer to spend less time searching for the product and not worry about more qualifying real estate products being taken by others before them.

  On the other hand, the amount statistics module 115 of the real estate service platform 100 uses the member profile on the sales terminal 50 or the purchase amount and payment record of the transaction performed on the e-commerce platform as the purchase record of the member corresponding to the member profile. Is recorded. For example, a member profile is recorded on a member carrier (eg, a membership card, smart card, mobile payment carrier, etc.) or an electronic account (tied to an e-commerce platform). When a member carrier transacts with a sales terminal or an electronic account transacts on a particular e-commerce platform, the corresponding purchase amount and payment record is recorded in the member's purchase record by the value statistics module 115. That is, as long as the customer has a member profile on the real estate service platform 100, subsequent transactions are recorded in the member's purchase record. Also, the member's purchase record may be used as a basis for a subsequent cap on the mortgage interest rate. The details of step S306 and how to determine the balance will be described below.

  For example, a company that has launched the real estate service platform 100 may provide a physical or virtual membership card to registered members and use a membership card on a common or designated channel for a certain percentage of the purchase price. Tell them you can get a redemption (eg cashback or points). The customer makes a purchase using a purchase card 25 or a membership card on an e-commerce platform. The amount statistics module 115 simultaneously records the purchase record of the member.

  When a buyer logs into the real estate service platform 100 to purchase a real estate product, personal income (applied as a member profile above), credit, and other relevant credit ratings other than setting the desired real estate terms, etc. Property information is provided in advance. On the other hand, if the seller sells the real estate on the real estate service platform 100, the member profile includes the published real estate product (eg, address, floor, building structure, house age, used area, etc.). ) To the complete information.

  The condition comparison module 111 of the real estate service platform 100 searches for a real estate product of the seller that satisfies the buyer's demand, and immediately provides the public customer information that meets the condition to the buyer customer terminal 20. The purchaser need only select the real estate product to be purchased on the user interface of the customer terminal 20. The condition comparison module 111 matches property information such as a credit rating registered by the purchaser with information related to the selected real estate product, and provides a mortgage pre-calculation system of the economic organization server 30 that provides a mortgage. And send. After the economic organization server 30 examines the loan by the pre-calculation, the loan examination report is sent to the real estate service platform 100. In addition, the condition comparison module 111 may provide complete information (e.g., address, floor, building structure, house age, used area, screening amount, etc.) to complete information (e.g., income, debt, or credit such as withholding slips). It is sent to the property insurance pre-calculation system along with the property information related to the buyer (the rating information). After the property insurance pre-calculation, the property insurance pre-calculation result is sent to the real estate service platform 100. That is, the real estate service platform 100 acquires the loan examination report and the property insurance pre-calculation result based on the public product information and the purchaser's property information. In addition, these results may be further sent to the buyer customer terminal 20 for viewing.

  This allows the buyer to loan the selected amount of real estate released by the seller before starting to view the real estate, the mortgage interest rate, the loan term, and property insurance (such as fire and earthquake). You can get the amount. At this time, the buyer can specifically select the real estate acceptable with their funds. Buyers do not have to spend time on real estate products that exceed their funding capacity with insufficient credit amounts (insufficient down payment).

  Then, after a contract is concluded between the buyer and the seller, the buyer starts looking for an economic institution to make a loan. The real estate trading website provides loan information for the relevant economic institution or for the relevant economic institution for the buyer to select a loan program. For example, the purchaser applies for a mortgage for 70% of the actual price of the purchase or sale regulation and a purchase certificate 25 issued by an economic institution. Loan demand (eg, total loan amount, desired interest rate, term, etc.) is set on the real estate trading website. The real estate service platform 100 sends the loan demand through the network controller 130 to the economic organization server 30 that provides the loan. After the buyer and the financial institution have confirmed their identities and signed a contract, the economic organization server 30 provides the mortgage information and information related to the purchase certificate 25 to the real estate service platform 100. The purchase certificate 25 provided by the economic organization server 30 that can be used by the customer (mortgage customer) during the contract period (or the mortgage settlement period) and the customer's mortgage information are set by the real estate service platform 100.

  When a customer makes a purchase at a store, payment may be made at the store's sales terminal 50 through the acquired purchase certificate 25. Further, when the sales terminal 50 receives a transaction through the purchase certificate 25, the sales terminal 50 (or the economic organization server 40) transmits transaction information such as the purchase amount corresponding to the transaction and the purchase certificate 25 used for the transaction. It is provided to the real estate service platform 100 (step S310). The real estate service platform 100 transmits the transaction information (for example, purchase information (including purchase items and purchase amount), transaction, etc.) traded by the purchase certificate 25 via the network controller 130 to the sales terminal 50 (or the economic organization server). 40) (step S320).

