JP2023045707A - Sublease system, sublet debt management method, sublet debt management program, and storage media - Google Patents

Abstract

To make it possible to perform money management with a margin for a management company and secure a stable deposit system for a property owner.SOLUTION: A sublease system includes: a property owner; a management company; a resident, and an insurance company. The resident pays a prescribed rental loan every month to the management company, and pays a predetermined delinquent money to the insurance company that has reimbursed a money refund to the management company when delinquency of prescribed rental debt occurs. A card company is provided that signs a membership contract with the management company and signs a member store contract with the property owner. The card company pays a sublet debt in accordance with content of a transfer loan contract with the management company to the property owner in a sublease property and collect money in accordance with content of the membership contract to the management company.SELECTED DRAWING: Figure 1

Description

The present invention relates to a sublease system, a sublease debt management method, a sublease debt management program, and a recording medium.

BACKGROUND ART Conventionally, in rented properties such as apartments and condominiums, a real estate company (a real estate agent) acts as an intermediary between the owner of the property and a prospective tenant, and a guarantor is appointed at the time of the lease contract.

Here, the guarantor has generally been a relative or the like of the person who wishes to move in, but with the declining birthrate and aging population, there is a problem that there is no relative or the like who can act as a guarantor. In addition, there is an increasing number of property owners who are unable to sufficiently manage their rental properties by themselves due to the aging of the population.

Therefore, the environment for new rental agreements is increasing, such as the property owner entrusting the management of the rental property to a management company in a lump, and the tenant applicant entrusting the guarantor's agency to a guarantee company. It's getting

On the other hand, even if it is the same real estate property, in the case of properties that are not rentals, i.e. condominiums and other collective housing, the guarantee company has a contract between the purchaser and the financial institution (hereinafter collectively referred to as the "bank"). Since it has been established and the amount of borrowings is high, a stable financial system has been constructed, including repayment, etc. even in the case of delinquency (see, for example, Patent Document 1).

Japanese Patent No. 6022720

By the way, in the case of the above-mentioned rental property, the property owner must collect from the tenants of each room the amount of rent that is approximately the same amount as the monthly repayment amount that the purchaser pays to the bank in the case of a condominium.

For this reason, payment confirmation had to be performed across multiple banks and days of the week, and there was a problem that the management of rents, etc. was complicated, including the case of overdue processing.

Therefore, if a single management company can perform subleasing including rent management in addition to material management such as cleaning, maintenance, and security of the building, the burden on the property owner will be greatly reduced.

However, in the case of a management company, the monthly sublease debt payment to the property owner and the monthly rent hearing to the tenants and guarantor company must be settled in a short period of time, so money management work It was difficult to say that the complexity of

For this reason, it is desired that the management company can carry out money management operations with a margin and that a stable deposit system can be ensured for the property owner.

Therefore, the present invention provides a subleasing system, a subleasing debt management method, and a subleasing debt management method, which enable the management company to carry out money management operations with a margin and secure a stable deposit system for the property owner. The purpose is to provide a management program and a recording medium.

In order to solve the above problems, the sublease system of the present invention relates to management including sublease debt as a sublease property between a property owner who owns a leased real estate property and the property owner. A management company that has signed a sublease contract, a resident who has entered into a lease contract with the said management company for the said sublease property as a leased property, and a guarantor company that has signed a guarantor contract with the said resident. and, the resident pays the prescribed rental debt to the management company every month, and subrogates the payment to the management company in the event of non-payment of the prescribed rental debt. a sublease system that pays a predetermined arrears to the guarantee company, comprising a card company that concludes a membership contract with the management company and a member store contract with the property owner, The card company pays the property owner a sublease debt in accordance with the content of the sublease contract with the management company for the sublease property, and pays the property owner a sublease debt in accordance with the content of the membership contract with the management company. It is a thing to collect collection money.

In the sublease system of the present invention, the management company intervenes between the property owner who owns the leased real estate property and the tenants who live in the real estate property in order to perform property management and rent collection. are doing.

Here, the real estate property for the property owner is treated as a sublease property with the management company. In addition, the subleasing property for the management company is treated as a rental property between the tenants.

Therefore, the rent for a leased property can be set to include the management fee determined by the management company.

On the other hand, residents can compensate for non-payment of rent to the management company by setting up a guarantor company as a guarantor, which is required when making a contract with the management company.

The card company concludes a membership contract with the management company and a member store contract with the property owner, so that the amount under the sublease contract between the management company and the property owner is paid on a fixed date. In addition, for the settlement here, as in the well-known operation of credit cards, for example, the property owner is a store selling goods, and the management company is a purchaser who purchases goods using a credit card. and payment date. In addition, unlike ordinary purchases of goods, rental properties are often premised on the payment of the next month's rent by the predetermined date of the previous month. In many cases, the monthly rent is also fixed, so a payment method based on a schedule that takes this into consideration may be adopted.

Therefore, the property owner who owns the real estate property for lease does not need complicated leasing work such as property management, vacancy handling, rent collection, etc. by concluding a sublease contract for the real estate property with the management company It is possible to stably obtain monthly income based on the sublease contract on a fixed date.

