KR100837238B1 - System for intermediating of junior mortgage to make a payment of the purchased real estate over the internet - Google Patents

Abstract

According to the present invention, when a real estate buyer purchases new real estate and pays the balance on the balance day of the purchase price, the loan contract with the mortgage lender (hereinafter referred to as “the first financial institution”) is insufficient in paying the balance of the sale price. Provision of material rights change information on the first-order base mortgage between a subordinated mortgage financial institution (hereinafter referred to as a "priority financial institution") that can additionally secure the mortgage for the sale and the attorney who is entrusted with the registration of the base mortgage for the loan of the first financial institution. The present invention discloses a server system and a method of operating the same, which mediate an additional mortgage to a real estate buyer on the balance day of the real estate purchase price, based on a first-order basis mortgage amount provided by a lawyer.

The present invention receives an intermediary request message for additional subordinated mortgage loan from the real estate buyer web browser for the balance payment of the real estate transaction price, and transmits the information request message for the first priority security loan to the buyer web browser in response to the intermediary request message. . Respond to the information request message to receive the priority mortgage information from the buyer's web browser, and in response to the received loan information message, the loan-related information to be received from the priority financial institution on the day of payment of the balance sheet for real estate payments. Send a consent message for the offer to the buyer web browser, and in response to the consent message for the provision of information received from the buyer web browser, a loan subscription message for subordinated additional mortgage loan to the subordinate loan web browser. In response to the loan offer message sent, the attorney will sign a contract with the attorney, the first financial institution, and the subordinated financial institution to provide a contract for the provision of variable right to the mortgage for the first financial institution to register on the day of the balance of real estate sales. Send to web browser and web browser of No. 1 financial institution. In response to the subscription message, a message acknowledging the contract for the provision of variable right information is received from the lawyer and the first financial institution web browser, and the received message is transmitted to the subordinated mortgage web browser. Responsive to the approval message sent to receive the conditional acceptance message for the subordinated mortgage loan from the subordinated financial institution loan manager web browser, and transmits the received conditional acceptance message to the buyer web browser. Respond to the conditional approval message sent, receive the consent message from the real estate buyer's web browser and authenticate the loan agreement. On the day of the balance remaining, a loan is executed if the base mortgage for the first mortgage loan from the lawyer's web browser matches the precondition for the subordinated loan.

Subordinated Borrowing, Brokerage, Legal Attorneys, Provision of Real Property Changes, Real Estate Sales

Description

System for intermediating of junior mortgage to make a payment of the purchased real estate over the internet}

1 is a diagram illustrating a method in which a real estate buyer usually receives a mortgage loan from a financial institution to pay a real estate purchase price.

2 is a view for explaining a conventional method for the real estate buyer to procure additional sale price due to the lack of security loan amount on the balance day of the real estate sale price.

Figure 3 is a subordinated mortgage loan through the Internet for the real estate buyer to receive the additional mortgage for the real estate for sale on the balance day of the real estate sale price to pay the balance of the sale price according to an embodiment of the present invention It is a figure explaining the server system which brokers a loan to an institution.

4 is a diagram illustrating in more detail an intermediate server according to an embodiment of the present invention.

5 is a view for explaining in more detail the mediation processing unit according to an embodiment of the present invention.

FIG. 6 is a view illustrating a method of operating a server system for mediating subordinated additional mortgage loans on a real estate transaction balance day day according to an embodiment of the present invention.

FIG. 7 is a diagram illustrating in more detail a step of transmitting a request message for information relating to first-rate real estate mortgage to buyers and first-rate mortgage financial institutions.

FIG. 8 is a diagram illustrating in more detail a step in which an attorney and a first-ranking financial institution request consent to provide first-class secured loan information of trading property to a subordinated financial institution.

9 is a diagram illustrating in more detail a step of transmitting an offer message for additional collateral loans to a subordinated mortgage financial institution.

10 is a diagram illustrating in more detail a step of brokering a contract for providing real estate information on the property, which is a trading object on the day of the balance of the real estate transaction price.

FIG. 11 illustrates in more detail the steps of agreeing to additional real estate mortgage loans from a subordinated financial institution and authenticating necessary loan documents.

