KR101672086B1 - Housing funds operation system and method - Google Patents

Abstract

Claims 1. A housing finance operating system for providing housing finance support services, the housing financing operating system comprising: a contract contracting unit for contracting a conditional bond contract with a user who has applied for a housing finance support service; A housing money handling unit including a bond money handling unit for receiving and managing the bond money of the contract and a bond value processing unit for paying the bond money to the payment institution that paid the housing money to the user when the stop condition is satisfied .

Description

{HOUSING FUNDS OPERATION SYSTEM AND METHOD}

The present invention relates to a housing finance operating system and method, and more particularly, to a housing finance operating system and method for providing housing finance support service.

Recently, Korea is experiencing a lot of problems due to the social tendency to buy a house with debt owing to the traditional sentiment of my house. The people who bought the house with debt are suffering from the burden of the household debt for housing purchase and the limit of the consumption of the extreme and the financial institution that provides the mortgage loan to the people is the financial This can lead to a crisis, and the government can cause a national economic crisis as the debt repayment costs increase.

In order to solve the above-mentioned problems, the financial institution proposes an alternative to prolong the principal repayment period, but this alternative is an urgent application only under the current system. Therefore, the total interest and burden can be increased.

In addition, the government suggests various alternatives such as tax support, financial support, and housing supply restrictions, but these alternatives may be closer to extending or expanding rather than directly addressing household debt issues directly.

Therefore, at present, there is a need for policies and systems that can be win-win for all the subjects such as the citizens, financial institutions and governments.

One embodiment of the present invention is a housing finance operation system that utilizes a contract with a user who has applied for a housing fund support service to secure a housing fund without repayment of principal, securing a stable housing space, nationalization of the housing, And methods.

In a housing fund management system for providing housing fund support service, the housing fund management system of the present invention includes a contract signing unit for concluding a conditional bond contract with a user who has applied for the housing fund support service, a termination condition of the conditional bond contract A bond money processing unit for receiving and managing the bond money of the conditional bond contract from the user until satisfied, and a bond value processor for paying the bond value to the payment institution that paid the housing money to the user when the stop condition is satisfied .

The payment institution may receive the right of receipt of the bonds generated by the conditional bond contract from the user, and may provide the user with the housing fund.

In addition, the payment institution can transfer ownership of the home from the user if the user dies or a predetermined transfer condition is satisfied.

And a receiving unit for notifying from at least one of the user or the payment institution that the right to supply the claim has been transferred from the user to the payment institution.

The termination condition may include at least one of a condition of the term of the contract of the conditional bond contract or a death of the user.

The conditional bond contract may be issued to the user in combination with the insurance product or financial product.

The contract concluding unit may determine the contents of the conditional bond contract based on at least one of the housing funds or the credit information for the user to which the user is paid from the payment institution.

A method for operating a housing fund for providing a housing finance service, the method comprising: concluding a conditional bond contract with a user who has applied for the housing finance support service; A step of receiving and managing a credit amount of the conditional bond contract from the user before payment of the bond price to the payment institution that has paid the housing fund to the user when the stop condition is satisfied.

The payment institution may receive the right of receipt of the bonds generated by the conditional bond contract from the user, and may provide the user with the housing fund.

In addition, the payment institution can transfer ownership of the home from the user if the user dies or a predetermined transfer condition is satisfied.

And receiving from the user or at least one of the payment institutions, the fact that the right for payment of the bond has been transferred from the user to the payment agent.

One embodiment of the present invention utilizes a contract with a user who subscribes to a housing fund support service to secure a housing loan without a principal repayment, secure a stable housing space, and complete the nationalization and land public opinion of the housing.