By concluding a subleasing contract that includes property management with the property owner, the management company can collect income from tenants when moving in and out, monthly management fees, etc., as collected money. In addition, the rent is guaranteed by the guarantor company even if the tenant fails to pay the rent.

The guarantor company can receive income from tenants such as contract money and monthly security deposits.

The card company can receive income such as an annual membership fee from the management company, as well as a fee from the property owner who has signed a contract with the member store, for example, in the same way as a normal credit card is used. In addition, even if a resident is delinquent in payment, the credit card company will collect the full amount from the management company because the transfer of money occurs only between the management company and the property owner. Guaranteed.

In the sublease system of the present invention, the card company pays at least the sublease debt for the next month to the property owner.

As described above, it is still common today for tenants to pay the next month's rent in the previous month in rental properties.

For this reason, even when the credit card company pays the property owner, for example, in addition to the current and next month's expenses at the time of the tenancy contract, the management company will pay for three months' expenses for the month after next, which can be replaced as repair expenses when delinquent or moving out. is collected, the management company and the card company can settle the rent for the next month by the last day of the previous month without having to bear any debt under normal times when there is no delinquency.

In the sublease system of the present invention, the card company pays at least the next month's sublease debt to the property owner as advance payment prior to receiving the collected money from the management company.

In addition, the property owner may also borrow money from a bank, etc. when purchasing a property or rebuilding a property. payment can be made without

In the sub-lease system of the present invention, the card company concludes a joint guarantee contract with the management company or the guarantee company according to the creditworthiness of the resident to secure the subrogation repayment.

The credit card company can set the creditworthiness of the resident separately from the management company and the guarantee company, taking into consideration whether or not there has been any delinquency when using the card of its own company or another company in the past. As a result, it becomes possible to protect a guarantee system in which a joint guarantee contract is concluded with a management company or a guarantee company to secure the subrogated repayment by the guarantee company.

In addition, the sublease debt management method of the present invention has a computer managed by a management company that has signed a sublease contract with a property owner who owns a leased real estate property, A lease information storage unit that stores lease information including account information related to a financial institution account to which the resident pays the monthly lease, and finance that the guarantor company pays repayment if the resident is late in paying the monthly lease. A payment information storage unit storing payment information including account information related to an institutional account, and the lease information stored in the lease information storage unit and the payment information stored in the payment information storage unit are associated with each other, and from at least one of them a collection information processing unit that determines whether or not there has been a deposit, and associates collection information including the determination result with the resident and the sublease property in which the resident resides and displays a list on the display unit; A computer managed by a card company that has entered into a contract with the management company and the property owner regarding the subleasing property stores collection information including account information related to a financial institution account for monthly collection money collected from the management company. a payment information storage unit storing out-of-pocket payment information including account information about a financial institution account to be paid to the property owner; and collection information stored in the collection information storage unit and the out-of-pocket payment information storage It is determined whether or not the out-of-pocket money has been paid by a predetermined date by associating with the out-of-pocket money information stored in the unit, and it is determined whether or not the collected money has been collected before the predetermined date. a deposit/withdrawal information processing unit that associates determination results with the management company and the property owner and displays a list on a display unit, wherein the deposit/withdrawal information processing unit is configured to transfer at least the next month's out-of-pocket payment to the property. setting the predetermined due date for payment to the owner.

A management company that has entered into a sublease agreement with a property owner who owns a leased real estate property, with the said real estate property as a sublease property, shall have a computer with a lease information storage section, a payment information storage section, and a recovery information processing section. to manage.

The lease information storage unit stores (updates) lease information including account information related to a financial institution account in which a resident pays monthly rent.

The repayment information storage unit stores (updates) repayment information including account information on a financial institution account to which the guarantor company pays the repayment if the resident is behind in monthly rent payments.

The collection information processing unit associates the lease information stored in the lease information storage unit with the payment information stored in the payment information storage unit, determines whether payment has been received from at least one of them, and determines the result of the determination. is associated with the resident and the subleasing property in which the resident resides, and the list is displayed on the display unit.

On the other hand, the card company that has concluded a contract with the management company and the property owner regarding the subleasing property manages a computer having a collection information storage unit, an out-of-pocket payment information storage unit, and a deposit/withdrawal information processing unit.

The collection information storage unit stores (updates) collection information including account information related to financial institution accounts for monthly collection money collected by the management company.

The out-of-pocket payment information storage unit stores (updates) out-of-pocket payment information including account information related to financial institution accounts to be paid to property owners.

The deposit/withdrawal information processing unit associates the collection information stored in the collection information storage unit with the out-of-pocket payment information stored in the out-of-pocket payment information storage unit, and determines whether or not the out-of-pocket payment has been paid by a predetermined date. , By judging whether or not the collected money has been collected before a predetermined date, the judgment result is displayed in a list on the display unit in association with the management company and the property owner so that the administrator can grasp the status of deposits and withdrawals. Let

Here, the display unit of the computer managed by the management company may display only the fact that payment has been received from either the resident or the guarantor company. You may display the monthly payment status for the minute or the past several months as a table.