  After the transaction information provided by the sales terminal 50 (or the economic organization server 40) is received, the deduction calculation module 112 of the real estate service platform 100 sends the purchase certificate 25 to the mortgage between the mortgage customer and the economic institution. Determine if it is related to a contract and thereby determine if the transaction was made within the contract period (mortgage settlement period). The deduction calculation module 112 retrieves the corresponding customer's mortgage interest rate through the purchase certificate 25 and based on the purchase amount of the current contract, the remaining balance in the clearing period (e.g., month, quarter, half year, etc.). The possible interest rate is calculated and the remaining deductible interest rate is immediately provided to the corresponding customer terminal 20 by means of a text message, push notification, e-mail or the like through the network controller 130. The remaining deductible interest rate may be the difference between the mortgage interest rate during the settlement period and the purchase amount previously traded through the purchase certificate 25.

  For example, if the real estate service platform 100 has already recorded the customer's mortgage interest rate at $ 5,000 and the monthly purchase certificate 25 purchase is $ 1500, the customer purchases a $ 300 item through the purchase certificate 25. After that, the balance calculation module 112 calculates that the remaining deductible interest rate is 5000-1500-300 = 3200 (dollar). The customer's purchaser customer terminal 20 notifies that the remaining deductible interest rate is 3200 ($). This allows the customer to obtain the remaining deductible interest immediately after purchase.

  Note that a bank's method of billing a loan customer to repay a mortgage on a monthly basis may be adjusted to change interest rates at different stages. For example, the initial repayment of the principal may be relatively low and the interest rate relatively high, after which the late repayment of the principal may be higher and the interest rate lower. However, the deduction calculation module 112 may notify each buyer customer terminal 20 of the difference in the mortgage interest rate during the clearing period, or may use the network controller 130 to determine the current remaining deductible interest rate. 20 directly.

  Further, stores often make contracts with financial institutions or mobile payment providers. Thus, if a mortgage customer makes a purchase at a store using a purchase certificate 25 issued and managed by an economic institution, the store may (additional inflow of loan customers using the purchase certificate 25 for purchase). Pays) to the financial institutions or mobile payment providers. For example, if a loan customer uses a purchase certificate 25 to purchase an item with an original value of $ 100, the store offers a 10% discount to an economic institution (or mobile payment provider). That is, the financial institution (or mobile payment provider) wants only $ 90 for the store.

  In one embodiment, when the real estate service platform 100 receives the transaction information through the purchase certificate 25, the discount comparison module 113 determines whether the purchase target has been sold at the original price. If sold at the original price, the discount comparison module 113 provides, through the network controller 130, the discount value paid and signed by the store. The discount value may be the same or different from the discount value of the financial institution (or mobile payment provider) that issues / manages the common payment product.

  In another embodiment, the discount comparison module 113 of the real estate service platform 100 further obtains discount information or collects market information for the store corresponding to the sales terminal 50 (eg, promotion, special offer, discount, etc.). Market to prevent the business from actively notifying economic institutions (or mobile payment providers) that stores are offering discounts to mortgage customers and consumers for their own benefit. investigate. If there is a difference between the purchase amount and the discount information for a particular transaction, the discount comparison module 113 determines that the store is offering a discount to mortgage customers and consumers for its own benefit. The difference is provided to the economic organization server 30 through the network controller 130 in order to prevent notifying the mobile payment provider positively.

  If one of the clearing periods has expired, the balance calculation module 112 calculates the difference between the transaction made by each buyer through the use of the purchase certificate 25 and the corresponding mortgage rate during the clearing period. (Step S330). For example, if a customer spends $ 3,600 a month through purchase certificate 25 and the monthly mortgage rate is $ 3,900, the difference is $ 300.

  Next, the difference notification module 114 provides a difference to the economic organization server 30 that provides the loan through the network controller 130 so that the mortgage interest rate is deducted within the settlement period. In particular, if the total purchase amount of all transactions is equal to or greater than the mortgage interest rate during the settlement period, the difference notification module 114 requests the economic organization server 30 to deduct all mortgage interest rates for the month. On the other hand, if the total purchase amount of all transactions is less than the mortgage interest rate during the settlement period, the difference notification module 114 subtracts the mortgage interest rate for the month from the economic organization server 30 by the total purchase amount. Request. The insufficient mortgage interest rate (ie, the value of the mortgage interest rate subtracted from the total purchase amount) is provided by the real estate service platform 100 to the buyer customer terminal 20 through the network controller 130 (ie, the customer certificate 25). Is provided to the buyer customer terminal 20), and the value is told to be paid by the customer himself.