♣ Explanation of symbols for the main parts of the drawing ♣

310: Buyer Web browser 320, 340, 360, 380, 420: Internet

350: Mediation server 1,2 ..., n, 460: Subordinated loan web browser

330: Web browser lender in charge of financial institutions

370: web browser 412: connection

414: database unit 416: mediation processing unit

510: first-order loan information processing unit 520: information provision agreement management unit

530: subordinated mortgage information unit 540: subordinated subscription processing unit

550: service contract subscription processing department for providing information on the change in material rights

560: service agreement acceptance processing unit for the provision of real rights information

570: conditional consent

580: loan document management unit 590: settlement processing unit

The present invention relates to a loan service on the Internet, and if the loan to be received from the mortgage financial institution with the real estate as the security target on the day of the balance of the real estate sale price is insufficient in paying the balance of the sale price, it is subordinated to the trading purpose. An attorney who is authorized to establish a mortgage by a No. 1 financial institution for a real estate buyer who agrees to establish a mortgage and who wishes to receive an additional mortgage from another financial institution that is capable of additional mortgage payments and pays the balance of the sale price (hereinafter referred to as "buyer"); The present invention relates to a method and system for arranging a mortgage loan for a buyer from a subordinated financial institution by arranging and concluding a contract for providing information on the right to change the underlying mortgage between a ranked financial institution and a financial institution.

In general, when buying real estate and paying the sale price, it is usually necessary to prepare the payment in a short time, usually 2 to 3 months, until the balance day to avoid damages due to the default of the contract.

As is well known, buyers of real estate may not be able to pay the purchase price with extra funds and loans from one financial institution, despite the fact that the real estate mortgage limits by financial institutions are sufficient. Even if these funds are being secured by subordinated financial institutions, the subordinated lenders are unable to secure subordinated loans on the day of balance payment because it is difficult to secure the right of secured loans from subordinated financial institutions. .

Thus, when the loan amount is insufficient to one loan institution on the balance day, the borrower may borrow money from the general bond market or other borrower, not the financial sector, pay the trading price on the balance day, and then buy the property after the balance day from another financial institution. Transactions have been made in the form of repayment of borrowings borrowed from the bond market or other borrowers on the balance day by receiving additional collateral loans.

1 is a view illustrating a method in which a real estate buyer usually receives a security loan from a financial institution to pay a real estate purchase price.

Referring to FIG. 1, the real estate buyer 110 concludes a mortgage agreement with a mortgage financial institution 120, prepares a loan document including a mortgage setting agreement required for a loan, and pays the loan on the day of the balance of real estate sales. The sale price is paid to the real estate seller (100).

2 is a view for explaining a conventional method for the real estate buyer to procure additional sale price due to the lack of security loan amount on the balance day of the real estate sale price. Referring to FIG. 2, first, the real estate buyer 210 concludes a mortgage loan agreement with the mortgage lender financial institution 220, creates a loan document including a mortgage setting contract required for the loan, and receives a loan on the balance day of the real estate transaction. When the balance is insufficient due to the loaned funds, the funds are temporarily financed from the general bond market, other relatives, friends, and other borrowers 230 before the balance day, and the sale price is paid to the real estate seller 200 on the balance day. The buyer of the real estate receives the additional collateral loan from the financial institution that can secure the additional collateral after the balance day and repays the borrowed loans from other borrowers as the additional collateral loan.

The real estate buyer should receive a subordinated mortgage from the subordinated financial institution on the balance of the balance of the sale of the real estate. In order to secure real rights, the base mortgage setting for subordinates should also be received by the attorney on the day of the balance payment, and it is impossible to subordinate subordinated loans on the balance day because of the lack of a method and system for brokering such rights information.

Therefore, in order to finance the balance of the insufficient trading price, as described above, the general bond market first raises the funds and makes up the insufficient balance and pays it to the real estate seller, and then additional mortgage from the subordinate financial institution after the balance date of the trading price. It is necessary to go through complicated and risky borrowing and repayment process to repay short-term borrowings borrowed from bond markets using loans received from borrowed loans, and it is also necessary to spend additional costs due to expensive bonds in the loop until additional collateral loans are received. There is this.

Accordingly, if the real estate buyer needs additional subordinated loans on the balance sheet date, there is a need for a system for brokering additional collateral loans on the real estate balance day simply and quickly.

Accordingly, an object of the present invention is to provide a real estate purchaser, by intermediary mortgage with a subordinated financial institution that approves the mortgage with a subordinated mortgage when the real estate buyer needs additional mortgage on the balance day to pay the real estate sale price. It is to provide a method and system for mediating subordinated mortgages through the Internet to facilitate settlement.