Similarly, the display of the computer managed by the credit card company may display only the fact that the money was received from the management company and that the money was withdrawn to the property owner. etc., and the monthly deposit/withdrawal status for the past several months may be displayed as a table.

The deposit/withdrawal information processing unit sets the predetermined due date so that at least the next month's advance payment is paid to the property owner.

At this time, as described above, the credit card company, which has a contract to pay the property owner the next month's rent (sublease fee) by the end of the previous month, settles the rent (sublease fee) as the collected money. You can set the due date as follows: As a result, it is possible to suppress the occurrence of delays.

Further, in the sublease debt management method of the present invention, the computer managed by the credit card company includes a credit information storage unit that stores credit information including the payment record of the rental debt of the tenant, and a preset credit rank. The rank information storage unit storing the information, the credit information stored in the credit information storage unit, and the rank information stored in the rank information storage unit are compared to determine which of the current credit ranks of the resident corresponds. and a rank information processing unit that determines whether the ranked It grants the qualification of a joint guarantor for a resident.

A credit card company can rank and set the creditworthiness of a resident separately from a management company or a guarantor company, taking into consideration the presence or absence of delinquencies when using cards of its own company or other companies in the past. As a result, it becomes possible to protect a guarantee system in which a joint guarantee contract is concluded with a management company or a guarantee company to secure the subrogated repayment by the guarantee company. Note that the rank is not particularly limited as long as it is at least two levels (for example, simple no guarantee and guarantee), and can be set by changing the ratio of subrogation repayment at the card company according to the rank.

In addition, the sublease debt management program of the present invention is provided to a computer managed by a management company that has signed a sublease contract with a property owner who owns a leased real estate property as a sublease property. , a function to store rental information including account information related to the financial institution account for which the resident pays the monthly rental debt in the rental information storage unit, and a function for the guarantor company to make the payment if the resident is late in paying the monthly rental debt. A function to store payment information including account information related to a financial institution account to pay for in the payment information storage unit, and the lease information stored in the lease information storage unit and the payment information stored in the payment information storage unit are associated, A function that allows the collection information processing unit to determine whether or not there has been payment from at least one of them, and a display that displays a list of collection information including the determination result in association with the resident and the subleasing property in which the resident resides. and an account related to a financial institution account for monthly collection money collected from the management company to a computer managed by a card company that has entered into a contract with the management company and the property owner regarding the subleasing property. A function of storing collection information including information in a collection information storage unit; a function of storing out-of-pocket payment information including account information regarding a financial institution account to be paid to the property owner in the payment information storage unit; and the collection information storage unit. a deposit/withdrawal information processing function for determining whether or not the out-of-pocket amount has been paid by a predetermined date by associating the collection information stored in the out-of-pocket payment information storage unit with the out-of-pocket payment information stored in the out-of-pocket payment information storage unit; and a display function of judging whether or not the collected money was collected a day before, and displaying a list of the judgment result in association with the management company and the property owner.

Further, a recording medium of the present invention carries the sublease debt management program according to claim 7 .

The subleasing system, the subleasing debt management method, the subleasing debt management program, and the recording medium of the present invention enable the management company to manage money with a margin, and secure a stable deposit system for the property owner. can be done.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is an explanatory diagram showing contractual relationships applied to a sublease system, a sublease debt management method, a sublease debt management program, and a recording medium according to an embodiment of the present invention; BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is an explanatory diagram showing an example of the flow of money applied to a sublease loan system, a sublease loan management method, a sublease loan management program, and a recording medium according to an embodiment of the present invention; FIG. 2 is an explanatory diagram showing timings of deposits and withdrawals of money applied to a sublease loan system, a sublease loan management method, a sublease loan management program, and a recording medium according to an embodiment of the present invention; 1 is a system block diagram applied to a sublease system, a sublease debt management method, a sublease debt management program, and a recording medium according to an embodiment of the present invention; FIG.

Next, a sublease loan system, a sublease loan management method, a sublease loan management program, and a recording medium according to one embodiment of the present invention will be described with reference to the drawings. The embodiments shown below are preferred specific examples of the sublease system, the sublease debt management method, the sublease debt management program, and the recording medium of the present invention, and may be subject to various technically preferable limitations. However, the technical scope of the present invention is not limited to these aspects unless there is a description that specifically limits the present invention. In addition, the constituent elements in the embodiments shown below can be appropriately replaced with existing constituent elements and the like, and various variations including combinations with other existing constituent elements are possible. Therefore, the description of the embodiments shown below does not limit the content of the invention described in the claims.

In FIG. 1, 1 is the property owner who owns the real estate property for lease, 2 is the management company that signed the sublease contract regarding the management including the sublease debt as the property owner 1 as the sublease property, 3 is a tenant who makes a lease contract with the management company as a subleased property, 4 is a guarantee company that concludes a guarantor consignment contract with tenant 3, and 5 is with management company 2. It is a card company that exchanges a membership contract and a member store contract with the property owner 1.

In general, property owner 1 owns a plurality of properties for rent, and there are a plurality of tenants 3 up to the maximum number. Therefore, although there is basically one management company 2 for the property owner 1 and the resident 3, it is assumed that the guarantor company 4 is different for each resident 3.