FIG. 1 shows an example of a policy for supporting housing funds.
Figure 2 is another example of a policy for supporting housing funds.
3 is a block diagram illustrating a housing finance operating system according to an embodiment of the present invention.
4 is a flowchart illustrating a method of operating a housing fund according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings and accompanying drawings, but the present invention is not limited to or limited by the embodiments.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terminology used herein is a term used for appropriately expressing an embodiment of the present invention, which may vary depending on the user, the intent of the operator, or the practice of the field to which the present invention belongs. Therefore, the definitions of these terms should be based on the contents throughout this specification.

1 and 2 are diagrams illustrating policies for supporting housing funds according to an exemplary embodiment of the present invention.

1 and 2, the subject performing the policy for supporting the housing fund may be a user (for example, a public), a national pension institution (for example, a country), or a financial institution.

The financial institution enters into a conditional bond contract with the user, the user transfers the conditional bond contract to the national pension agency, and the national pension agency can provide the service to the user to support the housing fund.

The financial institution may receive a credit from the user on a conditional bond contract (for example) every month until the termination condition of the conditional bond contract is satisfied. In addition, the financial institution may pay bond value to the national pension fund that provides housing fund from the user if the termination condition of the conditional bond contract is satisfied.

The termination condition may include at least one of the following: the duration of the term of the conditional bond contract or the occurrence of the user's death.

The National Pension Service may transfer the rights to the bonds arising from the conditional bond contracts from the users, pay the housing funds to the users, and transfer the ownership of the home ownership from the user if the user's death or pre- Can receive.

The predetermined previous condition may be the condition of the user's death, the blood of the user or the death of the spouse.

As shown in FIG. 1 and FIG. 2, if the user pays the bond amount of the contingent bond contract in the form of interest without any obligation to repay the principal every month until the suspension condition is satisfied, the user continuously maintains the residence life during the user's survival period And it is possible to reliably provide social life and marriage by funding the home purchase fund from the national pension agency in the early stage.

In addition, since the user's children can purchase the home by receiving a home purchase fund from the National Pension Service, the user can reduce the obligation of the user to inherit the property of the child.

In addition, since the user can reduce the amount of funds to be purchased in the home, the utilization of funds by the user can be increased.

In addition, as shown in FIGS. 1 and 2, a financial institution can realize financial profit through sale of conditional bonds and realize additional financial profit through sale of conditional bonds combined with insurance products or financial instruments.

In addition, as shown in Figs. 1 and 2, the national pension institution can make a long-term investment with a large amount of extra funds (for example, pension funds) to the user as housing funds,

In addition, when the death of a user or the predetermined transfer condition is satisfied, the national pension institution can return the home ownership of the user and the entire amount of the bond value from the financial institution, so that the national pension can be reliably generated.

In addition, since the national pension agency becomes the state ownership of the user 's own house annually, it is very easy to establish the real estate policy in the future, and it is possible for the user to construct a true welfare state without worrying about food and shelter, (For example, a half-price tuition policy).

Hereinafter, a housing fund operating system and method according to an embodiment of the present invention will be described in detail with reference to FIG. 3 and FIG.

3 is a block diagram illustrating a housing finance operating system according to an embodiment of the present invention.

Referring to FIG. 3, the housing fund management system of the present invention includes a contract concluding unit 310, a credit payment processing unit 320, and a bond value processing unit 330.

The housing fund operating system according to an embodiment of the present invention establishes a conditional bond contract with the user, the user transfers the contracted conditional bond contract to the payment institution, and the payment institution provides a service for supporting the housing fund to the user .

In addition, the entity operating the housing finance operating system may be a financial institution that mediates the supply and demand between the consumer and the supplier of housing funds, a payment institution, or a personal agency operated by the user.

For example, a financial institution may be an institution that provides deposit lending services, such as banks, mutual credit and credit unions, institutions that provide pension or insurance services, such as insurance companies, and institutions that perform investment securities businesses.

In addition, the payment institution according to an embodiment of the present invention may be a public institution that supports housing funds, utilizes state taxes, or may be a financial institution or a personal agency.

In addition, the user according to an exemplary embodiment of the present invention may be a user or a recipient of a user, a spouse or a user.