Another object of the present invention is a lawyer who has been entrusted with the establishment of a mortgage by a first-ranking financial institution to secure the right of the loan bond to a subordinated financial institution that establishes a bottom-line mortgage at the same time as the trading balance balance day and pays the loan amount. Loan of a subordinate financial institution by arranging a contract for provision of information on changes in the right to secure collateral rights between an institution and a subordinate financial institution and providing subsidiaries with information related to the underlying mortgage to be set as the priority immediately before loan execution. It is to provide a method and system for brokering subordinated mortgages through the internet that can securely secure bonds.

The present invention has been made in order to achieve the above objects, the operation method of the intermediary server system via the Internet according to the present invention, the buyer who wants to pay the purchase price by receiving additional collateral loan from the financial institutions after the real estate balance payment day Receiving a message requesting mediation of a subordinated mortgage loan from a buyer web browser, and responding to the intermediary request message, the buyer secures the first priority collateral loan information request message. Sending to the buyer web browser; and receiving the informed consent message to the buyer web browser in response to the request message; and responding to the received information provision consent message. Send subscription messages to a web browser In response to the subscription message, receiving a subscription message of a contract for provision of the right to change the information between the attorney and the financial institution, which has been delegated from the subordinated mortgage lending web browser to the base mortgage of the primary mortgage loan; In response to sending an offer message of the contract for the provision of the right to volatility information relating to the establishment of the first priority mortgage to the attorney's web browser and the first priority institution's mortgage lender, and in response to the offer message, the attorney's web browser and the first priority institution's collateral loan Receiving the approval message of the contract for provision of real rights information from the responsible web browser, Sending the establishment of the contract to the subordinated mortgage in response to the received approval message, and Subordinated mortgage in response to the contract establishment message Article of subordinated mortgages for buyers from web browser Receiving the disapproval message, sending the consent message for the conditional approval to the buyer web browser in response to the conditional approval message, and the balance of the purchase price on the day of the balance of payment, will be set as the first priority from the web browser Receiving base sugar information.

In addition, the intermediary server system according to the present invention, in the server system for brokering the subordinated mortgage loan through the Internet for the buyer who needs a subordinated mortgage loan, the database unit for storing the information necessary for mediation of additional mortgage loan, subordinated And a mediation processing unit for mediating the subordinated mortgage using the information in the database according to the subordinated additional mortgage intermediation request message through an access unit connecting the client related to mediation of the mortgage to the intermediary server system through the Internet. It is characterized by.

Hereinafter, with reference to the accompanying drawings will be described in detail the mediation server system of the subordinated mortgage loan corresponding to the present invention and its operation method.

3 is a diagram illustrating an intermediary system for mediating subordinated mortgages, corresponding to one embodiment of the invention.

Referring to FIG. 3, the mediation server 350 includes a buyer web browser 310 to receive subordinated mortgage loans and mortgage web browsers of subordinated mortgage financial institutions (hereinafter referred to as “subordinate financial institution loan manager web browser”). 1, 2, ....., n), the mortgage lending web browser of the first mortgage lender (hereinafter referred to as "the lender lending web browser"; 330) and the lawyer web browser (370). ) Are connected via the Internet 320, 340, 360, 380, respectively.

The Internet is a computer communication network using a Transmission Control Protocol / Internet (TCP / IP) protocol. The web server such as the mediation server 350 refers to software that provides a web service to clients connected to the mediation server 350 through the Internet, or a computer system that executes the software. Meanwhile, web browsers such as the buyer web browser 310 and the loan manager web browsers (1, 2, ..., n) refer to software or computer systems capable of reading web documents and communicating with a web server. .

The buyer who needs subordinated loan on the balance day of real estate purchase price (the day when he / she pays the remaining balance and pays the remaining balance and transfers the ownership of the real estate), the broker server 350 through the buyer web browser 310 Request mediation of additional secured loans by subordinated financial institutions.

The mediation server 350 mediates the subordinated mortgage agreement between the buyer and the subordinated financial institution in response to the intermediary request message, and changes the physical rights including the base mortgage amount of the underlying mortgage which is actually set as the first priority on the balance of the real estate. In response to a subscription contract for the provision of voluntary change information, which is a contract to provide information to a subordinate financial institution, a contract for provision of voluntary change information with the attorney, the No. 1 financial institution, and the subordinate financial institution may be established on the balance of the sale price. In addition, a certain amount of the brokerage fees paid by the buyer shall be paid to the lawyer and the first financial institution.