  In the above-described embodiment, 100% interest-free is achieved by subtracting all purchases during the settlement period from the mortgage loan interest rate. However, in some embodiments, the deduction limit may be set based on the customer's recorded purchase limit, and may be 20, 50, or 80 (e.g., based on a deduction of the actual mortgage rate percentage). % Free. In particular, in step S306, a purchase record for each member corresponding to the member profile is obtained, and the deduction calculation module 112 determines a total transaction amount corresponding to the member purchase record within a particular clearing period. The deduction calculation module 112 determines an upper limit of the deduction of the mortgage interest rate during a specific settlement period according to the member's purchase record and the mortgage interest rate corresponding to the customer or the customer's member data. If the total transaction value is highest and the purchase record of the lowest or average member is greater than or equal to the mortgage interest rate, the deduction limit within a particular settlement period is equal to the mortgage interest rate. If the total transaction value is highest and the purchase record of the lowest or average member is below the mortgage interest rate, the maximum deduction amount during a particular clearing period is the maximum, minimum, or average total transaction value. That is, the maximum deduction amount is not larger than the amount corresponding to the purchase record of the member during the settlement period.

  For example, a member's purchase record averages $ 3200 / month. Assuming that the future mortgage rate is $ 2500 per month, $ 2500 is subtracted from the monthly mortgage rate (based on the member's purchase record). Assuming the future mortgage rate is $ 3,800 per month, only $ 3,200 (based on member purchase records) can be deducted from the monthly mortgage rate. The mortgage rate and an additional $ 600 are repaid from the mortgage customer. Thus, the more members make purchases during the real estate purchase process, the more deductible from future mortgage rates. Depending on the member's purchase record, different degrees of mortgage interest rates are determined.

  It should be noted that the above description is based on a real estate website, and other platforms such as an e-commerce platform, a bank or a loan platform may provide members with the same or similar deduction limit.

  On the other hand, the money amount statistics module 115 of the real estate service platform 100 receives and calculates the compensation amount of the mortgage interest from the partner (Step S340). In the present embodiment, the business partners are for mutual benefit. A certain range of interest compensation is provided by business alliances and deposited with economic institutions (credit accounts of certain customers). During the mortgage customer's mortgage repayment period, the real estate service platform 100 receives, through the network controller 130, the interest rate compensation amount in the credit account through the economic organization server 30 and transfers it to the mortgage customer's mortgage debit account. Issue instructions. In this way, the mortgage interest rate to be repaid by the loan customer in that month is deducted (step S350).

  Because the mortgage rate-free system described above effectively attracts mortgage customers and increases the issuance and use of proof of purchase, the real estate service platform 100 is a platform that encourages other companies to partner. Is provided.

  For example, mortgage rate subsidies provided by digital services platforms expand the real estate market. Income from the real estate service platform 100 may be used for interest rate compensation. Real estate transaction value is estimated to be $ 10,000,000. Under current regulations, the general agency service fee must not exceed 2% of the buyer's payment and 4% of the seller's payment. Real estate companies can receive a total of $ 600,000 in service charges from buyers and sellers for a total of 6% (2% from buyers and 4% from sellers). However, there are no fees for transactions made through real estate websites. Therefore, the real estate service platform 100 can receive 1.5% each from the buyer and the seller, that is, 3% of the total of the product publication fee, the system management fee, and the maintenance fee from the buyer and the seller. These fees are used as interest compensation.

  In addition, for transactions made through the purchase certificate 25, the economic organization server 30 typically provides feedback services such as cash refunds, points, discounts, etc., in co-sponsorship with other industries, and the refunded cash is also available. , May be used as an interest rate compensation amount. The economic institution may also issue a purchase certificate 25, a loan, and associated (eg, different types of deposits (deposit currencies, savings deposits, time deposits, etc.), deposits, loans, transaction fees, annual fees, etc.). Profit through core business, which may also be used as interest compensation. The amount statistics module 115 extracts deposits with different interest rates to the lowest loan rate.