The contract concluding unit 310 establishes a conditional bond contract with the user who has applied for the housing fund support service. The home financing service may be a housing allowance paid by the user from the payment institution.

The contract concluding unit 310 can determine the contents of the conditional bond contract based on at least one of the information on the housing fund received from the payment institution or the credit information for the user.

The credit information may be information that can identify a specific credit information subject such as a user's name, address, resident registration number and gender, mutual relation of a corporation and a corporation, a corporation registration number and a business registration number, It may be information related to financial transactions such as checking account, checking account, credit card, installment finance and facility rental.

The payment institution can transfer the right of claim for the bond arising from the conditional bond contract from the user, pay the housing money to the user, transfer the ownership of the home from the user if the user dies or the predetermined transfer condition is satisfied. Can receive.

The predetermined prior condition may be a condition that causes the death of the user, the condition of the user's blood or spouse's death, and other legal actions to take effect or become null and void.

The bond payment processor 320 receives and manages the bond money of the conditional bond contract from the user until the condition of suspension of the conditional bond contract is satisfied.

The termination condition may include at least one of a transition period of the conditional bond contract or a death of the user.

For example, the debt payment processor 320 can receive the bond amount of the contingent bond contract from the user every month in the form of ultra-interest interest until the termination condition of the conditional bond contract is satisfied, and the account for the bond price, And full payment can be managed.

If the stop condition is satisfied, the bond value processing unit 330 can pay the bond value to the payment institution that paid the housing money to the user.

According to an embodiment, the housing financing operating system may further include a receiving unit 340 for receiving from the user or at least one of the payment institutions, the fact that the right to receive the bonds has been transferred from the user to the payment institution.

According to one side, conditional bond contracts may be issued to users in combination with insurance products or financial instruments.

For example, an insurance product may be a product that is in the form of a lifetime insurance to pay a death benefit at the time of death, a medical insurance payment for a hospital, a health insurance payment for a treatment fund, a loss insurance for damages, and a pension insurance for old age funds , The financial product may be a demand deposit which directly pays money from the financial institution whenever the user asks for it, a savings deposit which deposits and pays for a certain period of time, a CD-linked periodic deposit with interest rate fluctuation depending on the yield, A fund that buys and sells an index (a stock price) and returns profit to the user.

In addition, in the case of insurance products and financial instruments combined with contingent claims contracts, beneficiaries of the benefits and benefits of the insurance product and financial instrument are subject to the condition that the termination condition is satisfied, Lt; / RTI >

4 is a flowchart illustrating a method of operating a housing fund according to an embodiment of the present invention.

According to one embodiment, each step of FIG. 4 may be performed by a housing finance operating system.

Referring to FIG. 4, a method for operating a housing fund is performed in a first step (410) for concluding a conditional bond contract with a user who has applied for a housing fund support service. The home financing service may be a housing allowance paid by the user from the payment institution.

When the first stage contract is concluded, the method of operating the housing fund performs the second step (420) of receiving and managing the bond money of the conditional bond contract from the user until the termination condition of the conditional bond contract is satisfied.

The termination condition may include at least one of a transition period of the conditional bond contract or a death of the user.

When the stop condition is satisfied, the method of operating the housing fund is performed in a third step (430) of paying the bond value to the payment institution that paid the housing money to the user,

The payment institution can transfer the right of claim for the bond arising from the conditional bond contract from the user, pay the housing money to the user, transfer the ownership of the home from the user if the user dies or the predetermined transfer condition is satisfied. Can receive.

According to an embodiment, the housing financing operating method may further include receiving from the user or at least one of the payment institutions, a notification that the right of payment for the bond has been transferred from the user to the payment institution.

Hereinafter, an example of applying the housing finance operating system and method according to one embodiment of the present invention will be described in detail with reference to Table 1.

Table 1 below shows scenarios for applying the housing finance operating system and method.