Similarly, it is assumed that there are multiple property owners 1, including the case where one person owns multiple properties (buildings).

Therefore, the management company 2 has to manage the complicated and overlapping contractual relationships among multiple property owners 1, multiple tenants 3, and multiple guarantor companies 4.

On the other hand, although the card company 5 concludes a franchise contract with a plurality of property owners 1, since the contract is concluded on a one-to-one basis with the property owner 1 and the management company 2, a different property owner 1 Assuming a case where a sublease contract is concluded with the same management company 2 , membership contracts are concluded with fewer management companies 2 than the number of property owners 1 .

Therefore, the card company 5 can manage the received money in a simpler form than the management company 2, and the payment (payment) to the property owner 1 will be described later. It is advantageous for short-term payment operations until the end of the previous month.

Similarly, the management company 2, in addition to management work such as property maintenance and assignment of managers, needs to manage the payment of rent with the tenant 3 in the sublease property. It has the advantage of being able to avoid complicated management work that must be processed in a short period of time, from the receipt of money to the payment of the subleasing fee to the property owner 1, until the end of the previous month.

Further, the card company 5 may issue a physical card C to the management company 2, or may issue a virtual card C (for example, issue only a member number or the like).

In addition, as described above, in reality, property owners 1 exist for each of a plurality of buildings, naturally there are more tenants 3 than the number of properties, and there are many management companies 2 and guarantor companies 4 for each. ing.

Therefore, in the following explanation, one management company 2 concludes a sublease agreement with multiple (for example, three people for three buildings) property owners (substituted by buildings in FIG. 2) 1, and one tenant 3 and one guarantor company 4, the flow of money received by the management company 2 and the card company 5 will be explained.

In Fig. 2, the management company 2, in the sublease contract with the property owner 1, is based on the size of the building, the number of rental houses, the content of management (cleaning work only, resident manager, etc.), the presence or absence of vacancy guarantee, etc. However, the monthly management fee, etc. will be received from the tenant. You can prevent it from happening every month.

As a result, property owner 1 does not have to manage monthly payments, and the financial burden of spending is reduced. The vacancy guarantee is set at the time of contract as to whether or not the management company 2 guarantees the rent when the resident 3 moves and becomes vacant.

For example, even when there are vacancies, the property owner is guaranteed a fixed amount (e.g., 85% of the rent per unit x the number of all units). In some cases, the property owner may have variable (eg, 95% of the rent per unit times the number of units occupied) and no vacancy guarantee.

Further, the rental fee here is the rental fee determined by the property owner 1 in consideration of the local market price and the like when the management company 2 is not intervened. Therefore, the management fee and the like separately paid by the resident 3 are not included in this rent, and can be included in the subleasing fee as a management fee arbitrarily set by the management company.

In addition, the rental fee that the property owner 1 can receive can include, for example, a parking lot fee, a bicycle parking fee, or a utility fee for a common area. At this time, it is assumed that these fees will change on a monthly basis depending on the resident 3, including, for example, the case where an additional contract is made after moving in.

Therefore, if such charges that may be added or changed are included in the rent, regardless of the availability of the above-mentioned vacancy guarantee, the set amount will be charged from the next month onwards according to the set amount and usage amount. In the case of (parking lot fee/bicycle parking fee), additional rental debt can be collected monthly on a fixed basis, and in the case of the usage amount (electricity bill, etc.), it can be collected monthly on a variable basis.

In the case of the above set amount, the card company 5 collects money from the management company 2 as the amount for the next month by the end of the previous month in the same way as the rental fee, and in the case of the above usage amount, as the amount for the previous month after the month after the rate is determined. shall be paid as advance money to property owner 1 based on

Therefore, the card company 5 acquires information on the transfer account of the management company 2 for receiving the collected money from the management company 2, in addition to the necessary information regarding the sublease relationship with the property owner 1, regarding the management company 2. It's like Similarly, the card company 5 provides the property owner 1 with the necessary information on the sublease relationship with the management company 2, as well as the transfer account information of the property owner 1 for paying the advance money to the property owner 1. is supposed to get

On the other hand, the management company 2 receives from the resident 3 rental debts including management expenses, and receives additional rental debts as described above as necessary. The fee at this time may be a so-called bank transfer, or may be settled by card (separate from the card company 5).

Therefore, the management company 2 provides the tenant 3 with necessary information related to the tenant relationship with the property owner 1, guarantee information of the guarantee company 4 (guarantee company name, etc.), The transfer account information of the resident 3, the transfer account information of the guarantee company 4 for receiving the payment from the guarantee company 4, etc. are acquired.

The guarantor company 4 uses a publicly known leased property (sub-leased property) to provide the tenant 3 with the necessary information related to the lease relationship with the management company 2, as well as the trust money and delinquency from the tenant 3. The transfer account information of 3, the transfer account information of the management company 2 for paying the payment to the management company, etc. are acquired.

Next, a method for realizing such a system will be described with reference to FIG. As for the delinquency processing method performed by the guarantee company 4, a known method realized by a computer managed by the guarantee company 4 can be used, and therefore detailed description thereof will be omitted here.