  In one embodiment, a 20 year straight-line amortized mortgage (2% annual interest rate) is taken as an example. Here, the target transaction amount of the house is $ 10,000,000, and the loan amount is 70%, that is, the total loan amount is 10,000,000 × 70% = $ 700,000. For a 20 year straight-line amortization mortgage, the total amount is $ 700,000 x (2% annual interest rate) = $ 849,900. The total mortgage interest rate for the 20 years is 849,900-700,000 = $ 149,900. In another embodiment, out of a total of $ 700,000, $ 370,000 is the loan interest rate and $ 330,000 is the loan zero interest rate. The total interest rate acceptable is $ 792,000. That is, the funds for the zero interest rate loan are provided from the zero interest rate account. According to the above-described management method of the present disclosure, a $ 300,000 (commodity release and system management and maintenance) fee is received for a home with a transaction value of $ 10,000,000. However, for a total interest of $ 149,900 over a 20 year period, $ 149,900 of cash refunded is calculated after purchase conversion. In addition, the associated business income (such as credit card transaction fees, annual fees, etc.) of economic institutions is $ 350,000. The sum of these three exceeds $ 792,000, so 100% interest-free. On the other hand, before the economic organization server 30 approves the mortgage, a total of 3% of product release and system management and maintenance fees from the buyer and seller are paid in advance. That is, $ 300,000 is deposited by the economic institution in a special credit account. (The $ 300,000 interest rate compensation is used to subsidize the actual receivable interest rate insufficient mortgage interest rate.) To subsidize the mortgage interest rate, we subtract $ 300,000 per month from economic organization server 30 during the 20 year mortgage payment period. If that amount is still inadequate, the relevant business income of the economic institution (such as credit card transaction fees, annual fees, etc.) must be , Will be further deposited into your credit account.

  On the other hand, if the mortgage is applied to another economic institution because the loan amount is too high and the number of people is too large, the interbank clearing module 116 may provide a loan at the corresponding economic organization server 30 for a different user. Search for mortgage information in combination with the system. In addition, the total purchase value of the transactions made through purchase certificate 25 is deducted monthly or according to the mortgage interest rate to be paid within another clearing period.

  In summary, during the economic downturn, the innovative discount system of the embodiments of the present disclosure provides a completely interest-free and deductible mortgage (zero interest rate), effectively increasing the demand for real estate purchases, Increase consumption and revitalize markets. In the real estate-related economic system and the management method thereof according to the embodiment of the present disclosure, the purchaser actively provides the information on the matching of the product demand, provides the loan and insurance information, and avoids the extra search time for the transaction. Accelerate. After the economic institution approves the loan and provides a proof of purchase, if the buyer makes a purchase through the proof of purchase, the real estate services platform will deduct the remaining deductions within the settlement period after the purchase has been deducted. Offer possible interest rates to customers. This allows the customer to immediately obtain the remaining deductible interest rate. Further, after the clearing period, the real estate service platform notifies the economic institution of the difference between the total purchase amount and the mortgage interest rate, and the economic organization server obtains the corresponding mortgage interest rate from the special credit account. On the other hand, the mortgage rate deduction cap is fixed or dynamically adjusted based on the member's purchase record to provide different levels of mortgage rates.

  Although the above embodiments are described in the present disclosure, the embodiments are not limited to the present disclosure. Those skilled in the art can make any adjustments and changes without departing from the scope and spirit of the present disclosure. Therefore, the scope of the disclosure should be defined by the appended claims.

The real estate-related economic system and the management method thereof according to the present disclosure may be applied to an economic management computer.

Claims (10)