Table 1

Referring to Scenario 1 in Table 1, a 30-year-old couple can repay the principal of a charter loan with one earner, may be delaying childbirth because of the burden of repayment of the principal, You may have difficulty with the problem.

However, if the system and method of operating the housing fund of the present invention is applied to scenario 1, the 30-year-old couple can not pay the principal for the rental of the chartered fund, and the interest burden on the loan for the conditional bond may be less than 100,000 won per month. Income can have the effect of solving child care problems.

Referring to Scenario 2 in Table 1, the 40-year-old House Poor may not be able to properly prepare for retirement due to his / her education expenses and the housing loan.

However, when applying the system and method of operating the housing fund of the present invention to the scenario 2, the 40-year-old House-Poor couple does not have the burden of repayment of the principal for the housing loan, the interest burden on the conditional bond money may be less than 400,000 won per month, There is an effect that can be achieved.

Referring to Scenario 3 in Table 1, a couple who are about to retire at age 55 may have difficulty in preparing for retirement for their children's marriage financing, may not be eligible for housing pension, There is also.

However, applying the housing finance operating system and method of the present invention to scenario 3, a couple aged 55 years may be provided with payment arrangements for their children's marriage funds (for example, home purchase funds) It is easy to buy and sell homes because of the ability to purchase a home, and it can lead to a stable retirement life.

The method according to an embodiment may be implemented in the form of a program command that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions to be recorded on the medium may be those specially designed and configured for the embodiments or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. For example, it is to be understood that the techniques described may be performed in a different order than the described methods, and / or that components of the described systems, structures, devices, circuits, Lt; / RTI > or equivalents, even if it is replaced or replaced.

Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

310: Contract Contracting Department
320: Creditor processing unit
330:
340: Receiver

Claims (12)

A housing finance operating system for providing housing finance support service,
A contract concluding part for concluding a conditional bond contract with the user who has applied for the above-mentioned housing finance support service;
A bond payment processor for receiving and managing the bond money of the conditional bond contract from the user until the suspension condition of the conditional bond contract is satisfied; And
If the stop condition is satisfied, a bond value processing unit for paying the bond value to the payment institution that paid the housing fund to the user
Lt; / RTI >
The above-
Transferring the housing right from the user when the user dies or a predetermined transfer condition is satisfied, receiving the housing right from the user, receiving the housing right from the user,
The stop condition
A condition of at least one of the execution period of the conditional bond contract or the occurrence of death of the user
Housing finance operating system. delete delete The method according to claim 1,
Receiving from the user or at least one of the payment institutions a notification of the fact that the right to supply the claim is transferred from the user to the payment agent
The housing finance operating system further comprising: delete The method according to claim 1,
The above conditional bond contract
A housing finance operating system issued to the user in combination with an insurance product or financial product. The method according to claim 1,
The contracting unit
The content of the conditional bond contract is determined based on at least one of the information on the housing fund or the credit information on the user that the user is paid from the payment institution
Housing finance operating system. A housing finance operating system for providing housing finance support service,
Concluding a conditional bond contract with a user who has applied for the housing finance support service;
Receiving and managing a credit amount of the conditional bond contract from the user until the termination condition of the conditional bond contract is satisfied; And
If the stop condition is satisfied, paying the bond value to the payment institution that paid the housing fund to the user
Lt; / RTI >
The above-
Transferring the housing right from the user when the user dies or a predetermined transfer condition is satisfied, receiving the housing right from the user, receiving the housing right from the user,
The stop condition
A condition of at least one of the execution period of the conditional bond contract or the occurrence of death of the user
How to manage housing funds. delete delete 9. The method of claim 8,
Receiving from the user or at least one of the payment institutions the fact that the right for payment of the bond has been transferred from the user to the payment agent
The method comprising the steps of: A computer-readable recording medium having recorded thereon a program for carrying out the method according to claim 8 or claim 11.

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