Meanwhile, the loan manager web browser (1, 2, ..., n) of the subordinate financial institution may inquire that the subordinated loan subscription message for subscribing the subordinated loan of the buyer sent to the mediation server 350 has been received. In addition, you can query that the lawyer and the first financial institution received the consent message for providing the first-tier loan information, including the amount of the mortgage-backed mortgage, to the subordinated financial institution. (370) and the first financial institution loan officer web browser (330) can receive the approval message for the service contract for the provision of real estate information, received by the law firm's web browser (370) base mortgage It is possible to query that the information on the set amount (priority loan information) message has been received, and the subordinated collateral to the mediation server 350 according to the inquiry result of the priority mortgage loan information message. And it transmits the output permission message.

Meanwhile, the lender of the first priority financial institution web browser 330 may inquire that the subscription message of the service contract for the provision of the right to change information provided to the brokerage server is received, and the request message for the purchaser's information provision consent may be inquired.

In addition, the judiciary web browser 370 can query that the subscription message of the service contract for the provision of real rights change information sent to the intermediary server has been received, and information such as the base mortgage amount to be set by the priority mortgage lending financial institution (water rights change information). The broker transmits to the mediation server 350 through the web browser 370. The subordinated financial institution mortgage officer transfers the subordinated loan amount to the buyer on the day of the balance of the sale based on the information transmitted through the attorney's web browser 370.

In addition, the buyer web browser 310 may query that the conditional acceptance message of the subordinate additional mortgage loan of the subordinate financial institution transmitted to the intermediary server has been received.

4 is a view for explaining the mediation server according to an embodiment of the present invention in more detail. Referring to FIG. 4, the mediation server 350 according to the present invention includes a connection unit 412, a database unit 414, and an intermediary processing unit 416.

The connection unit 412 is a buyer web browser 310, an attorney's web browser 370, a primary financial institution loan officer web browser 330, and a subordinated financial institution loan officer through the Internet 420 in order to broker the primary security loan. It connects with the web browsers of clients such as the web browser 460 and the like.

The connection unit 412 agrees to provide the buyer web browser 310 with a web page necessary for the mediation request of the subordinated mortgage loan, a webpage necessary for the input of the priority loan information, and the information (priority loan information) for providing the priority mortgage loan. Provides web pages for certification and web pages for consent to subordinated mortgages conditionally approved by subordinate financial institutions.

In addition, the connection unit 412 is a web page, subordinated finance required for input of information on the attorney who will delegate the work of setting up the right of mortgage on the balance day in relation to the buyer's first mortgage loan to the first financial institution loan officer web browser 330. Provide web pages necessary to enter the approval of the physical rights change information contract signed by the agency. In addition, it provides a web page required for the inquiry and printing of the information provision agreement authenticated by the buyer provided through the buyer's web browser (310).

In addition, the connection unit 412 is a subordinated financial institution loan manager web browser 460, a web page that allows the buyer to inquire whether or not to subscribe to the first mortgage loan through the intermediary server, the lawyer and the fluctuation of water rights between the first financial institution Due to the web page necessary for the input of the subscription of the information provision contract, the web page necessary for the inquiry of the physical rights change information provision contract approved by the attorney and the first financial institution, and the first priority mortgage received through the attorney's web browser 370 Provides a web page necessary for the inquiry of the set amount per base to be set, and a web page necessary for the purchaser to input the contents of the subordinated mortgage conditional consent.

In addition, a web page for inputting approval of a physical right variable information provision contract signed by a subordinate financial institution, a web page for inputting information on a base mortgage set amount to be set by the first financial institution in the attorney's web browser 370; Provides a web page necessary for inquiry and printing of the information provision agreement authenticated by the buyer provided through the buyer's web browser (310).

The connection unit 412 receives a message for a subordinated mortgage brokerage request message and a subordinated mortgage intermediation request message through a webpage provided to the buyer web browser 310, receives a priority loan information providing message, and provides a priority loan information. Receive a consent message for, and a consent message for conditional acceptance of the subordinated mortgage lender.