Similarly, the payment management of rental debts managed by Tenant 3 and the payment management of out-of-pocket payments managed by the property owner are managed individually based on bankbooks, etc. A detailed description thereof will be omitted.

As an example, the flow of rent for one month will be explained first. As shown in FIG. 3, a bill is sent from the management company 2 to the tenant 3 by a predetermined date every month.

When the resident 3 approves the billed amount described in this bill, the resident 3 deposits the billed rent for the next month to the bank of the management company 2 . In addition, the case of automatic withdrawal can be included here.

The management company 2 confirms whether or not the full amount of the billed amount has been received (or whether it has been withdrawn), and notifies the guarantee company 4 of the receipt notification. It should be noted that when the full amount is paid, the guarantee company 4 may not be notified.

Therefore, the guarantor company 4 does not execute delinquency processing in a situation where there is no delinquency for the resident 3. Execute arrears processing.

After confirming receipt of the collected money from the management company 2, the card company 5 pays out-of-pocket money to the property owner 1. - 特許庁It should be noted that the payment of the collected money and the payment of the out-of-pocket money may be reversed in terms of dates.

As shown in FIG. 4, the computer 20 managed by the management company 2 includes a control unit 21, a storage unit 22, a database unit 23, a display unit 24, and a communication unit 25 for depositing and withdrawing such rental debt. Similarly, a computer 50 managed by the card company 5 includes a control section 51 , a storage section 52 , a database section 53 , a display section 54 and a communication section 55 .

The communication section 25 and the communication section 55 mutually enable transmission and reception of various information necessary for sublease and lease through an electric communication line. Therefore, the communication section 25 and the communication section 55 can transmit and receive various information to and from the property owner 1, the tenant 3, and the guarantee company 4, if necessary.

The control unit 21 executes lease management work based on the operating system stored in the storage unit 22 and the application for lease management work of the present invention. The control unit 21 also includes a collection information processing unit 21a. The control unit 21 stores a predetermined database in the database unit 23 based on the information stored in the storage unit 22 . Further, the control unit 21 causes the display unit 24 to display images related to, for example, lease management, sublease management, and the like.

The storage unit 22 stores the above-described operating system and various applications, and also includes a lease information storage unit 22a and a payment information storage unit 22b.

The control unit 51 executes out-of-pocket payment management work based on the operating system stored in the storage unit 52 and the out-of-pocket payment management business application of the present invention. The control unit 51 also includes a deposit/withdrawal information processing unit 51a. Control unit 51 stores a predetermined database in database unit 53 based on the information stored in storage unit 52 . Further, the control unit 51 causes the display unit 54 to display an image related to, for example, payment management.

The storage unit 52 stores the above-described operating system and various applications, and also includes a collection information storage unit 52a and an out-of-pocket payment information storage unit 52b.

In this implementation, a management company 2 intervenes between a property owner 1 who owns a leased real estate property and a resident 3 who lives in this real estate property in order to perform property management and hearing of rent. ing.

Here, the real estate property for the property owner 1 is treated as a subtenant property with the management company 2 . In addition, the subleased property for the management company 2 is treated as a leased property between the tenants.

Therefore, the rent for the leased property can be set to include the management fee determined by the management company 2 .

On the other hand, the resident 3 appoints a guarantor company 4 as a guarantor required when making a contract with the management company 2, so that it is possible to compensate for non-payment of rent etc. to the management company 2.

The card company 5 concludes a membership contract with the management company 2 and a member store contract with the property owner 1, so that the amount under the sublease contract between the management company 2 and the property owner 1 is paid on a fixed date. there is

In addition, for the settlement here, as in the well-known operation of credit cards, for example, the property owner 1 is a store selling goods, and the management company 2 is a purchaser who purchases goods using a credit card. It can be settled by the closing date and the payment date.

In addition, unlike ordinary purchases of goods, rental properties are often premised on the payment of the next month's rent by the predetermined date of the previous month. In many cases, the monthly rent is also fixed, so a payment method based on a schedule that takes this into consideration may be adopted.

Therefore, the property owner 1 who owns the real estate property for lease does not need complicated leasing operations such as property management, vacancy handling, and rent collection by concluding a sublease contract for the real estate property with the management company 2. At the same time, it is possible to stably obtain monthly income based on the sublease contract on the fixed date.

By concluding a sublease contract including property management with the property owner 1, the management company 2 can collect income such as remuneration generated when moving in and out and monthly management fees from the tenant 3 as collected money. . In addition, the rent is guaranteed by the guarantee company 4 even if the tenant 3 is behind in payment.

The guarantor company 4 can obtain income such as a contract fee and a monthly security deposit from the resident 3 .

The card company 5 can receive income such as an annual membership fee from the management company 2 and a fee from the property owner 1 who has contracted with a member store, for example, in the same way as a normal credit card is used.

In addition, even if the resident 3 is in arrears, the card company 5 does is fully guaranteed.

In the sublease system according to the present embodiment, the card company 5 pays the property owner 1 at least the sublease debt for the next month.

As described above, it is common even today for rented properties for the tenant 3 to pay the next month's rent in the previous month.