An economic organization server that records loan information of at least one customer, wherein the loan information includes a mortgage interest rate;
At least one vending terminal for receiving a transaction performed through a purchase certificate, wherein the voucher certificate is associated with electronic money;
Calculate a first difference between the transaction with the purchase certificate and the mortgage rate of the customer within the corresponding clearing period, and subtract the first difference to subtract the mortgage rate during the clearing period. A real estate service platform to provide to the economic organization server,
Real estate-related economic system equipped with. Further comprising at least one customer terminal,
When the at least one customer terminal receives the transaction performed through the purchase certificate, providing a purchase amount corresponding to the transaction and the purchase certificate used in the transaction;
The real estate service platform retrieves the mortgage interest rate of the customer corresponding to the purchase certificate, calculates a remaining deductible interest rate within the clearing period based on the purchase amount, and calculates the remaining interest rate. Immediately provide a deductible interest rate to the corresponding customer terminal of the corresponding customer, the remaining deductible interest rate is the mortgage interest rate during the settlement period and the purchase previously transacted through the purchase certificate. Difference from the amount,
If the transaction made through the purchase certificate of each of the customers during the settlement period is insufficient for the mortgage interest rate, the real estate service platform adds the first difference to the customer terminal of the corresponding customer. Offer to,
The real estate service platform obtains at least one piece of discount information, and if there is a second difference between the purchase amount corresponding to the transaction and the discount information, the real estate service platform may obtain the second discount information. Providing the difference to the economic organization server;
The real estate-related economic system according to claim 1. Further comprising at least one customer terminal,
The real estate service platform provides at least one member profile of the sales terminal, records a purchase amount and a payment record of the member profile as a purchase record of the member, and the member profile is recorded in a member carrier or an electronic account. Wherein the transaction of the member carrier on the at least one sales terminal is recorded in a purchase record of the member, the transaction of the electronic account of an e-commerce platform is recorded in a purchase record of the member,
The real estate service platform calculates a purchase record for each member of the member profile during the clearing period and, in response to receiving the mortgage information provided by the economic organization server, responds to the corresponding member. Determining the maximum amount of the mortgage interest rate during the clearing period based on the purchase record of the customer and the mortgage interest rate of the customer, the maximum amount corresponding to the purchase record of the member during the clearing period. Not larger than the forehead,
The real estate-related economic system according to claim 1. Further comprising at least one customer terminal,
The customer terminal of the buyer sets a product demand on the real estate service platform,
The customer terminal of the seller discloses product information on the real estate service platform,
When the product information satisfies the product demand, the real estate service platform immediately provides the satisfied product information to the customer terminal of the corresponding buyer.
The real estate-related economic system according to claim 1. The real estate service platform acquires property information corresponding to the customer terminal of the purchaser, wherein the property information is related to income, debt, credit rating,
The real estate service platform, based on the product information and the property information, to obtain a loan examination report and property insurance pre-calculation results,
The real estate-related economic system according to claim 4. Receiving a transaction performed through a purchase certificate on a sales terminal, wherein the purchase certificate is associated with electronic money;
Calculating a first difference between the transaction with the purchase certificate and a mortgage interest rate of at least one customer during a clearing period;
Providing the first difference to an economic organization server to deduct the mortgage interest rate during the settlement period;
Real estate-related management method provided with. Before receiving on the sales terminal the transaction performed through the purchase certificate,
Retrieving the mortgage interest rate of the customer corresponding to the purchase certificate;
Calculating a remaining deductible interest rate during the settlement period based on the purchase amount, wherein the remaining deductible interest rate is the mortgage interest rate within the settlement period and the purchase Calculating related to the purchase amount previously traded through the certificate;
Immediately providing the remaining deductible interest rate to the corresponding customer's customer terminal;
Providing a first difference to a corresponding customer terminal of the customer if a transaction performed through the purchase certificate of each customer within the settlement period is insufficient for the mortgage interest rate;
Acquire discount information from the corresponding store,
When there is a second difference between the purchase amount corresponding to the transaction and the discount information, providing the second difference to the economic organization server;
The real estate-related management method according to claim 6, further comprising: Before receiving the transaction performed through the purchase certificate on the sales terminal,
Providing a member profile of the customer, and recording a purchase amount and a payment record of the member profile as a purchase record of the member, wherein the member profile is recorded on a member carrier or an electronic account, and is stored on the sales terminal. Recording the transaction of the member carrier of the member in a purchase record of the member; and recording the transaction of the electronic account of the e-commerce platform in a record of the purchase of the member;
Calculating a purchase record for each member of the member profile during the settlement period;
In response to receiving the mortgage information provided by the economic organization server, deducting the mortgage interest rate during the settlement period based on the corresponding purchase record of the member and the mortgage interest rate of the customer. Determining an upper limit, wherein the deduction upper limit is not greater than an amount corresponding to the purchase record of the member during the clearing period; and
The real estate-related management method according to claim 6, further comprising: Before receiving the transaction performed through the purchase certificate on the sales terminal,
Receiving the product demand set on the buyer's customer terminal,
Receiving product information published on the merchant's customer terminal,
When the product information satisfies the product demand, the satisfied product information is immediately provided to the corresponding customer terminal of the purchaser;
The real estate-related management method according to any one of claims 6 to 8, further comprising: Before receiving the transaction performed through the purchase certificate on the sales terminal,
Acquiring property information corresponding to the customer terminal of the purchaser, wherein the property information is related to income, debt, credit rating, acquiring,
Acquiring a loan examination report and a property insurance pre-calculation result based on the product information and the property information;
The real estate-related management method according to claim 9, further comprising:

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