The connection unit 412 provides information about a lawyer to delegate the basic mortgage setting service to be established due to the mortgage loan of the first financial institution on the balance day of the trading amount through the web page provided to the first financial institution mortgage lender web browser 330. Receive a message of acceptance for the service contract for the provision of real estate rights information subscribed by the subordinate financial institutions. In addition, the connection unit 412 receives a subscription message of a service contract for providing real-estate fluctuation information between a lawyer and a first-ranked financial institution through a web page provided to a subordinated financial institution loan manager web browser 460, and provides a subordinated mortgage for the buyer. Receive a conditional acceptance message for

On the other hand, the connection unit 412 receives the approval message for the priority loan information providing contract subscribed to by the subordinated financial institution through the web page provided by the attorney's web browser 370, and is applied to the basis amount set by the primary financial institution. Receive information (priority loan information) message

The database unit 414 stores information necessary for mediating subordinated mortgages. More specifically, the database unit 414 may include credit information about the buyer, information about subordinated loan products provided by subordinated financial institutions (subordinate condition information), and mortgage information about the buyer of the primary financial institution (primary loan information). ), Which includes information on the setting of base mortgages for first-rate mortgages certified by lawyers.

The mediation processing unit 416 mediates the mortgage of the subordinated financial institution on the day of the balance of the real estate transaction using the information of the database unit 414 according to the subordinated mortgage intermediation request message received through the connection unit 412.

Referring to FIG. 5, the mediation processing unit 416 according to an embodiment of the present invention will be described in more detail. The mediation processing unit 416 includes a first order loan information processing unit 510, an information provision agreement management unit 520, Subordinated subscription processing unit 540, water rights change information providing service contract subscription processing unit 550, water rights change information providing service contract acceptance unit 560 and conditional acceptance processing unit 570.

The first-rank loan information processing unit 510 receives information from the first-ranked financial institution on the day of the balance of the real estate transaction payment in response to the subordinated mortgage brokerage request message received from the buyer web browser through the connection unit 412 (first-order loan). Information) is generated and transmitted to the buyer web browser through the connection unit 412. In response to the priority loan information message received from the buyer's web browser, an information request message for the attorney who will delegate the base mortgage setting work on the balance of the real estate is generated and sent to the loan officer's web browser.

In response to the received first priority loan information message, the information provision consent management unit 520 provides the security loan information (first priority loan information) for the buyer of the first priority financial institution on the balance day of the real estate purchase price of the lawyer and the first priority financial institution. The loan officer generates a consent request message for provision to the subordinate financial institution loan manager web browser, and transmits the generated consent message to the buyer web browser through the connection unit 412.

Subordinated subscription processing unit 540 generates a subordinated mortgage subscription message in response to the consent message received from the buyer web browser through the connection unit 412, and transmits the subscription message to the subordinate financial institution loan manager web browser through the connection unit 412. do.

The service contract subscription processing unit 550 provides a subscription message for an information service contract for a change in water rights to be set on the balance day in response to the subscription message received from the buyer's web browser through the connection unit 412. 412) to the lawyer's web browser and the first-ranked financial institution lending web browser.

In response to the subscription message for the service for providing real property information, the consent contract processing unit 560 connects the service for accepting the real estate property information service agreement consent message entered from the web browser of the lawyer and the loan officer in charge of the first financial institution. 412 and transmits the received message to the subordinate financial institution loan web browser through the connection unit 412.

The conditional approval unit 570 responds to the service agreement acceptance message provided through the connection unit 412, in response to the service agreement acceptance message. A conditional acceptance message is provided in the subordinated financial institution loan officer web browser provided that the basis value of the basis of the information is the same, and the received conditional acceptance message is transmitted to the buyer web browser through the connection unit 412.

Meanwhile, the mediation processing unit 416 further includes a subordinated mortgage loan information unit 530, a loan document management unit 580, and a settlement processing unit 590.

The subordinated mortgage loan information unit 530 receives information (subordinated mortgage condition information) including loanable amount and interest rate from subordinated financial institutions connected to the connection unit 412, and receives the received subordinated loan condition information. Provide it to your web browser. A financial institution that has offered a low mortgage interest rate while presenting the largest amount of mortgage in addition to the most preferred mortgage on the day of the real estate balance, for example, based on the subordinated mortgage condition information received. Is selected as the subordinated financial institution, the subordinated subscription processing unit 540 transmits the subscription message to the selected subordinated financial institution web browser through the buyer web browser.

The loan document management unit 580 generates a loan document of a subordinated financial institution in response to an agreement message for the conditional acceptance received from the buyer web browser through the connection unit 412, and is authenticated by the buyer for the created loan document.