For this reason, even when the card company 5 makes a payment to the property owner 1, for example, in addition to the current and next month's expenses at the time of the tenancy contract, three months' expenses for the month after next, which can be replaced as repair expenses when delinquent or moving out, are added. If the management company 2 collects the rent, the management company 2 and the card company 5 settle the rent for the next month by the last day of the previous month without having any debt in normal times when there is no delinquency. can be done.

In the sublease system according to the present embodiment, the card company 5 pays at least the next month's sublease debt to the property owner 1 as advance payment prior to depositing the collected money from the management company 2 .

In addition, the property owner 1 may also borrow money from a bank or the like when purchasing the property or rebuilding the property. payment can be made without delay.

In the sub-lease system according to the present embodiment, the card company 5 concludes a joint guarantee contract with the management company 2 or the guarantee company 4 according to the creditworthiness of the resident 3 to secure the subrogation repayment.

The card company 5 can set the creditworthiness of the resident 3 separately from the management company 2 and the guarantee company 4, taking into account whether or not there has been any delinquency when using the card of its own company or another company in the past.

As a result, it becomes possible to protect the guarantee system in which a joint guarantee contract is concluded with the management company 2 or the guarantee company 4 to secure the subrogation repayment by the guarantee company 4 .

Here, the computer 20 is managed by a management company 2 that has entered into a sublease contract with the property owner 1 who owns the real estate property for lease as a sublease property for the real estate property.

The lease information storage unit 22a stores (updates) lease information including account information related to financial institution accounts in which the resident 3 pays monthly rent.

The payment information storage unit 22b stores (updates) payment information including account information on a financial institution account to which the guarantor company 4 pays the payment when the resident 3 is behind in monthly rent payments.

The collection information processing unit 21a associates the lease information stored in the lease information storage unit 22a with the payment information stored in the payment information storage unit 22b, and determines whether payment has been received from at least one of them.

Further, the collection information processing unit 21a causes the display unit 24 to display a list of collection information including the determination result in association with the tenant 3 and the subleasing property in which the tenant 3 resides.

As a result, the administrator of the computer 20 can manage whether or not the rent for the rental property has been received by the display on the display unit 24 .

On the other hand, the computer 50 is managed by the management company 2 and the card company 5 which has concluded a contract with the property owner 1 regarding the subleasing property.

The collection information storage unit 52a stores collection information including account information related to financial institution accounts for monthly collection money collected from the management company 2 .

The out-of-pocket money information storage unit 52b stores out-of-pocket money information including account information related to a financial institution account to be paid to the property owner 1 .

The deposit/withdrawal information processing unit 51a associates the collection information stored in the collection information storage unit 52a with the out-of-pocket payment information stored in the out-of-pocket payment information storage unit 52b, and completes the out-of-pocket payment for the current month during the previous month by a predetermined date. determine whether or not the payment has been made to

Further, the deposit/withdrawal information processing unit 51a determines whether or not the collected money has been collected before a predetermined date, and causes the display unit 54 to display a list of the determination result in association with the management company 2 and the property owner 1. .

At this time, the deposit/withdrawal information processing section 51a sets a predetermined date so that at least the next month's advance payment is paid to the property owner 1. FIG.

Thereby, the administrator of the computer 50 can manage whether or not the collection money for the rental property has been received and whether or not the payment for the rental property has been paid by displaying on the display unit 24 .

A management company 2 that has entered into a sublease contract with a property owner 1 who owns a leased real estate property, with the real estate property as a sublease property, stores the lease information storage unit 22a, the payment information storage unit 22b, and the collection information processing. It manages a computer 20 having a part 21a.

The lease information storage unit 22a can update the lease information including account information related to the financial institution account in which the resident 3 pays the monthly rent.

The payment information storage unit 22b can update the payment information including the account information related to the financial institution account to which the guarantee company 4 pays the payment when the resident 3 is late in paying the monthly rent.

The collection information processing unit 21a associates the lease information stored in the lease information storage unit 22a with the payment information stored in the payment information storage unit 22b, and determines whether or not payment has been received from at least one of them. Collection information including the determination result can be associated with the resident 3 and the subleasing property in which the resident 3 resides, and the display unit 24 can be caused to display a list of results including the past by month.

On the other hand, the card company 5, which has concluded a contract regarding the subleasing property with the management company 2 and the property owner 1, manages a computer 50 having a collection information storage unit 52a, an out-of-pocket payment information storage unit 52b, and a deposit/withdrawal information processing unit 51a. .

The collection information storage unit 52a updates the collection information including the account information regarding the financial institution account of the monthly collection money collected by the management company 2 .

The out-of-pocket money information storage unit 52b updates the out-of-pocket money information including the account information on the financial institution account to be paid to the property owner 1 .

The deposit/withdrawal information processing unit 51a associates the collection information stored in the collection information storage unit 52a with the out-of-pocket payment information stored in the out-of-pocket payment information storage unit 52b, and determines whether or not the out-of-pocket payment has been paid by a predetermined date. By judging whether or not the collected money has been collected before a predetermined date, the judgment result is associated with the management company 2 and the property owner 1 so that the manager can grasp the status of deposits and withdrawals. The display unit 54 can display a list of results including the past data by month.