The settlement processing unit 590 includes a receiving unit (not shown) and a payment unit (not shown), and settles the use fee of the intermediary server system. The Receiving Division receives brokerage fees from the buyer from subordinated financial institutions and buyers. The payment department pays the brokerage fees received to the top financial institutions and the lawyers, respectively.

On the other hand, the first priority loan information processing unit 510, information provision agreement management unit 520, subordinated mortgage loan information unit 530, subordinated subscription processing unit 540, water rights change information service service contract subscription processing unit 550, water rights change information provision The service contract acceptance processing unit 560, the conditional acceptance unit 570, the loan document management unit 580, and the settlement processing unit 590 are connected to the database unit 414, respectively. Priority loan information processing unit 510, information provision agreement management unit 520, subordinated mortgage loan information unit 530, subordinated subscription processing unit 540, water rights change information provision service contract subscription processing unit 550, water rights change information provision service contract The consent processing unit 560, conditional acceptance unit 570, loan document management unit 580 and settlement processing unit 590 is provided to the credit information for the buyer stored in the database unit 414, the subordinated loan products provided by subordinated financial institutions Information on subordinated mortgage loans, loan information of first-ranked financial institutions (priority loan information), and information on the setting of the base mortgage of the first-rate mortgage loan provided by a lawyer under a service contract. ).

In addition, the first priority loan information processing unit 510, information provision agreement management unit 520, subordinated mortgage loan information unit 530, subordinated subscription processing unit 540, water rights change information providing service contract subscription processing unit 550, water rights change information provision Service contract approval processing unit 560, conditional acceptance unit 570, loan document management unit 580 and settlement processing unit 590 the buyer's brokerage request information, priority loan information, documents created for consent to provide information, physical rights The database prepared for the variable information provision service contract, information on conditional acceptance, information on subordinated loan documents, first-order base mortgage setting information provided by a lawyer, and information on fee settlement are stored in the database unit 414. .

6 is a view for explaining a method of operating a server system for mediating subordinated mortgages according to an embodiment of the present invention. The client accessing the intermediate server is authenticated (step 610). The intermediary server is connected to the buyer web browser, the first-ranked financial institution loan manager web browser, the subordinated financial institution loan manager web browser, and the lawyer's web browser through the web browser. Authenticate mortgage officers.

Next, the intermediary server receives the subordinated mortgage request message from the buyer web browser (step 615), and transmits a message requesting the priority mortgage related information to the buyer web browser in response to the intermediary request message (step 620). ). Referring to FIG. 8, step 620 of requesting and receiving first-order loan information is described in more detail. Preferably, the request for information on the loan to be received by the first financial institution sends a request message for information about the loan officer of the first financial institution to the buyer's web browser (step 710) and the received first financial institution's response to the transmission message. Send a request message for information about the lawyer who will delegate the default mortgage setting of the first financial institution to the loan officer's web browser, and the basic mortgage amount to be set by the first financial institution (step 720), and respond to the information request message to the first financial institution. Receiving the first-priority mortgage information with the lawyer from the loan officer web browser (step 730), and transmitting the received information to the subordinate financial institution loan manager web browser in response to the received message (step 740).

Referring to FIG. 6 again, in response to the received first priority loan information message, a message requesting consent to provide information is transmitted to the buyer web browser (step 625). Referring to FIG. 8, step 625 of requesting and receiving an informed consent is described in detail. The attorney and the first financial institution transmit a message requesting consent for the provision of the information to the subordinated financial institution mortgage lending web browser by the buyer (in step 810). In response to the consent request message received, the buyer receives a message to agree to provide information from the buyer's web browser (step 820), and the received consent message is the first-ranked financial institution loan manager web browser, the legal attorney web browser and the second-ranked financial institution loan manager web. (Step 830) Preferably, the information providing consent message may be inquired and printed through a web browser loan officer in charge, a web attorney at law, a web browser loan officer at subordinate financial institutions (step 840 more.

In response to the received informational consent message with reference to FIG. 6 again, the subordinated mortgage subscription message is transmitted to the subordinated financial institution loan manager web browser. Preferably, the subordinated financial institution is selected based on loan information provided by multiple subordinated mortgage financial institutions. Referring to FIG. 9, step 630 of transmitting a subscription message to a subordinate financial institution will be described in more detail. Loan information is received from a plurality of subordinated financial institutions connected to the mediation server (step 910). Each of the plurality of subordinated financial institutions transmits to the information broker server about the security loan product, and the broker server provides the buyer with the collateral loan information when the broker requests a subordinated mortgage loan from the buyer (step 920). The buyer selects a subordinated financial institution that is best suited for the settlement of the purchase price, considering the subordinated loan amount and loan condition based on the loan information transmitted from the intermediary server through the buyer's web browser (step 930). The subordinated financial institution is transmitted to the intermediary server (step 940). The intermediary server sends a subscription message for the subordinated mortgage application to the subordinated financial institution loan manager web browser selected by the buyer web browser (step 950).

Referring back to Figure 6, in response to the subordinated mortgage subscription message received from the buyer's web browser received a subscription message for the information service contract for the water rights fluctuations to be set on the balance day from the subordinated financial institution web browser and 1 An information providing service contract is established and concluded between the top financial institutions and the downstream financial institutions (step 635). Referring to Fig. 10, step 635 of arranging for a subcontracted financial information provision service contract of a subordinate financial institution will be described in more detail. In response to an offer message received from the buyer's web browser, the subcontracted financial institution's web browser will be explained. The subscription message for the information provision service contract is received (step 1010), and the received subscription message is transmitted to the web browser for the law firm and the lender of the first financial institution loan (step 1020). Respond to the subscription message for the service contract for the provision of real rights information, receive the service agreement acceptance message input from the lawyer's web browser and the web browser of the first financial institution (step 1030), and respond to the received approval message. The establishment message of the variable information provision service contract is transmitted to the attorney's web browser, the first financial institution loan manager web browser and the second priority loan manager web browser (step 1040).

Referring back to Fig. 6, in response to the establishment of the contract for the provision of real property information, the subordinated mortgage officer may make additional collateral loans based on the base mortgage set by the primary mortgage lender, the valuation of the collateral, and the buyer's credit rating. If the decision is made, the loan officer of the subordinate financial institution shall determine the underlying mortgage amount, which is the basis for calculating the mortgage loan amount (the base mortgage amount set on the primary mortgage information), which will be confirmed through the attorney's web browser on the day of the balance of the real estate sale. The conditional mortgage acceptance message indicating that the mortgage is executed is transmitted only to the buyer's web browser (step 640). The buyer sends the buyer's consent message for the conditional acceptance to the subordinated financial institution mortgage web browser in response to the conditional acceptance message received through the buyer web browser (step 645). Referring to FIG. 11, step 645 of sending a consent message to a subordinate financial institution web browser will be described in more detail. In response to the acceptance message received from the buyer web browser, the buyer web browser and the subordinate financial institution web browser notify the subordinated mortgage agreement (step 1110). The mortgage-related document of the subordinated financial institution is certified by the buyer web browser (step 1120). Preferably, the loan document of the subordinate financial institution is prepared by the mediation server based on the loan information transmitted by the subordinate financial institution and the buyer's credit information. The buyer confirms the loan document of the subordinate financial institution through the buyer's web browser and authenticates the mortgage document through an electronic signature or authentication number. Other authentication methods may be used depending on the field to which the present invention is applied, which is within the scope of the present invention.

Referring back to FIG. 6, on the day of the balance of real estate, the attorney is sent to the subordinated financial institution loan manager web browser through the intermediary server to set the base value of the primary mortgage loan to be processed (step 650). In response to the message sent, the subordinated mortgage financial institution verifies that the set amount per base of the primary mortgage loan, which is the condition of the mortgage loan, is matched and, if the amounts match, transfers the mortgage amount to the buyer's bank account (step). 655).

The brokerage server completes the certification of the loan document of the subordinated financial institution, and the base mortgage set amount sent from the lawyer's web browser is the same as the base mortgage set amount previously received from the first-tier mortgage lender's web browser, so the condition of conditional acceptance is satisfied. When the broker is ready, the broker is notified and the subordinated mortgage brokerage fee is paid from the buyer web browser (step 660). When the brokerage fee is received, a predetermined amount of the brokerage fee paid by the buyer is paid to the priority mortgage lender, the attorney or the like (step 665).

Meanwhile, the above-described embodiments of the present invention can be written as a program that can be executed in a computer, and can be implemented in a general-purpose digital computer that operates the program using a computer-readable recording medium.