In this way, the display unit 24 of the computer 20 managed by the management company 2 may display only the fact that payment has been received from either the resident 3 or the guarantee company 4, or the amount and date of payment. etc., and the monthly payment status for the year or the past several months may be displayed as a list.

Similarly, the display unit 54 of the computer 50 managed by the card company 5 may display only the fact that the money has been received from the management company 2 and that the money has been paid to the property owner 1. The monthly deposit/withdrawal status for the past several months may be displayed as a list by including the amount and date of deposit.

The deposit/withdrawal information processing section 51a sets a predetermined date so that at least the next month's advance payment is paid to the property owner 1. FIG.

At this time, as described above, the card company 5, which has a contract to pay the next month's rent (sublease fee) to the property owner 1 by the end of the previous month, treats the rent (sublease fee) as the collected money. A due date can be set for settlement. As a result, it is possible to suppress the occurrence of delays.

Further, in the sublease debt management method according to the present embodiment, the computer 50 managed by the card company 5 includes a credit information storage unit that stores credit information including the payment record of the rent debt of the tenant 3, A rank information storage unit storing credit rank information is compared with the credit information stored in the credit information storage unit and the rank information stored in the rank information storage unit to determine which of the current credit ranks of the resident 3 is. a rank information processing unit that determines whether or not it corresponds and displays a list of the determination result on the display unit, and the rank information processing unit determines if the determination result is equal to or higher than a predetermined rank, the ranked tenant Qualify as a joint guarantor for Person 3.

The card company 5 can rank and set the creditworthiness of the resident 3 separately from the management company 2 and the guarantor company 4, taking into consideration the presence or absence of delinquency when using the card of its own company or another company in the past. As a result, it becomes possible to protect the guarantee system in which a joint guarantee contract is concluded with the management company 2 or the guarantee company 4 to secure the subrogation repayment by the guarantee company 4 . The rank is not particularly limited as long as it is at least two levels (for example, simple no guarantee and guarantee), and the rate of subrogation in the card company 5 can be changed and set according to the rank.

In addition, the sublease debt management program according to the present embodiment is managed by a management company 2 that has entered into a sublease agreement with a property owner 1 who owns a leased real estate property as a sublease property. A function is executed for the computer 20 to store the lease information including the account information on the financial institution account to which the resident 3 pays monthly rent in the lease information storage unit 22a.

In addition, it executes a function of storing payment information including account information on a financial institution account to which the guarantee company 4 pays payment in the payment information storage unit 22b when the resident 3 is behind in monthly rent payment.

In addition, a function that associates the lease information stored in the lease information storage unit 22a with the payment information stored in the payment information storage unit 22b, and allows the collection information processing unit 21a to determine whether payment has been received from at least one of them. to run.

Furthermore, a display function is executed to display collection information including the determination result in a list in association with the tenant 3 and the subleasing property in which the tenant 3 resides.

Collection information including account information on a financial institution account for monthly collection money collected from the management company 2 to the computer 50 managed by the card company 5 that has concluded a contract regarding the subleasing property with the management company 2 and the property owner 1 is stored in the collection information storage unit 52a.

It also executes a function of storing out-of-pocket money information including account information about a financial institution account to be paid to the property owner 1 in the out-of-pocket money information storage unit 52b.

In addition, deposit/withdrawal information processing for determining whether or not the out-of-pocket payment has been paid by a predetermined date by associating the collection information stored in the collection information storage unit 52a with the out-of-pocket payment information stored in the out-of-pocket payment information storage unit 52b. perform a function.

Also, it determines whether or not the collected money has been collected before a predetermined date, and executes a display function of displaying a list of the determination results in association with the management company 2 and the property owner 1 .

Further, the recording medium according to the present embodiment is loaded with the program (application) executed by the computer 20 and the program (application) executed by the computer 50 described above.

As a result, for example, in the flow shown in FIG. It is also possible to receive the money as advance payment by the 25th. As a result, the property owner 1 as a sublessor is promised full payment for all cases.

In addition, the management company 2, which has made a card member contract, pays the rent for the current month to the card company 5 by bank transfer on the last day of the month, so that the collected money from the tenant 3 or the subrogation repayment from the guarantee company 4 It is possible to transfer.
With these two types of money flow, the management company 2, which is the sub-lessee, can reliably retain the marginal profit of the sub-lease. Here, it is also possible to compensate for the financial risk in the case of the above-mentioned vacancy guarantee by means of short-term cancellation, penalties, and the like.

As a result, the card company 5 can secure the member store commission for GAP finance, and can obtain, for example, the rent for the current month x 1.2% by the add-on method.

In addition, since it is possible to entrust the account transfer of the resident 3 in the lease contract, it is possible to calculate the commission such as the credit card company 5 adding 200 yen to the rent for the current month as a profit.

Such a system has both real estate management and rental guarantee functions, and can be expected to become a new industry for bulk purchasing of properties automatically attached with rental guarantees.

1 Property Owner 2 Management Company 3 Tenant 4 Guarantee Company 5 Card Company 20 Computer 21 Control Unit 21a Collection Information Processing Unit 22 Storage Unit 22a Lease Information Storage Unit 22b Payment Information Storage Unit 23 Database Unit 24 Display Unit 25 Communication Unit 50 Computer 51 control unit 51a deposit/withdrawal information processing unit 52 storage unit 52a collection information storage unit 52b out-of-pocket payment information storage unit 53 database unit 54 display unit 55 communication unit C card

Claims (8)

Property owners who own real estate properties for rent,
A management company that has entered into a sublease agreement with the property owner regarding the management of the real estate property as a sublease property, including sublease debt;
A tenant who makes a lease contract with the management company with the sublease property as a lease property,
A guarantor company that has signed a guarantor consignment contract with the resident,
with
The resident pays the prescribed rental debt to the management company on a monthly basis, and in the event of non-payment of the prescribed rental debt, the guarantor company subrogated the payment to the management company. A sublease system that pays a predetermined arrears to
A credit card company that exchanges a membership contract with the management company and a member store contract with the property owner;
The card company pays the property owner a sublease debt in accordance with the content of the sublease contract with the management company for the sublease property, and pays the property owner a sublease debt in accordance with the content of the membership contract with the management company. collect collection money,
A sublease system characterized by: The card company pays at least the next month's sublease debt to the property owner,
The sublease system according to claim 1, characterized by: The card company pays at least the sublease debt for the next month to the property owner as advance payment prior to depositing the collected money from the management company.
3. The sublease system according to claim 2, characterized by: The card company concludes a joint guarantee contract with the management company or the guarantee company according to the creditworthiness of the resident, and secures the subrogation repayment.
4. The sublease system according to any one of claims 1 to 3, characterized by: Owned by a computer managed by a management company that has signed a sublease agreement with the property owner who owns the real estate property for lease,
a lease information storage unit storing lease information including bank account information related to a financial institution account in which a resident pays monthly rent;
a payment information storage unit storing payment information including account information related to a financial institution account to which the guarantor company pays the payment when the resident is behind in monthly rent payments;
By associating the lease information stored in the lease information storage unit with the payment information stored in the payment information storage unit, it is determined whether or not payment has been received from at least one of them, and collection information including the determination result. a collection information processing unit that associates with the resident and the sublease property in which the resident resides and displays a list on the display unit;
with
A computer managed by a card company that has signed a contract with the management company and the property owner regarding the sublease property,
a collection information storage unit storing collection information including account information related to a financial institution account for monthly collection money collected from the management company;
an out-of-pocket payment information storage unit storing out-of-pocket payment information including account information on a financial institution account to be paid to the property owner;
The collection information stored in the collection information storage unit and the out-of-pocket amount information stored in the out-of-pocket information storage unit are associated with each other to determine whether or not the out-of-pocket amount has been paid by a predetermined date. a deposit/withdrawal information processing unit that determines whether or not the collected money has been collected before the date of collection, associates the determination result with the management company and the property owner, and displays a list on a display unit;
with
The deposit/withdrawal information processing unit sets the predetermined date so that at least the next month's advance payment is paid to the property owner,
A sublease debt management method characterized by: The computer managed by the card company
a credit information storage unit that stores credit information including the payment record of the rental debt of the tenant;
a rank information storage unit that stores preset credit rank information;
The credit information stored in the credit information storage unit and the rank information stored in the rank information storage unit are compared to determine which of the current credit ranks of the resident corresponds, and the result of the determination. a rank information processing unit for displaying a list of on the display unit;
with
The rank information processing unit grants a joint guarantor qualification to the ranked resident when the judgment result is equal to or higher than a predetermined rank.
The sublease debt management method according to claim 7, characterized in that: For a computer managed by a management company that has signed a sublease contract with the property owner who owns the real estate property for lease,
A function of storing rental information including account information related to a financial institution account in which a resident pays monthly rent in a rental information storage unit;
A function of storing payment information including account information related to a financial institution account to which the guarantor company pays the payment in the payment information storage unit when the resident is late in paying the monthly rental debt;
A function of associating the lease information stored in the lease information storage unit with the payment information stored in the payment information storage unit, and allowing the recovery information processing unit to determine whether or not payment has been received from at least one of them;
A display function that associates collection information including the determination result with the resident and the sublease property in which the resident resides and displays the list;
and
For the computer managed by the card company that has signed a contract regarding the sublease property with the management company and the property owner,
A function of storing collection information including account information related to a financial institution account of monthly collection money collected from the management company in a collection information storage unit;
A function of storing out-of-pocket payment information including account information related to a financial institution account to be paid to the property owner in the out-of-pocket payment information storage unit;
A deposit/withdrawal information processing function of determining whether or not the out-of-pocket amount has been paid by a predetermined date by associating the collection information stored in the collection information storage unit with the out-of-pocket amount information stored in the out-of-pocket amount information storage unit. and,
a display function for determining whether or not the collected money has been collected before a predetermined date, and for displaying a list of the determination results in association with the management company and the property owner;
A sublease debt management program characterized by executing A recording medium loaded with the sublease debt management program according to claim 7.

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