Computer-readable recording media include, but are not limited to, magnetic storage media (e.g., ROM, floppy disks, hard disks, etc.), optical reading media (e.g., CD-ROMs, DVDs, etc.) and carrier waves (e.g., the Internet). Storage medium).

Although the present invention has been described with reference to the embodiments illustrated in the drawings, this is merely exemplary, and it will be understood by those skilled in the art that various modifications and equivalent other embodiments are possible. For example, the above-described subordinated mortgage brokerage is not limited to the sale of real estate, but may be applied to various other sales including ships, construction periods, and the like. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

The brokering method and system of subordinated mortgage loans according to the present invention are finances that agree to the execution of a mortgage by setting up a subordinated mortgage when the real estate buyer needs an additional mortgage on the balance of the real estate transaction balance for the payment of the real estate transaction price through the Internet. By brokering mortgage loans with the institution, the buyer can smoothly settle the purchase price without using high interest private finance.

The brokering method and system of subordinated mortgage loans according to the present invention include a lawyer, a primary financial institution and a subordinated financial institution, which are entrusted with the establishment of the underlying mortgage of a primary financial institution to secure the rights of loans to subordinated financial institutions through the Internet. By arranging a contract for the provision of information on changes in the right to secure the right of collateral, the loans of subordinated financial institutions can be secured.

Claims (12)

delete delete delete delete delete delete delete delete A connection unit for connecting a real estate buyer web browser, a subordinated financial institution loan manager web browser, a top priority financial institution loan manager web browser, and a lawyer web browser to an intermediary server through the Internet; A database unit for storing information provided from the buyer web browser, the subordinate financial institution loan officer web browser, the first priority financial institution loan officer web browser, and the lawyer web browser to broker a subordinated mortgage loan; And In response to the mediation request message of the subordinated mortgage loan received from the web browser of the buyer, the first priority of sending a message requesting the first loan information including the first priority basis mortgage setting amount to the buyer web browser and the web browser in charge of loan of the first financial institution. Respond to the loan information processing unit and the subordinate financial institution loan officer web browser in response to the request for the received priority loan information to provide the loan information of the real estate agent and the primary financial institution loan officer on the real estate for sale. Sending information provision consent management unit, and subordinated mortgage subscription message for subordinated mortgage lending in response to the first priority loan information provision acceptance message, and transmits the subordinated mortgage subscription message to the subordinated financial institution loan manager web browser Subordinated subscription processing unit and subordinated loan subscription In response to the message, the subscription message for the provision of the change in the rights of the real estate service that provides the real rights change information including the first priority mortgage amount to be set on the basis of the balance of the sale is sent to the attorney's web browser and the first financial institution loan manager web browser. Subsequent financial institution loans service provider, the service contract subscription processing unit, and the subsidy financial information approval message from the lawyer's web browser and the first-ranked financial institution loan officer web browser in response to the subscription message of the service rights change service contract. The first priority of the first priority loan information and the right information change information received from the subordinate financial institution loan officer web browser in response to the received service right agreement service processing section and the received right information change information consent message sent to the browser; Acceptance of loan on the condition that the base mortgage is the same A conditional acceptance processing unit that sends a conditional loan acceptance message to the buyer web browser, a loan document management unit that is certified to a conditional security loan agreement in response to the conditional loan acceptance message, and a settlement fee for settlement of a subordinated mortgage brokerage. Brokerage processing unit consisting of a processing unit; real estate sales payments brokerage system by subordinated mortgage through the Internet, comprising a. 10. The method of claim 9, wherein the mediation processor receives subordinated mortgage condition information including a subordinated mortgage available amount and interest rate from subordinated financial institution loan manager web browsers connected to the connection unit, and receives the received subordinated mortgage loan. Further comprising a subordinated mortgage loan information unit for providing the condition information through the buyer web browser, The subordinated subscription processing unit transmits the subordinated mortgage loan message to the loan manager web browser of the selected subordinated financial institution on the basis of the provided subordinated mortgage condition information. Brokerage system. 10. The apparatus of claim 9, wherein the settlement processing unit comprises: a receipt management unit which receives an intermediary fee from a loan web browser and a buyer web browser of the subordinate financial institution; And Real estate by subordinated mortgage through the Internet, characterized in that it comprises a payment management unit that pays each of the brokerage fees to the account of the financial institution that is previously assigned to the loan manager web browser of the first financial institution; Brokerage system for payouts. delete

Images